EX-99.5 6 tm1920956d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-4
Start - End Dates: 4/2017 TO 8/2019
Deal Loan Count: 810
   
               
Conditions Report 2.0        
               
Loans in Report: 810        
Loans with Conditions: 455        

 

332 - Total Active Conditions
  2 - Material Conditions
      2 - Property Valuations Review Scope
          2 - Category: Value
  330 - Non-Material Conditions
      103 - Credit Review Scope
          1 - Category: Application
          22 - Category: Assets
          37 - Category: Credit/Mtg History
          1 - Category: DTI
          19 - Category: Income/Employment
          1 - Category: Legal Documents
          2 - Category: LTV/CLTV
          18 - Category: Terms/Guidelines
          2 - Category: Title
      3 - Property Valuations Review Scope
          2 - Category: FEMA
          1 - Category: Property
      224 - Compliance Review Scope
          1 - Category: Borrower's Interest
          1 - Category: Compliance Manual
          1 - Category: Documentation
          1 - Category: Federal Consumer Protection
          23 - Category: RESPA
          12 - Category: Right of Rescission 
          2 - Category: State Consumer Protection
          183 - Category: TILA/RESPA Integrated Disclosure
461 - Total Satisfied Conditions
             
      92 - Credit Review Scope
          4 - Category: Application
          18 - Category: Assets
          10 - Category: Credit/Mtg History
          18 - Category: DTI
          16 - Category: Income/Employment
          17 - Category: Legal Documents
          2 - Category: LTV/CLTV
          1 - Category: Re-Verifications
          5 - Category: Terms/Guidelines
          1 - Category: Title
      34 - Property Valuations Review Scope
          9 - Category: Appraisal
          3 - Category: FEMA
          22 - Category: Value
      335 - Compliance Review Scope
          33 - Category: Ability to Repay/Qualified Mortgage
          3 - Category: Borrower's Interest
          7 - Category: Documentation
          1 - Category: Federal Consumer Protection
          18 - Category: Finance Charge Tolerance
          3 - Category: RESPA
          18 - Category: Right of Rescission 
          3 - Category: State Consumer Protection
          249 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions
             
             
             
             
 




©2019 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 2019-4
Start - End Dates: 4/2017 TO 8/2019
Deal Loan Count: 810
   
                                                 
Conditions Report 2.0                                              
                                                 
Loans in Report: 810                                              
Loans with Conditions: 455                                              

 

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
0963507581 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C
0963507581 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C
0795417122 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D
0413813221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0136184503 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0538479394 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0329336015 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A
0026547960 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B
0508595239 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A
0508595239 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A
0123414667 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0412439702 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0948252999 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A
0900621341 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0270085883 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0361166625 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A
0361166625 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A
0814436497 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0430597946 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A
0406522915 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B
0406522915 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B
0406522915 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B
0406522915 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B
0406522915 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B
0284969463 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0985638788 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A
0985638788 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A
0106413640 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A
0702611325 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A
0154129695 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0154129695 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0495487504 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0426498562 XXXXXX DE QM: Safe Harbor QM: Safe Harbor A A A
0554142674 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0738433473 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0738433473 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0738433473 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0738433473 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0947978154 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C
0947978154 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C
0537210073 XXXXXX CT QM: Safe Harbor QM: Safe Harbor B B A
0214108704 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A
0082077831 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0869179023 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0943331316 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0896819792 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A
0046679319 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A C
0046679319 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A C
0375962694 XXXXXX HI QM: Safe Harbor QM: Safe Harbor A A A
0685984761 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A
0031815283 XXXXXX GA QM: Safe Harbor QM: Safe Harbor C B A
0850402179 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0168964563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0168964563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0168964563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0168964563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0168964563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0445116363 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0459994776 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A
0271776638 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0499905695 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0158666868 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0355956948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0400280022 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0027728627 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0878548977 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A
0275335233 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0897587662 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A
0528616841 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0758866918 XXXXXX NC QM: Safe Harbor QM: Safe Harbor B A A
0243087236 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0395274033 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0395274033 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0848367948 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0948435723 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B C
0777569679 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0274863615 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0480915856 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A
0441563937 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A A
0585140082 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0503991169 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0768579599 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0933160225 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B
0476736800 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A B
0476736800 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A B
0476736800 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A B
0653332195 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0994233608 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A
0994233608 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A
0994233608 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A
0629093328 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B
0629093328 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B
0629093328 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B
0914511757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0914511757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0638978391 XXXXXX HI QM: Safe Harbor QM: Safe Harbor D B D
0638978391 XXXXXX HI QM: Safe Harbor QM: Safe Harbor D B D
0638978391 XXXXXX HI QM: Safe Harbor QM: Safe Harbor D B D
0638978391 XXXXXX HI QM: Safe Harbor QM: Safe Harbor D B D
0228718271 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0263510253 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0263510253 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0263510253 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0263510253 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0879668281 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0872538885 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0771539626 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A
0354685443 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0343598941 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0982821183 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A
0701012494 XXXXXX IA QM: Safe Harbor QM: Safe Harbor C B A
0701012494 XXXXXX IA QM: Safe Harbor QM: Safe Harbor C B A
0682930912 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B A A
0422642246 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B
0287535549 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0287535549 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0902137591 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0902137591 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0902137591 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0234317300 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0234317300 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0893461510 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0612868538 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0671852383 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0258280881 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0863375550 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0863375550 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0863375550 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0863375550 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0863375550 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0711003101 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A
0846370757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0846370757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0846370757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0846370757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0681570651 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0798089228 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A
0372361538 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A
0022322896 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0342712039 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0433602212 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0725901400 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0725901400 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0333201747 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0296518793 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0713300506 XXXXXX SC QM: Safe Harbor QM: Safe Harbor B B A
0713300506 XXXXXX SC QM: Safe Harbor QM: Safe Harbor B B A
0852829920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0852829920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0915285605 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0915285605 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0103233966 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B A
0241215325 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0057354728 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A
0872081541 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A
0154450608 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A
0977457118 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A A
0972057825 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A
0546858911 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0041376163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B
0041376163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B
0041376163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B
0041376163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B
0729568430 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B A A
0472501342 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0472501342 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0472501342 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0247468142 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A A
0445239846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0445239846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0841874439 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0776709794 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A
0253059770 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0253059770 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0253059770 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0303721937 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A
0462691832 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0462691832 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0381873097 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B A
0381873097 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B A
0381873097 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B A
0381873097 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B A
0808671633 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A
0695025282 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A A
0824615047 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0012746456 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0012746456 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0012746456 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0919358635 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0919358635 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0919358635 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0919358635 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0919358635 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0030034502 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0822855264 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D
0822855264 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D
0822855264 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D
0822855264 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D
0577062529 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A
0550614052 XXXXXX NE QM: Safe Harbor QM: Safe Harbor B A A
0946931186 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B
0946931186 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B
0954368046 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A A
0423102030 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0627485854 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B
0627485854 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B
0627485854 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B
0599751634 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D B B
0599751634 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D B B
0599751634 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D B B
0599751634 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D B B
0599751634 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D B B
0749728380 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B C
0749728380 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B C
0749728380 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B C
0749728380 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B C
0726767184 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0653215637 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A
0388091444 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B
0674952727 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A
0894765516 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A
0286579772 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A
0470701509 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A
0215943527 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0882474716 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0882474716 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0858143511 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0858143511 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0858143511 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A C
0156707281 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0470885019 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0199178115 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0199178115 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0232499088 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0364904689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0541001091 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0541001091 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0216307103 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0216307103 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0216307103 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0216307103 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A
0873163041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B
0873163041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B
0164668375 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A
0164668375 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A
0164668375 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A
0164668375 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A
0699815957 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A
0852867907 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0175851173 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0431950618 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0323951883 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0575538927 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0974099513 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A
0949766520 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A
0579135349 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A
0579135349 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A
0919643615 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B
0973904213 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0071046105 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0718124998 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0242003530 XXXXXX LA QM: Safe Harbor QM: Safe Harbor A A A
0353472751 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0448515485 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A
0424867201 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A A
0342466361 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A
0963966296 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0963966296 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0088602578 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0088602578 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0028035875 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0907426831 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0907426831 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0907426831 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0907426831 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D
0796553911 XXXXXX AK QM: Safe Harbor QM: Safe Harbor B B A
0634093058 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A
0749680128 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0665884772 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D
0665884772 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D
0709145401 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B A A
0148539936 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A B
0570603490 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0217009625 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A
0981652411 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A
0599510199 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0599510199 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0599510199 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0599510199 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D
0839488553 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0819186429 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0758812553 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A
0612855124 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A
0573022353 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B
0664293224 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B
0596942691 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C C A
0512464759 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
0854956670 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A
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0140058142 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C

 

Alt Loan Number 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
0963507581 A B A A A
0963507581 A B A A A
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0284969463 A A A A A
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0214108704 A A A A A
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0943331316 A A A A A
0896819792 A A A A A
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0375962694 A A A A A
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0031815283 A A A C B
0850402179 A A A A A
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0271776638 A A A A A
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0027728627 A A A A A
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0228718271 A A A C A
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0682930912 A A A B A
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0303721937 A A A B B
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0381873097 A A A D B
0381873097 A A A D B
0381873097 A A A D B
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0012746456 A C A B B
0919358635 A A A B B
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0577062529 A A A A A
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0749728380 B A A B B
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0653215637 A A A A A
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0286579772 A A A A A
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0156707281 A A A A A
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0232499088 A A A A A
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0974099513 A A A A A
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0919643615 B A A A A
0973904213 A A A A A
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0242003530 A A A A A
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0448515485 A A A A A
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0839488553 A A A A A
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0181679119 A A A A A
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0380542251 A A A D A
0716389617 A A A B B
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0461400504 A A A B B
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0334893000 A A A B A
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0237529333 A A A A A
0077310394 A A A B A
0212070388 A A A B B
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0502017376 A A A A A
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0283332721 A A A A A
0303058966 A A A A A
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0350107785 A A A A A
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0734191956 A A A A A
0274317164 A A A A A
0983148372 A A A A A
0251669613 A A A A A
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0779242235 C A A A A
0779242235 C A A A A
0220133462 B B A A A
0681000107 A A A A A
0012566650 A A A A A
0926988888 A A A A A
0333914245 A A A A A
0633877587 A A A A A
0357732170 B B A A A
0357732170 B B A A A
0834479706 A A A A A
0834479706 A A A A A
0881208000 B B A A A
0369324291 B B A A A
0369324291 B B A A A
0369324291 B B A A A
0516785171 A A A A A
0939010384 D B B A A
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0688779392 A A A A A
0455285917 A A A A A
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0666119333 C A A A A
0666119333 C A A A A
0181002629 A A A A A
0523468246 A A A A A
0410865514 A A A A A
0410865514 A A A A A
0268246342 B A A A A
0860532739 A A A A A
0277591816 C B A A A
0277591816 C B A A A
0277591816 C B A A A
0277591816 C B A A A
0477840790 A A A A A
0477840790 A A A A A
0071843758 A A A A A
0341223784 A A A A A
0968947723 A A A A A
0828529500 A A A A A
0584140247 A A A A A
0712898631 A A A A A
0908779737 A A A A A
0544075285 B B A A A
0017539782 C B B B A
0017539782 C B B B A
0017539782 C B B B A
0765930753 A A A A A
0271547873 A A A A A
0890245095 A A A A A
0520518647 B A A A A
0913458034 B A A A A
0018314792 A A A A A
0463060634 A A A A A
0764377670 A A A A A
0655512305 A A A A A
0986622593 B B B B A
0349411859 A A A A A
0338014495 D B D A A
0338014495 D B D A A
0338014495 D B D A A
0427690189 B B A A A
0427690189 B B A A A
0427690189 B B A A A
0889333457 B A A A A
0857090473 A A A A A
0254676620 A A A A A
0032056229 A A A A A
0573538987 A A A A A
0840213421 A A A A A
0303588587 B B A A A
0662980075 A A A A A
0018307949 A A A A A
0747873742 A A A A A
0849501386 A A A A A
0315243070 A A A A A
0315243070 A A A A A
0017684552 B B A A A
0017684552 B B A A A
0809174118 D A A A A
0325320394 D A D A A
0325320394 D A D A A
0344951668 B B A A A
0688934968 A A A A A
0286490937 A A A A A
0024978986 C A C A A
0024978986 C A C A A
0356145732 C A C A A
0214343588 B A A A A
0096165014 A A A A A
0848392930 C A A A A
0848392930 C A A A A
0848392930 C A A A A
0797596608 C B A A A
0797596608 C B A A A
0797596608 C B A A A
0264339191 A A A A A
0103481373 B B A A A
0135303696 B A A A A
0135303696 B A A A A
0072021818 A A A A A
0257889125 A A A A A
0471883817 B B A A A
0471883817 B B A A A
0471883817 B B A A A
0512677123 A A A A A
0266153442 A A A A A
0005358094 A A A A A
0335738563 C B A A A
0813786666 A A A A A
0021905027 B B A A A
0528942590 A A A A A
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0569743743 A A A A A
0606952800 B A A A A
0117085121 B A A A A
0186536427 A A A A A
0254824753 A A A A A
0432632104 A A A A A
0790956895 A A A A A
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0043410945 C A A A A
0598544781 B B A A A
0086267747 D B A A D
0086267747 D B A A D
0358013710 D A A A A
0358013710 D A A A A
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0723640976 B B A A A
0135803765 B B B B A
0995782722 C A A A A
0575353480 A A A A A
0837389883 A A A A A
0604484454 C B A A A
0342303190 A A A A A
0382188727 B A A A A
0829283005 B B A A A
0829283005 B B A A A
0829283005 B B A A A
0829283005 B B A A A
0829283005 B B A A A
0004177533 A A A A A
0123191775 B B A A A
0223998272 A A A A A
0671643698 C A A A A
0507276822 A A A A A
0912689985 C A A A A
0912689985 C A A A A
0169631005 B B A A A
0036207264 C B C B A
0036207264 C B C B A
0036207264 C B C B A
0029862864 B B A A A
0161273789 A A A A A
0359438952 A A A A A
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0721443353 A A A A A
0677144612 B B A A A
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0696705759 A A A A A
0621837976 A A A A A
0364429822 C B A A A
0364429822 C B A A A
0542806149 A A A A A
0791896915 C A A A A
0055194268 A A A A A
0729473214 B B A A A
0956294642 A A A A A
0674669997 A A A A A
0658780589 D A C A A
0658780589 D A C A A
0658780589 D A C A A
0966733478 A A A A A
0469442009 C B A A A
0282800037 A A A A A
0644310749 A A A A A
0947225945 A A A A A
0500177755 B B B B A
0417599872 B B A A A
0417599872 B B A A A
0417599872 B B A A A
0599551992 A A A A A
0948450156 B B A A A
0948450156 B B A A A
0559379468 B B A A A
0241588632 B B A A A
0241588632 B B A A A
0241588632 B B A A A
0241588632 B B A A A
0411968991 A A A A A
0040203710 B B A A A
0213360196 B B A A A
0213360196 B B A A A
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0060358252 A A A A A
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0159518478 A A A A A
0614931025 B B A A A
0961722746 A A A A A
0961722746 A A A A A
0340423211 A A A A A
0345656345 A A A A A
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0696436064 A A A A A
0696436064 A A A A A
0415322354 D A A A A
0548042293 A A A A A
0955037252 A A A A A
0362160697 B B A A A
0051923786 A A A A A
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0977023389 A A A A A
0982856262 A A A A A
0390342730 A A A A A
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0893718908 A A A A A
0388603397 C B A A A
0388603397 C B A A A
0601456978 B B B B A
0601456978 B B B B A
0601456978 B B B B A
0819527470 D B A A A
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0582318402 B A A A A
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0020531788 B B A A A
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0306899124 A A A A A
0502584718 A A A A A
0153038248 A A A A A
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0670298599 B B A A A
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0451657882 A A A A A
0651903903 C B A A A
0651903903 C B A A A
0651903903 C B A A A
0651903903 C B A A A
0558803383 B B B B A
0075783520 A A A A A
0140058142 C A C A A

 

Alt Loan Number 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
0963507581 A A A Credit Income/Employment Satisfied
0963507581 A A A Property Valuations FEMA Satisfied
0795417122 A A A Credit DTI Satisfied
0413813221 A B B Compliance TILA/RESPA Integrated Disclosure Active
0136184503 A A A      
0538479394 A A A      
0329336015 A A A      
0026547960 A A A Credit Credit/Mtg History Active
0508595239 A D B Compliance Documentation Satisfied
0508595239 A D B Compliance TILA/RESPA Integrated Disclosure Active
0123414667 A A A      
0412439702 A A A      
0948252999 A A A      
0900621341 A A A      
0270085883 A A A      
0361166625 A B B Compliance TILA/RESPA Integrated Disclosure Active
0361166625 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0814436497 A A A      
0430597946 A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0406522915 A D B Compliance Documentation Satisfied
0406522915 A D B Compliance Documentation Satisfied
0406522915 A D B Compliance TILA/RESPA Integrated Disclosure Active
0406522915 A D B Credit Terms/Guidelines Active
0406522915 A D B Credit Terms/Guidelines Active
0284969463 A A A      
0985638788 A B B Compliance TILA/RESPA Integrated Disclosure Active
0985638788 A B B Property Valuations Appraisal Satisfied
0106413640 A A A      
0702611325 A A A      
0154129695 A B B Compliance TILA/RESPA Integrated Disclosure Active
0154129695 A B B Credit Assets Active
0495487504 A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0426498562 A A A      
0554142674 A A A Credit Credit/Mtg History Active
0738433473 A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0738433473 A D A Credit DTI Satisfied
0738433473 A D A Credit Terms/Guidelines Satisfied
0738433473 A D A Credit Terms/Guidelines Satisfied
0947978154 A B B Compliance TILA/RESPA Integrated Disclosure Active
0947978154 A B B Credit Terms/Guidelines Active
0537210073 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0214108704 A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0082077831 A A A      
0869179023 A A A      
0943331316 A A A      
0896819792 A A A      
0046679319 A B A Compliance TILA/RESPA Integrated Disclosure Satisfied
0046679319 A B A Credit Credit/Mtg History Satisfied
0375962694 A A A      
0685984761 A A A      
0031815283 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0850402179 A A A      
0168964563 A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0168964563 A D A Compliance Finance Charge Tolerance Satisfied
0168964563 A D A Compliance Finance Charge Tolerance Satisfied
0168964563 A D A Credit DTI Satisfied
0168964563 A D A Credit Income/Employment Satisfied
0445116363 A A A      
0459994776 A A A      
0271776638 A A A      
0499905695 A A A      
0158666868 A A A      
0355956948 A A A      
0400280022 A A A      
0027728627 A A A      
0878548977 A A A      
0275335233 A A A Credit Credit/Mtg History Active
0897587662 A A A      
0528616841 A A A      
0758866918 A B A Compliance TILA/RESPA Integrated Disclosure Satisfied
0243087236 A A A      
0395274033 B B B Compliance TILA/RESPA Integrated Disclosure Active
0395274033 B B B Property Valuations Value Satisfied
0848367948 A A A      
0948435723 A A A Credit Terms/Guidelines Active
0777569679 A A A      
0274863615 A A A      
0480915856 A B B Compliance TILA/RESPA Integrated Disclosure Active
0441563937 A B A Compliance TILA/RESPA Integrated Disclosure Satisfied
0585140082 A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0503991169 A A A      
0768579599 A B B Compliance TILA/RESPA Integrated Disclosure Active
0933160225 A A A Credit Credit/Mtg History Active
0476736800 A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0476736800 A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0476736800 A D A Credit Income/Employment Satisfied
0653332195 A A A      
0994233608 A C B Compliance TILA/RESPA Integrated Disclosure Active
0994233608 A C B Compliance TILA/RESPA Integrated Disclosure Active
0994233608 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0629093328 A D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0629093328 A D B Compliance TILA/RESPA Integrated Disclosure Active
0629093328 A D B Credit Credit/Mtg History Active
0914511757 A B B Compliance TILA/RESPA Integrated Disclosure Active
0914511757 A B B Credit LTV/CLTV Active
0638978391 A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0638978391 A A A Credit Assets Satisfied
0638978391 A A A Credit Legal Documents Satisfied
0638978391 A A A Credit Title Active
0228718271 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0263510253 A D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0263510253 A D B Compliance RESPA Active
0263510253 A D B Credit DTI Satisfied
0263510253 A D B Credit Income/Employment Active
0879668281 A A A      
0872538885 A B B Compliance TILA/RESPA Integrated Disclosure Active
0771539626 A A A      
0354685443 A B B Compliance TILA/RESPA Integrated Disclosure Active
0343598941 A B B Compliance TILA/RESPA Integrated Disclosure Active
0982821183 A B B Compliance TILA/RESPA Integrated Disclosure Active
0701012494 B A A Property Valuations FEMA Active
0701012494 B A A Property Valuations Value Satisfied
0682930912 A B A Compliance Borrower's Interest Satisfied
0422642246 A A A Credit Credit/Mtg History Active
0287535549 B B B Compliance TILA/RESPA Integrated Disclosure Active
0287535549 B B B Property Valuations Value Satisfied
0902137591 A D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0902137591 A D B Compliance TILA/RESPA Integrated Disclosure Active
0902137591 A D B Credit DTI Satisfied
0234317300 A B B Compliance TILA/RESPA Integrated Disclosure Active
0234317300 A B B Credit Income/Employment Satisfied
0893461510 A A A Credit Assets Satisfied
0612868538 A A A      
0671852383 A A A      
0258280881 A A A      
0863375550 B D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0863375550 B D A Credit DTI Satisfied
0863375550 B D A Credit Income/Employment Active
0863375550 B D A Credit Income/Employment Active
0863375550 B D A Property Valuations FEMA Active
0711003101 A B B Compliance TILA/RESPA Integrated Disclosure Active
0846370757 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0846370757 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0846370757 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0846370757 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0681570651 A A A      
0798089228 A A A      
0372361538 A B B Compliance RESPA Active
0022322896 A A A      
0342712039 A A A      
0433602212 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0725901400 A B B Compliance TILA/RESPA Integrated Disclosure Active
0725901400 A B B Credit Terms/Guidelines Active
0333201747 A A A Credit Income/Employment Active
0296518793 A B B Compliance Right of Rescission  Active
0713300506 A B B Compliance TILA/RESPA Integrated Disclosure Active
0713300506 A B B Compliance TILA/RESPA Integrated Disclosure Active
0852829920 A B B Compliance TILA/RESPA Integrated Disclosure Active
0852829920 A B B Compliance TILA/RESPA Integrated Disclosure Active
0915285605 A B B Compliance TILA/RESPA Integrated Disclosure Active
0915285605 A B B Credit Terms/Guidelines Active
0103233966 A B B Compliance TILA/RESPA Integrated Disclosure Active
0241215325 A B B Compliance RESPA Active
0057354728 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0872081541 A A A      
0154450608 A A A      
0977457118 B A A Property Valuations Value Satisfied
0972057825 A B B Compliance Finance Charge Tolerance Satisfied
0546858911 A A A      
0041376163 A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0041376163 A D A Credit Assets Satisfied
0041376163 A D A Credit Credit/Mtg History Satisfied
0041376163 A D A Credit DTI Satisfied
0729568430 A B A Compliance TILA/RESPA Integrated Disclosure Satisfied
0472501342 A C B Compliance Right of Rescission  Satisfied
0472501342 A C B Compliance TILA/RESPA Integrated Disclosure Active
0472501342 A C B Credit Legal Documents Satisfied
0247468142 A B A Compliance TILA/RESPA Integrated Disclosure Satisfied
0445239846 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0445239846 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0841874439 A A A      
0776709794 A A A      
0253059770 A C B Compliance TILA/RESPA Integrated Disclosure Active
0253059770 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0253059770 A C B Credit Legal Documents Satisfied
0303721937 A B B Compliance TILA/RESPA Integrated Disclosure Active
0462691832 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0462691832 A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0381873097 A D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0381873097 A D B Compliance Finance Charge Tolerance Satisfied
0381873097 A D B Compliance Finance Charge Tolerance Satisfied
0381873097 A D B Compliance TILA/RESPA Integrated Disclosure Active
0808671633 A A A      
0695025282 B A A Property Valuations Value Satisfied
0824615047 A A A      
0012746456 B B B Compliance TILA/RESPA Integrated Disclosure Active
0012746456 B B B Credit Legal Documents Satisfied
0012746456 B B B Property Valuations Value Satisfied
0919358635 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0919358635 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0919358635 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0919358635 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0919358635 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
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0857204292 A A A      
0020531788 A B B Compliance TILA/RESPA Integrated Disclosure Active
0982854435 A C B Compliance Right of Rescission  Satisfied
0982854435 A C B Compliance Right of Rescission  Satisfied
0982854435 A C B Compliance TILA/RESPA Integrated Disclosure Active
0982854435 A C B Credit Legal Documents Satisfied
0508184990 A A A      
0306899124 A A A      
0502584718 A A A      
0153038248 A A A      
0664274096 A A A      
0670298599 A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0964313192 A B B Compliance TILA/RESPA Integrated Disclosure Active
0451657882 A A A      
0651903903 A C B Compliance RESPA Satisfied
0651903903 A C B Compliance TILA/RESPA Integrated Disclosure Active
0651903903 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0651903903 A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0558803383 A A A Credit Assets Active
0075783520 A A A      
0140058142 A A A Credit Assets Satisfied

 

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
0963507581 C A C A CRDINC150 Income docs do not meet guidelines
0963507581 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0795417122 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0413813221 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0136184503            
0538479394            
0329336015            
0026547960 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0508595239 D A D A CMPDOC806 Notary Status is missing
0508595239 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0123414667            
0412439702            
0948252999            
0900621341            
0270085883            
0361166625 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0361166625 A A A A CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file
0814436497            
0430597946 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0406522915 D A D A CMPDOC3274 Mortgage/Deed in file is incomplete
0406522915 D A D A CMPDOC869 Mortgage not signed
0406522915 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0406522915 B B B B CRDTER109 Cash Out Amount Exceeds Guidelines
0406522915 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0284969463            
0985638788 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0985638788 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0106413640            
0702611325            
0154129695 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0154129695 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0495487504 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0426498562            
0554142674 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0738433473 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.
0738433473 B A B A CRDDTI105 Debt Ratio Exception 5% or Less
0738433473 C A C A CRDTER3122 Loan documents do not meet guideline requirements
0738433473 C A C A CRDTER3124 Loan documents do not meet guideline requirements
0947978154 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0947978154 C B C B CRDTER3262 Property issues indicated
0537210073 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0214108704 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0082077831            
0869179023            
0943331316            
0896819792            
0046679319 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0046679319 C A C A CRDCRMH148 Credit report stale dated at closing
0375962694            
0685984761            
0031815283 C B C B CMPTRID5049 TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD
0850402179            
0168964563 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.
0168964563 A A A A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0168964563 A A A A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0168964563 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0168964563 B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0445116363            
0459994776            
0271776638            
0499905695            
0158666868            
0355956948            
0400280022            
0027728627            
0878548977            
0275335233 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0897587662            
0528616841            
0758866918 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0243087236            
0395274033 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0395274033 C A C B PRVAVALU153 Value Not Supported
0848367948            
0948435723 C B C B CRDTER3262 Property issues indicated
0777569679            
0274863615            
0480915856 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0441563937 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0585140082 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0503991169            
0768579599 B B B B CMPTRID4583 TRID - LE sent prior to CD, but either confirmed receipt date or assumed receipt date is on or after the CD receipt date
0933160225 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0476736800 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.
0476736800 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0476736800 B A B A CRDINC2488 Verbal verification of employment missing
0653332195            
0994233608 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0994233608 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0994233608 C B C B CMPTRID5049 TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD
0629093328 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.
0629093328 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0629093328 B B B B CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination
0914511757 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0914511757 B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10%
0638978391 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0638978391 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0638978391 D A D A CRDLGL100 Legal document incorrect or incomplete
0638978391 B B B B CRDTIL875 Title Does Not Agree With Mortgage
0228718271 C A C A CMPTRID3957 TRID - CD: The Homeowner's Insurance escrow indicator in the CD Projected Payments section is not consistent with the inclusion of Homeowner's insurance in Escrowed/Non-Escrowed Property Costs over Year 1 in the CD Loan Disclosures section
0263510253 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.
0263510253 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0263510253 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0263510253 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0879668281            
0872538885 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0771539626            
0354685443 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0343598941 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0982821183 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0701012494 B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0701012494 C A C B PRVAVALU153 Value Not Supported
0682930912 B A B A CMPBI1623 MA Borrower Interest; Worksheet missing
0422642246 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0287535549 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0287535549 C A C B PRVAVALU153 Value Not Supported
0902137591 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.
0902137591 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0902137591 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0234317300 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0234317300 D A D A CRDINC2408 Income verification does not meet guidelines
0893461510 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0612868538            
0671852383            
0258280881            
0863375550 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.
0863375550 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0863375550 B B B B CRDINC150 Income docs do not meet guidelines
0863375550 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0863375550 B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0711003101 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0846370757 B A B A CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0846370757 B A B A CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0846370757 B A B A CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0846370757 C A C A CMPTRID3590 TRID - At least one LE was delivered on or after the date that a CD was delivered
0681570651            
0798089228            
0372361538 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0022322896            
0342712039            
0433602212 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0725901400 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0725901400 B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines
0333201747 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0296518793 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0713300506 B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0713300506 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0852829920 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0852829920 B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0915285605 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0915285605 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0103233966 B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0241215325 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0057354728 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0872081541            
0154450608            
0977457118 C A C B PRVAVALU153 Value Not Supported
0972057825 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0546858911            
0041376163 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.
0041376163 B A B A CRDAST2670 Asset documentation is insufficient per guideline requirements
0041376163 B A B A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0041376163 B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0729568430 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0472501342 C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0472501342 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0472501342 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0247468142 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0445239846 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0445239846 C B C B CMPTRID3646 TRID - CD: Ten percent 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
0841874439            
0776709794            
0253059770 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0253059770 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0253059770 D A D A CRDLGL2996 Missing Trust Documents
0303721937 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0462691832 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0462691832 C A C A CMPTRID3957 TRID - CD: The Homeowner's Insurance escrow indicator in the CD Projected Payments section is not consistent with the inclusion of Homeowner's insurance in Escrowed/Non-Escrowed Property Costs over Year 1 in the CD Loan Disclosures section
0381873097 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.
0381873097 B B B B CMPFINT109 Finance charge understated by more than  $35 (Pmt Stream)
0381873097 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0381873097 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0808671633            
0695025282 C A C B PRVAVALU153 Value Not Supported
0824615047            
0012746456 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0012746456 D A D A CRDLGL101 Missing legal docs for senior or subordinate loan
0012746456 C A C B PRVAVALU153 Value Not Supported
0919358635 B B B B CMPTRID4283 TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0919358635 B B B B CMPTRID4284 TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0919358635 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0919358635 B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0919358635 B B B B CMPTRID4311 TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0030034502 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0822855264 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.
0822855264 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0822855264 C B C B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0822855264 D A D A CRDINC2408 Income verification does not meet guidelines
0577062529            
0550614052 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0946931186 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0946931186 B A B A CRDTER109 Cash Out Amount Exceeds Guidelines
0954368046 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0423102030            
0627485854 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0627485854 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0627485854 B B B B CRDCRMH104 Credit score below guidelines
0599751634 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.
0599751634 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0599751634 B A B A CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers
0599751634 B A B A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers
0599751634 B A B A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien)
0749728380 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0749728380 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0749728380 C B C B CRDTER3262 Property issues indicated
0749728380 C A C A CRDTER3122 Loan documents do not meet guideline requirements
0726767184            
0653215637            
0388091444 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0674952727 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
0894765516            
0286579772            
0470701509            
0215943527            
0882474716 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0882474716 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0858143511 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.
0858143511 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0858143511 C A C A CRDRVRFC1803 Debts/Obligations that were not discl at origination revealed through independent re-verification
0156707281            
0470885019            
0199178115 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0199178115 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0232499088            
0364904689 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0541001091 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0541001091 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0216307103 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0216307103 B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0216307103 B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0216307103 C A C B PRVAVALU153 Value Not Supported
0873163041 B B B B CRDINC150 Income docs do not meet guidelines
0873163041 C A C B PRVAVALU153 Value Not Supported
0164668375 B B B B CMPBI1623 MA Borrower Interest; Worksheet missing
0164668375 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0164668375 B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0164668375 B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0699815957 B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section
0852867907 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0175851173 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0431950618            
0323951883            
0575538927 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0974099513            
0949766520            
0579135349 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.
0579135349 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0919643615 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0973904213            
0071046105            
0718124998 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0242003530 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0353472751            
0448515485            
0424867201 B A B A CMPDOC2862 TILA - Loan Originator information missing from Mortgage.
0342466361            
0963966296 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0963966296 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0088602578 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.
0088602578 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0028035875            
0907426831 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.
0907426831 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0907426831 C A C A CRDINC150 Income docs do not meet guidelines
0907426831 C A C A CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10%
0796553911 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0634093058            
0749680128            
0665884772 B A B A CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0665884772 D A D A CRDAPP4625 The orig file does not contain a third party fraud report
0709145401 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0148539936 B A B A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0570603490            
0217009625 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0981652411            
0599510199 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.
0599510199 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0599510199 B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0599510199 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0839488553            
0819186429 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0758812553            
0612855124            
0573022353 B B B B CRDTER3262 Property issues indicated
0664293224 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0596942691 C C C C PRVAVALU153 Value Not Supported
0512464759 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0854956670 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0854956670 B B B B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0854956670 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0510469541            
0500518156            
0911589261            
0975472364 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0376494210 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0376494210 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0889736434 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0889736434 B B B B CRDDTI105 Debt Ratio Exception 5% or Less
0808465278            
0681811143 B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0681811143 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0681811143 B B B B CMPTRID3730 TRID - Error #2 discovered on Closing Disclosure
0681811143 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0681811143 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0681811143 C B C B CMPTRID3732 TRID - Error #3 discovered on Closing Disclosure
0681811143 C B C B CMPTRID3738 TRID - Error #5 discovered on Closing Disclosure
0681811143 C B C B CMPTRID3740 TRID - Error #6 discovered on Closing Disclosure
0028139323 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0028139323 C A C B PRVAVALU153 Value Not Supported
0486622257 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0486622257 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0506999203 B B B B CRDTER3262 Property issues indicated
0518528405 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0104552390 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0524021296            
0733705476 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0864748943            
0181679119 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0838880783 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0519613181            
0896660644            
0796378679 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.
0796378679 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0796378679 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0833478670            
0144026720            
0929214902 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0568659980 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0568659980 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0540320245 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0540320245 B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0540320245 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0380542251 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0716389617 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0788383112            
0150259748            
0219350889 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0219350889 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0461400504 B B B B CMPTRID4277 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Loan Amount but Did This Change? = Yes
0461400504 C A C A CRDINC2488 Verbal verification of employment missing
0221074948 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0221074948 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0518157399 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0334893000 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0137011473 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0509152535            
0237529333 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0077310394 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0212070388 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0226643276 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0069634422 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0502017376            
0048222888 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0650724862 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.
0650724862 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0650724862 B B B B CRDCRMH104 Credit score below guidelines
0650724862 B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0283332721            
0303058966            
0344345531 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0344345531 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0344345531 D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien)
0047687110            
0284633103 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0284633103 B B B B CRDCRMH104 Credit score below guidelines
0521742423            
0017290309 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0605328567            
0827066954 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0711888345            
0987478436 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0736366091 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0736366091 B B B B CRDINC2408 Income verification does not meet guidelines
0737901987 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0281779625 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.
0281779625 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0281779625 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0281779625 C A C A CRDINC2488 Verbal verification of employment missing
0946985841            
0360412040 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0871944758 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0711876968 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0084069748            
0399499872            
0603071303 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0603071303 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0220043195 B B B B CMPMAN2954 Missing Initial Escrow
0299977131            
0386219645            
0741600555            
0284888667            
0153289263 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.
0153289263 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0912487297            
0113895199 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0841919394            
0639684495 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.
0639684495 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0639684495 D A D A CRDINC2340 Employment verification does not meet guidelines
0009271464            
0420683176 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
0386828682            
0450153825            
0963901931 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0963901931 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0353927909            
0391649449 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0391649449 C A C B PRVAVALU153 Value Not Supported
0583254700            
0679499143            
0148854837            
0367841971            
0401466868            
0125896444            
0669699780 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0669699780 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0669699780 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0669699780 C A C A CRDINC2488 Verbal verification of employment missing
0198414309            
0031322226            
0117814989 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0117814989 C A C A CRDAST3036 Assets reflect unsourced deposits
0117814989 D A D A CRDINC3204 Income Documentation Missing
0121661064 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0121661064 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0174099974 B B B B CMPDOC2500 Some funds escrowed based on written agreement for completion of improvements to property
0174099974 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0174099974 C B C B CRDTER3122 Loan documents do not meet guideline requirements
0174099974 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0043207190            
0604124784 B B B B PRVAPROP177 Property Issues Indicated
0169666637            
0746165502            
0994061974            
0591745499 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0014674040            
0055279077            
0516624136 B A B A CMPDOC2500 Some funds escrowed based on written agreement for completion of improvements to property
0516624136 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0516624136 C A C B PRVAVALU153 Value Not Supported
0658649557 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0658649557 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0658649557 C A C B PRVAVALU153 Value Not Supported
0308946868            
0229866342            
0015987989 C A C A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0015987989 D A D A CRDAPP4625 The orig file does not contain a third party fraud report
0015987989 B B B B CRDCRMH148 Credit report stale dated at closing
0015987989 C B C B CRDTIL100 Potential title issue
0897629466            
0104274652            
0940500621            
0001436381 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0401719385 B B B B CRDTER110 Loan amount exceeds guideline maximum
0403614567            
0720529663            
0104606822            
0551600189 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0551600189 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0127739701 C A C B PRVAVALU153 Value Not Supported
0606585695            
0604972425 C A C B PRVAVALU153 Value Not Supported
0780800532 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0562672333            
0215893857 C B C B CMPTRID5049 TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD
0296806338            
0887858696            
0981705473 B B B B CMPFDCP4395 Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed.
0270508065            
0117846092            
0730240498            
0490826421            
0253656178 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0809719169 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0809719169 C B C B CRDTER3262 Property issues indicated
0809719169 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0252682929            
0441247330 B A B A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0441247330 C A C A CRDCRMH148 Credit report stale dated at closing
0121103743 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0121103743 C A C A CMPTRID3646 TRID - CD: Ten percent 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
0230969268 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0230969268 D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0839714127 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.
0839714127 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0699329754 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0209053411 B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0209053411 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0608285982 B B B B CRDCRMH104 Credit score below guidelines
0608285982 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0424791346 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0424791346 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.
0220897833            
0274862710 D A D A CMPTRID4579 TRID - CD: Missing Initial CD
0274862710 C A C A CRDCRMH148 Credit report stale dated at closing
0014653295 B B B B CRDLGL100 Legal document incorrect or incomplete
0877940921 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0515091953            
0227889966 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0227889966 B A B A CMPTRID4583 TRID - LE sent prior to CD, but either confirmed receipt date or assumed receipt date is on or after the CD receipt date
0227889966 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0227889966 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0227889966 C A C B PRVAVALU153 Value Not Supported
0270369463            
0309200777            
0725058729 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0816584592 B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section
0816584592 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0505240749            
0562077712            
0816825254 B B B B CRDCRMH148 Credit report stale dated at closing
0576958692            
0734934881 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0889278303 C B C B CMPTRID5049 TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD
0811511938 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0741451368 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0741451368 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0823431480            
0781931152            
0699636347 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0699636347 B A B A CRDTER3122 Loan documents do not meet guideline requirements
0903724938 B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section
0903724938 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0560820298 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0560820298 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0436355399 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0271385037 D A D A CMPTRID3648 TRID - Corrected Closing Disclosure required with ten percent tolerance fees refund, but not provided
0615433767            
0989747628 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0800560084 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0074015063 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0074015063 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0803622980 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0803622980 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0220304998            
0900548734 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0900548734 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0415179813 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0415179813 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0415179813 C A C A CRDTIL875 Title Does Not Agree With Mortgage
0332736607 B B B B CRDINC150 Income docs do not meet guidelines
0658042986            
0318559143            
0747113264 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0741375619 B B B B CRDAST115 Cash reserves do not meet guidelines
0519144546 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0519144546 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0519144546 B B B B CRDCRMH104 Credit score below guidelines
0606123206 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0227454551 C A C A CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0907778787 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0055585721 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0161592098 B B B B CRDTER3262 Property issues indicated
0352387729            
0301987382 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0850190511 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0079816554 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0078368279            
0518215475 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0615765680 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0067058287            
0305917338            
0574634007            
0251826991 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0941061264 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0941061264 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0941061264 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0941061264 C A C B PRVAVALU153 Value Not Supported
0191653903            
0114897320 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0981061535 C A C A CMPTRID5049 TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD
0331945740 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.
0331945740 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0331945740 B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0309110868 C A C A CMPBI1381 NC Home Loan - Refinancing without Benefit to Borrower
0309110868 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0394929233            
0910098785 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0910098785 B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number
0066616826 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0066616826 C A C A CRDCRMH148 Credit report stale dated at closing
0086497165 B B B B CRDCRMH104 Credit score below guidelines
0739412209 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0739412209 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0739412209 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0270369442 C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0270369442 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0270369442 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency
0220654425            
0362699986 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.
0362699986 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0362699986 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0278901004            
0938395726 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0938395726 C B C B CMPTRID3944 TRID - CD: The P&I at consummation per the CD Loan Terms section does not match the P&I per Year 1 in the CD Project Payments section
0938395726 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0772369516            
0573000250            
0529284218            
0118206840 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.
0118206840 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0118206840 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0118206840 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0561283275            
0506658596 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0506658596 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0506658596 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0835241057 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0092957974            
0236654925            
0933556682 C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File
0367594169 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0981407942            
0230046852 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0679907903 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0770189372 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0463316254 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0980776305 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0812976933 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0291617406            
0727066015            
0712719885            
0664105536            
0754295418            
0114619487 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0114619487 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0114619487 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0795163840 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0613528485 D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
0613528485 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0043347347            
0775463925 C A C B PRVAVALU153 Value Not Supported
0484031845 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0484031845 B B B B CRDINC150 Income docs do not meet guidelines
0800752685 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0850442092            
0303917489 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0303917489 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0810177931            
0566323165            
0580225870            
0930998978 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0930998978 C A C B PRVAVALU153 Value Not Supported
0368237831            
0542524091 D A D A CMPDOC191 Missing Mortgage
0542524091 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0503887961            
0365424102 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0126493436            
0865898040 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.
0865898040 B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0263760287            
0681646535 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0681646535 C B C B CMPTRID3646 TRID - CD: Ten percent 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
0004782375 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0817867709            
0208370098            
0920205108 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0932493229            
0279302868            
0710393521            
0645075884 B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0645075884 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0645075884 B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0645075884 B B B B CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file
0645075884 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0645075884 B B B B CMPTRID3730 TRID - Error #2 discovered on Closing Disclosure
0645075884 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0645075884 C A C A CMPTRID3604 TRID - Error discovered on Closing Disclosure
0645075884 C A C A CMPTRID3658 TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance
0645075884 B B B B CRDCRMH120 Collections, charge offs, liens, etc. exceed guidelines
0357154519 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0357154519 C A C A CMPTRID3658 TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance
0181967078            
0968523798            
0321503133 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0249794483 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0442040135 B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0442040135 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0442040135 B A B A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0343850802 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0372770363 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency
0516103400 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0516103400 B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0516103400 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0516103400 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0896301897            
0210536267            
0610787658 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0610787658 C A C B PRVAVALU153 Value Not Supported
0713990299            
0887631462 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0484776941 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0484776941 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0209994227            
0470003451 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0779673789            
0739708940 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0825052742 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0559095331            
0671237327 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0671237327 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0996704747 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0996704747 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0071559468 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0698664444 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0498740772 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.
0498740772 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0498740772 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0816353253            
0374654092            
0203694892            
0283516480            
0290883459 B B B B CRDINC150 Income docs do not meet guidelines
0783067049 D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0121289638 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0243158077 B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0243158077 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0673273247            
0066303606 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0593495407            
0965165372 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0820054570            
0596672423 B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0782534005 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0168476464 B A B A CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0168476464 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0737690505            
0270034479            
0044700771            
0364707997            
0297958720            
0485993151            
0090341137 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0591596852 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0591596852 C B C B CMPTRID3730 TRID - Error #2 discovered on Closing Disclosure
0480912477            
0905826979 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
0905826979 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0560877378            
0511534619 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0511534619 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0218433957            
0620895732 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0108477306 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0061710029            
0928812297            
0504910642            
0311641643 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0971982118 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0226739979 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0826774490            
0818072354 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0515560731 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.
0515560731 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0515560731 B A B A CRDCRMH123 No evidence of required debt payoff
0515560731 B A B A CRDINC126 Length of employment/self-employment does not meet guidelines
0421849288 C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File
0368887246 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0270084761 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0064147689            
0558715091            
0490120386            
0451766372 C A C B PRVAVALU153 Value Not Supported
0297829718 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0297829718 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
0341025788            
0857740568 B A B A CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0857740568 C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0857740568 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0306965487 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0306965487 C A C B PRVAVALU153 Value Not Supported
0490237911 B A B A CRDINC150 Income docs do not meet guidelines
0288703543            
0242664653 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0628490569            
0425758750            
0673437142            
0662650531 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0650924058 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0350107785            
0547915849 C C C C PRVAVALU153 Value Not Supported
0089439593            
0101480227            
0906788080 C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0638205694 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0174701179 B A B A CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0802672473 D A D A CMPDOC869 Mortgage not signed
0834971186 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0006465905 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0006465905 D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0933877992 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0623330256            
0663712905 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0356982593            
0145407784            
0707777758 B B B B CRDAPP3822 Missing or incomplete documentation related to citizenship/residency
0700787243            
0602736645            
0236236963 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0054439636            
0929569653 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0136747360 B B B B CMPTRID4282 TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0136747360 B B B B CMPTRID4284 TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0136747360 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0136747360 B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0136747360 B B B B CMPTRID4311 TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0136747360 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0932548024 B B B B CRDTER127 Payment shock does not meet guidelines
0443692162            
0059336897 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0486832131            
0418978919            
0080634606 C A C A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0080634606 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0665164552            
0664319958            
0476061695            
0259519973 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0259519973 D B D B CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0191233684            
0068278377 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.
0068278377 B B B B CMPSTCP2129 MD Counseling Notice not in file
0068278377 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0068278377 B B B B CRDINC3204 Income Documentation Missing
0068278377 D A D A CRDLGL2550 Missing HUD-1 from sale of property
0094707647 D A D A PRVAAPPR3116 Missing updated valuation
0249547490 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.
0249547490 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0679930322            
0410770320 B B B B CRDAST115 Cash reserves do not meet guidelines
0638614530 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0638614530 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
0638614530 C B C B CMPTRID3730 TRID - Error #2 discovered on Closing Disclosure
0469187537 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.
0469187537 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0469187537 C A C A CRDDTI187 Debt Ratio > 50%
0338543117 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0076034244 C A C A CRDAST205 Insufficient Funds to Close
0076034244 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0074608583            
0815205008 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0820238192            
0536059734 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0536059734 C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
0062990195            
0919169719 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0919169719 C A C B PRVAVALU153 Value Not Supported
0314525818 C B C B 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
0109022750            
0555584903 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0555584903 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0235966420 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.
0738455154 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0738455154 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0541467369            
0793113456            
0865538373 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0191113412 B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts
0191113412 B B B B CMPTRID4311 TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0113262635            
0294024168 D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
0294024168 D A D A CMPTRID5111 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
0600624223 D A D A CMPTRID5111 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
0734191956            
0274317164            
0983148372            
0251669613            
0538503257 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0538503257 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0538503257 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0779242235 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0779242235 C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
0220133462 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0681000107            
0012566650 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0926988888            
0333914245 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0633877587            
0357732170 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0357732170 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0834479706 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0834479706 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0881208000 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0369324291 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0369324291 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0369324291 B B B B CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product
0516785171            
0939010384 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.
0939010384 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0939010384 B A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0688779392            
0455285917            
0788847829 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0666119333 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0666119333 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0181002629            
0523468246            
0410865514 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0410865514 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0268246342 B A B A CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form
0860532739            
0277591816 B B B B CMPSTCP2129 MD Counseling Notice not in file
0277591816 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0277591816 C A C A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0277591816 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
0477840790 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0477840790 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0071843758            
0341223784            
0968947723            
0828529500            
0584140247            
0712898631            
0908779737            
0544075285 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0017539782 B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0017539782 C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
0017539782 B B B B CRDINC150 Income docs do not meet guidelines
0765930753            
0271547873            
0890245095            
0520518647 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0913458034 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0018314792            
0463060634            
0764377670            
0655512305 A A A A CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file
0986622593 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0349411859            
0338014495 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0338014495 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0338014495 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0427690189 B B B B CMPTRID4290 TRID - CD: Closing Costs total has at least one inconsistent value between the Costs at Closing Table, section J and the Calculating Cash to Close Table
0427690189 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0427690189 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0889333457 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0857090473            
0254676620            
0032056229            
0573538987 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0840213421            
0303588587 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0662980075            
0018307949            
0747873742            
0849501386            
0315243070 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0315243070 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0017684552 B B B B CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product
0017684552 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0809174118 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0325320394 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0325320394 D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0344951668 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0688934968            
0286490937            
0024978986 A A A A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0024978986 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0356145732 C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File
0214343588 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0096165014            
0848392930 B A B A CMPTRID3476 TRID - Written List of Providers not provided or untimely
0848392930 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0848392930 C A C A CMPTRID3552 TRID - Loan Estimate not timely
0797596608 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0797596608 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0797596608 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0264339191            
0103481373 B B B B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0135303696 B A B A CMPSTCP2129 MD Counseling Notice not in file
0135303696 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0072021818            
0257889125            
0471883817 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0471883817 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0471883817 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0512677123            
0266153442            
0005358094            
0335738563 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0813786666            
0021905027 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0528942590            
0598390450            
0569743743            
0606952800 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0117085121 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0186536427            
0254824753            
0432632104            
0790956895            
0043410945 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0043410945 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0598544781 B B B B CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form
0086267747 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0086267747 D A D A PRVAAPPR3116 Missing updated valuation
0358013710 D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
0358013710 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0926328738            
0723640976 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0723640976 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0135803765 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0995782722 C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0575353480            
0837389883            
0604484454 C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0342303190            
0382188727 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0829283005 A A A A CMPTRID3662 TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance
0829283005 B B B B CMPTRID4027 TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I
0829283005 B B B B CMPTRID4318 TRID - CD: The Interest Rate on the Loan Terms section of Final Closing Disclosure does not match the Note Rate
0829283005 B B B B CMPTRID4993 TRID  CD:  The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates.
0829283005 B B B B CMPTRID5035 TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates.
0004177533            
0123191775 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0223998272            
0671643698 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0507276822            
0912689985 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0912689985 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0169631005 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0036207264 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0036207264 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0036207264 C B C B CRDTER3262 Property issues indicated
0029862864 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0161273789            
0359438952            
0959447029            
0721443353 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0677144612 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0043145834 C B C B CMPTRID3938 TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table
0696705759            
0621837976 A A A A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0364429822 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0364429822 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0542806149 A A A A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0791896915 C A C A CMPBI1183 MD DLLR - NTB Worksheet not signed by borrower
0055194268 A A A A CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file
0729473214 B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts
0956294642            
0674669997            
0658780589 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.
0658780589 C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File
0658780589 B A B A CRDCRMH123 No evidence of required debt payoff
0966733478            
0469442009 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.
0282800037            
0644310749 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0947225945            
0500177755 B B B B CRDAST205 Insufficient Funds to Close
0417599872 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0417599872 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0417599872 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0599551992            
0948450156 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0948450156 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0559379468 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0241588632 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0241588632 B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0241588632 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0241588632 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0411968991            
0040203710 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0213360196 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0213360196 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0060358252 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0060358252 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0967800385            
0096402960            
0159518478            
0614931025 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0961722746 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0961722746 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0340423211            
0345656345            
0564116417            
0696436064 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0696436064 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0415322354 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0548042293            
0955037252            
0362160697 B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0051923786 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0796856461            
0977023389            
0982856262            
0390342730            
0860667952 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0893718908 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0388603397 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0388603397 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
0601456978 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0601456978 B B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0601456978 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0819527470 B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0819527470 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0819527470 D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
0582318402 B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0596590893            
0484164368            
0499969035            
0821438396            
0530051957            
0831413328 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0831413328 D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0152439280            
0022552750            
0405299668            
0965808421            
0913817351            
0352122557            
0251383472            
0536197256 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0536197256 B A B A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0765934188 B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0765934188 A A A A CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0857204292            
0020531788 B B B B CMPTRID4307 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Seller Credits but Did This Change? = Yes
0982854435 B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0982854435 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0982854435 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0982854435 D A D A CRDLGL140 Missing subordination agreement for existing junior lien
0508184990            
0306899124            
0502584718            
0153038248            
0664274096            
0670298599 B B B 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
0964313192 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0451657882            
0651903903 B A B A CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0651903903 B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0651903903 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0651903903 C B C B CMPTRID4346 TRID - CD: Monthly Escrow Amount in Projected Payments is inconsistent with annual cost in Loan Disclosure section
0558803383 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0075783520            
0140058142 C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File

 

Alt Loan Number Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments
0963507581 No Missing executed 4506T at application as required by guidelines. 05.10.17 Lender provided a copy of the e-signed 4506T. 05.10.17 Exception satisfied.
0963507581 No FEMA disaster effective XX/XX/XXXX, XXXXXX, Dec #XXXX. Appraisal dated XX/XX/XXXX. Note date XXX, no subsequent inspection in file. 5.9.17  Post Disaster Inspection provided reflecting no damage. 5.9.17 - Exception Satisfied. 
0795417122 No 1) Missing verification of HOA for REO on XXX2) Missing verification of total monthly maintenance fee for REO on XXX 5.20.17 Lender provided XXX dues for XXX 5.20.17 Exception Satisfied
0413813221 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3347.66CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2827.07 (No Data) (No Data)
0136184503        
0538479394        
0329336015        
0026547960 No Missing evidence of rent payments for June and August 2018.  Copy of July rent check provided and rent free letter for period starting 09/01/2018. (No Data) (No Data)
0508595239 No  Notary Status is missing.  8.14.19 - Client responded. See attached Loan Security agreement for a co-op. This  is not notarized as  only the propriety lease and assignment of proprietary of lease is notarized  for a coop. 8.14.19 - Exception satisfied. 
0508595239 No CD XXX & Final CD XXX Other Costs; Section E is missing the itemization for Deed/Mortgage. (No Data) (No Data)
0123414667        
0412439702        
0948252999        
0900621341        
0270085883        
0361166625 No Cd XXX: Other costs screen: Section E: Recording Fee's are not itemized. Provide a Lox or updated CD with the correct information provided within 60 days of consummation.  (No Data) (No Data)
0361166625 No Seller-Paid fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.  Exception satisfied.  (No Data) (No Data)
0814436497        
0430597946 No Seller CD not in file.  8.9.19 - Client responded. See attached Seller CD. 8.9.19 - Exception satisfied. 
0406522915 No Mortgage/Deed in file is incomplete. The mortgage is missing page 15. 8.14.19 - Client responded. See attached signed mortgage/DOT with all pages. 8.14.19 - Exception satisfied. 
0406522915 No Mortgage not signed. 8.14.19 - Client responded. See attached signed mortgage/DOT with all pages. 8.14.19 - Exception satisfied. 
0406522915 No Comment  CD dated XXX stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $36624.65  amount calculated is $35929.65 less $695.00 amount paid by borrow before closing.  (No Data) (No Data)
0406522915 No Lender Approved Exception for the Maximum Cash out exceeding $350,000.  Compensating factors include LTV is 47.51%; max allowed per guidelines is 70%, 772 qualifying score. Min required per guidelines is 720 and Reserves $186,626.06 or 21.33 months PITIA , guidelines require 18 months. Clayton considers non-material.   (No Data) (No Data)
0406522915 No Lender Approved Exception for Alternative Vesting; Legal department approved the transaction to close as XXX LLC with borrower signing the Note, Security Instrument and riders "By XXX".  The Note is present and properly signed, however the signature page of the mortgage is missing.  Compensating factors include LTV is 47.51%; max allowed per guidelines is 70%, 772 qualifying score. Min required per guidelines is 720 and Reserves $186,626.06 or 21.33 months PITIA , guidelines require 18 months. Clayton considers non-material.   (No Data) (No Data)
0284969463        
0985638788 No Final CD XXX only reflects $1.00 XXX Commission fee for the Borrower paid by the seller, unable to determine per the purchase contract if seller did not pay any additional fees and Seller CD was not provided. (No Data) (No Data)
0985638788 No Property is a high rise condo under construction at the time of the appraisal 05/01/2019 with no units actually finished.  Missing completion cert or final appraisal to show completion at the time of closing. (Appraiser noted missing cert of Occupancy) 6.28.19 - Client responded. See attached Cert of Occupancy that the underwriter used for the final inspection.  Underwriter noted appraisal "photos support that the property is in a completed state." 6.28.19 - Exception satisfied. 
0106413640        
0702611325        
0154129695 No CD: XXX [Last CD], Section: Other Costs, Message: Missing Fee in Section H.Other, Field: Fee Name, Value: Real Estate Commission[S] not showing real estate broker seller commission. (No Data) (No Data)
0154129695 No Lender approved exception for use of business funds for remainder of required minimum PCL.   Borrower has 10.81 months PCL reserves from personal assets and remainder to come from business funds to make up the required 12 months PCL reserves.  Comp factors include:  Hi level of residual income remaining after all monthly debt, 33% downpayment, Low DTI.  Clayton considers as non material based upon the compensating factors. (No Data) (No Data)
0495487504 No Seller paid Real Estate fees to the seller's agent are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0426498562        
0554142674 No Loan application date is XX/XX/XXXX. B1 is a first homebuyer and pays monthly rents of $1800. The loan file consists a copy of a rental history from XXX accounts from11/24/2017 through 4/2019. The loan file is missing proof of rent payment for 12/2018. Must have 12 months consecutive proof of rental history.   (No Data) (No Data)
0738433473 No Missing correct lease agreement to match lenders rental income used.Missing information regarding other property listed on tax returns that was not listed on application.  7.26.19 - Client responded. "Per lender's credit policy, lease agreements are not required to validate rental income if rental management experience and income history is verified with the most recent two years 1040s.  Three rental properties were disclosed: XXX; XXX; and XXX. Since all three properties are reflected on the prior two years 1040s, current leases are not required. Rental cashflow is calculated using the net income from the most recent Schedule E (2017), adding back depreciation, interest, taxes, insurance, and HOA and subtracting the rental property mortgage payment. The fourth rental property reflected on Schedule E (XXX) was sold in 2017; copy of warranty deed attached along with copies of 2016 and 2017 1040 Schedule E.7.26.19 - Clayton has reviewed and agrees.  7.26.19 - Exception satisfied. 
0738433473 No 3.19% DTI exception - Review DTI 44.76% and lenders DTI 41.57% due to missing updated lease agreement to match rental income used by lender. 7.26.19 - Client responded. "Per lender's credit policy, lease agreements are not required to validate rental income if rental management experience and income history is verified with the most recent two years 1040s. Lender's DTI of 41.57% was calculated using net rental income from 2017 1040 Schedule E, not lease agreements. 7.26.19 - Exception satisfied. 
0738433473 No 1) Missing lease agreement for $1350 for rental #1 - Lease in file for $1150;2)  Missing copy of lease agreement for $1,380 - Lease agreement in file for $6753) Missing lease agreement for $1475 - Lease agreement in file for $1450 7.26.19 - Client responded. "Per lender's credit policy, lease agreements are not required to validate rental income if rental management experience and income history is verified with the most recent two years 1040s (see attached). 7.26.19 - Exception satisfied. 
0738433473 No Missing information regarding rental property listed on tax returns of XXX; Property was not listed on application. No information for property in file. 7.26.19 - Client responded. "Additional rental property reflected on Schedule E (XXX) was sold in 2017; copy of warranty deed is attached  7.26.19 - Exception satisfied. 
0947978154 No Final CD XXX:  Seller Recording fees missing from Borrower CD (No Data) (No Data)
0947978154 No Approved Lender Exception for Unacceptable Property. Subject property has an in-law suite and comps do not possess in-law suites.  (No Data) 6.26.19 - Clayton considers non-material based on compensating factors of reserves in excess of $500K, stable employment for both borrowers, and low DTI ratio of 26.03%.
0537210073 No Final CD: XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0214108704 No Final CD:XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) 07/12/2019:  Satisfied
0082077831        
0869179023        
0943331316        
0896819792        
0046679319 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD. Exception Satisfied.   (No Data) (No Data)
0046679319 No Credit report dated XX/XX/XXXX is aged 128 days from Note date XXX.  Per guidelines Credit documents maximum age 120 days old.  6.27.19 - Client responded. Per lender guidelines, a 10-day variance is allowed. Decisioning logic: borrowers have demonstrated the willingness to repay as supported by good credit history, credit depth and low revolving usage. The borrowers have a well-established savings history and high residual income. 6.27.19 - Exception satisfied. 
0375962694        
0685984761        
0031815283 No CDs issued XXX have prepaid interest of $62.42 daily. Interest paid for 6/7 to 6/30 for $1498.08. Data input as shown. 7.1.19 - Client responded. Disagree:  CD executed by borrowers at consummation reflects accurate per diem and prepaid interest of $1498.08. 7.1.19 - Exception satisfied. 
0850402179        
0168964563 No Missing documentation supporting taxes, insurance and HOA (if applicable) for primary residence.  Screen shot in file discloses loan payment includes P&I only.  7.26.19 - Client responded. "Lender's online payoff services website (screenshot) reflects monthly PI payment of $4,939.50; annual taxes of $21,215.46 (2 installments @ $10,607.73) and annual hazard insurance premium $1,256.  Total monthly PITI is $6,812.13. 7.26.19 - Exception satisfied. 
0168964563 No The final CD: XXX, has a Finance Charge of $359,767.56, and system calculation of $360,392.56, for a difference of ($625.00).The final post close CD: XXX, tested as the final CD, has a Finance Charge of $359,844.66, and system calculation matches. Exception satisfied.  (No Data) (No Data)
0168964563 No CD: XXX [Last CD], Loan Calculations, Amount Financed, $499,578.84; Amount Financed as Calculated, $498,953.84. Difference is $625.00, due to Rate Extension Fee added to final post close CD: XXX.  Exception satisfied.  (No Data) (No Data)
0168964563 No Missing documentation supporting taxes, insurance and HOA (if applicable) for primary residence.  Screen shot in file discloses loan payment includes P&I only.  7.26.19 - Client responded. "Lender's online payoff services website (screenshot) reflects monthly PI payment of $4,939.50; annual taxes of $21,215.46 (2 installments @ $10,607.73) and annual hazard insurance premium $1,256.  Total monthly PITI is $6,812.13. 7.26.19 - Exception satisfied. 
0168964563 No Verbal VOE in file dated 04/30/2019 is more than 20 business days prior to XXX note date. 7.26.19 - Client responded. "Verbal VOE dated 04/30/2019 was completed XX business days prior to note dated XXX.  XX/XX/XXXX was a federal holiday and not considered a business day by lender. 7.26.19 - Exception satisfied. 
0445116363        
0459994776        
0271776638        
0499905695        
0158666868        
0355956948        
0400280022        
0027728627        
0878548977        
0275335233 No Lender approved exception for No mortgage/ rental payment history. Compensating factors include DTI is 22.47%, max per guidelines is 43%, 808 qualifying score. Min required per guidelines is 680 and Post close reserves are $80,746.08 or 20.18 months. Guidelines require 12 months PITIA. Clayton considers non-material. (No Data) (No Data)
0897587662        
0528616841        
0758866918 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed. Seller CD is in file. Exception satisfied. (No Data) (No Data)
0243087236        
0395274033 No CD XXX Closing Costs financed (paid from you loan amount) value is $XXX. Review calculates total to be $XXX. Please provide a PCCD that reflects accurate closing costs financed, LOX, and verification of shipping. (No Data) (No Data)
0395274033 No Property Value not supported by Desk Review.  Desk Review (XXX) dated XXX with value of $XXXXXX does not support appraisal value dated 5/16/19 for $XXXXXX. Variance -XX% 7.23.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.23.19 - Exception satisfied.
0848367948        
0948435723 No Lender approved exception for project approval.  Project currently has re-sale restrictions. Regulatory agreement is present in XXX of housing in regards to low income and sale price restrictions for large portions of the units.  Lender considered Co-op board initiated dissolution of the regulatory agreement currently in process that would eliminate the re-sale restrictions and make it free-market housing cooperative. Offset is strong reserves and over  12 million available capital for renovations.  (No Data) 8.12.19 - Clayton considers non-material based on Compensating factors include; 801 qualifying score. Min required per guidelines is 680, Verified cash reserves  $228,443.78or 55.33 months, guidelines require 12 months PITIA and DTI is 20.16%, max per guidelines is 43%.
0777569679        
0274863615        
0480915856 No Seller CD and Borrower Final CD provided but only Seller CD reflects Real Estate Commissions.  (No Data) (No Data)
0441563937 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD, Exception satisfied (No Data) (No Data)
0585140082 No Seller Paid fees appear on the Seller CD and not the Final CD XXX: commission, Investment Management Fee, Real Estate Commission to Buyers and Sellers Agent, Wire Fee.  Exception Satisfied. (No Data) (No Data)
0503991169        
0768579599 No LE XX/XX/XXXX is not signed; CD XXX signed XXX (No Data) (No Data)
0933160225 No Missing verification of rental history 0x30 last 12 months. (No Data) (No Data)
0476736800 No Verbal verification of employment missing dated within 20 business days of Note date XXX. 7.8.19 - Client responded. The borrower is a limited/domestic partner (XXX) at XXX LLC with .337% ownership as supported by the Schedule K-1. Existence of borrower employment and contact information attached (pg 1). 7.8.19 - Exception satisfied.
0476736800 No Seller-paid; XXX is not disclosed in Section H of Borrower Final CD XXX. Exception satisfied.  (No Data) (No Data)
0476736800 No Verbal verification of employment missing dated within 20 business days of Note date XXX. Based on compensating factors of 23.02% DTI, 775 qual score, 22months reserves, Clayton considers non-material.  7.8.19 - Client responded. The borrower is a limited/domestic partner (XXX) at XXX with .337% ownership as supported by the Schedule K-1. Existence of borrower employment and contact information attached (pg 1). 7.8.19 - Exception satisfied.
0653332195        
0994233608 No Written List of Providers not provided. (No Data) (No Data)
0994233608 No Seller-paid Fee (Seller Paid Commission) that should be disclosed in Section H is not disclosed. (No Data) (No Data)
0994233608 No Numeric Non-Material Error: Final CD XXX Other Costs the amounts for Prepaid Interest are inconsistent. 7.1.19 - Client responded. Disagree:  CD executed by borrowers at consummation reflects accurate per diem and prepaid interest of $1314.96. 7.1.19 - Exception satisfied. 
0629093328 No Exclusion of PITIA for XXX for $2597 (departing Residence).  The inclusion of the PITIA will exceed QM 43% DTI. 7.23.19 - Client responded. "Per lender's proprietary policy, an exception is available to exclude the departure residence payment from the DTI ratio if the departure residence is pending sale but will not  close prior to the closing date of the new primary residence mortgage. A copy of the executed non-contingent sales contract is required and the borrower must meet reserve requirements for both mortgages (12 months PITI on both = $193,479).  Lender approved the exception based on total liquid assets after closing of $989,556; notes indicate assets are also sufficient to payoff the departure residence mortgage (XXX) in full.  Copy non-contingent purchase contract and earnest money deposit attached. 7.23.19 - Exception satisfied.
0629093328 No Cd XXX and XXX: Other costs screen:Section E:  Fee's are not itmemized for recording fees. Provide a Lox and PCCD with the correct information provided within 60 days of consummation.  (No Data) (No Data)
0629093328 No Lender Approved Exception in file for Departing residence $2597 excluded from DTI  -Less than 12 month seasoning. Compensating factors include: 767 qualifying score. Min required per guidelines is 680, LTV 51.286%; max allowed per guidelines is 80% and Post close reserves are $990,893.79 or 84.90 months. Guidelines require 12 months PITIA. Clayton considers non-material.  (No Data) (No Data)
0914511757 No CD dated XXX stated Closing Costs Financed (Paid from Your Loan Amount) on the CD Calculating Cash to Close section (Alt Version) reflects $8523.56 amount calculated is $7888.13 less $635.43 amount paid by borrow before closing.  (No Data) (No Data)
0914511757 No Lender approved exception for LTV 5% above required 70% LTV for a Cash Out. Compensating factors include,  Borrowers are financially sound, Verified cash reserves $121,439.93 or 21.38  months, guidelines require 12 months PITIA,  Both borrowers have been employed over 6 years, DTI is 26.28%, max per guidelines is 43%.. Clayton considers non-material.  (No Data) (No Data)
0638978391 No Seller-paid fees not on Borrower's Final CD: XXX, but on the Seller's CD: XXX. Fees include: Title - Settlement Agent Fee (Loan Costs, C. Services Borrower Did Shop For), and (under Other Costs, H. Other) M-1 Docs to Document Services of XXXXXX, and Title - Attorney Doc Prep Fee. Exception satisfied.  (No Data) (No Data)
0638978391 No Missing documentation supporting that $136,000 was received from the sale of employer issued stock.  Funds were used for closing and reserves. 8.13.19 - Client responded. XXX account statement 5/31/19 (pg 7) reflects the sale/liquidation of 530 shares of XXX stock 5/28/19. After completion of the sale, funds were deposited to an XXX Extended XXX Deposit Account (XXX) 5/30/19 in the amount of $136,895.96 (pg 8). XXX account statement sufficient per guideline requirements (attached). 8.13.19 - Exception satisfied. 
0638978391 No Missing fully executed copy of the Operating Agreement or Limited Liability Comp;any Agreement and amendments, if any.  Per guidelines, if no Operating Agreement exists, members must sign a letter stating that no Operating Agreement exists.  File contained Certification and Agreement and the Articles of Incorporation. 8.13.19 - Articles of Organization, Certification and Agreement LLC, and Certificate of Good Standing for XXXXXX attached. Documentation sufficient to ascertain the LLC met lender requirements for title vesting in an LLC (ownership interest, purpose, and duration). LVAM approved tracking (exception) - LLC. Tracking approved under the PCO delegated authority. 8.13.19 - Exception satisfied. 
0638978391 No Lender approved exception in file for vesting in name of LLC. Compensating factors include; Borrower has resided in current owner occupied residence for 10 years,  Borrower has been employed for 10 years,810 qualifying score. Min required per guidelines is 680 and Post close reserves are $281,104.06 or 70.21 months PITIA, guidelines requires 12 months reserves. XXX considers non-material. (No Data) (No Data)
0228718271 No Numeric Material Error: Final CD XXX Loan Disclosures; Escrow Account; Escrowed Property Costs over Year 1 states "Flood Insurance" which is inconsistent with the Projected Payments section. Flood Insurance is missing. 7.22.19 - Client responded.  Disagree with investor.  Homeowner's Insurance indicator in the CD Projected Payments section covers all types of homeowner's insurance including hazard, flood and wind.  For this loan, escrow includes flood insurance of $77.40 a month as required and excludes hazard insurance as it was not required nor elected to be included by the customer.  Hazard insurance is appropriately included in Non-Escrowed Property Costs over Year 1 as it was not required nor elected to be included by the customer.  This is not a defect so no corrective action is required. 7.22.19 - Exception satisfied. 
0263510253 No Provide proof of the  hazard insurance  and any association dues for the property located at XXX, Only the proof of property taxes are in file totaling $1234.93 per month.  Used $5698.72 PITIA from application to qualify. 8.8.19 - Client responded. Verification of hazard insurance for property XXX, $1739/12 = $144.92 monthly. PITI payment  $5699.31 = 4319.59 + 1234.80 (taxes) + 144.92 (insur). There are no association dues. 3 attachments to verify monthly PITI payment for non-subject property. 8.8.19 - Exception satisfied.
0263510253 No Affiliate Business Disclosure was unavailable at the time of review. (No Data) (No Data)
0263510253 No Provide proof of the  hazard insurance  and any association dues for the property located at XXX, Only the proof of property taxes are in file totaling $1234.93 per month.  Used $5698.72 PITIA from application to qualify. 8.8.19 - Client responded. Verification of hazard insurance for property XXX, $1739/12 = $144.92 monthly. PITI payment  $5699.31 = 4319.59 + 1234.80 (taxes) + 144.92 (insur). There are no association dues. 3 attachments to verify monthly PITI payment for non-subject property. 8.8.19 - Exception satisfied.
0263510253 No Missing the VVOE for B1 within 30 days prior to the Note date XXX.  The verification of XXX employment is dated 07/08/2019. Per lender guidelines,  Lender guidelines indicate Verbal Verification of Employment (VVOE) within 30 days from the closing date is required. (No Data) (No Data)
0879668281        
0872538885 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1298.42 CD: XXX [Last CD], Section: Calculating Cash to Close, Field:Clayton Calculation, Value: 662.99. Difference is POC's of $635.43.  (No Data) (No Data)
0771539626        
0354685443 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1891.75 CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1661.32. Difference is POC's of $230.43.  (No Data) (No Data)
0343598941 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3724.80CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3114.37. Difference is POC's of 610.43.  (No Data) (No Data)
0982821183 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13013.79CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 12395.36. Difference is POC's of $618.43.  (No Data) (No Data)
0701012494 No No inspection since the XX/XX/XXXX and effective date XX/XX/XXXX.  Fema Disaster- XXXXXX.  Property Inspection required  (No Data) (No Data)
0701012494 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.31.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.31.19 - Exception satisfied.
0682930912 No Missing fully completed MA Borrower Interest Worksheet signed by borrower. 7.11.19 - Client responded. Disagree. MA Borrower Interest Worksheet not required. APR of 3.875% on consummation CD does not exceed the US Treasury yield of 3.000% by more than 2.5 percentage points. 7.11.19 - Exception satisfied. 
0422642246 No Lender approved exception in file for more than 4 financed properties.  Compensating factors include; 775 qualifying score. Min required per guidelines is 680, Post close reserves are $1,198,372.25 or 203.91 months, guidelines require 12 months PITIA and  DTI is 22.97%, max per guidelines is 43%. Clayton considers non-material. (No Data) (No Data)
0287535549 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 18875.29CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 17605.54. Difference is POC's of $1269.75.  (No Data) (No Data)
0287535549 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  8.5.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.5.19 - Exception satisfied.
0902137591 No Missing verification of HOA in the amount $218.76 for REO on XXX listed on the final 1003 Schedule of REO. 6.25.19 - Client responded. No HOA was associated for REO on XXX. Regular monthly PITI payment is $2105.08 to include escrow for taxes and insurance. The amount of $218.76 on the final 1003 was calculated from the annual insurance 577/12 = 48.09 + annual taxes 2048/12 = 170.67 already included in the monthly mortgage payment. XXXXXX mortgage statement, homeowners insurance and property details report (taxes) attached.  6.25.19 - Exception satisfied. 
0902137591 No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. Lender has $5396.24, however actual calculation is $4917.07. Closing costs $5447.50 - POC $530.43 = $4917.07. (No Data) (No Data)
0902137591 No Missing verification of HOA in the amount $218.76 for REO on XXX listed on the final 1003 Schedule of REO. 6.25.19 - Client responded. No HOA was associated for REO on XXX Regular monthly PITI payment is $2105.08 to include escrow for taxes and insurance. The amount of $218.76 on the final 1003 was calculated from the annual insurance 577/12 = 48.09 + annual taxes 2048/12 = 170.67 already included in the monthly mortgage payment. XXXXXX mortgage statement, homeowners insurance and property details report (taxes) attached.  6.25.19 - Exception satisfied. 
0234317300 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 301.41CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 0.00 (No Data) (No Data)
0234317300 No 1.  Missing legible copies of all 2018 W2s and final 2018 K1 from  XXX (k1 in file is draft and LOX states income is considerably less). 7.26.19 - Client responded. """Borrower is employed as a XXX with XXX since 3-12-2018 per offer letter and verbal VOE in file annual earnings of $850,000.  The 2018 K-1 draft was provided to estimate quarterly tax payments; the letter referred to with lower earnings dated 3-12-2018 reflects earnings from his start date (3-12-2018) to the end of the fiscal year (6-29-2018).  Loan application was taken XX/XX/XXXX prior to the deadline to file 2018 taxes/extension so the final K-1 was not available. 2018 W-2s submitted are from borrower's prior employer, XXX. and copy quality is poor.  Since these documents were used to support employment history and not verify qualifying income, additional documentation was not pursued.  Copies of income documents referenced are attached along checks representing partial draws received. 7.26.19 - Exception satisfied. 
0893461510 No Missing two  consecutive month's bank statements for XXX account.  Only the 02/28/2019 statement provided and funds are required for reserves.   7.23.19 - Client responded. "Asset statements for the XXX account were not required as no reserves were required for transaction.  Per lender's credit policy, the post close liquidity requirement may be waived for rate/term refinances of existing XXX HFI loans that lower the borrower's monthly mortgage payment.  Copy of lender's verification of HFI status, online verification of existing P&I payment ($3345.20) and new note verifying monthly P&I payment ($3120.09) resulting in monthly reduction of $225.11 attached. 7.23.19 - Exception satisfied.
0612868538        
0671852383        
0258280881        
0863375550 No Per QM requirement - Missing verification of exact monthly HOA dues for non-subject property XXX 6.25.19 - Client responded. Underwriting notes, borrower HOA explanation and XXX bank statement attached to support exact monthly HOA dues used in underwriting for non-subject property XXX (2 attachments). 2500 + 1409.52 = 3909.52/6 = $651.59 monthly HOA. 6.25.19 - Exception satisfied. 
0863375550 No Missing verification of exact monthly HOA dues for non-subject property XXX 6.25.19 - Client responded. Underwriting notes, borrower HOA explanation and XXX bank statement attached to support exact monthly HOA dues used in underwriting for non-subject property XXX (2 attachments). 2500 + 1409.52 = 3909.52/6 = $651.59 monthly HOA. 6.25.19 - Exception satisfied. 
0863375550 No Lender approved exception for Less than 2 years Landlord Experience. Lender used rental income to qualify. Clayton considers non-material based on compensating factors of low LTV at 53.75%, reserves in excess of 200k over what is required and loan term/stable employment.  (No Data) (No Data)
0863375550 No Missing verification of employment dated within 20 days prior to Note date for co-borrower. VVOE in file dated 5/2/2019. Note date XXX (No Data) (No Data)
0863375550 No FEMA disaster #XXXX effective date XX/XX/XXXX and declaration date XX/XX/XXXX and #XXXX effective date XX/XX/XXXX and declaration date XX/XX/XXXX. No subsequent inspection. Appraisal dated XX/XX/XXXX. Note dated XXX (No Data) (No Data)
0711003101 No Final CD XXX CCTC Table Closing Costs Financed shows $10,187.78. Clayton Calculation is $9692.35. (No Data) (No Data)
0846370757 No LE: XX/XX/XXX, Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -3923.00 and CD: XXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX. Values do not match.  LE dated XX/XX/XXX is not listed on Disclosure Data spreadsheet.  Requires LOX as to if the LE is valid and should be used.  Value from LE dated XX/XX/XXX matches Value on initial CD dated XXX. 7.17.19 - Client responded. Disagree with investor.  LE with issue date XX/XX/XXX is not a XXX Loan Estimate.   Issued by XXX. 7.17.19 - Exception satisfied.
0846370757 No LE: XX/XX/XXX, Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: $8,379.00 and CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX. Values dot match.  Requires LOX as to if the LE is valid and should be used.  Value from LE dated XX/XX/XXX matches Value on initial CD dated XXX. 7.17.19 - Client responded. Disagree with investor.  LE with issue date XX/XX/XXX is not a XXX Loan Estimate.   Issued by XXX. 7.17.19 - Exception satisfied.
0846370757 No LE: XX/XX/XXX, Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -$775456.00 and CD: XXX, Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: XXX. Values do not match.  Requires LOX as to if the LE is valid and should be used.  Value from LE dated XX/XX/XXX matches Value on initial CD dated XXX. 7.17.19 - Client responded. Disagree with investor.  LE with issue date XX/XX/XXX is not a XXX Loan Estimate.   Issued by XXX. 7.17.19 - Exception satisfied.
0846370757 No LE dated XX/XX/XXX is not listed on the Disclosure Data spreadsheet.  Additionally, Initial CD was issued 1 day earlier on XXX and was e-signed.  Requires LOX for dates. 7.17.19 - Client responded. Disagree with investor.  LE with issue date XX/XX/XXX is not a XXX Loan Estimate.   Issued by XXX. 7.17.19 - Exception satisfied.
0681570651        
0798089228        
0372361538 No Document was not available at the time of review. (No Data) (No Data)
0022322896        
0342712039        
0433602212 No Cd XXX: Calculating cash to close screen: closing costs financed (paid from your loan amount final total of $1747.52 does not match reviewed total of $483.95. 7.11.19 - Client responded. Agree:  Calculating Cash to Close table >  Closing Cost Financed includes amounts paid before closing.  Closing cost financed should be $483.95.  Requesting post consummation CD to remedy error.9.10.19 - Client responded. See attached PC CD. 7.11.19 - Exception remains. 9.10.19 - Exception satisfied. 
0725901400 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4413.89CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3903.46.  Difference is inclusion of POC. (No Data) (No Data)
0725901400 No Lender Approved Exception in file for title change less than 6 mos. With cash out. Compensating factors include: 795 qualifying score. Min required per guidelines is 720, LTV 51.286%; max allowed per guidelines is 80% and Post close reserves are $88,600.03 or 33.86 months. Guidelines require 12 months PITIA. Clayton considers non-material. (No Data) (No Data)
0333201747 No The VVOE for each borrower dated 4/23/19 is not within 20 business days of Note date XXX (No Data) (No Data)
0296518793 No Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor.  Requires LOX, PCCD, NORTC and proof of delivery. (No Data) (No Data)
0713300506 No LE: XX/XX/XXXX, Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: -$592,619.00 and CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: $191.00. Value do not match. Requires PCCD. (No Data) (No Data)
0713300506 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2248.11CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 1950.05.  Difference is POC. (No Data) (No Data)
0852829920 No Numeric Non-Material Error: Final CD XXX The stated Closing Costs Financed $1,136.05 (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount $1,120.62 based on the Reg's formula.  (No Data) (No Data)
0852829920 No LE XX/XX/XXXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative -645 rather than positive 645 . (No Data) (No Data)
0915285605 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2490.26CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 2008.85. Difference is POC's of $481.41.   (No Data) (No Data)
0915285605 No Lender approved exception for Vesting In LLC.  Compensating factors for approval are; The two borrowers have executed the XXX Certification and XXX on 5/25/2019 which is imaged. Leasing of subject supports meets second home occupancy requirements), and there is no indication the LLC is a XXXXXX business. Lease agreements indicate members will have nonexclusive use and enjoyment...Meets the definition of a second home and the fulfillment underwriter did not use rents from subject property to qualify. No other second homes owned.  Based on 27.77% DTI, 787 qual score, 167 mo. reserves and $24k/mo. residual income, XXX considers non-material.  (No Data) (No Data)
0103233966 No Numeric Non-Material LE XX/XX/XXXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. (No Data) (No Data)
0241215325 No Affiliate Business Disclosure not in file (No Data) (No Data)
0057354728 No CD XXX: Section: Other Costs Section H: Missing Fee - Real Estate Commission[S]. Exception satisfied.  (No Data) 6/21/2019: Exception satisfied. 
0872081541        
0154450608        
0977457118 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.   9.23.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  9.23.19 - Exception satisfied.
0972057825 No Tested Post Close CD dated XXX  Amount Financed in the amount of $504,153.33 matches review calculation of $504,153.33.    Exception satisfied (No Data) (No Data)
0546858911        
0041376163 No Missing evidence of retained departure residence REO P&I/Haz payments. 7.8.19 - Client responded. 1- February - May (4 months) XXX statements/transaction history to verify monthly housing expenses for departure residence attached. Monthly housing payment $800, monthly hazard insurance premium $81.25 and monthly HOA $467.89.  2- Tax bill information for departure residence attached, 11212.14/12 = $934.35 monthly. 7.8.19 - Exception satisfied.
0041376163 No Missing a complete 2 months of XXX account statements using $504,560.29 from account ending in XXXX.  Based on 18.71% DTI, $49k/mo. residual income, Clayton considers non-material.  7.8.19 - Client responded. Complete 2 months activity for XXX attached; Financial Activity Transcript from 3/23/19 - 5/21/19. Prior to 5/13/19 there was a $0 balance. 7.8.19 - Exception satisfied.
0041376163 No Missing evidence of 12 months of  housing payment history for the borrowers' departure residence.   7.8.19 - Client responded. 1- Letter of explanation for the borrowers' departure residence attached.  2- Borrower's Final Settlement Statement for departure residence attached.  3- Deed of Trust with Assignments of Rents attached.  4- February - May (4 months) XXX statements/transaction history to verify $800 monthly housing payment attached. Per lender guidelines, underwriter has judgment regarding the number of monthly payments verified. 7.8.19 - Exception satisfied.
0041376163 No Missing evidence of retained departure residence REO P&I/Haz payments.  Based on DTI of 18.71% and $49K/mo in residual income, Clayton considers non-material.   7.8.19 - Client responded. 1- February - May (4 months) XXX statements/transaction history to verify monthly housing expenses for departure residence attached. Monthly housing payment $800, monthly hazard insurance premium $81.25 and monthly HOA $467.89.  2- Tax bill information for departure residence attached, 11212.14/12 = $934.35 monthly. 7.8.19 - Exception satisfied.
0729568430 No Seller-Paid fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. 06/23/2019 Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation (No Data) (No Data)
0472501342 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 7.3.19 - Client responded. Disagree. 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar. 7.3.19 - Exception satisfied. 
0472501342 No Final CD XXX The stated Closing Costs Financed  $3,723.88 (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount $3,088.45 based on the Reg's formula.  (No Data) (No Data)
0472501342 No Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, authorization signed by borrowers. 7.3.19 - Client responded. Final Title provided to reflect HELOC paid in full.  7.3.19 - Exception satisfied. 
0247468142 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed including a seller credit of $17,450 per Seller CD. Exception satisfied  (No Data) Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation
0445239846 No CD XXX: Seller paid fees disclosed on the seller's CD are not disclosed on the borrower's CD. (Title-Notary Fee $60.00 & Natural Hazard Disclosure Report $95.00). Exception satisfied.  (No Data) (No Data)
0445239846 No Ten tolerance of $117.00. Cure of $108.70. Need evidence of change of circumstance letter or a corrected PCCD, copy of a refundable check in the amount of $8.30 for increase in recording fee, LOX and copy of shipping. 7.12.19 - Client responded. Disagree: Recording fees increased $117 (10% over tolerance amount is $108.70).  Increase was covered by the $108.70 Over Tolerance Cure located in Section J of the consummation CD.  This is not a testing defect so corrective action is not required. 7.12.19 - Exception satisfied. 
0841874439        
0776709794        
0253059770 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1854.56CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1159.56. Difference is POC's of $695.  (No Data) (No Data)
0253059770 No Initial CD issue date is XXX, confirmed receipt date was XXX and closing date is XXX. Receipt date not within 3 days of closing as required.  7.31.19 - Client responded. Disagree.  Initial CD #XXX with issue date XXX was issued on XXX with presumed delivery on XXX.   Loan closing on XXX meets timing requirements.  see attached doc tracking and initial CD. 7.31.19 - Exception satisfied.
0253059770 No Trust documents are not present in the file. Executed XXX Certification of Trust dated 6/14/19 provided. 7.29.19 - Client responded. Trust Certification is allowed in certain states in lieu of Attorney Opinion Letter or Trust Documentation. See page 53 of 414 of Retail Non-Agency Guidelines as well as attached state list referenced in the guidelines. Trust Certification is allowable in California. 7.29.19 - Exception satisfied.
0303721937 No CD XXX Closing Costs financed (paid from you loan amount) value is $21,392.50. Review calculates total to be $20,892.07. Difference id POC.  (No Data) (No Data)
0462691832 No Ten percent tolerance for $250 .00 for increase in Recording Fees and Other Taxes. Missing COC or Post Close CD with refund check to borrower. 8.7.19 - Client responded. Disagree. Recording Fee decreased from $403.00 on initial LE issued XX/XX/XXXX to $250.00 on consummation CD issued XXX. This resulted in a decrease in the Recording Fees at consummation. This is not a testing defect so no corrective action is required. 8.7.19 - Exception satisfied. 
0462691832 No Final CD XXX, Projected Payments, Section is Homeowners Insurance in escrow?, option selected was """"Yes"""", this does not match Loan Disclosures, Section: Escrow Property Cost over Year 1 of $10,260.24(no options were provided) 8.7.19 - Client responded. Disagree.  Homeowner's Insurance indicator in the CD Projected Payments section covers all types of homeowner's insurance including hazard, flood and walls-in(HO6).  For this loan, escrow includes HO6 insurance of $81.58 a month as required. HO6 or walls-in coverage is appropriately included in Non-Escrowed Property Costs over Year 1 for this condominium property. This is not a defect so no corrective action is required. 8.7.19 - Exception satisfied. 
0381873097 No Missing 2018 Balance Sheet for Sched C XXX employed borrower income being used to qualify.  7.9.19 - Client responded. A 2018 Balance Sheet was not required for the Schedule C income used to qualify. Borrower is XXX and paid on 1099. Business address on the Schedule C is the physical address of XXX. 2017, 2018 tax returns (and 1099s) provided with 2019 year-to-date income. 7.9.19 - Exception satisfied.
0381873097 No Final CD disclosed finance charges of $344,756.97 per review pay stream calculations, finance charges are $344,811.97, resulting in understated finance charges of $55.00. Corrected on PCCD XXX.Exception satisfied (No Data) (No Data)
0381873097 No CD: XXX Section: Loan Calculations - Amount Financed is $490,030.35 per review calculations are $489,975.35. Corrected on PCCD XXX. Exception satisfied (No Data) (No Data)
0381873097 No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has $9876.31 actual calculation $9349.88 closing costs $9876.31 - POC $526.43 = $9349.88 (No Data) (No Data)
0808671633        
0695025282 No The desk review value $XXXXXX did not support the appraised value $XXXXXX giving a  -XX% variance, Field Review is required. 7.17.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.17.19 - Exception satisfied.
0824615047        
0012746456 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value:XXXCD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC's of $XXX (No Data) (No Data)
0012746456 No Missing executed subordination agreement for HELOC.  HELOC was paid down and remains open. 7.16.19 - Client responded. See attached Subordination Agreement. 7.16.19 - Exception satisfied.
0012746456 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.16.19- A Field review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.16.19 - Exception satisfied.
0919358635 No The LE column in the cash to close section of the CD XXX has  $0 for deposit and LE XX/XX/XXXX has $25,000, corrected on PCCD XXX, Exception Satisfied (No Data) (No Data)
0919358635 No  Seller Credits in the LE column of the CD's Calculating Cash to Close table on CD XXX in file reflects is$-2420.00; the amount of the Seller Credits on the last LE in file dated XX/XX/XXXX reflects -$-64462. , corrected on PCCD XXX, Exception satisfied.  (No Data) (No Data)
0919358635 No  PCCD XXX The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE XX/XX/XXXX, corrected on PCCD XXX, Exception Satisfied  (No Data) (No Data)
0919358635 No PCCD XXX The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE XX/XX/XXXX, corrected on PCCD XXX, Exception Satisfied (No Data) (No Data)
0919358635 No Adjustments and Other Credits in the LE column of the CD XXX Calculating Cash to Close table is different from the value disclosed on the last LE XX/XX/XXXX., corrected on PCCD XXX, Exception Satisfied (No Data) (No Data)
0030034502 No Lender approved exception for insufficient PCL. Loan amount $XXX.  Per guidelines reserve/PCL requirements for primary residence loan amount $2-4 million 24 months PITI required.  Borrower has 15.81 months reserves. Compensating factors are PCL shortage is likely to be short term with amount of residual income available to rebuild savings. satisfactory appraisal.  CRT review of appraisal finds no red flags. Value is well supported by recent and proximate sales. Value was higher than the estimate coming in at $XXXXXX and reducing LTV and file risk further to 48.160%.  DTI is now 29.69% max per guidelines is 43%,.  File changes are acceptable and file risk remains in balance and sufficiently offset.  Variances remain approved. Clayton considers non-material. (No Data) (No Data)
0822855264 No Missing 2017 W2 for co-borrower.  Documentation is insufficient to demonstrate a two-year history of receipt of overtime income.  Guidelines require demonstration of a two year history of receipt with either most recent YTD pay stubs, two years of W2s or written VOE.  Overtime income calculated by lender was used to qualify. 7.23.19 - Client responded. "Co-borrower's qualifying income from XXX was calculated using hourly rate ($35.00) and number of hours worked (53.07) from the most recent bi-weekly paystub dated 03/20/2019 ($35x53.07x26/12 = $4024.48); no overtime income was used to qualify.  Based on borrower's start date of 2/1/2018, there is no 2017 W-2 for XXX; the 2017 W-2 from prior employer was obtained to establish a two-year employment history.  Verbal VOE confirming start date, most recent paystub and 2018 W-2 attached along with lender's income calculation for co-borrower. 7.23.19 - Exception satisfied.
0822855264 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 14693.73CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 14193.30.  Difference is inclusion of POC. (No Data) (No Data)
0822855264 No Lender Approve Exception:  Short 3.37 month PCL Reserves.   7.23.19 - Client responded. "Lender approved available exception for insufficient liquid assets to meet reserve requirements.  Exception approval noted multiple compensating factors, including gross retirement assets of $475k. 7.23.19 - Clayton considers non-material based on Compensating factors are Gross Retirement $475K with XXX; B1 has 20 years with XXX; Residual income $10K per month; and payment reducing $300 a month.  7.23.19 - Exception remains. 
0822855264 No Missing 2017 W2 for co-borrower.  Documentation is insufficient to demonstrate a two-year history of receipt of overtime income.  Guidelines require demonstration of a two year history of receipt with either most recent YTD pay stubs, two years of W2s or written VOE.  Overtime income calculated by lender was used to qualify. 7.23.19 - Client responded. "Co-borrower's qualifying income from XXX was calculated using hourly rate ($35.00) and number of hours worked (53.07) from the most recent bi-weekly paystub dated 03/20/2019 ($35x53.07x26/12 = $4024.48); no overtime income was used to qualify.  Based on borrower's start date of 2/1/2018, there is no 2017 W-2 for XXX; the 2017 W-2 from prior employer was obtained to establish a two-year employment history.  Verbal VOE confirming start date, most recent paystub and 2018 W-2 attached along with lender's income calculation for co-borrower. 7.23.19 - Exception satisfied.
0577062529        
0550614052 No Final CD: XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0946931186 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $15,941.46.  The Clayton calculated value is $15,302.03.  The difference is the amount paid outside of closing $639.43. (No Data) (No Data)
0946931186 No Cash back to borrower per final executed CD dated XXX is $784,697.97. Maximum cash-out for LTV/CLTV less than or equal to XXX% is $500,000. Clayton deems non-material.  7.22.19 - Client responded. Per the PMB standard doc loan program (loans to $3M), the maximum cash-out for LTV/CLTV greater than 65% - primary residence is $XXXXXX.   7.22.19 - Exception satisfied. 
0954368046 No Seller paid fees listed on the seller's CD are not disclosed on the borrower's CD. Exception satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0423102030        
0627485854 No Disbursement date and rescission date both XXX.  Disbursement date should be XXX.  Requires LOX, PCCD, New NORTC and proof of delivery. 8.1.19 - Client responded. Disagree:  see PC CD attached 8.1.19 - Exception satisfied.
0627485854 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 11951.32CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 11315.89.  Difference is inclusion of POC. (No Data) (No Data)
0627485854 No Approved lender exception for 713 credit score when 720 credit score required.  Compensating factors include; Cash out refinance to consolidate 1st and 2nd,  LTV is 52.34%; max allowed per guidelines is 70% and  DTI is 25.26%, max per guidelines is 43%.Clayton considers non-material.  (No Data) (No Data)
0599751634 No 1. Missing the Profit and Loss statement for Schedule C business XXX2. Missing the Balance Sheet for Schedule C business XXX3. Missing copies of signed and date personal federal income tax returns4. Missing signed copy of HELOC agreement for newly opened HELOC with XXX to verify the terms and conditions  7.2.19 - Client responded. 1- A Profit and Loss statement for Schedule C business XXX was not required. Complete, filed 2018 individual tax return obtained (attached).  2- A Balance Sheet for Schedule C business XXX was not required. Complete, filed 2018 individual tax return obtained (attached).  3- Per lender guidelines, if 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  4- XXXXXX HELOC Agreement attached. Closing Disclosure and XXXXXX HELOC Payoff Statement which reflects the line of credit was frozen and no future draw requests will be honored both attached. XXX HELOC was paid in full and closed/released. Borrower opened a $161k XXX HELOC, simultaneous close. The XXX Agreement for the newly opened HELOC to verify terms and conditions attached. 7.2.19 - Exception satisfied.
0599751634 No Missing verification of 4/2019 and 5/2019 mortgage payment history for XXX (No Data) (No Data)
0599751634 No Missing the Profit and Loss statement for Schedule C business XXX.  Based on 29.18% DTI, 777 qual score, 54.78/70.12 LTV/CLTV, 36 mo. reserves and $17K residual income, Clayton considers non-material.  7.2.19 - Client responded. A Profit and Loss statement for Schedule C business XXX was not required. Complete, filed 2018 individual tax returns obtained (attached). 7.2.19 - Exception satisfied.
0599751634 No Missing the Balance Sheet for Schedule C business XXX. Based on 29.18% DTI, 777 qual score, 54.78/70.12 LTV/CLTV, 36 mo. reserves and $17K residual income, Clayton considers non-material.  7.2.19 - Client responded. A Balance Sheet for Schedule C business XXX was not required. Complete, filed 2018 individual tax returns obtained (attached). 7.2.19 - Exception satisfied.
0599751634 No Missing signed copy of HELOC agreement for newly opened HELOC with XXX to verify the terms and conditions. Based on 29.18% DTI, 777 qual score, 54.78/70.12 LTV/CLTV, 36 mo. reserves and $17K residual income, Clayton considers non-material.   7.2.19 - Client responded. Borrower opened a $161k XXXX HELOC, simultaneous close. The XXX for the newly opened HELOC to verify terms and conditions attached. 7.2.19 - Exception satisfied.
0749728380 No Affiliate business Disclosure not available at the time of review. (No Data) (No Data)
0749728380 No Missing the VVOE for B1 within 20 business days prior to the Note date XXX. Per lender guidelines, Verbal Verification of Employment (VOE) within 20 business days prior to the note date is required. VVOE in file is dated XXX. (No Data) (No Data)
0749728380 No Lender approved exception of Coop exposure exceeds 30% or greater.  (No Data) 8.7.19 -  Clayton considers non-material based on Compensating factors include; DTI is 32.25%, max per guidelines is 43%, 814 qualifying score. Min required per guidelines is 680 and Post close reserves are $888,422.65 or 87.84 months PITIA, guidelines requires 12 months reserves.
0749728380 No At the time of review the Certificate of Liability Insurance with coverage of $ 199,387.75 was not available. 8.13.19 - Client responded. Certificate of Property Insurance for the cooperative met guideline requirements (attached). 8.13.19 - Exception satisfied. 
0726767184        
0653215637        
0388091444 No B1 VOE dated 4/24/19 is not within 20 business days prior to the Note date of XXX.   (No Data) (No Data)
0674952727 No Loan Officers name is not an exact match to the NMLS verification: middle name compared to no middle name provided. (No Data) (No Data)
0894765516        
0286579772        
0470701509        
0215943527        
0882474716 No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0882474716 No Lender approved exception as the borrower has less than 2 years property management experience with use of rental income No landlord experience.  Compensating factors for approval are  Credit: 768 qualifying score. Min required per guidelines is 680. 23 trade lines with an oldest trade from 2006.  Verified cash reserves $ 515,993.62  or 127.80 months, guidelines require 12 months PITIA and the Co-borrower has been employed at XXX for 7 years.  Clayton considers non-material. (No Data) (No Data)
0858143511 No Fraud report shows undisclosed property with borrower ownership interest: XXX.  Provide documentation of PITIA or proof borrower has no ownership interest in property. 7.23.19 - Client responded. "Verbal explanation was obtained from borrower regarding property at XXX.  Property is the family's second home, 50% of the property is owned by father XXX and 50% is held in deceased mother's trust (XXX). Borrower and his brother XXX are equal beneficiaries of the trust. Copy of the verbal explanation noted in file is attached; no other documentation was obtained. 7.23.19 - Exception satisfied.
0858143511 No Initial CD: XXX Missing evidence for LE XXX  was received 3 days prior to consummation date XXX. 8.2.19  -Client responded. Disagree. LE #XXX issued XXX was eDelivered.  Acknowledged by borrower on XXX.  No timing issue. CD #XXX with issue date of XXX was eDelivered on XXX.  Opened and acknowledged by borrower on XXX.  Closing date inadvertently populated to issue date.  This is NNCE. No LE / CD timing issues.  See attached document tracking. 8.2.19 - Exception satisfied.
0858143511 No Fraud report shows undisclosed property with borrower ownership interest: XXX.  Provide documentation of PITIA or proof borrower has no ownership interest in property. 7.23.19 - Client responded. "Verbal explanation was obtained from borrower regarding property at XXX  Property is the family's second home, 50% of the property is owned by father XXX and 50% is held in deceased mother's trust (XXX). Borrower and his brother XXX are equal beneficiaries of the trust. Copy of the verbal explanation noted in file is attached; no other documentation was obtained. 7.23.19 - Exception satisfied.
0156707281        
0470885019        
0199178115 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1342.73CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 707.30. Difference is POC's of $635.43. (No Data) (No Data)
0199178115 No No inspection since the XX/XX/XXXX  and effective XX/XX/XXXX  Fema Disaster- XXXXXXX.  Property Inspection required 8.5.19 - Property Inspection report received and no damage.  8.5.19 - Exception satisfied.
0232499088        
0364904689 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 389.35CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 0.00 (No Data) (No Data)
0541001091 No CD: XXX1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD:XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX.  Difference is POC of XXX. (No Data) (No Data)
0541001091 No Lender Approve Exception:  Employer Sponsored Down payment Assistance Loan Transaction closed after initial purchase transaction dated XX/XX/XXXX .  Compensating factors: Rated reduction 4.25% to 3.75%; Funds used to pay down XXX 1st mortgage; Refinancing XXX from $XXXXX to $XXXXX and re-subordinating Employee Sponsored second, the borrower has been in current profession for 8 years  and DTI is 20.21%, max per guidelines is 43%.Clayton considers non-material. (No Data) (No Data)
0216307103 No Final CD XXX The stated Closing Costs Financed -$10,165.34 (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount $9,529.91 based on the Reg's formula. (No Data) (No Data)
0216307103 No Final CD XXX The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. (No Data) (No Data)
0216307103 No LE XX/XX/XXXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. (No Data) (No Data)
0216307103 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.   7.25.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.25.19 - Exception satisfied.
0873163041 No Lender Approve Exception:  The borrower has less than 2 year XXX with rental income used.  Compensating factors are (1)Reduction in housing payment approximately $2300 a month, (2) 780 qualifying score. Min required per guidelines is 680 (3)Low credit usage with$1124 in revolving balances.. Clayton considers non-material. (No Data) (No Data)
0873163041 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  8.5.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.5.19 - Exception satisfied.
0164668375 No Missing borrower interest worksheet (No Data) (No Data)
0164668375 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -4270.35CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4254.92. (No Data) (No Data)
0164668375 No Numeric Non Material Error: Final CD XXX The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. (No Data) (No Data)
0164668375 No LE XX/XX/XXXX+AG309 The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. (No Data) (No Data)
0699815957 No CD: XXX Calculating Cash to Close, Adjustments and Other Credits - Final, Value: -$6539.23; review calculated total to be -$7,695.00. Provide corrected PCCD, LOX and copy of shipping.  (No Data) (No Data)
0852867907 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $988.36 and Section: Calculating Cash to Close, Field: Clayton Calculation, Value: $972.93. (No Data) (No Data)
0175851173 No Affiliate Business Disclosure not in file (No Data) (No Data)
0431950618        
0323951883        
0575538927 No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has $5455.45 actual calculation $4866.02 closing costs $5455.45 - POC $589.43 = $4866.02 (No Data) (No Data)
0974099513        
0949766520        
0579135349 No 2018 Balance Sheet required for Sched C income being used to qualify. 7.8.19 - Client responded. 2018 Balance Sheet for Schedule C income used to qualify was not required (see Underwriting Notes attached). 7.8.19 - Exception satisfied.
0579135349 No Seller-paid Fee; Real Estate Broker (S) should be disclosed in Section H is not disclosed. Exception satisfied.  (No Data) (No Data)
0919643615 No Cancelled rent checks for the months 8/1/18, 7/1/18, and 6/1/18, needed to complete consecutive 12-month rental history, are missing from file.  Nine consecutive months from 5/1/19 - 9/1/18 and 3/1/18-1/1/18 provided. (No Data) (No Data)
0973904213        
0071046105        
0718124998 No Final CD XXX The stated Closing Costs Financed $3,452.37 (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the calculated total of $2,757.37. Provide corrected PCCD, LOX and copy of shipping.  (No Data) (No Data)
0242003530 No CD:XXX missing seller paid fees from Seller CD:XXX (Title fee to cancel mortgage, title wire, title-procuer mortgage, title-settlement, titile-tax research, release of mortgage)No exceptions or tolerances incurred. Exception satisfied. (No Data) (No Data)
0353472751        
0448515485        
0424867201 No Deed of Trust is missing NMLS information. 7.23.19 - Client responded. See attached Mortgage 7.23.19 - Exception satisfied.
0342466361        
0963966296 No Seller-paid fees not on Borrower's final CD XXX, but on the Seller's CD: XXX, include: 2nd Qtr 2019 Property Taxes (F. Prepaids), Seller's Attorney Fee, Sewer Balance, and Wire Fee to Title Agency. Exception satisfied.  (No Data) (No Data)
0963966296 No Borrower's CD: XXX[Last CD], Closing Cost Details, Other Costs, H. Other, Missing Real Estate Commission Fees to Listing and Selling Agents, paid by the Seller, shown on Seller's CD: XXX, Closing Cost Details, Other Costs, H. Other. Exception satisfied.  (No Data) (No Data)
0088602578 No Missing proof that the XXX HELOC has been paid and closed to future draws. 7.2.19 - Client responded. Final Title Policy and Closing Disclosure attached to verify the XXX deed of trust (HELOC) was paid in full and released. 7.2.19 - Exception satisfied.
0088602578 No Missing proof that the XXX HELOC has been paid and closed to future draws. 7.2.19 - Client responded. Final Title Policy and Closing Disclosure attached to verify the XXX deed of trust (HELOC) was paid in full and released. 7.2.19 - Exception satisfied.
0028035875        
0907426831 No 1. Provide verification additional fees listed on Schedule E of the final 1003 application for REO at XXX of $246; REO at XXX $244 & REO on XXX of $175 are included in the PITI and not other miscellaneous expenses associated with property.  Additional conditions may apply.2. Provide documentation to support the XXX 52 week low stock price of $24.25 used in the calculation of borrowers additional monthly earnings average as outlined in the Underwriter Decision Summary. 6.25.19 - Client responded. Verification of non-subject PITI for properties XXX attached. Additional fees listed on Schedule of REO of the final 1003 are the monthly taxes and insurance for those properties; all escrowed in the monthly mortgage payments.  2- Market Summary (52-wk low) for XXX stock price attached. Closing price was $24.36 - day's range was $24.06 - $24.79 6.25.19 - Exception satisfied. 
0907426831 No Provide verification additional fees listed on Schedule E of the final 1003 application for REO at XXX of $246; REO at XXX $244 & REO on XXX of $175 are included in the PITI and not other miscellaneous expenses associated with property.  Additional conditions may apply. 6.25.19 - Client responded. Verification of non-subject PITI for properties XXX attached. Additional fees listed on Schedule of REO of the final 1003 are the monthly taxes and insurance for those properties; all escrowed in the monthly mortgage payments. 6.25.19 - Exception satisfied. 
0907426831 No Provide documentation to support the XXX 52 week low stock price of $24.25 used in the calculation of borrowers additional monthly earnings average as outlined in the Underwriter Decision Summary. 6.25.19 - Client responded. Market Summary (52-wk low) for XXX stock price attached. Closing price was $24.36 - day's range was $24.06 - $24.79. 6.25.19 - Exception satisfied. 
0907426831 No The LTV 80% exceeds the maximum allowed for loan amount.  Per guidelines loan amount greater than $2MM the maximum LTV is 75%.  Did not see exception in file.  6.25.19 - Client responded. No exception was required. Per lender (Non-Agency) guidelines for a primary residence - purchase, greater than 75% LTV allowed in markets with Median Home Price (MHP) greater than $400k. 6.25.19 - Exception satisfied. 
0796553911 No 6/3/19: Calculating cash to close: Closing costs financed (paid from your loan amount) total of $XXX does not equal reviewed total of $XXX. Provide Lox or corrected Cd with correct information provided within 60 days of consummation.  (No Data) (No Data)
0634093058        
0749680128        
0665884772 No Affiliate Business Disclosure not in file.  Provide missing document. 7.18.19 - Client responded. See attached Privacy Disclosure, that on page two gives the definition of affiliates and than lists them. 7.18.19 - Exception satisfied. 
0665884772 No Missing third party fraud report. 7.18.19 - Client responded. See attached Fraud Guard for loan. 7.18.19 - Exception satisfied. 
0709145401 No Final CD:XXX is missing Seller Paid real estate commission fees. Exception satisfied.  (No Data) (No Data)
0148539936 No Missing verification of rent for departing residence (XXX).  Based on credit score of 745, two additional properties free and clear, and B1 has 10 years in profession, Clayton considers non-material.  7.26.19 - Client responded. Per loan application, borrower's departing residence is XXX, CA and borrowers have occupied this property since July 2018 when they returned to CA from NY.  Per 2017 and 2018 1040 Schedule E, borrowers own this property and rented it in 2017 and part of 2018 while both were employed in NY and resided at XXX while there.  Departing residence is owned free and clear so no mortgage history can be obtained.  Per lender's credit policy, underwriters may use judgment regarding the number of months of payments verified; borrowers occupied departure residence for approximately 11 months at closing so housing history verification was satisfied.  Copies of loan application and Schedule E for 2017 and 2018 attached.  7.26.19 - Exception satisfied. 
0570603490        
0217009625 No Post FEMA natural disaster property inspection for wildfires effective 11/25/2018 re-inspection report not provided. dec # 4407. Closing date of XXX 7.11.19 - Property inspection received and no damage.  7.11.19 - Exception satisfied. 
0981652411        
0599510199 No Missing proof XXX payment of $3,361 for property at XXX included taxes and insurance. 8.5.19 - Client responded. Verification of XXX payment for property XXX (non-subject) including taxes and insurance attached. 8.5.19 - Exception satisfied.
0599510199 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 684.10CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 48.67. Difference is POC's of $635.43.  (No Data) (No Data)
0599510199 No Missing proof XXX payment of $3,361 for property at XXX included taxes and insurance.  Based on 787 qual score, 104 mo. verified reserves, $9k/mo residual income, XXX considers non-material.  8.5.19 - Client responded. Verification of XXX payment for property XXX (non-subject) including taxes and insurance attached. 8.5.19 - Exception satisfied.
0599510199 No The loan file is missing EXECUTED evidence that the XXX HELOC  is paid and closed to future draws.   8.5.19 - Client responded. See attached Lien Release for HELOC loan and CD (page 3) to show this was paid off at closing  8.5.19 - Exception satisfied.
0839488553        
0819186429 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 15483.71CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 14848.28. Difference is POC's of $635.43.  (No Data) (No Data)
0758812553        
0612855124        
0573022353 No Lender Approved Exception:  SFD w/accessory unit in basement. Compensating factors:  772 qualifying score. Min required per guidelines is 680, Verified cash reserves $320,451.07 or 102.75 months, guidelines require 12 months PITIA and the borrower has been in current profession for 23 years. Clayton considers non-material. (No Data) (No Data)
0664293224 No Missing 12-month rental payment history.  Credit report reflects attempt at reporting but no contact made. (No Data) (No Data)
0596942691 Yes A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review is required.  7.19.19 - A Field review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of XXXXXX. 7.31.19 - Client responded. The Field Review notes the subject's PUD is divided between two counties, with the assertion there are two different markets with two different school districts.  The original appraiser utilized comparables #2 & #3 because they would undoubtedly be considered or competitive to the subject property. Furthermore, the appraiser described the subject and comparables are not only in the same PUD community but are assigned to the same school district. During the initial review of the comparables location in the original appraisal report, utilizing comparables #2 & #3 assist in supporting values of homes located on the XXX.  A typical buyer would consider homes on each side of the county line, and so should an appraiser, as the golf course amenity and similarity in school districts would reflect competitive properties to be analyzed.  To solely base the valuation on sales located in the subject's county would be unreasonable given the limited sales activity in the area to begin with. The subject is a newer home, in C2 condition and while alternative comparables exist based on the Field Review, no adjustments were applied for inferior age or condition. The lack of these adjustments has resulted in the Field Reviews undervaluation of the subject property. We disagree with the Field Review in that it certainly is more prudent to utilize comparables on the golf course, despite being in the neighboring county, as opposed to not taking them into consideration.  Distance being greater than 1 mile is not of any concern given the circumstances of the same PUD community and same school district. In addition, comparables used in the original report are similar in size, utility, age/condition and deemed competitive properties. The Field Review omits key adjustments for age and condition that again lead to undervaluation of the subject property. As for the condition adjustment(s), upon review of the interior of the comparable properties, comparable 1 does not appear to be superior nor warrant an adjustment. Comparable 2 is the only comparable receiving an adjustment and we would agree it is unwarranted and due to its superior size (GLA) not a good indicator of vale for the subject property. Comparable 2 should have been given little to no weight in the reconciliation of value. This leaves comparables #1 and #3, despite a larger than desired range of adjusted values, they do bracket the appraised value with most weight being given to comparable # 1.  This comparable was utilized in both the original appraisal and Field Review, located on the subject street and only two lots from the subject. The location of Comparable #1 is inferior, not only does it not have the golf course amenity, but it backs a main road in the PUD, and while there are adjustments applied in the original appraisal, one could argue the adjustment is understated. However, given the adjusted value of comparable #1 on both the original report and Field Review, even the lower of the 2 adjusted values is $XXXXXX, a variance of only XX% from the original appraised value. The incorrect assertion that two of the original appraisal comparables are not in the same school district, the use of older homes, omitted adjustments and use of non-golf course comparables, has not resulted in a compelling argument for a lower value as rendered in the Field Review. The original estimate of market value is reasonable and within a more than reasonable margin of error.7.31.19 - Client rebuttal being sent to third party then XXX for review.8.7.19 - Vendor responded and supports original Field review of $XXXXXX. 7.19.19 - Exception remains. 7.31.19 - Exception remains. 8.7.19 - Exception remains. 
0512464759 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $12,857.74 and  Section: Calculating Cash to Close, Field: XXX Calculation, Value: $12,222.31. Difference is inclusion of POC. (No Data) (No Data)
0854956670 No ROR signed by borrower on XX/XX/XXXX and references that expiration date is Midnight of XX/XX/XXXX. This is the same date as the disbursement date on Final CD XXX. ROR should have expired XX/XX/XXXX (No Data) (No Data)
0854956670 No H9 ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. As subject loan is in CA and part of the XXX this is non-material.  (No Data) (No Data)
0854956670 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXXCD:XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value:XXX. Difference is POC's of $XXX.  (No Data) (No Data)
0510469541        
0500518156        
0911589261        
0975472364 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 9772.70CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9137.27. Difference is POC's of $635.43.  (No Data) (No Data)
0376494210 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 561.11CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 355.77 (No Data) (No Data)
0376494210 No Final CD XXX: The top portion of the final CD was cut off on all pages.  Please provide a complete copy of the final CD. (No Data) (No Data)
0889736434 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 6136.68CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 5501.25. Differences are POC's of $635.43.  (No Data) (No Data)
0889736434 No Lender approved exception for DTI ratios over 40%, current DTI is 42.69%. Compensating factors include LTV of 36.67%, max per guidelines is 70%, 797 qualifying score. Min required per guidelines is 720 and Post close reserves are $124,161.63  or 26.22  months.  guidelines require 12  months PITIA. Clayton considers non-material. (No Data) (No Data)
0808465278        
0681811143 No The Finance Charge is underdisclosed by $1698.70. Final CD XXX, disclosed finance charge as $797,043.38.  Review calculated total as $798,742.08.  The following fees were applied to APR.  Prepaid Interest. $1231.50. Corrected by PCCD dated XXX.  Exception satisfied. (No Data) (No Data)
0681811143 No The Amount Financed is overdisclosed by $1,698.70. Final CD XXX, disclosed amount finance as $1,238.768.50.  Review calculated total as $1,237,069.80.  Corrected by PCCD.  Exception satisfied. (No Data) (No Data)
0681811143 No Numeric Non-Material Error: PCCD XXX Loan Terms; Interest Rate 3.75% does not match the Interest rate 3.625% based upon the Note terms.  Requires LOX and PCCD. (No Data) (No Data)
0681811143 No PCCD XXX Seller-paid Fees Real Estate Broker (S) & (B) should be disclosed in Section H is not disclosed.. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0681811143 No Non-Numeric Clerical Error: PCCD XXX Closing Information; File # is missing. 8.1.19 - Client responded. Disagree. CD #XXX  with issue XXX is not a PC CD.  CD #XXX was issued on XXX.  Projected closing date inadvertently populated to issue date.   This is NNCE.  See document tracking attached for CD #XXX. 8.1.19 - Exception satisfied.
0681811143 No Numeric Material Error: PCCD XXX Loan Terms; Monthly Principal & Interest $5,742.64 does not match the Monthly Principal & Interest $5,655.04 based upon the Note terms.  Requires LOX and PCCD. 8.1.19 - Client responded. Disagree. CD #XXX  with issue XXX is not a PC CD.  CD #XXX was issued on XXX.  Projected closing date inadvertently populated to issue date.   This is NNCE.  See document tracking attached for CD #XXX. 8.1.19 - Exception satisfied.
0681811143 No Non-Numeric Error: PCCD XXX Loan Costs; Section B Line 03 through Line 06 is missing the payee providers name.  Requires LOX and PCCD.  8.1.19 - Client responded. Disagree. CD #XXX  with issue XXX is not a PC CD.  CD #XXX was issued on XXX.  Projected closing date inadvertently populated to issue date.   This is NNCE.  See document tracking attached for CD #XXX. 8.1.19 - Exception satisfied.
0681811143 No Non-Numeric Error: PCCD XXX Other Costs; Section H, Line 01 is missing the payee providers name.  Requires LOX and PCCD. 8.1.19 - Client responded. Disagree. CD #XXX  with issue XXX is not a PC CD.  CD #XXX was issued on XXX.  Projected closing date inadvertently populated to issue date.   This is NNCE.  See document tracking attached for CD #XXX. 8.1.19 - Exception satisfied.
0028139323 No Seller CD shows Fees in Section H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0028139323 No VRR value $XXXXXX did not support the appraised value of $XXXXXX with variance XX% outside the acceptable tolerance.  Field review has been ordered.  8.8.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.8.19 - Exception satisfied.
0486622257 No CD: XXX [Last CD]  Section: Calculating Cash to Close: Closing Costs Financed -  Value: 828.70 CD: XXX [Last CD]  Section: Calculating Cash to Close: Review Calculation  Value: 324.36 (No Data) (No Data)
0486622257 No CD: XXX and CD: XXX [Last CD]Section: Loan Costs: (C) - Missing Payee name for the Notary fee.  (No Data) (No Data)
0506999203 No Lender approved exception for unacceptable property Subject is on XXX just off XXX NY and is primarily a 2nd home community with no cars or public transportation. There is regular XXXX access to the XXXX and XXXXXX at fair ends of the XXXXX. But once on the XXXXX there are no cars and only walk ways between properties. CRT is calling out property as unacceptable for this reason. Compensating factors include LTV is 44.26%; max allowed per guidelines is 75%, 798 qualifying score. Min required per guidelines is 680 and Verified cash reserves $1,657,787.68 or 612.70 months, guidelines require 18 months PITIA. Clayton considers non-material. .  (No Data) (No Data)
0518528405 No CD dated XXX the calculating cash to close LE column of the grid does not match the last LE issued XX/XX/XXXX. (No Data) (No Data)
0104552390 No CD XXX: Seller paid fees disclosed on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0524021296        
0733705476 No Approved Lender Exception for no rental history.   Compensating factors include   DTI 32.32% max per guidelines is 43%, Verified cash reserves $84,278.80 or 25.79 months  and 788 qualifying score. Min required per guidelines is 680.Clayton considers non-material. (No Data) (No Data)
0864748943        
0181679119 No Final CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. However in the Other Costs Section H missing disclosed Real Estate Commission fee for Seller being paid. Exception satisfied. (No Data) (No Data)
0838880783 No Seller-Paid fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. 06/23/2019 Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. (No Data) (No Data)
0519613181        
0896660644        
0796378679 No Missing verification of monthly HOA dues for non-subject residence located at XXX.  Property is a condominium. 7.2.19 - Client responded. Verification of monthly HOA dues in the amount $595 for non-subject property located at XXX attached (see Appraisal Report). 7.2.19 - Exception satisfied.
0796378679 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13856.21CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 13220.78CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10728.21CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 10092.78. Difference is POC's of $635.43.  (No Data) (No Data)
0796378679 No Missing verification of monthly Taxes, HOI or HOA dues totaling $1,018.07 for non-subject residence located at XXXXXX. Property is a condo.  7.2.19 - Client responded. Verification of non-subject PITI located at XXXXXX attached. Taxes and HOI are escrowed. 687.14 + 372.99 + 50.07 = $1110.20 total monthly PITI payment. Monthly HOA dues $595 (see Appraisal Report). 7.2.19 - Exception satisfied.
0833478670        
0144026720        
0929214902 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2362.85CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1727.42. Difference is POC's of $635.43.  (No Data) (No Data)
0568659980 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3701.49CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3091.06.  Difference is inclusion of POC. (No Data) (No Data)
0568659980 No Lender Approved Exception:  Insufficient months of Liquid Reserves with a cash out loan request.  Compensating factors are (1) Borrowers liquidated stock in April and paid down HELOC Balance by $85,000 which would have provided sufficient reserves .  (2) B2 contributes maximum amount in 401 each year.  (3) Cash out proceeds used to payoff investment property with makes 2 properties free and cleared.  (4) Paying off and Closing HELOC; eliminating additional credit line. Clayton considers non-material. 7.18.19 - Client responded. LVAM approved exception - Reserve (post close liquidity) requirements. Approved under the PCO delegated authority.  7.18.19 - Exception remains. 
0540320245 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -5340.69CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3414.26 (No Data) (No Data)
0540320245 No LE XX/XX/XXXX  Calculating Cash To Close, Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -5735 and should be positive (No Data) (No Data)
0540320245 No Lender Approved Exceptions: (1) Maximum number of properties exceed 4 per lender guidelines and (2) LTV/CLT is less than or equal to 80 percent; Purchase less than 90 days policy.  Compensating factors:  (1) Verified cash reserves $2,073,465.55 or 696.82 months, guidelines require 18 months PITIA. ; (2) 776 qualifying score. Min required per guidelines is 680,  (3) LTV 17% below max financing for Purchase/Second Home of 80%.Clayton considers non-material.  (No Data) (No Data)
0380542251 No Seller CD not in file..  Provide copy of missing document 7.22.19 - Client responded. See attached seller closing disclosure. 7.22.19 - Exception satisfied. 
0716389617 No CD: XXX [Last CD], Calculating Cash to Close, Closing Costs Financed - Final, $2,956.19; Calculation, $2,940.76.  Values do not match. The difference is $15.43, which is the amount of Closing Costs Paid Before Closing. (No Data) (No Data)
0788383112        
0150259748        
0219350889 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3554.63CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2859.63.  Differences is POC. (No Data) (No Data)
0219350889 No Approved Lender exception for PCL short 32K just over 3 months short.  Compensating factors include Borrower explained that shortage in funds is due to ongoing repairs, docs provided that supports subject's property rehab in excess of 180K, B2 shows a high level of retirement assets,  Borrowers DTI of 36.59% is below the guideline requirement of 43% and Borrower credit score of 760 exceeds guidelines requirement of 720. Clayton considers non-material.  (No Data) (No Data)
0461400504 No Per Final CD XXX: Calculating cash to close screen: Loan amount totals are reviewed as Loan estimate $XXXXXX and Final LE $XXXXXX. Did this change reflects Yes and amount decreased, there was no change.  (No Data) (No Data)
0461400504 No Missing the VVOE for B1  dated  within 20 days prior to the Note date .File contains VVOE dated 05/17/2019, Note Date: XXX. Per lender guidelines, Verbal Verification of Employment (VOE) within 20 business days prior to the note date is required.  8.5.19 - Client responded. Per lender guidelines (Proprietary Policy), for an HFI to HFI rate/term refinance, the VVOE must be completed within 45 days of closing. 8.5.19 - Exception satisfied.
0221074948 No CD dated XXX: Seller paid fees are disclosed on the seller's CD however were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0221074948 No Lender approved exception for shortage of required reserves/ pcl under 12 months as the borrower is short 1 month of reserves. Compensating factors include 789 qualifying score. Min required per guidelines is 680.  DTI is 32.44%, max per guidelines is 43% and Residual income is over $24,000.   Minimum Residual requirement is $750.. Clayton considers non-material. 7.22.19 - Client responded. LVAM approved tracking - Non HFI 3 mo PCL reduction. Approved under the PCO delegated authority.  7.22.19 - Exception remains. 
0518157399 No CD: XXX -1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3958.81CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3263.81. Difference is POC's of  $695.  (No Data) (No Data)
0334893000 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the seller CD, exception satisfied (No Data) (No Data)
0137011473 No Affiliate Business Disclosure not in file (No Data) (No Data)
0509152535        
0237529333 No CD:XXX-1 Missing Seller paid fees (Conservation fee, Transfer tax, Property Tax, RE Broker Admn. Title-Seller Settlement Fee) File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0077310394 No Seller CD shows Fees in Sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0212070388 No Final CD XXX and PCCD XXX Closing Costs Financed does not match Claytons Calculated amount. Final CD Clayton Calc is $4858.70. PCCD Clayton Calc is $4615.40.   7.22.19 - Client responded. CDCR to correct the cash to close to display correct closing cost financed.9.10.19 - Client responded. See attached PC CD. 7.22.19 - Exception remains. 9.10.19 - Exception satisfied. 
0226643276 No Lender Approved Exception in file for number of credit lines does not meet guideline requirement.  Compensating factors include; 746qualifying score. Min required per guidelines is 680, DTI is 22.11%, max per guidelines is 43% and Post close reserves are $117,770,.33 or 28.48 months PITIA, guidelines requires 12 months reserves. Clayton considers non-material. (No Data) (No Data)
0069634422 No Final CD:XXX missing Seller paid fees listed on Seller CD (Title Exam, Record Discharge, Broker Reimbursement, Discharge Handling,  Overnight Payoff, Seller Attorney fee), no tolerance or exception incurred.Exception satisfied.(1) (No Data) 07/18/2019:  Exception Satisfied
0502017376        
0048222888 No Seller-paid fees are disclosed on the Sellers CD but now on the borrowers CD. Seller CD is in file. Exception satisfied.  (No Data) (No Data)
0650724862 No Missing HOA/Maintenance fee for XXX;  (Per lender, Core document was used to verify maintenance fee of $657 per month.  Core document in file is not legible).   7.1.19 - Client responded. Verification of monthly HOA/Maintenance fee of $657 for XXX attached (see Appraisal Report). 7.1.19 - Exception satisfied. 
0650724862 No Final CD XXX The stated Closing Costs Financed $6,189.64 (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount $5,679.21 based on the Reg's formula.  (No Data) (No Data)
0650724862 No Lender approved exception for credit score 717 below minimum required of 720 for cash out on second home.  Compensating factors low DTI 27.94%, high PLC and high residual income $23,912.62.  Based on compensating factors, Clayton considers non-material. (No Data) (No Data)
0650724862 No Missing HOA/Maintenance fee for XXX;  (Per lender, Core document was used to verify maintenance fee of $657 per month.  Core document in file is not legible). Based on 27.94% DTI, 57 months of reserves, $23K/mo. residual income, XXX% LTV, Clatyon considers non-material.   7.1.19 - Client responded. Verification of monthly HOA/Maintenance fee of $657 for XXX attached (see Appraisal Report). 7.1.19 - Exception satisfied. 
0283332721        
0303058966        
0344345531 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 7592.35CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 6956.92. Difference is POC's of $635.43.  (No Data) (No Data)
0344345531 No Verbal VOE for both borrowers was completed on 04/29/2019, or more than 20 business days prior to note date. 7.26.19 - Client responded. Lender's stipulation for a final re-verification of employment for both borrowers was satisfied on 6-6-2019 but unable to locate an updated re-verification of employment document in lender's file. Copy of lender's stipulation notes attached.  7.26.19 - Exception remains. 
0344345531 No Missing executed copy of 2nd lien (HELOC). 7.26.19 - Client responded. Copy of XXX Account Agreement and Deed of Trust attached. 7.26.19 - Exception satisfied. 
0047687110        
0284633103 No Final CD: XXX is missing Seller Paid fees from Seller CD. Missing seller paid fee: Water invoice: $36.24Legal fee: $2,500Release tracking fee: $141No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) 07/10/2019:  Exception Satisfied
0284633103 No Lender approved exception for Minimum FICO not met below 680 at 677 a 3 point variance, and Insufficient Credit Decision: Compensating factors for approval are Overall strong Borrower profile. Overall strong Borrower profile.  Strong RIE to support ability to repay, demonstrated ability to save and strong RIE after closing to support continued savings. ATR met with strong down payment, though large GIFT from Father, Borrower is bringing in $543,823 of own assets to close transaction. Borrowers are purchasing well within means with low DTI under 31%. Low LTV at 50.89%. Borrower earns base pay with near equal match of commission.  Strong reserves after closing to support ATR and offset risks. Clayton considers non-material. (No Data) (No Data)
0521742423        
0017290309 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD. (No Data) Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation
0605328567        
0827066954 No Seller-Paid fee: Property tax, Water/Sewer Charges & Escrow Service Charge indicated on Seller CD not disclosed on page 2 of the Borrower Final CD.File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0711888345        
0987478436 No Lender approved exception for short PCL reserve requirement; Based on 32.69% DTI, $7k/mo. residual income and potential for increased earnings in a high earning profession, Clayton considers non-material.  (No Data) (No Data)
0736366091 No 18-months payments in the amount of XXX & XXX covering period 12/5/17 through 5/2/19 are included in file to satisfy 12-month rental/housing history.  However, current rental payment per section V of final application is $10,600.  Corrected 1003 reflecting present rent payment as $5,184 or most recent cancelled checks/VOR for rental payments of $10,600 are required.  Based on 13.41% DTI, 777 qual score, 47mo. reserves and $33k/mo. residual income, XXX considers non-material.  (No Data) (No Data)
0736366091 No 24-months W-2s required, however only 2018 W2 and 2017 K-1 was included in file.  2017 1040s needed to support 2017 K-1s and confirm  no wage income reported for that year are missing; additionally, 2018 K-1 for XXX is missing (borrower employed with XXX through 2/18/18).  Based on 13.41% DTI, 777 qual score, 47mo. reserves and $33k/mo. residual income, Clayton considers non-material.  (No Data) (No Data)
0737901987 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD (No Data) Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation
0281779625 No Missing independent VOE for XXX. 8.5.19 - Client responded. Existence (VOE) of the company attached (2 attachments). XXX is a privately held company in XXX, AZ. It was established in 2016 and incorporated in AZ. The company's filing status is listed as good standing and its File Number is XXX. The company has 2 principals on record, XXX (co-founder and partner) and XXX. 8.5.19 - Exception satisfied.
0281779625 No Affiliate Business Disclosure not in file (No Data) (No Data)
0281779625 No Final CD XXX Other Costs Section missing the following seller paid fees which appear on the Seller CD: E-Recording, Local Government Lien Search, Settlement, Completion Notice, Condo Certs, HOA Demand Pkg, Warranty PremiumCondition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0281779625 No Missing independent VOE for XXX. Lender guidelines indicate Verbal Verification of Employment (VVOE) within 30 days from the closing date is required. 8.5.19 - Client responded. Existence (VOE) of the company attached (2 attachments). XXX is a privately held company in XXX, AZ. It was established in 2016 and incorporated in AZ. The company's filing status is listed as good standing and its File Number is XXX. The company has 2 principals on record, XXX (co-founder and partner) and XXX. 8.5.19 - Exception satisfied.
0946985841        
0360412040 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD. (No Data) Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation
0871944758 No CD XXX: Seller paid fees disclosed on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0711876968 No Seller CD shows Fees in Sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0084069748        
0399499872        
0603071303 No The disbursement date of XXX was prior to the end of the statutory rescission period (XX/XX/XXXX). 7.26.19 - Client responded. "Disagree:  PC CD issued with correct disbursement and per diem date of XX/XX/XXXX see attached. 7.26.19 - Exception satisfied. 
0603071303 No The disbursement date of XXX was prior to the end of the statutory rescission period (XX/XX/XXXX). 7.26.19 - Client responded. "Disagree:  PC CD issued with correct disbursement and per diem date of XX/XX/XXXX see attached. 7.26.19 - Exception satisfied. 
0220043195 No Lender Approved Exception:  First time Homebuyer with escrow waiver.  Compensation factors of low DTI, 13 year job tenure with $12k/month residual income and,Verified cash reserves $ 161,546.38  or 37.78 months, guidelines require 12 months PITIA .  Clayton considers non-material. (No Data) (No Data)
0299977131        
0386219645        
0741600555        
0284888667        
0153289263 No Provide proof of the  hazard insurance  and any association dues for  the departing residence, Only the proof of property taxes are in file   totaling $698.14 per month.  Used $2,019.08 from application to qualify. 7.16.19 - Client responded. Proof of PITI for non-subject property (departure residence) XXX attached. Taxes 8377.62/12 = 698.14 monthly. Hazard insurance 1561/12 = 130.08 monthly. HOA dues $140 monthly. 1050.82 + 698.14 + 130.08 + 140 = 2019.04 total monthly payment. 7.16.19 - Exception satisfied.
0153289263 No Provide proof of the  hazard insurance  and any association dues for  the departing residence, Only the proof of property taxes are in file   totaling $698.14 per month.  Used $2,019.08 from application to qualify. 7.16.19 - Client responded. Proof of PITI for non-subject property (departure residence) XXX attached. Taxes 8377.62/12 = 698.14 monthly. Hazard insurance 1561/12 = 130.08 monthly. HOA dues $140 monthly. 1050.82 + 698.14 + 130.08 + 140 = 2019.04 total monthly payment. 7.16.19 - Exception satisfied.
0912487297        
0113895199 No Commission Fees present, however, Seller CD shows Fees in Sections H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0841919394        
0639684495 No Missing LOX for 30 day gap in employment (6/30/17 - 8/16/17).   7.1.19 - Client responded. Per lender guidelines, gaps in employment may not require an explanation from the customer if the underwriter determines that gaps have not affected employment stability or continuance. Small gap, just over 1 month did not affect employment stability as job transition from XXX to XXX. The customer was previously employed with XXX over 11 years and has remained in the same line of work with steady income for 32 years. Only base pay used in qualifying. 7.1.19 - Exception satisfied. 
0639684495 No Commission Fees present, however, Seller CD shows Fees in Sections H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0639684495 No Missing LOX for 30 day gap in employment (6/30/17 - 8/16/17).  Per lender, UW eligible to waive requirement, but must provide rationale (rationale not in file).  Required per QM. 7.1.19 - Client responded. Per lender guidelines, gaps in employment may not require an explanation from the customer if the underwriter determines that gaps have not affected employment stability or continuance. Small gap, just over 1 month did not affect employment stability as job transition from XXX to XXX. The customer was previously employed with XXX over 11 years and has remained in the same line of work with steady income for 32 years. Only base pay used in qualifying. 7.1.19 - Exception satisfied. 
0009271464        
0420683176 No $225.00 due to decrease in lender credit from $3750.00 to $3,525.00 on final CD XXX. Requires supporting COC for decrease in lender credit, or corrected PCCD, copy of refund check, LOX and copy of shipping. 7.3.19 - Client responded. Disagree: Excluding the (L) indicating Lender Paid is a NNCE.  Loan purpose is refinance, only parties to transaction are Lender and Borrower.   If TPR does not consider NNCE, we can request a PC CD to add the (L) indicating lender paid but XX disagrees on refunding due to NNCE. 7.3.19 - Exception satisfied. 
0386828682        
0450153825        
0963901931 No CD dated XXX seller paid fees that are present on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0963901931 No CD: XXX [Last CD], Section: Other Costs Section H: Seller paid real estate agent fees are not listed on the borrower's CD. Exception satisfied. (No Data) (No Data)
0353927909        
0391649449 No $11,238.98 reserves shortfall. Per guidelines, 12 months PITI ($12,123.08  x 12 = $145,476.96) post-closing reserves required. File contains only $134,237.98 post closing reserves.  Lender counted the gift funds twice in calculations,  Gift funds were already deposited to XXX with bal of $569,998.96 on 05/30/2018,  a copy of the check is in file  and then counted again separately for $50,000 in asset calculation.  7.22.19 - Client responded. Calculated reserves of $134,237.98 were sufficient to satisfy the 9 month PCL requirement of $109,107.72 ($12,123.08 x 9) for this transaction. Agree, the $50k gift was counted twice as gift funds were already included in the XXXXXX account balance of $569,998.96. However, lender guidelines allow a 3 month PCL waiver for a fully amortized purchase with an LTV/CLTV less than or equal to 80%. These transactions are part of standard published policy based on the underwriter's lending authority and are not exceptions.   7.22.19 - Exception satisfied. 
0391649449 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.24.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.24.19 - Exception satisfied.
0583254700        
0679499143        
0148854837        
0367841971        
0401466868        
0125896444        
0669699780 No Final CD disclosed finance charges of $337,012.21 per Clayton pay stream calculations, finance charges are $338,691.21, resulting in understated finance charges of $1,679.00. The following fees were applied to finance charges: Processing $1,199.00, Settlement Closing $300.00, Courier Charges $100.00, Prepaid Interest $978.31, Tax Service $80.00. The PC-CD discloses finance charges as $338,330.78, resulting in an understatement of $360.43. 8.2.19 - Client responded. Disagree.  CD #XXX with issue date XXX, was sent on XXX.  Estimated closing date inadvertently populated to issue date.  Final CD #XXX, executed on XXX has correct finance charge and apr calculations.  See attached doc tracking. 8.2.19 - Exception satisfied.
0669699780 No Final CD disclosed finance charges of $337,012.21 per Clayton pay stream calculations, finance charges are $338,691.21, resulting in understated finance charges of $1,679.00. The following fees were applied to finance charges: Processing $1,199.00, Settlement Closing $300.00, Courier Charges $100.00, Prepaid Interest $978.31, Tax Service $80.00. The PC-CD discloses finance charges as $338,330.78, resulting in an understatement of $360.43. 8.2.19 - Client responded. Disagree.  CD #XXX with issue date XXX, was sent on XXX.  Estimated closing date inadvertently populated to issue date.  Final CD #XXX, executed on XXX has correct finance charge and apr calculations.  See attached doc tracking. 8.2.19 - Exception satisfied.
0669699780 No CD XXX: Seller paid fees disclosed on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0669699780 No Missing VVOE from the [prior and current employer  dated within 20 business days prior to the Note Date. Current employer (XXX) start date 07/08/19; Note date XXX; Missing prior employment VVOE also. 7.26.19 - Client responded. Lender's credit policy requires a verbal verification of employment income sources used for qualifying; a verbal VOE is not required for prior employment sources.  Additionally, lender's credit policy contains provisions for owner-occupied purchase loans with salaried borrowers to close prior to the start date with a new employer; a post-close verbal VOE and paystub is not required.  Copy of final paystub with XXX obtained along with Offer Letter from XXX; copies of documents attached along with evidence employment contingencies have been satisfied. 7.26.19 - Exception satisfied. 
0198414309        
0031322226        
0117814989 No Missing   (No Data) (No Data)
0117814989 No Provide documentation to support source of funds for $500,000 deposit to XXX on 3/4/19 8.15.19 - Client responded. XXX statement 3/15/19 attached (see pg 2) to source $500k deposit into XXX statements attached to document transaction history. 8.15.19 - Exception satisfied. 
0117814989 No Missing current paystub from B1 new employer XXXXXX or verification the borrower has started employment with new employer.  Per Offer Letter dated 5/22/19, date of hire was 7/1/19. 8.15.19 - Client responded. VOE dated 7/8/19 confirms B1 retained employment with XXXXXX; VOE was completed after expected start date of 7/1/19 with XXXXXX (attached). Additional attachment - XXX (as of 8/14/19) also validates B1 is currently a XXX. 8.15.19 - Exception satisfied. 
0121661064 No Non-Numeric Error: Final CD XXX Loan Costs; Section C Fees listed are missing the providers name. (No Data) (No Data)
0121661064 No Seller-paid Real Estate Commission to the Sellers agent should be disclosed in Section H of the Final CD. Exception satisfied.  (No Data) (No Data)
0174099974 No Escrow holdback to XXX for $50000 for completion of  bathroom. Provide proof all funds dispersed when complete.  2.15.19 - Client responded. Escrow Holdback Agreement and Closing Disclosure attached. Lender will obtain a final inspection / 1004D by 5/16/19 per agreement.2.15.19 - Clayton has reviewed and considered more informational for lender therefore non-material.  2.15.19 - Exception remains. 
0174099974 No Final CD XXX Other Costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized (No Data) (No Data)
0174099974 No XXX granted an exception for Co-op Combination. Combination. The loan wasescalated and one time approval has been granted to approve without the bid andcontract due to the nature of the approval. Email from XXX in file statingthat the sponsor is doing the reno work and the only requirement will be to add a door which has minimal cost which is why there is no contract bid. PCO discussed this LM and agrees this is acceptable but will need bid at some point. 2.15.19 - Client responded. LVAM approved exception - Unacceptable Property Type. Exception approved under the PCO delegated authority.2.15.19 - Clayton has reviewed and considered non-material.  2.15.09 - Exception remains. 
0174099974 No Original appraisal although reflects "As is" but states - This appraisal is made subject to combination and completion of the second bath and is intended for mortgage lending purposes only. UW decision summary also reflects 1004 D required.  2.15.19 - Client responded. Escrow Holdback Agreement and Closing Disclosure attached. Lender will obtain a final inspection / 1004D by 5/16/19 per agreement.2.15.19 - Clayton has reviewed and considered more informational for lender therefore non-material. 8.15.19 - Client responded. See final inspection attached 2.15.19 - Exception remains. 8.15.19 - Exception satisfied.  
0043207190        
0604124784 No Appraisal update reflects that the estimated cost to cure $20,300 for exterior items to be completed.  Provide verification exterior items have been completed and escrow holdback has been released.  Compensation factors income, Borrower has significant time at current job of 13 years, 61.79% LTV below guideline requirements of 80% , and DTI of 25.04% is  below guideline requirements of 43%.Based on verification that 100% of interior is complete and LTV of 61.79% Clayton considers this to be non material.  (No Data) (No Data)
0169666637        
0746165502        
0994061974        
0591745499 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 6526.30CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 5831.30. Difference is POC's of $695. (No Data) (No Data)
0014674040        
0055279077        
0516624136 No Per final CD lender held $36,000 for pool to be finished. 7.26.19 - Client responded. "Final inspection confirmed construction complete with the exception of the pool/spal and estimated cost to cure of $30,000.  Work Completion Escrow was approved by lender; credit policy requires 1.2 times the estimated cost to cure be held in escrow ($36,000).  Funds were withheld from the sellers proceeds to fund the work completion escrow. 7.26.19 - Exception satisfied. 
0516624136 No Missing 1004D showing pool complete;  1004D in file shows pool not complete with cost to cure of $30,000.  Per letter in file lender held $45,000 in escrow; however final CD shows only $36,000 held in escrow. 7.26.19 - Client responded. Appraisal was completed subject to completion (property was new construction).  Final inspection dated 5-25-2019 noted subject was complete with the exception of pool/spa with an estimated cost to cure of $30,000; letter (email) from builder agreed to escrow amount of 1.5 times the cost to cure ($45,000).   Lender's credit policy for work completion escrows requires the amount of the escrow to be equal to 1.2 times the estimated cost to cure ($36,000). Escrow Agreement dated 6-13-2019 with escrow amount of $36,000 and settlement statement dated 6-18-2019 with  $36,000 witheld from seller proceeds are attached.  Final inspection dated 07-02-2019 confirms pool/spa completed and operational; copies of both inspections and photos are attached. 7.26.19 - Exception satisfied. 
0516624136 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  8.2.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.2.19 - Exception satisfied.
0658649557 No Lender approved exception for mortgage history 1x30 7/2018.  Based on 767 qual score, 37mo. reserves, $14k/mo. residual income, borrowers' overall credit repayment history and evidence of REO property management for two years Clayton considers as non material. (No Data) (No Data)
0658649557 No Appraisal was completed "subject to".  The appraisal update/completion report was not provided. 7.10.19 - Client responded. See attached Underwriting notes and the photos was used  to clear the "subject to" as these items are addressed in the photos.  7.10.19 - Exception satisfied. 
0658649557 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.29.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.29.19 - Exception satisfied.
0308946868        
0229866342        
0015987989 No CMPTRID3706 - Seller-paid fees not on borrower's final CD but on the Seller's Cd. Fees include: Section E. Satisfaction of Mortgage Fee; Section H. Lien Release Fee, and Recording Fee. Exception satisfied.  (No Data) (No Data)
0015987989 No Missing fraud report for Borrower 3. 8.5.19 - Fraud report provided and no issues.  8.5.19 - Exception satisfied.
0015987989 No Credit reports for all three borrowers are dated XX/XX/XXXX, or 129 days prior to note date of XXX.  Guidelines require credit report to be dated within 120 days. (No Data) (No Data)
0015987989 No Title policy reflects encroachments onto XXX by stoop, steps and fence up to 3.5 feet.  Guidelines stipulate that such encroachments are acceptable if there is an endorsement to the title insurance policy affirmatively insuring against loss suffered by reason of the entry of a decree or court order requiring the removal of the encroachment.  Title policy states that policy does not insurance against loss or damage for the encroachment. 8.8.19 - Client responded. Unable to locate specific affirmative coverage language (endorsement) to the title policy listed under Schedule B. However, removal (loss or damage) of encroachment onto XXX by stoop, steps and fence up to 3.5' (external obsolescence) would not negatively impact marketability or habitability of the subject property or affect the lien of the mortgage insured. 8.8.19 - Clayton has reviewed and considers non-material based on compensating factors of low DTI of 33% and cash reserves in excess of $234,000.  8.8.19 - Exception remains. 
0897629466        
0104274652        
0940500621        
0001436381 No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 11262.44 actual calculation 11772.87 - closing costs  - POC 510.43 =11262.44 (No Data) (No Data)
0401719385 No Approved Lender Exception for loan amount greater than $1MM for two unit property in XXX, NY.  Compensating factors low DTI, residual income $22,000 and excess of $500,000 in liquid reserves. Non-material.  (No Data) (No Data)
0403614567        
0720529663        
0104606822        
0551600189 No Lender approved exception for 1x30 rental history in last 12 months for B1.   Compensating factors due to B2 has demonstrated ability to save and income stability. (No Data) (No Data)
0551600189 No 1.  B1 with less than three tradelines and has no open tradelines..2.  B1 has no credit scores on current credit report dated 4/17/2019.3.  B2 has 1 open tradeline reporting the last 24 months, all other tradelines are closed. (No Data) (No Data)
0127739701 No 6.18.19 - A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.8.19- A Field review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.8.19 - Exception satisfied.
0606585695        
0604972425 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.19.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.19.19 - Exception satisfied.
0780800532 No Final CD dated XXX. Difference on the Calculating Cash to Close, Closing Costs Financed difference is the inclusion of Closing Costs Paid Before Closing. CD reflects $1081.95 and correct total is $1066.52. Closing Costs paid before Closing were $15.43. (No Data) (No Data)
0562672333        
0215893857 No Numeric Non-Material Error: Final CD XXX Other Costs; Prepaid Interest $65.34 per day from 06/10/2019 to 06/30/2019 is inconsistent with its line total of $1,372.14. 7.3.19 - Client responded. Disagree:  6/10 to 6/30 is 21 days.  @$65.34 per day results in prepaid interest of $1372.14.  CD is correct in per diem and prepaid calculations. 7.3.19 - Exception satisfied. 
0296806338        
0887858696        
0981705473 No Provide evidence that an escrow account has been established for flood insurance premiums.  Per guidelines Flood insurance escrows are mandatory and cannot be waived, even if escrows for taxes and hazard insurance are waived.   7.2.19 - Client responded. Providing screen print of servicing records reflecting Flood Insurance escrow 7.2.19 - Exception satisfied.
0270508065        
0117846092        
0730240498        
0490826421        
0253656178 No CD XXX: Seller fees disclosed on the seller's CD are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0809719169 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5156.21CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4525.78. Difference is POC's of $630.43.  (No Data) (No Data)
0809719169 No Lender approved exception in file for Unacceptable Property Type due to Insurance Rating A-.    (No Data) 8.12.19 -  Clayton considers non-material based on Compensating factors include 804 credit score, 680 required; Reserves totaling $353,842.32 or 97.29mo, minimum 12mo required and the DTI is 24.72%; Maximum for program is 43%. 
0809719169 No Appraisal is subject to combination of units XXX and removal of one kitchen without completion certification in file.  It is noted file contains an fully executed escrow holdback agreement for $50,000 (collected on Final CD) with estimated completion or on before XXX; and meets Lender requirements for the Combined Cooperative Process. 08.13.19 - Client responded. Per client this loan meets the Combined Cooperative Process per lender guides which allow an escrow for completion since the combining cannot take place until after close.  08.13.19 - Exception satisfied.
0252682929        
0441247330 No Missing verification of housing payment history for current residence (renting); UDS reflects lender documented the current housing history for the past 2 months at $3650, however only one verification check dated 1/18/19 was found by review.  8.9.19 - Client responded. 2 months XXX statements attached to verify monthly housing (rent) payment of $3650 to XXX for XXX NY. Prior address XXX PA. Underwriting notes attached to document 12-month housing history. 8.9.19 -Exception satisfied. 
0441247330 No Credit Report Dated 2/6/2019; Note date is XXX.  Guideline maximum is 120 days.  8.9.19 - Client responded. Note date was XXX. Per lender guidelines, a 10-day variance is allowed. Ability to repay documented in decisioning logic. Compensating factors 1- Decreasing housing payment  2- Substantial down payment from the borrowers' own funds  3- Documented savings pattern  4- Substantial cash reserves  5- High level of residual income  6- Exceptional credit history  8.9.19 - Exception satisfied. 
0121103743 No CD dated XXX: Seller's CD disclosed seller paid fees that are not disclosed on the borrower's CD. Exception satisfied. (No Data) (No Data)
0121103743 No Ten tolerance of $75.00. Cure of $65.00 provided on the final CD dated XXX. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $10.00 for increase in recording fee from $100.00 to $175.00 ten percent tolerance fees. 7.8.19 - Client responded. Disagree.  Recording fee baseline is $100.00 + 10% = $110.00.  The recording fee increased from  $100.00 to $175.00.  Over tolerance by $65.  The consummation CD disclosed in Section J Lender Credits including $65.00 credit for increase in Closing Costs above legal limit.  This $65.00 credit is sufficient to cover the recording fee refund.  There is not a need for a change circumstance letter or any additional refund to the borrower. 7.8.19 - Exception satisfied.
0230969268 No Seller CD shows Transfer Tax in section E and RE Commission Fee in Section H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0230969268 No Missing 12 month mortgage verification from XXX with payment of $2,868.87; Mortgage history not reporting on credit report.  7.12.19 - Client responded. A 12-month VOM was not required for REO XXX. A recent mortgage statement was obtained from XXX with all pertinent account information. Loan statement and 3 months recent bank statements attached to support account information and monthly payments of $3068.87 to include $200 principal curtailment (2868.87 + 200 = $3068.87). 7.12.19 - Exception satisfied. 
0839714127 No Missing taxes and insurance for XXX. 7.18.19 - Client responded. Verification of taxes and insurance for non-subject property XXX attached (2 attachments). Monthly payment breakdown; 3422.43 + 1160.62 (taxes) + 86 (insurance) = $4669.05 PITI.   7.18.19 - Exception satisfied. 
0839714127 No Missing taxes and insurance for XXX. 7.18.19 - Client responded. Verification of taxes and insurance for non-subject property XXX attached (2 attachments). Monthly payment breakdown; 3422.43 + 1160.62 (taxes) + 86 (insurance) = $4669.05 PITI.   7.18.19 - Exception satisfied. 
0699329754 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 XXX department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0209053411 No Finance Charge Difference of $224.38. Final CD XXX Finance Charge shows as $731,651.49, Values verified, Clayton Calculation is $731,875.87. Corrected on PCCDXXX showing Finance Charge of $731,875.87. Exception Satisfied. (No Data) (No Data)
0209053411 No The Amount Financed value of $1,088,946.11 disclosed in Loan Calculations on CD XXX does not match the Clayton calculation of $1,088,721.73. Corrected on post CD to clayton calculations value of $1,088,721.73. Exception Satisfied. (No Data) (No Data)
0608285982 No Lender approved exception in file for  credit score of 676 vs. minimal required of 680 credit score.  Compensating factors include; DTI is 27.75%, max per guidelines is43%,verified post-closing reserves $141,112.95 or 18.80 months, guidelines require 12 months PITIA and Borrower has been employed for 13 years. Clayton considers non-material. (No Data) (No Data)
0608285982 No Verbal verifications for both borrowers are dated 06/04/2019, or more than 20 business days prior to XXX note date. (No Data) (No Data)
0424791346 No Non-Numeric Error: Final CD XXX Loan Costs; Section C all fees listed are missing the provider/payee names. (No Data) (No Data)
0424791346 No Numeric - Tolerances Error: Ten percent tolerance fee; Recording Fee increased without a valid reason from $127.00 on LE XX/XX/XXXX to $243.95 CD XXX. The highest 10% valid increase for this fee is $139.70.Refund required for the difference in the amount of $104.25 within 60 days of consummation with a letter of explanation, post consummation CD and proof of delivery.  7.12.19 - Client responded. Disagree:  10% tolerance bucket decreased from $127 to $120 from the initial LE to Final CD.  $123.95 was charged for a Natural Hazard Report, and according to XX State Fee Chart, this type of fee has an unlimited tolerance and should be listed in Section E of the CD.  See Attached. 7.12.19 - Exception satisfied. 
0220897833        
0274862710 No Cd XXX (1): Only page 1 provided. Missing pages2-5. Please provide completed Cd including all pages.  7.31.19 - Client responded. Disagree:  initial CD XXX attached and final CD attached 7.31.19 - Exception satisfied.
0274862710 No The credit report is dated XX/XX/XXXX.; The Note is dated XXX.  Per guidelines, the maximum age of documents on or before the date printed on the Note is 120.  The credit report is dated 126 days prior to the Note. 8.6.19 - Client responded. Per lender guidelines, a 10-day variance is allowed. Ability to repay documented in decisioning logic. Compensating factors 1- High level of residual income remaining after all monthly debt considered  2- Income the borrower receives but was not used to qualify  3- Documented savings pattern  4- Substantial down payment  5- Exceptional credit history 8.6.19 - Exception satisfied. 
0014653295 No Lender approved exception for vesting as: XXX as tenants-by the-entirely as to a 2/3 ownership and the XXX as to a 1/3 ownership and tenants in common with XXX.  Based on Title vesting matching Mortgage vesting and compensating factors of DTI 17.64% and LTV 51.37% Clayton considers non-material. (No Data) (No Data)
0877940921 No Missing 12 months Rental History in the amount of $3150. (No Data) (No Data)
0515091953        
0227889966 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 20399.60CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 19769.17.  Difference inclusion of POC> (No Data) (No Data)
0227889966 No LE:XX/XX/XXX [Last LE], Section: General LE Information, Field: Confirmed receipt date, Value: XX/XX/XXX.  LE dated XX/XX/XXX sent prior to CD dated XXX, but was confirmed receipt on XXX.  7.18.19 - Client responded. See attached docs.  Cover sheet is attached dated of XX/XX/XXX, with page 2 showing that the LE was emailed out to borrower (see borrowers email address on the top of page 2). 7.18.19 - Exception satisfied. 
0227889966 No Initial CD issue date is XXX, closing date is XXX, and the 3 day waiting period was not met. 7.22.19 - Client responded. Disagree with Investor: CD was sent electronically on XXX and acknowledged by the borrower. See attached Disclosure Tracking. Loan closed onXX/XX/XXX  No 3day Timing violation. 7.22.19 - Exception satisfied. 
0227889966 No Lender approved exception for 1 x30 late rental payment in the last 12 months. Compensating factors include,  43% LTV, max allowed per guidelines is 70%, the borrower has been in current profession for 17 years and 698 qualifying score. Min required per guidelines is 680. Clayton considers non-material. (No Data) (No Data)
0227889966 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered. 8.1.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.1.19 - Exception satisfied.
0270369463        
0309200777        
0725058729 No Seller-paid Fees Real Estate Broker (S) & (B) should be disclosed in Section H is not disclosed. Exception satisfied.  (No Data) (No Data)
0816584592 No Final CD XXX Calculating Cash to close table CD column reflects Adjustments and Other Credits as $3,260.08.Clayton calculation $23,600.12.  This is due to Escrow Holdback Funds was put in section K Line 04 and should be inSection K line 05 under adjustments. Requires LOX and PCCD correcting.  (No Data) (No Data)
0816584592 No Final CD: XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0505240749        
0562077712        
0816825254 No Credit report dated 02/21/2019 is more than 120 days prior to Note date of XXX.  Based on 16.91% DTI, 816 qual score, 29mo. reserves and $21k/mo. residual income, Clayton considers non-material.  (No Data) (No Data)
0576958692        
0734934881 No CD XXX: Seller-paid fees are disclosed on the Sellers CD but not on the borrowers CD. Seller CD is in file. Exception satisfied.   (No Data) (No Data)
0889278303 No Numeric Non-Material Error: Final CD XXX Other Costs; Prepaid Interest $50.86 per day form 06/07/2019 to 06/30/2019 is inconsistent with its line total $1220.64. 7.2.19 - Client responded. Disagree. Prepaid Interest of $50.86 per day times 24 days from 6/7-6/30 is correct at $1220.64. 7.2.19 - Exception satisfied.
0811511938 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD. (No Data) Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. 
0741451368 No Affiliated Business Disclosure not available at the time of review. (No Data) (No Data)
0741451368 No Lender Approved Exception in file for the borrowers being first time home buyers with no mortgage/rental payment history.  Compensating factors include; 794 qualifying score. Min required per guidelines is 680, DTI is 28.40%, max per guidelines is 43% and Post close reserves are $353,870.76 or 80.14 months PITIA, guidelines requires 12 months reserves. Clayton considers non-material. (No Data) (No Data)
0823431480        
0781931152        
0699636347 No Lender approved exception - Missing/ No rental history with 1st time home buyer. Compensating factors  include B2 stable retirement income; borrowers verified strong reserves of $140,000 which is sufficient to cover any unexpected life events and B1 appears to have large increase income per offer letter with additional bonus income which was not used to qualify; B1 credit history is acceptable as well there is no derogatory credit reporting; substantial residual income of $7,577.87.  Clayton considers non-material.  (No Data) (No Data)
0699636347 No Missing purchase contract; Only addendum in file.  Based on compensating factors, credit score 792 and 35.27 Months PITIA, Clayton considers non-material. 8.1.19 - Client responded.  See attached purchase agreement. 8.1.19 - Exception satisfied.
0903724938 No Final CD issued XXX Calculating Cash to close table CD column reflects Adjustments and Other Credits as $129,742.40.  Clayton calculation is $188.38.  This is due to Sewer proration was put in section K Line 05 and should be in Section K line 11 under adjustments for items paid by seller in advance.  Please provide PCCD correcting.  (No Data) (No Data)
0903724938 No Final CD:XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0560820298 No Lender approved exception for 3 month pcl reduction, Low liquid assets at $16,083.06. Compensating factors include 787 qualifying score. Min required per guidelines is 680.  DTI is 35.06%, max per guidelines is 43% and Residual income is $5213.24 Minimum Residual requirement is $4500.00. Clayton considers non-material. (No Data) (No Data)
0560820298 No Lender approved exception for no mortgage or rental history. Letter of explanation in file in file states borrower is currently living rent free with parents at XXX. credit report address XXX is his wife's  Parents address and used as the mailing address only. Compensating factors include 787 qualifying score. Min required per guidelines is 680.  DTI is 35.06%, max per guidelines is 43% and Residual income is $5213.24 Minimum Residual requirement is $4500.00. Clayton considers non-material. (No Data) (No Data)
0436355399 No Seller CD shows Fees in Sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0271385037 No Corrected Closing Disclosure required with ten percent tolerance fees refund, but not provided. Ten percent tolerance of $59.10 due to added recording fee.   Requires LOX and PCCD, proof of delivery. 8.1.19 - Client responded. Disagree.  The consummation CD and the post-consummation CD in file disclosed in Section J Lender Credits for $59.10 for increase in Closing Costs above legal limit.  This lender credit will satisfy the ten percent tolerance of $59.10 due to the increase in the recording fee from $219.00 to $300.00. 8.1.19 - Exception satisfied.
0615433767        
0989747628 No VVOE dated XXXXXX is not within 20 business days of Note Date XXXXXX. (No Data) (No Data)
0800560084 No ROR Expiration date is XX/XX/XXXX; disbursement date per file is XXX.   7.8.19 - Client responded. Agree:  Post Consummation CD with correct disbursement date and per diem start date needed to remedy.   Rescission ended midnight XX/XX/XXXX.  Final settlement indicates funds disbursed on XX/XX/XXXX.  CD has disbursement date and interest start date XXX. Requesting remediation for PC CD with XXX disbursement date and per diem start date.7.9.19 - Client responded. See attached PC CD.7.9.19 - Clayton has reviewed and PCCD with correct Disbursement date provided.  7.8.19 - Exception remains. 7.9.19 - Exception satisfied. 
0074015063 No Final ROR date changed to XX/XX/XXXX. End of rescission was XX/XX/XXXX. Final CD dated XXX indicates a disbursement date of XXX. Requires LOX, PCCD, and proof of shipping. 7.8.19 - Client responded. Agree:  Post Consummation CD with correct disbursement date and per diem start date needed to remedy.   Rescission ended midnight XX/XX/XXXX.  Final settlement indicates funds disbursed on XX/XX/XXXX.  CD has disbursement date and interest start date XXX. Requesting remediation for PC CD with XXX disbursement date and per diem start date.7.9.19 - Client responded. See attached PC CD.7.9.19 - Clayton has reviewed and PCCD provided with correct disbursement date.  7.8.19 - Exception remains. 7.9.19 - Exception satisfied. 
0074015063 No Final CD XXX CCTC Table Closing Costs Financed shows $8807.03. Clayton Calculation is $8576.60. Difference is the POC of $230.43. (No Data) (No Data)
0803622980 No Lender approved exception in file for shortage of XXX reserves.  Compensating factors include 774 qualifying score. Min required per guidelines is 680,DTI is 39.33%, max per guidelines is 43% and the borrower has been in current profession for 15 years. Clayton considers non-material.  (No Data) (No Data)
0803622980 No The loan file is missing EXECUTED evidence that the XXX Heloc ending #XXX   is paid and closed to future draws.   8.6.19 - Client responded. See attached Letter from XXX that states HELOC is closed. Closing disclosure shows this was paid off at closing (page3) 8.6.19 - Exception satisfied. 
0220304998        
0900548734 No ROR Expiration date is XX/XX/XXXX; disbursement date per file is XX/XX/XXXX. 7.26.19 - Client responded. "Disagree.  ROR Expiration date is XX/XX/XXXX.  The disbursement date per file (consummation CD) is XXX.  The disbursement date occurred after the end of the statutory rescission period on the following business day for XXXXXX. 7.26.19 - Exception satisfied. 
0900548734 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 19465.62CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 18930.19. Difference is POC's of $535.43. (No Data) (No Data)
0415179813 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $8,079.42and CD: XXX, Section: Calculating Cash to Close, Field: XXX Calculation, Value: $7,556.99. Difference is POC's of $522.43.  (No Data) (No Data)
0415179813 No Lender approved exception in file for PCL less than required 12 months on a non borrowing spouse transaction .Borrower is short liquid PCL due to Home Improvements. Compensating  factors include; LTV is 62.89%; max allowed per guidelines is 80%, 788 qualifying score. Min required per guidelines is 680 and the borrower has been employed for over 7 years. Clayton considers non-material. (No Data) (No Data)
0415179813 No Mortgage indicates that Title will be vested in XXX, husband and wife as community property with right of survivorship. Preliminary Title Report indicates that Title will be vested in XXX, a single man. 8.5.19 - Client responded. Borrower requested to add wife to title (LOX attached). XXX Title Escrow Instructions and General Provisions (attached) reflects approved copy of Preliminary Report showing title vested in XXX, husband and wife as community property with right of survivorship. Document is signed (executed) by both XXX. 8.5.19 - Exception satisfied.
0332736607 No Lender Approve Exception: Rental Income:  Borrower has less than 2 years XXX experience.  Base on compensating factors, Clayton considers non material:  1. Full downpayment is from borrower own funds with 91 months of PCL verified. Demonstrated ability to save. 2. Payment shock and housing ratio over 36% are mitigated by the strong residual income/ conservative use of consumer debt.debt / ability to save /increased earning capacity. ATR is found to be supported by comp factors listed. (No Data) (No Data)
0658042986        
0318559143        
0747113264 No Final CD:XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0741375619 No Lender approved exception for 12 month pcl requirement not met.  Compensating factors include Equity in departing residence which is pending sale.  2. Excellent long term credit rating.  3. Rate/Term refinance to lower payment. Clayton considers non-material. (No Data) (No Data)
0519144546 No The Disbursement date per the final CD is XXX. ROR - Disbursement date is before disclosed "midnight of" date.  LOX, NORTC and proof of delivery. 8.1.19 - Client responded. Agree:  Post Consummation CD with correct disbursement date and per diem start date needed to remedy. Rescission ended midnight XX/XX/XXXX.  Final settlement indicates funds disbursed on XXX.  CD has disbursement date and interest start date XXX. New NORTC is not required as Final Settlement Statement confirms disbursement did not occur prior to end of statutory rescission period. Requesting remediation:  PC CD with XXX disbursement date and per diem start date. 8.1.19 - Exception remains. 
0519144546 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10358.74CD: XXX [Last CD], Section: Calculating Cash to Close, Field: ClaytonCalculation, Value: 9723.34Difference is Closing Costs Paid Before Closing $635.43. (No Data) (No Data)
0519144546 No Lender Approved Exception for the credit score of 709 falling below the minimum required of 720. Compensating factors include DTI is 34.70%, max per guidelines is 43%, LTV is 48.09 CLTV is 63.89%  max allowed per guidelines is 70%,  and Verified cash reserves $908,650.62 or 161.13 months, guidelines require 12 months PITIA. Clayton considers non-material. (No Data) (No Data)
0606123206 No CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5963.75CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 5733.32.  Difference is the inclusion of POC. (No Data) (No Data)
0227454551 No Maximum LTV is 80% when DTI is > 35%: Current LTV is 80.99.  Loan $XXX / Appraisal Value $XXXXXX dated 4/22/19 = 80.99%.  Lender used purchase price of $XXX dated XXX.  Per Appraisal Update dated 4/18/19, there have been a decline in market value. 07.12.19 - Client responded. LTV was 79.034%. Original documented purchase price of $XXX was used to determine LTV. The value of $XXXXXX was disputed as not adequately supported. A Residential Appraisal Desk Review was completed (attached). The review appraiser disagreed with the value of $XXXXXX as subject's prior sales price was supported by the comps selected. CRT (Collateral Review Team) reviewed and approved this value of $XXXXXX. Based on market research, the subject's value has not changed from 12 months ago. 7.12.19 - Exception satisfied. 
0907778787 No The Closing Costs Financed (Paid from Your Loan Amount) value of $ 1702.68 disclosed on the Calculating Cash to Close table of CD XXX does not equal the review calculation of $1197.25.  (No Data) (No Data)
0055585721 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10581.98CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 9992.55. Difference is POC's of $589.43. (No Data) (No Data)
0161592098 No Approved Lender Exception for Co-Op Presale Requirements-30% vs 50% on XXX and XXX owns more than 20%-Sponsor owns 70% or 16 units.5/1/19 Exception approved with compensating factors of Low Ratios-24.412%/25.319%, minimal housing payment shock-Current Rent $3350 and Subject PITI $3803.38, 33 months Post Closing Liquidity, Strong residual Income: Commission Income not used to qualify, Current YTD $85,947.99, $161,256.53 for 2018 and $62,832.30 for 2017. Clayton deems non material based on the compensating factors.  (No Data) (No Data)
0352387729        
0301987382 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13153.91CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 12518.48. Difference is POC's of $635.43.  (No Data) (No Data)
0850190511 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 869.29CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 787.06 (No Data) (No Data)
0079816554 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 18177.45CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 17482.45Difference is Closing Costs Paid Before Closing $695.00.CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 18834.97, does not match. Calculating Cash to Close, Field: Clayton Calculation, Value: 18139.97. Difference is POC's of $695.00. (No Data) (No Data)
0078368279        
0518215475 No Final CD: XXX is missing Seller Paid fees Tax Cert, Estoppel, Overnight , Closing & Home Warranty Fees from Seller CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation.  Exception satisfied. (No Data) (No Data)
0615765680 No Initial CD issued XXX; No evidence of e-delivery in file. 7.8.19 - Client responded. Disagree:  CD XXX eDilivered on XXX.  Opened and acknowledged by borrower.  Doc tracking indicates complete on XX/XX/XXXX.  Loan closed on XX/XX/XXXX, no timing violation. 7.8.19 - Exception satisfied.
0067058287        
0305917338        
0574634007        
0251826991 No Satisifed: Borrower's Final CD XXX is missing buyers Real Estate commission paid by seller.  Fee can be sourced on seller Cd. Exception satisfied.  (No Data) (No Data)
0941061264 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2876.43CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2241.00. Difference is POC's of $635.43.  (No Data) (No Data)
0941061264 No $11,492.73 reserves shortfall.  File contains only $29,693.09 post closing reserves. Per the Underwriting Decision Summary in file, it is noted that the borrowers are short 3.27 months of PCL, however, have over $ 830K invested in retirement. Exception review from PCO requested for PCL shortfall. No cash to close noted as borrower is receiving $ 4544.38 at close. Including retirement, borrowers have good asset structure and shown willingness to save. Loan to PCO. There is no exception request or exception approval regarding the reserves shortfall in file. Clayton has reviewed and based on compensating factors of Low DTI @ 29.33% and qualifying credit score over minimum required this is considered non-material.  (No Data) (No Data)
0941061264 No The loan file is missing EXECUTED evidence that the two XXX HELOCs  ending #s XXX  for $85261.65 and #XXX  for $56,760.61 is paid and closed to future draws.   7.16.19 - Client responded. See attached closed out letters and lien release documents for the home Equity lines. 7.16.19 - Exception satisfied.
0941061264 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  8.2.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.2.19 - Exception satisfied.
0191653903        
0114897320 No Final CD XXX discloses closing costs of $9966.19.  Calculated amount is $9443.76. Difference is POC's of $522.43.  (No Data) (No Data)
0981061535 No Numeric Non-Material Error: Final CD XXX Other Costs; Prepaid Interest $86.55 per day from 06/11/19 to 06/30/2019 is inconsistent with its line total of $1,731.00. 7.8.19 - Client responded. Disagree:   6/11 to 6/30 is 19 days and @$86.55, prepaid interest is $1731.  CD correctly disclosed Prepaid Interest of $1731. 7.8.19 - Exception satisfied.
0331945740 No Missing verification of HOI for REO on XXX 7.8.19 - Client responded. Verification of HOI for REO (non-subject) located at XXX attached. XXX, premium amount $1055/12 = 87.92 monthly. 7.8.19 - Exception satisfied.
0331945740 No Seller CD reflects XXX not shown on borrower final CD: XXX. As the fees can be identified this is not an issue. Exception satisfied.  (No Data) (No Data)
0331945740 No Missing verification of HOI for REO on XXX.  Based on 809 qual score and 72 months of reserves, Clayton considers this non-material.  7.8.19 - Client responded. Verification of HOI for REO (non-subject) located at XXX attached. XXX, premium amount $1055/12 = 87.92 monthly. 7.8.19 - Exception satisfied.
0309110868 No The NC Reasonable Net Tangible Benefit to Borrower document is missing from the file. 7.12.19 - Client responded. Disagree: XXX maintains tangible benefit information in system of record.  See attached screen shot. 7.12.19 - Exception satisfied. 
0309110868 No CD XXX Closing Costs financed (paid from your loan amount) value disclosed as $11,977.08; review calculated total to be $11,341.65. Difference is POC's.  (No Data) (No Data)
0394929233        
0910098785 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13546.62CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 13031.19. Difference is POC's of $515.43.  (No Data) (No Data)
0910098785 No LE XX/XX/XXXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. (No Data) (No Data)
0066616826 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -$1,327.18 and CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: $732.18.   (No Data) (No Data)
0066616826 No Missing updated credit report as the credit report exceeds 120 days., Credit report  date: 2/13/19, Note Date: XXX, over 120 days. 8.8.19 - Client responded. Per lender guidelines, a 10-day variance is allowed. Ability to repay documented in decisioning logic. Compensating factors 1- Decreasing housing payment  2- History of devoting a higher percentage of income to housing  3- Substantial cash reserves 4- Exceptional credit history  8.8.19 - Exception satisfied.
0086497165 No Lender approved exception for Foreign borrower Corporate Relocation Without Credit Score is approved. Meet minimum credit guidelines for "relo 111" program. Transaction is relocation  loan with loan amount below $1 million. Have 4 trade lines on credit report. Three are revolving and 1 installment. The installment is an auto lease with 19 mos., which is the oldest trade. VOR covers about 10 mos. For housing. Compensating factors include The borrower has been employed for 6 years,  The borrower has been in current profession for 26 years, and DTI is 28.83%, max per guidelines is 43%.  Clayton considers non-material. (No Data) (No Data)
0739412209 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 8.5.19 - Client responded. Disagree: Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar. 8.5.19 - Exception satisfied.
0739412209 No CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 9062.12CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 8367.12. Difference is POC's of $695. (No Data) (No Data)
0739412209 No The loan file is missing EXECUTED evidence that the XXX HELOC  is paid and closed to future draws.   8.5.19 - Client responded. See attached satisfaction of the HELOC loan and letter to show it was closed out and the CD  (page 3)that shows this was paid at closing 8.5.19 - Exception satisfied.
0270369442 No Original lender on Title was XXX and lender on new note is XXX.  H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 8.9.19 - Client responded. "Disagree: Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar. 8.9.19 - Exception satisfied. 
0270369442 No CD: XXX & Final CD XXX Section: Loan Costs: section (E). Recording Fees not itemized.  (No Data) (No Data)
0270369442 No Missing copy of borrower permanent resident card.  8.7.19 - Client responded. See attached documentation of citizenship/residency status 8.7.19 - Exception satisfied. 
0220654425        
0362699986 No Provide proof of the HOA  dues  in the amount of $74 per month for  XXX which is indicated per 1003 Schedule of Real Estate Owned as a townhome, Only the proof of property taxes are in file  for $3120.34 and homeowners insurance  for $1024. Total Taxes, Insurance  and Association dues = $419.36 7.16.19 - Client responded.  Proof of monthly HOA dues in the amount of $74 for property XXX attached (XXX) attached. 7.16.19 - Exception satisfied.
0362699986 No Final CD:XXX is missing Seller Paid fees from Seller CD.  Processing fee: $1,050Tax Service: $80Appraisal: $770Credit report: $15.43Title Closing: $350Title Closing Pro Ltr: $50Title Lenders Policy: $349Title Recording service: $10Recording fees: $105Prepaid interest: $220.57No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0362699986 No Provide proof of the HOA  dues  in the amount of $74 per month for  XXX which is indicated per 1003 Schedule of Real Estate Owned as a townhome, Only the proof of property taxes are in file  for $3120.34 and homeowners insurance  for $1024. Total Taxes, Insurance  and Association dues = $419.36 7.16.19 - Client responded.  Proof of monthly HOA dues in the amount of $74 for property XXX attached. 7.16.19 - Exception satisfied.
0278901004        
0938395726 No CD XXX -Final seller paid fees that are disclosed on the seller's CD are not disclosed on the borrower's CD. Exception satisfied (No Data) 6/25/2019: Exception satisfied. 
0938395726 No CD: XXX [Last CD], Section: Loan Terms, P&I =  $2,915.48 however the P&I in the Projected Payments section is disclosed as $2,915.47. 7.2.19 - Client responded. Disagree with defect:  $0.01 is within acceptable tolerance. 7.2.19 - Exception satisfied.
0938395726 No Missing evidence of the XXX for $141,545.92 for the departure residence on XX/XX/XXXX, prior to close of this subject transaction on XX/XX/XXXX; Borrower is part of employer's Relocation Program and the Relocation Contract provided in file (pg. 738) which includes the XXX Contract and Disbursement Instructions, has not been completed or executed.  These funds are required for close.  Based on 34.26% DTI, 808 qualifying score, $9,149.19 residual income per month, 32 months of 0x30 mortgage payment history, Clayton considers non-material.  (No Data) (No Data)
0772369516        
0573000250        
0529284218        
0118206840 No Missing HOI and HOA for XXX-Used PITIA to qualify($965.93) 8.5.19 - Client responded. Verification of all components of non-subject PITIA for XXX attached. Condo project (association): XXX. See payment (escrow) breakdown and HOA attachments. XXX account statement (pg 3) reflects $485 payment to XXX. 8.5.19 - Exception satisfied.
0118206840 No CD XXX and XXX Other Costs Section E, Recording Fees not itemized (No Data) (No Data)
0118206840 No XXX #XXX used for reserves; guidelines required 2 months and one month statement documented(2/1/19-2/28/19). 8.5.19 - Client responded. Per lender guidelines, for an HFI to HFI rate/term refinance, only one-month bank statement is required. 8.5.19 - Exception satisfied.
0118206840 No Missing HOI and HOA for XXX-Used PITIA to qualify($965.93) 8.5.19 - Client responded. Verification of all components of non-subject PITIA for XXX attached. Condo project (association): XXX. See payment (escrow) breakdown and HOA attachments. XXX account statement (pg 3) reflects $485 payment to XXX. 8.5.19 - Exception satisfied.
0561283275        
0506658596 No Post Close CD XXX-1 and Post Close CD XXX-2Closing Information Section, File # is missing. (No Data) (No Data)
0506658596 No Final CD XXX,  Calculating Cash to Close, Closing Costs Financed (Paid from Your Loan Amount) amount is stated as $39.71. However after review completed amount calculated to be $0.00Corrected with Post Close CD XXX-1, exception satisfied. (No Data) (No Data)
0506658596 No Lender approved exception for liquid PCL reserve requirement short two months. Based on compensating factors of job stability of 6 years, low LTV of 48.14% and strong residual income of $7,773.30 per month, Clayton considers non-material (No Data) (No Data)
0835241057 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $2,487.91 did not equal the Clayton calculated value $1,792.91.  The difference is paid outside of closing amount of $695.00 (No Data) (No Data)
0092957974        
0236654925        
0933556682 No Per trustee letter dated 4/1/2019, B2 receives monthly distributions of $5591.22 in accordance with the Trust under Will of XXX.  Per the Underwriting Guidelines for Trust Income, the letter must also document the continuance of payments for a minimum of 3 years.  (B2s portion represents <25% of the total qualifying income, therefore 3 years is acceptable as opposed to 5 years.)  The letter is missing the verification of the continuance of the payments.  7.29.19 - Client responded. Income amount was supported. The trustee letter implies the continuance of payments, "The distribution percentage will be carefully reviewed by the Trustee(s) each year, with a goal of providing income to the beneficiaries while allowing the Trust assets to grow". Trust letter attached. 7.29.19 - Exception satisfied.
0367594169 No The loan file is missing EXECUTED evidence that the XXX HELOC  is paid and closed to future draws.   7.16.19 - Client responded. See attached Title policy that shows no 2nd lien (HELOC loan). & the eClosing Disclosure that shows HELOC was paid at closing on page 3of 5. 7.16.19 - Exception satisfied.
0981407942        
0230046852 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2823.61CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2128.61.  Difference is inclusion of POC. (No Data) (No Data)
0679907903 No CD XXX: Seller paid fees are disclosed on the seller's CD however are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0770189372 No Missing appraisal completion cert reflecting repairs have been completed.  1004D completion cert in the file reflects  repairs have not been completed.  Kitchen stove/oven and dishwasher needs installation.  Part of hallway from first floor to second floor is exposed to studs.  Needs finishing of sheetrock, texture and painting.  Cost to cure approximately $2000. 7.8.19 - Client responded. Repairs have been completed. Completion report (1004D) attached. 7.8.19 - Exception satisfied.
0463316254 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10603.81CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9968.38. Difference is POC's.  (No Data) (No Data)
0980776305 No CD XXX Calculating Cash to Close Section, Closing Costs Financed is $16,437.82, system calculation is $15,742.82 a difference of $695.00 the amount paid before closing. (No Data) (No Data)
0812976933 No Cd XXX: Calculating cash to close screen: closing costs financed (paid from your loan amount final total of $12,009.85 does not match reviewed total of $11374.42. Difference is the POC fee's $635.43. (No Data) (No Data)
0291617406        
0727066015        
0712719885        
0664105536        
0754295418        
0114619487 No Missing Required Affiliate Business Disclosure missing  (No Data) (No Data)
0114619487 No CD: XXX [Last CD], Section: Other Costs, Message: Missing Fee in Section H. Other, Field: Fee Name, Real Estate Commission[S] not listed for   XXX (No Data) (No Data)
0114619487 No CD: XXX, Borrower never confirmed CD  7.1.19 - Client responded. Disagree with Investor:   CD XXX eDelivered and confirmed on XXX.   No timing violation.  See attached eTracking. 7.1.19 - Exception satisfied. 
0795163840 No Missing verification of 4/2019 and 5/2019 mortgage payment history for XXX (No Data) (No Data)
0613528485 No No Cert of Compliance or Cert of Exemption in file  7.16.19 - Client responded. See attached copy of Certificate of Exemption. 7.16.19 - Exception satisfied.
0613528485 No CD XXX: Section: Other Costs  Section H:  Real Estate Commission[S] are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0043347347        
0775463925 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.9.19- A Field review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.9.19 - Exception satisfied.
0484031845 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXXCD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX. Difference is POC's of XXX.  (No Data) (No Data)
0484031845 No XXX approved exception - XXX has less than XXX years property management experience with use of rental income, rentals purchased in XXX. Compensating factors include Verified cash reserves $595,819.19  or 174.08 months, guidelines require 12 months PITIA, LTV is 39.44%; max allowed per guidelines is 70% and 808 qualifying score. Min required per guidelines is 720. XXX considers non-material. (No Data) (No Data)
0800752685 No Seller CD shows Fees in Sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0850442092        
0303917489 No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has $964.06actual calculation $893.37 closing costs $1399.10 - POC $505.43 = $893.67 (No Data) (No Data)
0303917489 No Lender approved exception for  non-hifi 3 mo pcl reduction. Clayton considers non-material based on compensating factors. Borrowers have displayed a long-term ability to manage a significantly greater monthly housing payment. New loan terms will reduce monthly payment by approximately $581/month which improves borrowers ability to repay. Stable careers, low DTI of 18.55%. Strong residual income of 19K/mo. (No Data) (No Data)
0810177931        
0566323165        
0580225870        
0930998978 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 9768.88CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9208.45. Difference is POC's of $560.43.  (No Data) (No Data)
0930998978 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.15.19- A Field review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.15.19 - Exception satisfied.
0368237831        
0542524091 No Missing Mortgage and any applicable riders.  Provide copies of missing documents. 7.23.19 - Client responded. See attached Mortgage/DOT and the Rider. 7.23.19 - Exception satisfied.
0542524091 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 14427.57CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 13850.14.  Difference is inclusion of POC. (No Data) (No Data)
0503887961        
0365424102 No RE Commission Fees and Title Closing Fee on Seller CD Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0126493436        
0865898040 No Missing verification of HOA for REO at XXX of $251 per month 7.2.19 - Client responded. Verification of HOA for REO at XXX of $251 per month attached (see Appraisal Report). 7.2.19 - Exception satisfied.
0865898040 No Missing verification of HOA for REO at XXX of $251 per month.  Based on DTI 27.50%, 789 qual score, 40mo. reserves, $33k residual income and 74.55% LTV, Clayton considers non-material.  7.2.19 - Client responded. Verification of HOA for REO at XXX of $251 per month attached (see Appraisal Report). 7.2.19 - Exception satisfied.
0263760287        
0681646535 No CD XXX: the seller's CD discloses seller paid fees that are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0681646535 No Ten tolerance of $82.40. Cure of $64.40 provided on the final CD dated XXX. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $18.00 for difference of increase in recording fees. 7.5.19 - Client responded.  Recording fees increased $75.00 (10% over tolerance amount is $64.40). Increase was covered by the $64.40 Over Tolerance Cure located in Section J of the consummation CD.  This is not a testing defect so corrective action is not required. 7.5.19 - Exception satisfied. 
0004782375 No CD: XXX Calculating Cash to Close Field: Closing Costs Financed is $6,024.89. The review calculates $5,389.46, the difference is Closing Costs Paid Before Closing $635.43. (No Data) (No Data)
0817867709        
0208370098        
0920205108 No Lender approved exception in file for Insufficient # of months cash reserves.  Borrower only having 7.41 months ($73,093.83) when guidelines require 12 months of cash reserves. PCL required $144,582.00/12 months. Compensating factors include: Borrower has been in current profession for 6 years, 774  qualifying score. Min required per guidelines is 680 and LTV is 76.923%; max allowed per guidelines is 80%. Clayton considers non-material.  7.22.19 - Client responded. LVAM approved exception - Reserve (post close liquidity) requirements. Approved under the PCO delegated authority.  7.22.19 - Exception remains. 
0932493229        
0279302868        
0710393521        
0645075884 No Final CD XXX Finance charge understated by -$1634.30, tested PCCD as final,  corrected on PCCD XXX.Exception satisfied (No Data) (No Data)
0645075884 No Final CD XXX, Section: Loan Calculations, Field: AmountFinanced, Value: $1,171,170.58 actual calculation $ 1,169,536.28,tested PCCD as Final CD, corrected on PCCD XXX. Exception satisfied (No Data) (No Data)
0645075884 No CD XXX Other Costs section, Field H: Title-Owners policy missing payee name. (No Data) (No Data)
0645075884 No CD XXX Summaries of Transactions section does not reflect $5830.00 seller credit per Seller CD. (No Data) (No Data)
0645075884 No CD XXX - Other Costs section Field F: HOI is missing payee name. (No Data) (No Data)
0645075884 No PCCD XXX The Interest Rate on the Loan Terms section is 3.75% which does not match the Note Rate of 3.500%. (No Data) (No Data)
0645075884 No CD XXX Loan Costs section, Field B: Closing, courier, lenders policy and loan tie in fees are missing payee name. (No Data) (No Data)
0645075884 No PCCD XXX Loan terms section and projected payments  P & I Payment is $5441.61 which does not match Note payment of $5276.28. 6.26.19 - Client responded. CD XXX with issue date XXX was actually issued on XXX.  XXX internally tacks all LE and CDs issue dates via eTracking.  See attached eTracking history and CD page 1.  Projected closing date was inadvertently populated to issue date field.  Non Numerical clerical error and no remediation required. 6.26.19 - Exception satisfied. 
0645075884 No Final CD XXXX APR 3.506% increased to 3.783% on PCCD XXX, a .277 difference max allowed .125 Corrected CD should have been provided. 6.26.19 - Client responded. CD XXX with issue date XXX was actually issued on XXX.  XXX internally tacks all LE and CDs issue dates via eTracking.  See attached eTracking history and CD page 1.  Projected closing date was inadvertently populated to issue date field.  Non Numerical clerical error and no remediation required. 6.26.19 - Exception satisfied. 
0645075884 No Lender approved exception for unpaid charge-off exceeding $500maximum allowance within 2 years of NSD/ Application date.  B2 has prior adverse credit from credit card 3/2013 and the recent charge-off from NON XXX line of credit 3/2018. The customer has explained the adverse credit and B2 states this was unknown to her. Compensating factors include 792 qualifying score. Min required per guidelines is 680. DTI is 28.72%, max per guidelines is 43% and Post close reserves are $1,523,782.33. Reserves required $6985.68 *12 = $83,828.16. Clayton considers non-material. (No Data) (No Data)
0357154519 No The Borrower Final CD and the Seller CD are both present. Real Estate commission is only listed on the Borrowers Final CD and not on the Seller CD. Exception Satisfied.  (No Data) (No Data)
0357154519 No CD: XXX APR is 3.882% and PCCD dated XXX APR is  4.06% and is unsigned and does not match interest rate on Note. Increase 0.178%. Note rate is 3.875% and PCCD reflects 4%.  8.8.19 - Client responded. Disagree. The with issue date XXX is CD XXX.  CD XXX  was issued on XXX.  The projected close date inadvertently populated to the issue date.  Please see attached doc tracking for CD XXX.  CD# XXX sent electronically and open/acknowledged by borrower on XXX. 8.8.19 - Exception satisfied.
0181967078        
0968523798        
0321503133 No Affiliate Business Disclosure not in file.  Provide copy of missing document. (No Data) (No Data)
0249794483 No CD XXX: Seller paid fees disclosed on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0442040135 No  Finance charge understated by -$300.06, corrected on PCCD XXX. Exception Satisfied (No Data) (No Data)
0442040135 No Final CD XXX Section: Loan Calculations, Field: Amount Financed $395,949.97 actual calculation $395,649.97, corrected on PCCD XXX. Exception Satisfied (No Data) (No Data)
0442040135 No Seller-paid fees are disclosed on the borrowers CD, but it is clear that the seller paid for other items that are not disclosed per the Seller CD. Exception Satisfied (No Data) (No Data)
0343850802 No Affiliate Business Disclosure not in file (No Data) (No Data)
0372770363 No Missing legible copy of Citizenship Passport for verification of stamp placed on passport to replace Green Card 7.9.19 - Client responded. See attached documents regarding residency status 7.9.19 - Exception satisfied.
0516103400 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -3188CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: -2496.00LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -3188CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: -2496.00Calculating Cash to close LE column for Total Closing Costs from CD does not match last provided LE dated XX/XX/XXXX.  (No Data) (No Data)
0516103400 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 902CD:XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 210.00LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 902CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 210.00Calculating Cash to close table LE column for Cash to Close on CD's dated XX/XX/XXXX & XX/XX/XXXX does not match to last provided LE dated XX/XX/XXXX.  (No Data) (No Data)
0516103400 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2086.01CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 1450.58CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1574.10CD: XXX, Section: Calculating Cash to Close, Field: XXX Calculation, Value: 938.67. Difference is POC's of $635.43,  (No Data) (No Data)
0516103400 No PCCD  XXX: Closing information screen: Missing file #. Provide PCCD to correct error.  (No Data) (No Data)
0896301897        
0210536267        
0610787658 No Verbal VOE in file dated 05/08/2019 was completed more than 20 business days prior to note date of XXX. (No Data) (No Data)
0610787658 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  8.8.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.8.19 - Exception satisfied.
0713990299        
0887631462 No Seller Paid Fees disclosed on Seller CD in sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0484776941 No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0484776941 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4799.35CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 4293.92. Difference is POC's of $505.43.  (No Data) (No Data)
0209994227        
0470003451 No CD XXX: Seller paid fees disclosed on the seller's CD are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0779673789        
0739708940 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $10,533.66and CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: $9,998.23. Difference is POC's of $535.43. (No Data) (No Data)
0825052742 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 7151.80 CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 6996.08. Difference is POC's of $155.72.  (No Data) (No Data)
0559095331        
0671237327 No Final CD: XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0671237327 No Lender approved exception in file for  Borrower is First-time without the required 12 months housing history; borrower lives rent free. Compensating factors include; 793 qualifying score. Min required per guidelines is 680, Verified cash reserves $69,558.31  or 22.75 months PITIA, guidelines required 12 months PITIA and DTI is 33.89%, max per guidelines is 43%. XXX considers non-material. (No Data) (No Data)
0996704747 No Cd XXX and Cd XXX: Loan costs screen: Section C: Does not list the name of the provider.Provide a Lox or updated Cd with the correct information provided within 60 days ofconsummation.  (No Data) (No Data)
0996704747 No Missing proof of 12  months satisfactory rental  payment history. (No Data) (No Data)
0071559468 No CD XXX: Seller paid fees disclosed on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0698664444 No CD XXX: Seller paid fees disclosed on the seller's CD are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0498740772 No Missing fully executed evidence that the XXXHELOC has been paid and closed to future draws.   7.1.19 - Client responded. Verification XXX CU HELOC has been paid and closed to future draws attached. XXX CU Payoff Notice and executed Closing Disclosure both reflect payoff amount of $200,274.48 and the Payoff Notice makes note that the credit limit has been frozen. Title Policy attached. 7.1.19 - Exception satisfied. 
0498740772 No Final CD XXX CCTC Table Closing Costs Financed shows as -$209.55. Clayton Calculation is $0. Provide PCCD, LOE and proof of delivery. (No Data) (No Data)
0498740772 No Missing fully executed evidence that the XXX HELOC has been paid and closed to future draws.   7.1.19 - Client responded. Verification XXX CU HELOC has been paid and closed to future draws attached. XXX CU Payoff Notice and executed Closing Disclosure both reflect payoff amount of $200,274.48 and the Payoff Notice makes note that the credit limit has been frozen. Title Policy attached. 7.1.19 - Exception satisfied. 
0816353253        
0374654092        
0203694892        
0283516480        
0290883459 No Missing written statement from the co-borrower confirming the intention to return to active work status at the current employer and the intended date of return.  Statement to be consistent with the employer generated document which confirms a 07/07/2019 return date.  Based on DTI of 26.67% and post closing reserves of 26.27 months PITIA, Clayton considers non-material. (No Data) (No Data)
0783067049 No The appraisal dated 05/21/2019 indicates that the property is subject to completion of repairs due to a roof inspection.  There is no final inspection documented.  7.26.19 - Client responded. Appraiser noted a small water stain in the upstairs bedroom and no other information was known; as a result, a roof inspection was required.  Invoices were provided for work completed; underwriter deemed minor in nature and waived further documentation. Copies of invoices and underwriter notes attached. 7.26.19 - Exception satisfied. 
0121289638 No CD XXX: The following Seller paid fees were disclosed on the seller's CD however not on the borrower's CD, Release Tracking, Sales Tax, Settlement Fee, Sewer, Water. Exception satisfied. (No Data) (No Data)
0243158077 No Lender approved exception - 1x30 mortgage history per mortgage statement in file.  Compensating factors include low LTV of 47.06%; max allowed per guidelines is 80, DTI is 38.39%, max per guidelines is 43., stable income and a future reserves with the sale of departing residence. Clayton considers non-material. (No Data) (No Data)
0243158077 No Lender approved exception - Missing private road maintenance agreement. Per appraiser subject property on private road and no maintenance agreement. Per title company there is no formal private road /driveway access or maintenance agreement. Per title the county maintains the road. Compensating factors include low LTV of 47.06%; max allowed per guidelines is 80, DTI is 38.39%, max per guidelines is 43., stable income and a future reserves with the sale of departing residence. Clayton considers non-material. (No Data) (No Data)
0673273247        
0066303606 No Cd XXX and XXX (1) and XXX (2): Other costs screen: Section E:  Fee's are not itmemized for recording fees. Provide a Lox or updated Cd with the correct information provided within 60 days of consummation date.  (No Data) (No Data)
0593495407        
0965165372 No The Closing Costs Financed (Paid from Your Loan Amount) value on the Calculating Cash to Close table of CD ($17,485.67) does not equal the review calculation of $16,797.24. 7.11.19 - Client responded. Agree: Calculating Cash to Close table >  Closing Cost Financed includes amounts paid before closing.  Closing cost financed should be $16797.24.  Requesting post consummation CD to remedy error. 7.11.19 - Exception remains. 
0820054570        
0596672423 No Lender Approved Exception:  LTV is 76.47%.  Maximum LTV is 75% (2 Unit).  Compensating factors are XXX servicing existing 1st, 15 month payment history, payment reduction of $274 and interest rate reduction. Clayton considers non-material. (No Data) (No Data)
0782534005 No CD: XXX, Section: Other Costs (H) has real estate commission/Seller. Exception satisfied.  (No Data) (No Data)
0168476464 No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds.  Requires LOX, PCCD, New NORTC and proof of delivery. 8.1.19 - Client responded.  Disagree. The ROR rescission period ends midnight of XX/XX/XXXX.  Consummation CD disbursement date disclosed and occurred after the end of the rescission period on XXX.  see attached final CD #003 8.1.19 - Exception satisfied.
0168476464 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3080.83CD: XXX[Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 2550.40.  Difference is inclusion of POC. (No Data) (No Data)
0737690505        
0270034479        
0044700771        
0364707997        
0297958720        
0485993151        
0090341137 No Refers to PC-CD dated XXX the calculating cash to close LE column of the grid does not match the last LE issued XXX. Corrected on PC-CD dated XXX. Exception Satisfied.  (No Data) (No Data)
0591596852 No Non-Numeric Error: PCCD XXX Loan Costs Section C; Line 06 is missing the payee providers name. (No Data) (No Data)
0591596852 No Non-Numeric Error: PCCD XXX Other Costs; Section H; Line 01 and Line 02 are missing the payee providers name. 7.22.19 - Client responded. Disagree with investor. CD with issue date of XXX. The projected closing date of XXX was inadvertently populated to the issue date. The issue date error is NNCE. See attached Disclosure Tracking for CD XXX.   Missing provider names corrected on prelim and consummation CDs.  No remediation required. 7.22.19 - Exception satisfied. 
0480912477        
0905826979 No Final CD XXX is only CD in file. Product not disclosed at least three days prior to closing date of XXX. 7.5.19 - Client responded. CD XXX eDelivered on XXX.  Opened and acknowledged by borrower.  Doc tracking indicates complete on XX/XX/XXXX.  Consummation CD signed on XXX.  No timing violaion.  See attached CD XXX and Doc tracking. 7.5.19 - Exception satisfied. 
0905826979 No CD XXX is the only CD in file. Note issued on XXX.  All documents signed on XX/XX/XXXX. 7.5.19 - Client responded. CD XXX eDelivered on XXX.  Opened and acknowledged by borrower.  Doc tracking indicates complete on XX/XX/XXXX.  Consummation CD signed on XXX.  No timing violaion.  See attached CD XXX and Doc tracking. 7.5.19 - Exception satisfied. 
0560877378        
0511534619 No Cd XXX and Cd XXX: Contact info screen: XXX (B) contact info is incomplete and XXX(S) info is missing. Provide a Lox or updated Cd with the correct information provided within 60 days of consummation. (No Data) (No Data)
0511534619 No Lender approved Exception:  Maximum number of mortgage properties (5) exceeds  guidelines (4).  Compensating factors: (1)LTV/CLTV is less than or equal to 80. (2) Borrowers are purchasing a new primary residence and renting the departing residence; (3) Borrowers are being qualified with full PITIA for departing residence; (4) Borrowers have demonstrated the ability to save $260,527.40- liquid, $22,187.75 - stock & $492,954.76 - retirement; and (5) Borrowers also has shown the ability and willingness to repay as evident shown on the credit report.  Clayton considers non-material. (No Data) (No Data)
0218433957        
0620895732 No Seller-Paid fee: Notary Fee, Reimbursement, Doc Fee, Wire Fees, & Conveyancing Fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD.File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0108477306 No CD: XXX Section: Calculating Cash to Close, Field: Closing Costs Financed is $4,131.33. Review calculates it to be $3,495.90 Difference is Closing Costs Paid Before Closing $635.43.  (No Data) (No Data)
0061710029        
0928812297        
0504910642        
0311641643 No Seller CD not in file to validate any other borrower fees that might have been paid be seller.  7.9.19 - Client responded. See attached sellers settlement statement. This is used for the sellers side per the closing company which shows all the fees paid by the seller. 7.9.19 - Exception satisfied.
0971982118 No Seller CD shows Fees in Sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0226739979 No CD XXX: Seller paid fees are disclosed on the seller's CD section H; however were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0826774490        
0818072354 No Seller-paid Fee; Real Estate Commission[S] should be disclosed in Section H is not disclosed. Seller CD in file . Exception Satisfied (No Data) (No Data)
0515560731 No 1. Missing verification that the departure home was sold (XXX was paid off. Settlement statement missing verifying sale and Borrowers were to receive approximately $439,637.42. 2. Missing LOX for gap in employment.  Borrower has been employed with current employer (XXX) for 1 month.  1003 shows two additional employers in the most recent two year period with XXX both with end dates over 30 days from the start date of current employment.  7.8.19 - Client responded. 1- Final Equity Closing Statement for departure residence 20 Via XXX attached. Proceeds in the amount of $439,637.42 to the borrowers. This was a corporate relocation transaction (buyout). Corporate client, XXX Residential Property Purchase Agreement attached.  2- Summary of employment and explanation attached. The borrower has remained in the same of line of work with steady income for 21 years. Gap(s) have not affected employment stability. 7.8.19 - Exception satisfied.
0515560731 No Provide the missing transactions from April 29th thru May 6 for the XXX.   7.8.19 - Client responded. Sufficient transaction history and details for XXX attached (2 attachments). 7.8.19 - Exception satisfied.
0515560731 No Missing evidence to support the sale of departing home (XXX) with payoff of  XXX  7.8.19 - Client responded. Final Equity Closing Statement for departure residence XXX attached. This was a corporate relocation transaction (buyout). Corporate client, XXX. XXX Services Residential Property Purchase Agreement attached. 7.8.19 - Exception satisfied.
0515560731 No Missing LOX for gap in employment.  Borrower has been employed with current employer (XXX) for 1 month.  1003 shows two additional employers in the most recent two year period with XXX and XXX both with end dates over 30 days from the start date of current employment.  7.8.19 - Client responded. Summary of employment and explanation attached. The borrower has remained in the same of line of work with steady income for 21 years. Gap(s) have not affected employment stability. 7.8.19 - Exception satisfied.
0421849288 No Missing Legible asset statement from XXX. 6.28.19 - Client responded. The most recent two months asset statements from XXX, 401(k) Retirement Savings Plan XXX attached. Continue to enlarge (zoom in) for legibility once the document has been opened. 6.28.19 - Exception satisfied. 
0368887246 No CD XXX stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $5146.65 amount calculated is $4636.22 less $510.43 amount paid by borrow before closing.  (No Data) (No Data)
0270084761 No  Seller CD not in file. please provide 7.29.19 - Client responded. See attached Seller CD. 7.29.19 - Exception satisfied.
0064147689        
0558715091        
0490120386        
0451766372 No A Desk review was received with a reported value of $XXXXXX  which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  8.5.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.5.19 - Exception satisfied.
0297829718 No CD XXX: Seller paid fees disclosed on the seller's CD that are not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0297829718 No $255.03 due to decrease in lender credit from $3,165.00 to $2,909.97 on final CD XXX. Requires supporting COC for decrease in lender credit, or corrected PCCD, copy of refund check, LOX and copy of shipping.  7.12.19 - Client responded. Disagree: Final Settlement dated XXX indicates Lender Credit of $3165 and Buyer Agent Credit of $7500. Final CD Page 2 Paid by Others Column total $10029.57, Page 3 Other Credits line L6 'Agent Credit allocated towards POC-B $635.42. Total credits on CD of $10665 which equals XXX Lender Credit of $3165 and Agent Credit of $7500. Borrower received all Lender Credits. Excluding (L) for lender paid is NNCE. No remediation required. 7.12.19 - Exception satisfied. 
0341025788        
0857740568 No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period  8.2.19 - Client responded. Disagree:  PC CD #XXX with issue date XXX was issued on XXX and is PC CD.  Issue date error is XXX.  CD #XXX  discloses per diem start date  and disbursement date XXX.   Funds disbursed after rescission expiration,   See attached CD #XXX and doc tracking for CD #XXX. 8.2.19 - Exception satisfied.
0857740568 No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period. Date changed on ROR.  Requires LOX, PCCD, New NORTC, Proof of delivery.  8.2.19 - Client responded. Disagree:  PC CD #XXX with issue date XXX was issued on XXX and is PC CD.  Issue date error is NNCE.  CD #XXX  discloses per diem start date  and disbursement date XXX.   Funds disbursed after rescission expiration,   See attached CD #XXX and doc tracking for CD #XXX. 8.2.19 - Exception satisfied.
0857740568 No VOEs dated 5/8/19 for both borrowers are not within 20 business days prior to the Note date XXX. (No Data) (No Data)
0306965487 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value:XXXCD:XXX- [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value:XXX Difference is POC's of XXX (No Data) (No Data)
0306965487 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered. 8.1.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  8.1.19 - Exception satisfied.
0490237911 No Lender to provide documentation to support XXX income calculation for current price $181.06, 52 week average of $123.02 and value of $218.62:  $123.02 + $218.62 = 341.64/2= $170.82.  Based on a DTI of 36.80% excluding the XXX income, Clayton would consider non material. 7.26.19 - Client responded. "Underwriter completed the XXX income calculation on 05-27-2019; an internet search of XXX stock values for the prior business day (05-24-2019) reflected the current stock value as $181.06. The underwriter then averaged the 52-wk high ($218.62) and the 52-wk low ($123.02) to arrive at an average price of $170.82.  Based on borrower's 11,009 unvested XXX shares with vesting to continue until 2/2023 (45 months), underwriter calculated RSU income at $41,790.16.  Copy of underwriter's income calculations, XXX stock prices and XXX RSU vesting schedule attached. 7.26.19 - Exception satisfied. 
0288703543        
0242664653 No Seller CD shows Fees in Sections C, E and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0628490569        
0425758750        
0673437142        
0662650531 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1633.69CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 998.26. Difference is POC's of 635.43.  (No Data) (No Data)
0650924058 No CD XXX: Seller paid fees were disclosed on the seller's CD in section C, E, F and H that are not present on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0350107785        
0547915849 Yes A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.5.19 - A Field review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX .7.8.19 - Client responded. Origination Appraisal: All comparable sales utilized in the original appraisal report are recent sales (within past 2 mo), proximate (within 0.24 miles) and located within the subjects subdivision. In addition, the comparable sales are all similar in site size, GLA, quality, age and physical condition. While comparable 3 has a superior bedroom count, the subject has an office area which could easily function as a 3rd bedroom with minimal work.  Lastly, all comparable sales sold within 39 days on market indicative of a very heated market and therefore a sellers market. The original appraiser provided commentary on the adjustments and justification as to why they were appropriate given the differences in site & GLA. Furthermore, the appraiser commented on the GLA adjustment for more than 100sqft differences at $100 per sf. and site differences valued at $200 per 100sf where differences of more than 1500 sqft are present. The origination valuation was deemed reliable, and the comparables reflect competitive properties with reasonable conclusions made by the appraiser.  The Field Review added a 5th comparable sale, however, it is significantly smaller in GLA and a dated sale with no time adjustment. The Reviewer took no issue with the original appraisers designation of increasing property value, shortage of housing and marketing times under 3 months. All of which undermine the credibility of the Field Review. Lastly, XXX extended financing on the sales price of $XXX and not the appraised value of $XXXXXX. Even if we were to agree the valuation was inaccurate, and we do not, there is no added risk given the higher value. 7.8.19 - Clayton has reviewed and will forward rebuttal to third parties for appraiser review and commentary. 7.18.19 - Third Party appraiser has provided additional comments to support original field review value of $XXXXXX: Additional Comments - 07/11/2019:Although reviewer comparable 5 is a dated sale and much smaller the subject property, it is added to bracket the low end of the range for similar quality and condition homes in this market area. In the reviewer's opinion, property values are not increasing in the market area. They appear relatively stable. No adjustments for date of sale are warranted. Also, based on the 1004MC in the original appraisal, there is an oversupply in demand/supply. The 1004MC indicates there were 15 sales in the previous 12 months and 15 active listings as of the inspection date. Marketing times are typically 0-90 days, but some properties have seen extended marketing times over 90 days. Bedroom adjustment has been removed from comparable 3 due to similar room utility. In the reviewer's opinion, the differences in a city view and a vineyard view did not support any significant adjustment. 7.5.19 - Exception remains. 7.8.19 - Exception remains. 7.18.19 - Exception remains. 
0089439593        
0101480227        
0906788080 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 7.11.19 - Client responded. Disagree: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.7.11.19 - Clayton has reviewed and as subject property is located in California and the XXX this is a non-material issue. The XXX is one of the Circuits that have not issued an opinion on the H-9 versus H-8.   7.11.19 - Exception remains. 
0638205694 No Seller-Paid fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. (No Data) Condition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. 
0174701179 No RESPA: Required Affiliate Business Disclosure missing.  Provide copy of missing document. 7.22.19 - Client responded. See attached Privacy Disclosure, that on page 3 gives the definition of affiliates and than lists them. 7.22.19 - Exception satisfied. 
0802672473 No Evidence that the mortgage was signed by all borrowers signatures for XXX and XXX XXX are missing. 7.30.19 - Client responded. XXX and XXX XXX are non-occupant co-borrowers. Please reference page 39 of 414 of guidelines which indicates co-borrowers do not have to sign the mortgage security instrument unless they take title to the property (title commitment does not reference them as taking title) 7.30.19 - Exception satisfied. 
0834971186 No Lender approved exception for 8 financed properties and less than 50% PCL. Compensating factors include; DTI is 22.66%,max per guidelines is 43%, Borrower has been employed for 5 years, Verified cash reserves $195,202.64   or 67.80 months, guidelines require 12 months PITI and residual income of $10,248.04 monthly, Clayton considers non-material. (No Data) (No Data)
0006465905 No Seller CD shows Fees in Sections C, E and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0006465905 No Lender exception denied for non HFI 3 months PCL reduction.  Required reserves $3334.39 * 12 = $40,012.69.  Borrower has total reserves $41,812.59: liquid reserves $29,469.52 & retirement funds $12,343.09.  Does not meet 50% PCL from retirement account. 6.28.19 - Client responded. Asset verification in file is complete per requirements. Assets verified exceed the 12 month PCL requirement. Per lender guidelines, retirement assets may be used to meet up to 50% of the transaction PCL requirement. However, 50% of the PCL requirement does not have to come from the retirement assets. 6.28.19 - Exception satisfied. 
0933877992 No CD XXX: Seller paid fees are disclosed on the seller's CD however were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0623330256        
0663712905 No CD:XXX, missing Seller paid fees included on the Seller CD (Title-Escrow, Title Messenger, Title Sub Escrow, Title Wire, Document Fees, Notary Services, HOA fees, TC Fee, Zone Disclosure)  No tolerance or exceptions incurred.Exception satisfied. (No Data) (No Data)
0356982593        
0145407784        
0707777758 No Lender approved exception for Co- Borrowers H4 visa.  The Co- Borrower has an EAD card & H4 visa. Compensating factors include DTI is 24.77%, max per guidelines is 43%, 759 qualifying score. Min required per guidelines is 680 and Post close reserves are $86,105.67 or 22.20 months.  Guidelines require 12 months PITIA. Clayton considers non-material. (No Data) (No Data)
0700787243        
0602736645        
0236236963 No Seller Paid fees on Seller CD missing from Final CD: Escrow Fee, Transfer Fee, UtilitiesSeller Paid fees different on Seller CD from Final CD: Transfer taxes. Exception satisfied.  (No Data) (No Data)
0054439636        
0929569653 No Cd XXX: Calculating cash to close screen: Adjustments and other credits screen: Does not state the reason for change. Provide a Lox or updated Cd with the correct information provided within 60 days of consummation. (No Data) (No Data)
0136747360 No LE: XX/XX/XXXX [Last LE], Calculating Cash To Close, Down Payment/Funds from Borrower, $180,000. CD: XXX [Last CD], Calculating Cash to Close, Down Payment/Funds from Borrower - Loan Estimate, $XXXXX.  Values do not match. The difference is $28,970.00.  (Possibly missing LEs. Two Change of Circumstance Forms in file, dated XX/XX/XXXX and XX/XX/XXXX, without LEs reflecting the changes.  This affects all fields on the Calculating Cash to Close table.) (No Data) (No Data)
0136747360 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: - Seller Credits, Value: 0, does not match CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Seller Credits - Loan Estimate, Value: -5000.00 (No Data) (No Data)
0136747360 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: $18712, does not match CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXXXXX (No Data) (No Data)
0136747360 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: $198712, does not match CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: $214195.00. (No Data) (No Data)
0136747360 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: - Adjustments and Other Credits, Value: 0, does not match CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Loan Estimate, Value: -$10597.00. (No Data) (No Data)
0136747360 No CD: XXX [Last CD], Calculating Cash to Close, Adjustment and Other Credits, Did this change? answered 'yes', without an explanation entered.  (No Data) (No Data)
0932548024 No Lender Approved Exception in file for Payment shock does not meet guidelines.  Compensating factors include; 787 qualifying score. Min required per guidelines is 700, DTI is 35.95%, max per guidelines is 43% and Post close reserves are $483,799.70 or 31.11 months PITIA, guidelines requires 12 months reserves. Clayton considers non-material. (No Data) (No Data)
0443692162        
0059336897 No Seller CD shows Fees in Sections C and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0486832131        
0418978919        
0080634606 No CMPTRID3706 - Seller-paid fees not on borrower's final CD, but on seller's CD include: Section C, Escrow Service Fee and Recording Service Fee; Section E. Recording Fee; and Section F. Open Water Fee. Exception satisfied.  (No Data) (No Data)
0080634606 No Both borrowers' VVOEs are dated 6/10/19 and are not within 20 business days prior to the note date of XXX. (No Data) (No Data)
0665164552        
0664319958        
0476061695        
0259519973 No Seller CD shows RE Commission Fees for Buyer and Seller with other fees in H and E that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0259519973 No Lender approved exception in file for proof of liquidation of stocks, bonds, mutual funds, govt securities.  (No Data) 8.6.19 - Clayton considers non-material based on Compensating factors include; 733 qualifying score. Min required per guidelines is 700, Post close reserves are $615,867.48 or 113.66 months, guidelines require 12 months PITIA and  borrower has been in current profession for 10 years. 
0191233684        
0068278377 No Missing executed lease agreement for the following property:XXX, MD  6.10.19 - Client responded. Departure property was not sold as per final 1003.  Payment on this property was included in the net rental income and is accounted for in the DTI.6.10.19 - Clayton has reviewed and borrower still owns departure residence and payment included in DTI.  6.10.19 - Exception satisfied. 
0068278377 No MD Counseling Notice not in file.  (No Data) (No Data)
0068278377 No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. Exception satisfied.  (No Data) (No Data)
0068278377 No Missing executed lease agreement for the following property:    XXX, MD Clayton considers as non-material based upon the following compensating factors:   766 FICO, low DTI (15.36%), additional documented income that is not being used in qualifying, and stable employment (12+ years at same job). (No Data) (No Data)
0068278377 No Missing executed CD evidencing the sale of XXX (departure residence) 6.10.19 - Client responded. Departure property was not sold as per final 1003.  Payment on this property was included in the net rental income and is accounted for in the DTI.6.10.19 - Clayton has reviewed and borrower still owns departure residence and payment included in DTI.  6.10.19 = Exception satisfied. 
0094707647 No Missing PDA to support original appraised value. 6.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  6.5.19 - Exception satisfied.
0249547490 No The loan file is missing executed evidence that the XXX HELOC is paid and closed to future draws; form in file not executed.    6.11.19  - Client responded and designated loan as Non-QM.6.20.19 - Client responded. Proof HELOC closed per Final Title provided. Loan now meets QM.  6.11.19 - Exception Satisfied.6.20.19 - Exception satisfied. 
0249547490 No The loan file is missing executed evidence that the XXX HELOC is paid and closed to future draws; form in file not executed.    3.25.19 - Client responded. See #15 on attached page 4 of 8 of closing instructions to title3.25.19 - Clayton has reviewed and closing instruction to title does not suffice. Please provide final title reflecting lien paid. 6.14.19 - Client responded. Copy of final title provided and reflect no lien for HELOC thus confirms was closed.  3.25.19 - Exception remains. 6.14.19 - Exception satisfied. 
0679930322        
0410770320 No Lender approved exception for borrowers being short 1.2 months PCL.  This was only a temporary exception as this loan closed XX/XX/XXXX and the borrowers closed on their departure located at XXX, PA XX/XX/XXXX. Compensating Factors; The borrowers credit scores are 789 and 779, excellent housing and credit history reporting, both borrower's receive bonus income which is not being used. The borrowers clearly demonstrate the ability to repay with strong residual income.  Clayton considers non-material. (No Data) (No Data)
0638614530 No Numeric Non-Material Error: Final CD XXX Other Costs; Prepaids; Line 05 is missing the number of months covered for Town Taxes. Requires LOX and PCCD. (No Data) (No Data)
0638614530 No Numeric Tolerances Error: Zero tolerance fee "% of Loan Amount [Points]" increased to $6,584.38 XX/XX/XXXX (prior to closing XX/XX/XXXX) from $1,881 on LE XX/XX/XXXX without a valid reason; refund required in the amount of $4,703.38 within 60 days of consummation with a letter of explanation, post-consummation CD and proof of delivery.    7.16.19 - Client responded. Disagree. Discount points in the amount of $4,703.13 were added to the Closing Disclosure issued XXX with a valid change circumstance of Rate Lock per file evidence. The apparent increase of $4,703.38 is due to rounding on the LE. The borrower would not be due a refund.  Copy of changed circumstance and Closing Disclosure dated XXX is attached.  This is not a testing defect so no corrective action is required. 7.16.19 - Exception satisfied.
0638614530 No Non-Numeric Error: Final CD XXX Projected Payments "Other" is marked and "YES" is present but a description of the escrowed item included is missing. Requires LOX and PCCD.  7.16.19 - Client responded. Agree. "Other" box is checked in the ETIA section without a description. Village Tax, School Tax, or Addl. Costs should be listed. Contacting Correspondent Lender for corrected CD.7.29.19 - Client responded. See PC CD and LOX correcting error.  7.16.19 - Exception remains. 7.29.19 - Exception satisfied. 
0469187537 No DTI exceeding 43%: DTI 56.52% based on total income $15,893.75; PITI $5805.85, debts $116 and negative rental income $3061.50. Per 1008 DTI 40.35% on lenders income $15,303.60; PITI $5805.85, debts $140 and negative rental $229.71 7.11.19 - Client responded. Base salary of $10,000 per month is supported for XXX and is supported by 2018 W-2 showing $169386.83 in earnings.  XXX base income of $5893 is supported by paystubs. Borrower is only 7.14% owner of property at XXX as evidenced by conveyance deed and CPA letter attached.7.11.19 - Clayton has reviewed and based on percentage of ownership of rental property re-calculated and DTI now at 36.96% and within tolerance.  7.11.19 - Exception satisfied. 
0469187537 No CD XXX-XXX: Section: Other Costs Section F: Other Tax Expense 1 is missing the number of months for tax amounts.  (No Data) (No Data)
0469187537 No DTI 56.52% based on total income $15,893.75; PITI $5805.85, debts $116 and negative rental income $3061.50. Per 1008 DTI 40.35% on lenders income $15,303.60; PITI $5805.85, debts $140 and negative rental $229.71 7.11.19 - Client responded. Base salary of $10,000 per month is supported for XXX and is supported by 2018 W-2 showing $169386.83 in earnings.  XXX base income of $5893 is supported by paystubs. Borrower is only 7.14% owner of property at XXX as evidenced by conveyance deed and CPA letter attached. 7.11.19 - Clayton has reviewed and based on percentage of ownership of rental property re-calculated and DTI now at 36.96% and within tolerance.  7.11.19 - Exception satisfied. 
0338543117 No Missing Seller CD.  Provide copy of missing document. 8.2.19 - Client responded. Agree - contacting Correspondent Lender to provide.8.12.19 - Client responded. Correspondent Seller advised consummation CD includes all borrower and seller info.  Alta Statement Provided 8.2.19 - Exception remains. 8.12.19 - Exception satisfied. 
0076034244 No Per CD, funds required for closing are $232,297.46. Verified assets are $321,854.23 with liquid assets of $220,563.06.  Borrower is short $11,734.40 liquid assets for closing.   6.28.19 - Client responded. Please see attached closing statement on the departure residence. It is unclear whether the excess deposit of $59,500 (line 01) was included by the TPR. With those funds, there would have been sufficient liquid assets for closing and reserves. 6.28.19 - Exception satisfied. 
0076034244 No Required reserves are $61,224.84 ($5,102.07 x 12). Post closing reserves are $89,556.77 (all retirement funds.) Per GL, only 50% of the required reserves may come from retirement accounts.  Maximum reserves allowed from retirement accounts $30,612.42. 6.28.19 - Client responded. Please see attached closing statement on the departure residence. It is unclear whether the excess deposit of $59,500 (line 01) was included by the TPR. With those funds, there would have been sufficient liquid assets for closing and reserves. 6.28.19 - Exception satisfied. 
0074608583        
0815205008 No Refers to all CD's: Section: Other Costs Section H: Home Warranty Policy & Natural Hazard Disclosures fees have the payee name listed as TBD.  (No Data) (No Data)
0820238192        
0536059734 No Seller-paid Fees; Real Estate Broker (S) & (B)  that should be disclosed in Section H is not disclosed. Exception satisfied.  (No Data) (No Data)
0536059734 No Numeric - Tolerance Error: Zero tolerance fee; Appraisal Desk Review $430.00 was added to LE XX/XX/XXXX without a valid reason and continued to be re-disclosed/charged to the borrower until closing on XXX; refund required within 60 days for the amount of $430.00 with a letter of explanation, post-consummation closing disclosure and proof of delivery. 7.18.19 - Client responded. Disagree with investor. A loan amount increased and the rate was locked on XX/XX/XXXX when the appraisal desk review fee was added. If the borrower reduces the amount of down payment and that causes the loan amount to increase it is acceptable for all fees to change except for the credit report fee, tax service fee and recording fee. As the fee that changed is the addition of the appraisal desk review no refund is needed. Date of Change XX/XX/XXXX, LE was issued on XX/XX/XXXX. COC attached. 7.18.19 - Exception satisfied. 
0062990195        
0919169719 No Initial CD issued on XXX but was electronically signed on XXX.  Final CD issues on XXX was Hand Signed at closing on XXX. Need evidence that borrower actually received Initial CD at least 3 days prior to consummation.  6.27.19 - Client responded. Contacting Lender Client for XXX CD disclosure tracking. Pending remediation.7.31.19 - Client responded. See attached e-consent and tracking documents. 6.27.19 - Exception remains. 7.31.19 - Exception satisfied. 
0919169719 No A Desk review was received with a reported value of $XXXXXX which is a variance of -XX% less than the original appraised value of $XXXXXX. A field review has been ordered.  7.2.19- A Field review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.2.19 - Exception satisfied.
0314525818 No Loan Disclosures section did not include "you declined it" or "your lender does not offer one" designation regarding an Escrow account. 8.15.19 - Client responded.  See attached PC CD 8.15.19 - Exception satisfied. 
0109022750        
0555584903 No Written List of Providers not provided,  Provide copy of missing document. (No Data) (No Data)
0555584903 No Seller CD and Borrower Final CD provided but only Seller CD reflects Real Estate Commissions. Exception satisfied. (No Data) (No Data)
0235966420 No 10% Tolerance Violation of $40.80 due to Recording Fee increase from $92 to $142. Provide PCCD, LOE, Refund check of $40.80 and proof of delivery. 7.26.19 - Client responded. "Disagree with investor. The CD issued XXX disclosed an increase in the Recording Fees in the amount of $50, with a valid Change Circumstance reason of a XXXXX Cert being required and meets 3 day timing.  Copy of Changed Circumstance is attached.  This is not a testing defect so no corrective action is required. 7.26.19 - Exception satisfied. 
0738455154 No Final CD:XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired.     Exception satisfied. (1) (No Data) (No Data)
0738455154 No Seller paid Real Estate commissions were not disclosed on borrower's final CD XXX. Exception satisfied.  (No Data) (No Data)
0541467369        
0793113456        
0865538373 No PCCD XXX Seller-paid Fees; Real Estate Broker commissions should be disclosed in Section H is not disclosed. Exception satisfied.  (No Data) (No Data)
0191113412 No CD: XXX Calculating Cash to Close section LE Column is missing (-) for Adjustments and Other Credits. Corrected on post CD XXX. Exception Satisfied. (No Data) (No Data)
0191113412 No CD: XXX Calculating Cash to Close section LE Column is missing (-) for Adjustments and Other Credits. Corrected on post CD XXX. Exception Satisfied. (No Data) (No Data)
0113262635        
0294024168 No Need evidence the borrower signed an electronic consent prior to issuance of the CD dated XXX. 7.12.19 - Client responded. eConsent has been provided. Please see attached 7.12.19 - Exception satisfied. 
0294024168 No Need evidence the borrower signed an electronic consent prior to issuance of the LE dated XX/XX/XXXX. 7.12.19 - Client responded. eConsent has been provided. Please see attached 7.12.19 - Exception satisfied. 
0600624223 No Please provide evidence the borrower signed an electronic consent prior to issuance of LE dated XX/XX/XXXX. 7.15.19 - Client responded. See attached eConsent 7.15.19 - Exception satisfied.
0734191956        
0274317164        
0983148372        
0251669613        
0538503257 No  List of homeowners counseling organizations was not provided in the supporting documents in the file.  Provide copy of missing document. (No Data) (No Data)
0538503257 No Affiliate Business Disclosure Was not provided in the supporting documents in the file.  Provide copy of missing document. (No Data) (No Data)
0538503257 No Need evidence that borrower acknowledged receipt of CD 6 days prior to consummation.  8.2.19 - Client responded. Disagree:   CD issued on XXX.  Presumed delivery per eRegulations 1026 is XX/XX.   Earliest close date is XXX.   Loan closed on XX/XX/XXXX.  No timing violation. 8.2.19 - Exception satisfied.
0779242235 No Seller-paid fees are disclosed on the Sellers CD but not on the borrowers CD. Seller CD is in file. Exception can be satisfied. (No Data) (No Data)
0779242235 No $175 zero tolerance due to Inspection Fee not disclosed on original LE XX/XX/XXXX; No CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 8.9.19 - Client responded. See attached Change of Circumstance. 8.9.19 - Exception satisfied. 
0220133462 No All CD's, Other Costs section F, Property taxes are missing the number of months collected.  Requires LOX, PCCD. (No Data) (No Data)
0681000107        
0012566650 No Seller-paid fees are disclosed on the Sellers CD but not on the borrowers CD. Seller CD is in file. Exception satisfied. (No Data) (No Data)
0926988888        
0333914245 No Seller CD: XXX, Closing Cost Details, Other Costs, H. Other, fees paid by the Seller include Real Estate Commission Fees paid to Buyer's and Seller's Brokers.  Borrower's final CD: XXX,  Closing Cost Details, Other Costs, H. Other, does not include Seller paid fees.  Exception Satisfied (No Data) (No Data)
0633877587        
0357732170 No Final CD XXX-1 and PC CD XXX-1, Transaction Information Section missing sellers address (No Data) (No Data)
0357732170 No Seller CD reflects Real Estate Commissions not on the borrower's final CD section H. Exception satisfied.  (No Data) (No Data)
0834479706 No Seller Paid fees required to be disclosed on Borrower CD page 2. Per Seller CD seller paid $4354.80 Transfer tax, $225 Recording fee and $50 wire. Per Seller CD exception satisfied (No Data) (No Data)
0834479706 No  Seller-paid Fees Real Estate Broker (S) & (B) should be disclosed in Section H is not disclosed. Per seller CD exception satisfied (No Data) (No Data)
0881208000 No List of homeowners counseling organizations not in file (No Data) (No Data)
0369324291 No List of homeowners counseling organizations not in file. (No Data) (No Data)
0369324291 No Written List of Providers not provided  (No Data) (No Data)
0369324291 No Home Warranty for $90 is not designated for optional . (No Data) (No Data)
0516785171        
0939010384 No Missing evidence that the XXXXX HELOC has been closed to future draws; Payoff statement in file pg. 1145 is not executed by the borrowers as is required. 7.31.19 - Client responded. See attached statement which shows this is a request to PAYOFF AND CLOSE this HELOC account. 7.31.19 - Exception satisfied.
0939010384 No CD: XXX, Section: Closing Information, Field: Are the Closing, Transaction and Loan Information sections properly formatted?, Value: No. File # is missing. (No Data) (No Data)
0939010384 No Missing evidence that the XXXX HELOC has been closed to future draws; Payoff statement in file pg. 1145 is not executed by the borrowers as is required.  Based on 812 qual score, 18mo. reserves and $10k/mo. residual income, XXX considers non-material.  7.31.19 - Client responded. See attached statement which shows this is a request to PAYOFF AND CLOSE this HELOC account. 7.31.19 - Exception satisfied.
0688779392        
0455285917        
0788847829 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 8.5.19 - Client responded. Disagree: Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar. 8.5.19 - Exception satisfied.
0666119333 No Real Estate Commission is listed on Seller CD only.  Exception Satisfied. (No Data) (No Data)
0666119333 No CD issued on XXX that was unsigned.  Final CD issued one day later on XXX.  Requires proof of receipt for CD dated XXX. 8.14.19 - Client responded. "Disagree.  Unsigned initial CD issued XXX meets 3 day mailing + 3 day waiting period prior to consummation CD issued and signed on XXX. The APR was within tolerance from initial CD XXX to consummation CD XXX. Evidence of delivery of the preliminary CD XXX 3 days prior to consummation is not required as none of the 3 items requiring a new 3 day waiting period were met (1) APR was not inaccurate (2) loan product did not change (3) prepayment penalty was not added. 8.14.19 - Exception satisfied. 
0181002629        
0523468246        
0410865514 No Satisfied: CD XXX: Seller-Paid fees indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. Exception satisfied.  (No Data) (No Data)
0410865514 No Satisfied: CD: XXX, Section: Contact Information.  The Sellers fee in section H is missing.  Sellers Fee are in section H on Sellers CD.  Exception satisfied.  (No Data) (No Data)
0268246342 No CD XXX Other Disclosures Section, Loan Acceptance disclosure not present; Confirm Receipt section is not  present. Addendum to CD found with signatures. Exception satisfied.  (No Data) (No Data)
0860532739        
0277591816 No MD Counseling Notice missing. (No Data) (No Data)
0277591816 No CD dated XXX, Section B, lines 03 and 04 list are missing payees. (No Data) (No Data)
0277591816 No Final CD dated XXX in file but illegible. Please provide a legible copy. 8.7.19 - Client responded. Disagree. Legible copy of consummation CD issued XXX attached. 8.7.19 - Exception satisfied. 
0277591816 No The appraisal fee increased $35 from LE to CD. CD in file is not final and a cure may be added to lender credits. 8.7.19 - Client responded. Disagree.  Appraisal Fee decreased from $450.00 on initial LE issued XX/XX/XXXX to $410.00 on consummation CD issued XXX. This resulted in a decrease in the Appraisal Fee at consummation. This is not a testing defect so no corrective action is required. 8.7.19 - Exception satisfied. 
0477840790 No CD XXX: Seller paid fees disclosed on the seller's CD were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0477840790 No CD XXX: Seller paid real estate fees are not disclosed on the borrower's CD. Exception Satisfied.  (No Data) (No Data)
0071843758        
0341223784        
0968947723        
0828529500        
0584140247        
0712898631        
0908779737        
0544075285 No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0017539782 No Non-Material - CD: XXX & XXX, Section: Other Costs Section E: Recording fees are not itemized.  (No Data) (No Data)
0017539782 No $38.00 due to addition of Termite Report fee on final CD XXX. Requires supporting COC for fee increase, or corrected PCCD, copy of refund check, LOX and copy of shipping.  8.7.19 - Client responded. Disagree:  PC CD in file. Termite fee inadvertently added to Block B.  Correct block is H.  Termite inspection not required by lender. PC CD correctly discloses in Block H. 8.7.19 - Exception satisfied. 
0017539782 No Lender Approved Exception to allow closing prior to start date of new employment for B2 starting 8-19-2019. B2 is relocating from NY to  AZ.  Compensating factors include; DTI is 32.88%, max per guidelines is 43%, 802 qualifying score. Min required per guidelines is 700 and Verified cash reserves  $226,740.17  or 44.65 months, guidelines require 12 months PITIA. Clayton considers non-material. (No Data) (No Data)
0765930753        
0271547873        
0890245095        
0520518647 No CD dated XXX: Seller's CD disclosed seller paid fees that are not disclosed on the borrower's CD. Exception satisfied. (No Data) (No Data)
0913458034 No Seller CD shows Fees in Sections C and H including RE Commission Fees that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0018314792        
0463060634        
0764377670        
0655512305 No Real estate commissions were listed on the Seller CD, however were not disclosed on borrower's final CD dated XXX.  The Real Estate companies were not disclosed in the Contact information section. Exception satisfied (No Data) (No Data)
0986622593 No Missing full 12 months housing history.  File verified history 9/2018-10/2018 & 12/2018-6/2019. (No Data) (No Data)
0349411859        
0338014495 No List of homeowners counseling organizations not in file 7.26.19 - Client responded. See attached Disclosure Tracking Details document, that shows that the Homeownership Counseling Disclosure was sent on 4/26/19.  The document is not required to be signed and sent back in.7.26.19 - Clayton has reviewed and disagrees. Part of the review is documenting that the Homeowners Counseling was sent out but also that it includes the 10 originations as required. We cannot do that without the document being provided.  7.26.19 - Exception remains. 
0338014495 No Written List of Providers not provided within 3 days of the application date of XX/XX/XXXX. 7.26.19 - Client responded. See attached Disclosure Tracking Details document, that shows that the Settlement Service Provider List was sent on XX/XX/XXXX.7.26.19 - Clayton has reviewed and disagrees...part of the review process is to verify not only if the document was sent but who the providers were on the document to validate if provider was chosen from list or not. We need the SPL to do that.  7.26.19 - Exception remains. 
0338014495 No Missing two consecutive months for XXX Investment Account.  Lender provide one month ending 3/31/19. 7.24.19 - Client responded. See attached statement (page 3 of 46) which shows the 3 month details 7.24.19 - Exception satisfied.
0427690189 No Page 1 of Final CD XXX Costs at Closing Section Total Closing Costs shows as $10,180.91, Other Costs show $4,101.05 and Cash to Close shows $151,696.65. Page 2 and CCTC Table Total Closing Costs show as $10,177.91, Other Costs shows $4,098.05 and CCTC Table Cash to Close shows $154,534.23. Provide corrected PCCD, LOE and proof of Delivery. (No Data) (No Data)
0427690189 No Seller CD shows Title Fee in Section C, Transfer Taxes in Section E and Title Insurance in Section H that is not disclosed on Borrowers Final CD. Exception Satisfied. (No Data) (No Data)
0427690189 No RE Commission Fees located in Section H of Seller CD are Not Disclosed on Borrowers Final CD. Exception Satisfied. (No Data) (No Data)
0889333457 No Seller CD shows Fees in Sections C, E and H including Commission Fees that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0857090473        
0254676620        
0032056229        
0573538987 No Seller's CD: XXX, Closing Cost Details, Other Costs, H. Other, reflects Seller paid Title - Owner's Title Insurance, and Selling Agent's Commission to Borrower's Agent. Borrower's final CD: XXX, Closing Cost Details, Other Costs, H. Other, reflects Borrower paid Title - Owner's Title Insurance, and Borrower's Real Estate Agent's Commission. Neither CD reflects a commission paid to a Seller's agent. The Seller and Seller's agent is one in the same. Exception satisfied.  (No Data) (No Data)
0840213421        
0303588587 No CD's dated XXX and XXX, Other Costs section H, Natural Hazard Disclosure is missing the payee information. Requires PCCD. (No Data) (No Data)
0662980075        
0018307949        
0747873742        
0849501386        
0315243070 No Final CD: XXX missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired. Exception Satisfied.       (No Data) (No Data)
0315243070 No CD XXX: Seller Paid Real Estate fees were not disclosed on borrower's Final CD XXX. Exception satisified.  (No Data) (No Data)
0017684552 No Non-Numeric Error: Final CD XXX Other Costs, Home Warranty Optional designation missing. (No Data) (No Data)
0017684552 No Final CD XXX Seller-paid Fees Real Estate Broker (S) & (B) should be disclosed in Section H is not disclosed. Exception satisfied.  (No Data) (No Data)
0809174118 No Seller CD is missing from the file.  8.14.19 - Client responded. CD includes all borrower and seller information and fees. See attached alta statement. 8.14.19 - Exception satisfied. 
0325320394 No Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. 8.14.19 - Client responded. CD includes all borrower and seller information and fees.   See attached alta statement. 8.14.19 - Exception satisfied. 
0325320394 No Missing CD/HUD1 from sale of property at XXX VA dated XXX reflecting net proceeds to seller $XXX. 8.12.19 - Client responded. See attached settlement statement. 8.12.19 - Exception satisfied. 
0344951668 No Non-Numeric Error: PCCD XXX Projected Payments; Estimated Taxes, Insurance & Assessments "Other" is marked and "No" is stated but the description for the item not being escrowed is missing. (No Data) (No Data)
0688934968        
0286490937        
0024978986 No Seller CD has the fee for Title Indemnity which is not on Final CD XXXSeller CD has Water Cert fee for a different amount than the Final CD XXXCondition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0024978986 No Verified reserves are $41,411.80.  Verified cash reserves are $10,810.79 and remaining $30,601.01 are in 401K.  Required reserves are $40,325.64 ($3,360.47 PITI x 12 months).  Only 50% of reserve requirement ($20,162.82) can come from 401k.  Cash portion of reserves are insufficient by $9,352.03 ($20,162.82 required cash reserves - $10,810.79 verified cash reserves). 8.5.19 - Client responded. See attached statements. There are sufficient reserves in these accounts to satisfy the PCL even though there are other accounts in file. 8.5.19 - Exception satisfied.
0356145732 No Missing Settlement Statement to verify $120,000 proceeds from sale of XXX (departing residence).  Settlement statement also required to verify elimination of PITIA from debt. 7.26.19 - Client responded. See page 11 of attached title report. 7.26.19 - Exception satisfied. 
0214343588 No Seller CD shows Fees in Sections B, E and H including Commission Fees that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0096165014        
0848392930 No Initial application is dated XX/XX/XXXX; written list of providers was delivered XX/XX/XXXX which is not within 3 days of the application date. 1003 shows Address as TBD, however, nothing found in file to verify any other Application Date. 7.12.19 - Client responded. Agree:  Loan Submission Summary indicates application date XX/XX/XXXX.  Earliest dated Loan Estimate XX/XX/XXXX and Service Provider List XX/XX/XXXX.  Does not meet LE timing requirements.   Contacting Correspondent Seller for explanation/remedy7.22.19 - Client responded. 7/19/2019:  Disagree:  1003 dated XX/XX/XXXX is TBD property.   Lender provided Loan Submission Summary with Reg Z app date XX/XX/XXXX.   Earliest dated Loan Estimate XX/XX/XXXX and Service Provider List XX/XX/XXXX are within 3 days and no timing violation.   No remediation required. 7.12.19 - Exception remains. 7.22.19 - Exception satisfied. 
0848392930 No CD XXX: Seller paid fees disclosed on the seller's CD in Sections C and E were not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0848392930 No Initial application is dated XX/XX/XXXX; initial loan estimate was delivered XX/XX/XXXX which is not within 3 days of the application date. 1003 shows Address as TBD, however, nothing found in file to verify any other Application Date. 7.12.19 - Client responded. Agree:  Loan Submission Summary indicates application date XX/XX/XXXX.  Earliest dated Loan Estimate XX/XX/XXXX and Service Provider List XX/XX/XXXX.  Does not meet LE timing requirements.   Contacting Correspondent Seller for explanation/remedy7.22.19 - Client responded. 7/19/2019:  Disagree:  1003 dated XX/XX/XXXX is TBD property.   Lender provided Loan Submission Summary with Reg Z app date XX/XX/XXXX.   Earliest dated Loan Estimate XX/XX/XXXX and Service Provider List XX/XX/XXXX are within 3 days and no timing violation.   No remediation required. 7.12.19 - Exception remains. 7.22.19 - Exception satisfied. 
0797596608 No CD XXX, XXX and Final CD XXX: Section B - Services Borrower did not shop for: Appraisal fee did not include a payee. (No Data) (No Data)
0797596608 No Seller fees reflected on Borrowers CD however seller CD reflects additional fees not listed: $5973.60 Tax stamps, $80 recording fee, $100 discharge fee and payoff delivery fee of $35. Exception satisfied per seller CD (No Data) (No Data)
0797596608 No Missing acknowledgment of receipt of CD 3 days prior to consummation  7.31.19 - Client responded. "Agree:  initial CD issued on XXX.  Presumed receipt is XXX.  Earliest consummation date is XXX.  Loan closed on XX/XX/XXXX.  Does not meet timing requirement.   7/29/10. Remediation requested."8.1.19 - Client responded. See attached CD acknowledgment and e-Consent 7.31.19 - Exception remains. 8.1.19 - Exception satisfied. 
0264339191        
0103481373 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.  XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0135303696 No MD Counseling Notice not in file  7.29.19 - Client responded. See attached. 7.29.19 - Exception satisfied.
0135303696 No CD XXX: Seller's paid fees disclosed on the seller's CD were not disclosed on the borrower's final CD. Seller paid fees added to PC-CD. Exception satisfied.  (No Data) (No Data)
0072021818        
0257889125        
0471883817 No Required Affiliate Business Disclosure missing. (No Data) (No Data)
0471883817 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data)
0471883817 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data)
0512677123        
0266153442        
0005358094        
0335738563 No The Disbursement date per the final CD is XXX.  ROR - Disbursement date is before end of statutory rescission period. 7.22.19 - Client responded. Disagree: Post Consummation CD in file with updated disbursement date of XXX which is after the end of the statutory rescission date of XX/XX/XXXX.  Disbursement date of XXX is confirmed by Final Settlement Statement. 7.22.19 - Exception satisfied. 
0813786666        
0021905027 No CD: XXX: Area:  Other Cost. Section F: Prepaid: There is a discrepancy with the number of months.  The file reflects 0 months.   (No Data) (No Data)
0528942590        
0598390450        
0569743743        
0606952800 No CD XXX: Seller paid real estate commission is disclosed on the seller's CD however is not disclosed on the borrower's CD. Exception satisfied.  (No Data) (No Data)
0117085121 No Seller CD shows RE Commission Fees in Section H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0186536427        
0254824753        
0432632104        
0790956895        
0043410945 No Final CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. However in the Other Costs Section H missing disclosed Real Estate Commission fee for Seller being paid. Exception satisfied. (No Data) (No Data)
0043410945 No Ten percent tolerance for $3.50 for increase Recording Fees and Other Taxes $3.50. Missing COC or Post Close CD with refund check to borrower.  8.5.19 - Client responded. Disagree.  The consummation CD disclosed in Section J Lender Credits for $3003.50.  $3.50 of this lender credit is for increase in Closing Costs above legal limit.  This $3.50 lender credit covers the $3.50 fee tolerance violation for the increase in Recording Fees in the 10% category.  A post-close CD and refund check are not required. 8.5.19 - Exception satisfied.
0598544781 No CD: XXX [Last CD], Section: Other Disclosures Loan Acceptance is not present, even though the signature page is missing. (No Data) (No Data)
0086267747 No Required Affiliate Business Disclosure missing  (No Data) (No Data)
0086267747 No Missing PDA to support original appraised value. 7.29.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX.  7.29.19 - Exception satisfied.
0358013710 No Certificate of Compliance not provided  8.5.19 - Client responded. Disagree.  The Illinois Ani-Predatory Lending Database Program Certificate of Compliance is in the file. See attached. 8.5.19 - Exception satisfied.
0358013710 No CD: XXX, Section: Contact Information has XXX listed; Section: Other Costs (H) shows Real Estate Commission however does not reflect Real Estate XXX on final CD section H or Seller CD section H. Exception satisfied.  (No Data) (No Data)
0926328738        
0723640976 No Initial XXX, Final CD XXX & Post CD XXX, other Costs Section E missing recording amount fees.  (No Data) (No Data)
0723640976 No Final CD XXX and Post CD XXX , Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. However in the Other Costs Section H no fees listed.  Exception Satisfied  (No Data) (No Data)
0135803765 No Lender approved exception for insufficient PCL reserves of 12mo.  Clayton deems non-material based on compensating factors of low DTI 31.37% where maximum is 43.00%, Credit score for PWE is 785 where 700 is required and job stability for B1 exceeding 7 years.   (No Data) (No Data)
0995782722 No Initial ROR was received on XX/XX/XXXX with an rescission period ending XX/XX/XXXX. There is a 2nd ROR in the file received on XX/XX/XXXX, with an expiration date of XX/XX/XXXX. 8.15.19 - Client responded. Loan closed XXX and funds correctly disbursed on XXX.  PC CD in file issued XXX confirms disbursement date and per diem start date XXX.   Rescission reopened on XX/XX/XXXX with incorrect end date of XX/XX/XXXX.   Borrower did not rescind loan.   No rescission defects. 8.15.19 - Exception satisfied. 
0575353480        
0837389883        
0604484454 No Incorrect ROR Form Used - H9 Form Used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form.  7.12.19 - Client responded. Disagree: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.7.12.19 - Clayton has reviewed and subject property is in CA which is XXX court and considered non-material.  7.12.19 - Exception remains. 
0342303190        
0382188727 No Seller CD shows RE Commission Fee and Title Fees in section H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0829283005 No Due to using incorrect Interest Rate and P&I on Initial and Final CD. Corrected on PCCD. Exception Satisfied. (No Data) (No Data)
0829283005 No Final CD XXX P&I is $5608.11, this was corrected on PCCD dated XXX. Exception Satisfied. (No Data) (No Data)
0829283005 No Final CD dated XXX Interest rate is 4.250, this is corrected on PCCD XXX. Exception Satisfied. (No Data) (No Data)
0829283005 No Final CD dated XXX Band 1 total $7114.17, this is corrected on PCCD XXX. Exception Satisfied. (No Data) (No Data)
0829283005 No Final CD dated XXX Fixed Payment $5608.11, this is corrected on PCCD XXX. Exception Satisfied. (No Data) (No Data)
0004177533        
0123191775 No Cd XXX: Loan costs screen: Section B: Does not state the name of the provider for home inspection. Corrected on final Cd XXX. Exception satisfied.  (No Data) (No Data)
0223998272        
0671643698 No The finance charge is under disclosed by $487.00. Final CD dated XXX disclosed finance charge as $582,648.71, review calculated finance charge to be $583,135.71. The following fees were applied towards APR: Origination $7960.00, Flood Cert $7.50, Commitment $695.00, Administrative $495.00, Settlement Closing Fee $395.00, Prepaid Interest $1503.48.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 7.23.19 - Client responded. Disagree.  Seller CD and page 5 of borrower CD indicate XXX is XXXXXX.  $495  Real Estate broker admin fee is non-APR and should be excluded.   Loan passes XXX Finance Charge/APR test.  No remediation. 7.23.19 - Exception satisfied.
0507276822        
0912689985 No The Amount Financed value of $497384.57 disclosed in Loan Calculations on CD XXX does not match the Clayton calculation of $497146.07 - difference of $238.50. 7.31.19 - Client responded. Disagree. Final CD finance charge is overstated $0.08 and in compliance. Final CD APR is accurate and in compliance. No investor sheet was provided but it appears the TPR did not include the Flood Certification $10.50 in their APR calculation and did include the Real Estate Service Broker Fee $249 in their APR calculation. The Real Estate Service Broker Fee is a third party broker fee and would not be included in the APR calculation. This is not a testing defect so no corrective action is required. 7.31.19 - Exception satisfied.
0912689985 No The Amount Financed value of $497384.57 disclosed in Loan Calculations on CD XXX does not match the Clayton calculation of $497146.07. 7.31.19 - Client responded. Disagree. Final CD finance charge is overstated $0.08 and in compliance. Final CD APR is accurate and in compliance. No investor sheet was provided but it appears the TPR did not include the Flood Certification $10.50 in their APR calculation and did include the Real Estate Service Broker Fee $249 in their APR calculation. The Real Estate Service Broker Fee is a third party broker fee and would not be included in the APR calculation. This is not a testing defect so no corrective action is required. 7.31.19 - Exception satisfied.
0169631005 No The Affiliate Business Disclosure was missing from the file.  (No Data) (No Data)
0036207264 No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0036207264 No CD: XXX, & post CD XX/XX/XXXX Section: Other Costs; Section (E) Recoding Fees not itemized.  (No Data) (No Data)
0036207264 No Missing evidence that pool/spa area has been completed.  Although appraisal completed as is, appraisal pictures reflect construction around pool/spa area including empty pool, empty spa and construction materials present, which presents a health and safety hazard.  Appraiser notes that owner estimated a cost to cure of $30,000 which was used as an adjustment in the grid, and borrower's have ample reserves to resolve the issue.   (No Data) 8.8.19 - Clayton considers non-material based on compensating factors of 23.45% DTI, 46 months reserves, 43.44% LTV and $15k/mo. residual income. 
0029862864 No Numeric Non-Material Error: Final CD XXX Other Costs; Section F; Homeowners Insurance is missing the amount of months covered. (No Data) (No Data)
0161273789        
0359438952        
0959447029        
0721443353 No Real estate commissions with dollar amounts listed on Seller CD.  Dollar amounts are  missing from final CD.  Exception Satisfied (No Data) (No Data)
0677144612 No Initial CD XXX, CD XXX and Final CD XXX other Costs Section H missing Payee information for Home Warranty, Natural Hazard Disclosure and Pest Inspection Fee. This was fixed on  Post CD XXX. Exception Satisfied. (No Data) (No Data)
0043145834 No Final CD: XXX Reflects an AP table and this should not be a part of the CD as the loan is a fixed rate loan and not adjustable.  8.15.19 - Client responded. See attached PC CD 8.15.19 - Exception satisfied. 
0696705759        
0621837976 No CD: XXX-1 [Last CD], Section: Calculating Cash to Close - Adjustments and Other Credits is missing the reason for change. Corrected on PC-CD dated XXX. Exception satisfied.  (No Data) (No Data)
0364429822 No Affiliated Business Disclosure not provided.  Provide copy of missing document. (No Data) (No Data)
0364429822 No Disbursement date, XXX, is before end of statutory rescission period, XX/XX/XXXX.  Requires LOC, PCCD, NORTC and proof of delivery. 8.9.19 - Client responded. See PC CD attached. 8.9.19 - Exception satisfied. 
0542806149 No Final CD XXX-1 Other Costs Section; the following fees appear on the Seller CD and not on the final CD: Rent due on 5/31, Security Deposit, Owner's Title InsuranceCondition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0791896915 No Missing borrowers signature on Maryland Notice of Housing Counseling Disclosure. 8.12.19 - Client responded. Disagree. Both borrowers provided MD Important Notice Regarding Counseling on XX/XX/XXXX. See E-Consent forms and tracking details attached. 8.12.19 - Exception satisfied. 
0055194268 No Final CD:XXX is missing Seller Paid fees from Seller CD.  No tolerances or exceptions fired. Exception satisfied. (1) (No Data) (No Data)
0729473214 No LE XX/XX/XXXX, Section: Calculating Cash to Close, Field: Cash to Close: Value $153,726 and Final CD XXX, Section: Calculating Cash to Close, Field: Cash to Close: Value $150,102.  Values do not match. (No Data) (No Data)
0956294642        
0674669997        
0658780589 No Missing evidence to support sale of XXX with payoff of mortgage with XXX.  Settlement Statement provided is not executed.  7.24.19 - Client responded. See attached final settlement statement 7.24.19 - Exception satisfied.
0658780589 No Missing final CD or executed Settlement Statement to support sale of XXX with net proceeds of XXX.  Settlement Statement provided is not executed.  7.24.19 - Client responded. See attached final settlement statement. 7.24.19 - Exception satisfied.
0658780589 No Missing final CD or executed Settlement Statement to support sale of XXX with payoff of mortgage with XXX.  Settlement Statement provided is not executed.  7.24.19 - Client responded. See attached final settlement statement. 7.24.19 - Exception satisfied.
0966733478        
0469442009 No Ten percent tolerance for $174.79 for increase in Recording Cost & Settlement Fees. Missing COC or Post Close CD, LOX and evidence of refund check to borrower. 7.1.19 - Client responded. Disagree. Total baseline is $2590 and total fees are $2734.60; within 10% tolerance.   See attached analysis.7.1.19 - Clayton has reviewed and agrees as fees are under the 10%.  7.1.19 - Exception satisfied. 
0282800037        
0644310749 No Seller CD reflects Realtor Commissions not shown on the borrower Final CD section H. As the fees are reflected on the seller CD this is a non-issue. Exception satisfied.  (No Data) (No Data)
0947225945        
0500177755 No Lender Approved Exception for waiver of proof of liquidation of Stocks, Bonds, Mutual funds. The final CD indicates $285,028.56 cash to close for the subject transaction. Verified $418,181.38 liquid and non-liquid assets of which $235,809.83 were liquid. Subject transaction short funds to close $49,218.73.XXX balance $77,670.70 x 70% = $54,369.49 if liquidated, funds would be sufficient to close.  Compensating factors include borrower employed with current employer for 10 years, 828 qualifying score. Min required per guidelines is 680 and DTI is 25.75%, max per guidelines is 43%. Clayton considers non-material.  (No Data) (No Data)
0417599872 No List of homeowners counseling organizations not in file. (No Data) (No Data)
0417599872 No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data)
0417599872 No Written List of Providers not provided. (No Data) (No Data)
0599551992        
0948450156 No CD XXX Calculating Cash to Close Section,  missing reason for change for Adjustments and Other Credits (No Data) (No Data)
0948450156 No Seller-paid fees are disclosed on the Sellers CD but not on the borrowers CD. Seller CD is in file. Exception satisfied. (No Data) (No Data)
0559379468 No SPL date XX/XX/XXXX, exceeds 3 days from initial application date of XX/XX/XXXX. (No Data) (No Data)
0241588632 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: $10,157.  Does not match Value disclosed on Final CD XXX was $10,166. (No Data) (No Data)
0241588632 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: $295,657.  Does not match Value disclosed on the Final CD XXX was $295,666. (No Data) (No Data)
0241588632 No CD XXX: Other Costs Section F: Prepaids Homeowners insurance does not include number of months paid. (No Data) (No Data)
0241588632 No Seller paid real estate commissions were not disclosed on borrower's Final CD XXX. Exception satisfied. (No Data) (No Data)
0411968991        
0040203710 No CD: XXX, & CD: XXX- payees not provided in section H. Corrected on PC-CD dated XXX. Exception satisfied.  (No Data) (No Data)
0213360196 No Initial CD XXX and Final CD XXX, other Costs Section E missing recording amount fees.  (No Data) (No Data)
0213360196 No Final CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX Homes. However in the Other Costs Section H missing disclosed Real Estate Commission fee for Seller being paid. Exception satisfied.  (No Data) (No Data)
0060358252 No Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. Seller-Paid Fee that should be disclosed in Section H is not disclosed. Exception satisfied. (No Data) (No Data)
0060358252 No Final CD dated XXX does not reflect seller paid commission in section H. Exception satisfied. (No Data) (No Data)
0967800385        
0096402960        
0159518478        
0614931025 No Satisfied: XXX [Last CD], Section: Other Costs Section H: Home Warranty Fee is missing the payee name. Corrected on PC-CD XXX.  (No Data) (No Data)
0961722746 No Fees present in section H of the seller CD does not match the fees on the final CD. Exception satisfied. (No Data) (No Data)
0961722746 No Seller-Paid real estate commission Fee that should be disclosed in Section H is not disclosed. Exception satisfied. (No Data) (No Data)
0340423211        
0345656345        
0564116417        
0696436064 No Seller-Paid fees indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0696436064 No CD: XXX, Section: Contact Information.  The Sellers fee in section H is missing.  Sellers Fee are in section H on Sellers CD. Exception satisfied.  (No Data) (No Data)
0415322354 No The Seller CD was missing from the file. 7.26.19 - Client responded. Disagree: see attached seller CD 7.26.19 - Exception satisfied. 
0548042293        
0955037252        
0362160697 No LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 175602CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 262202.00. CD calculated Cash to Close LE column reflects different amount than the last disclosed LE.  (No Data) (No Data)
0051923786 No CD: XXX-1 [Last CD], Closing Cost Details, Other Costs, H. Other, both Real Estate Commission Fees have the Borrower's Agent as the payee. Corrected on post Close CD: XXX-1. Exception Satisfied (No Data) (No Data)
0796856461        
0977023389        
0982856262        
0390342730        
0860667952 No Seller CD reflects Realtor Commissions not shown on the borrower Final CD section H. As the fees are reflected on the seller CD this is a non-issue. Exception satisfied.  (No Data) (No Data)
0893718908 No Satisfied:  Borrower RE Fee is disclosed and Seller is not charged on the Seller CD. (No Data) (No Data)
0388603397 No Borrower's final CD: XXX, Seller Paid Fees that should be disclosed in Section H is not disclosed. Seller's CD: XXX, Section H, Real Estate Commission fees to both Buyer's and Seller's Brokers are listed. Exception satisfied. (No Data) (No Data)
0388603397 No Please provide a Change of Circumstance letter or a copy of a refund check in the amount of $170.00 for Zero Tolerance fees, due to the increase of the Appraisal fee from $485.00 on final LE: XX/XX/XXXX, to $655.00 on final CD: XXX. 7.26.19 - Client responded. """Agree.  Initial LE disclosed Appraisal Fee $485.00.  Consummation CD disclosed Appraisal Fee $655.00.  The file does not contain a Change of Circumstance document disclosing a valid changed circumstance and the associated date of knowledge.  Refund due to the borrower for $170.00 for a fee tolerance violation in the 0% category.7/24/2019 email sent to XXX for follow up with correspondent seller""8.7.19 - Client responded. 8/6/2019:  See attached PC CD, Lox, and refund check for over tolerance. 7.26.19 - Exception remains. 8.7.19 - Exception satisfied. 
0601456978 No Final CD XXX Summaries of Transactions section, Field L: line 13 County taxes  $143.95 are missing the paid "to" date.  (No Data) (No Data)
0601456978 No Commission Fees listed in Section H that are not Listed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0601456978 No $946.58 reserves shortfall. Per guidelines, 12 months PITI ($3847.91 *12 = $46,174.92) post-closing reserves required. File contains only $45,228.34 post closing reserves. Clayton deems as non-material based on compensating factors of low DYI 27.23% and qualifying credit score of 811.  (No Data) (No Data)
0819527470 No Missing Spl list. Please provide.  (No Data) (No Data)
0819527470 No Seller CD shows Fees in Sections C, E and H including Commission Fees that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0819527470 No Please provide evidence that the borrowers consented to Electronic deliver. No documentation in file.  7.16.19 - Client responded. Agree. Contacting Correspondent Lender for copy of eConsent documentation7.17.19 - Client responded. See attached eConsent. 7.16.19 - Exception remains. 7.17.19 - Exception satisfied. 
0582318402 No Seller-paid Fees Real Estate Broker (S) & (B) should be disclosed in Section H and are not disclosed on Borrower CD. Exception Satisfied. (No Data) (No Data)
0596590893        
0484164368        
0499969035        
0821438396        
0530051957        
0831413328 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0831413328 No Per 1003 $763,899 wired from XXX 5-21-2019 to XXXXXX.  Account statement printout in file supports the money leaving the borrower's account.  No credit for the $763899 reflected as an additional deposit on the Closing Disclosure, no evidence of receipt of funds from the settlement agent.   8.15.19 - Client responded. See attached wire transfer information validating the funds were received by XXXXXXX, the closing agent on this transaction. 8.15.19 - Exception satisfied. 
0152439280        
0022552750        
0405299668        
0965808421        
0913817351        
0352122557        
0251383472        
0536197256 No CD XXX and Final CD XXX Loan Costs Section B Recording Service Fee Payee shows SPL and Section H Home Warranty Fee Payee shows TBD. (No Data) (No Data)
0536197256 No Seller CD shows Fees in Sections C, E and H that are Not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data)
0765934188 No Affiliate Business Disclosure not in file (No Data) (No Data)
0765934188 No The following Seller paid fees are on the Seller CD and not on the Final CD XXX: Secure Documents and Delivery Fee, Settlement Fee, Wastewater, Invoice, Owners CO Form, Water EscrowThe following Seller paid fees are different amounts on the Seller CD and the Final CD XXX: RE Commission for Seller and BuyerCondition Satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data)
0857204292        
0020531788 No CD: XXX [Last CD], and post close CD: XXX, Calculating Cash to Close, Seller Credits - Final, XXX; Loan Estimate, XXX. There is no change, but question, "Did This Change?" was answered "yes", with comment added "See Seller -Paid column on Page 2". (No Data) (No Data)
0982854435 No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. 7.31.19 - Client responded. Disagree.  The ROR expiration date is XX/XX/XXXX based on a consummation date of XXX.  The consummation CD and the post-consummation CD both disclose a disbursement date of XXX.  Disbursement occurred after the end of the statutory rescission period. 7.31.19 - Exception satisfied.
0982854435 No ROR expiration date of XX/XX/XXXX is prior to end of earliest rescission date allowable of XX/XX/XXXX. 7.31.19 - Client responded. Disagree.  The ROR expiration date is XX/XX/XXXX based on a consummation date of XXX.  The consummation CD and the post-consummation CD both disclose a disbursement date of XXX.  Disbursement occurred after the end of the statutory rescission period. 7.31.19 - Exception satisfied.
0982854435 No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: CD: XXX, Section: Calculating Cash to Close, Field: XXX Calculation, Value: 4202.43CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 4202.43 (No Data) (No Data)
0982854435 No Missing executed subordination agreement for HELOC dated XX/XX/XXXX ($XXXXX). 7.26.19 - Client responded. See attached subordination agreement.  7.26.19 - Exception satisfied. 
0508184990        
0306899124        
0502584718        
0153038248        
0664274096        
0670298599 No 0% Tolerance Violation due to Appraisal Increase from $575 to $790 from Final LE to all CD's with no COC to validate increase. Tolerance Cure of $215 was provided on PCCD XXX. Exception Satisfied. (No Data) (No Data)
0964313192 No Post Close CD XXXPayoffs and Payments Section: Line Item #2 for $-10,903.72 is missing To information. Amount seems to be a credit, but does not state for what.  Requires LOX, PCCD. (No Data) (No Data)
0451657882        
0651903903 No Homeowners Counseling List not in file.  Provide copy of missing document. 7.22.19 - Client responded. See attached  Acknowledgement  of  Receipt of homeownership counseling organization list that states they received  a list of 10 counseling organizations.  7.22.19 - Exception satisfied. 
0651903903 No CD XXX Loan Disclosures Section, Escrow Account fields, loan will not have escrow, missing if borrower declined or lender does not offer (No Data) (No Data)
0651903903 No Missing evidence borrower received initial CD a minimum 3 days prior to consummation date 7.22.19 - Client responded. Disagree with investor:  see attached eDelivery tracking indicating CD receipt on XXX. Consummation date XXX. 7.22.19 - Exception satisfied. 
0651903903 No CD XXX Projected Payments Section, The Estimated Monthly Escrow Payment is $363.07 and reflects some taxes; Loan Disclosures Section does not reflect an amount for Escrowed Costs Over Year 1  7.22.19 - Client responded. Agree. Escrows included in Projected Payment Table and First Payment Letter.  Escrows not included in Block G or Escrow Account table.7.24.19 - Client responded.  7.22.19 - Exception remains. 7.24.19 - Exception satisfied. 
0558803383 No Lender approved exception for PCL reserves short 1 month. Compensating factors include; Borrower has been employed for 18 years, LTV is 30.86/CLTV 42.33%; max allowed per guidelines is 70% and  788 qualifying score. Min required per guidelines is 720. Clayton considers non-material. 7.24.19 - Client responded. Compensating factors of low DTI, high residual income and over 800K in retirement accounts. 7.24.19 - Exception remains. 
0075783520        
0140058142 No Lender is using the XXX account as Liquid.  Need evidence of Liquidated funds to close. 8.12.19 - Client responded. See attached settlement statement. Page 3 of 12 shows the cash portion of this account at $585,736.11. 8.12.19 - Exception satisfied. 

 

 

Alt Loan Number TRID Error Type Cure Method Compensating Factors
0963507581 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 55.60/64.88, max allowed per GL's 80/85.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 730, minimum allowed is 680.
0963507581 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 55.60/64.88, max allowed per GL's 80/85.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 730, minimum allowed is 680.
0795417122 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 15 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked at current job for over 18 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 782 exceeds guidelines requirements of 680.
0413813221 Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Rental income not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $628,901.89 exceed min required of $40,114.68
0136184503     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $711,550.51.  Reserves $99,380.64 (12 x $8281.72 ).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score. Min required per guidelines is 680.
0538479394     CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX past XXX mos.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  16 years current job time

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.91% max is 45%
0329336015     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 86 months reserves. 18 months required for this program.
0026547960 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.23% DTI is less than the 43% maximum allowed.
0508595239 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.48; guideline maximum is 43%.
0508595239 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.48; guideline maximum is 43%.
0123414667     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $80,059.56 verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.01% DTI is below guideline requirement.
0412439702     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $404,262.49 or 120.51 months PITI, Guidelines require 18 months reserves.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Per paystub RSU and Stock were not used in qualifying YTD as of XXX XXX and XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 10 years.
0948252999     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $318,601.99 verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.44% DTI is below guideline requirement.
0900621341     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $892,862.84 (277 months).

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Lender did not use borrowers XXX income to qualify $7,641.12 per month
0270085883     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 3 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit, currently 0 x 30 on all opened trade lines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $127,856.76  or 21.25 months, guidelines require 12 months PITIA.
0361166625 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.86%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.
0361166625 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.86%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.
0814436497     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  36 months of reserves verified.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 qual score.
0430597946 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,194,351.85 or 161.59 months PITIA, guidelines required 18 months PITIA.
0406522915 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence- primary residence of 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $186,626.06.  Per program guidelines, 18mo PITI/PL  required or $157,454.64
0406522915 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence- primary residence of 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $186,626.06.  Per program guidelines, 18mo PITI/PL  required or $157,454.64
0406522915 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence- primary residence of 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $186,626.06.  Per program guidelines, 18mo PITI/PL  required or $157,454.64
0406522915 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence- primary residence of 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $186,626.06.  Per program guidelines, 18mo PITI/PL  required or $157,454.64
0406522915 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 28 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence- primary residence of 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 772; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $186,626.06.  Per program guidelines, 18mo PITI/PL  required or $157,454.64
0284969463     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The borrower has bonus income that is not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $622,556.16 (126mos).  Reserves required $4,931.17 x24 mos= $118,348.08.
0985638788 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.65% is below max allowed of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $76,456.62 after closing exceeds cash reserve requirement of $00.00.
0985638788 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.65% is below max allowed of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $76,456.62 after closing exceeds cash reserve requirement of $00.00.
0106413640     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 2 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit, currently 0 x 30 for all opened trade lines.
0702611325     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $473,720.16 or 86.21  months, guidelines require 18 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 751. Minimum credit score for this program is 700.
0154129695 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.85% DTI.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 6 years and has $6k/mo. residual income.
0154129695 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.85% DTI.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 6 years and has $6k/mo. residual income.
0495487504 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 4 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 10 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0426498562     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  688 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in current profession for 11 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 4 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the same residence for the past 2 years.
0554142674 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 794; minimum required credit score per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 59%; max allowed LTV per guidelines is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 29.19%; max allowed DTI per guidelines is 43%.
0738433473 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $96,823.86   or 29.61 months, guidelines require 12 months PITIA.
0738433473 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $96,823.86   or 29.61 months, guidelines require 12 months PITIA.
0738433473 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $96,823.86   or 29.61 months, guidelines require 12 months PITIA.
0738433473 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $96,823.86   or 29.61 months, guidelines require 12 months PITIA.
0947978154 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 17 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 14 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 779. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 26.03%. Maximum DTI allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total PITIA reserves $43,140.48 required for the subject transaction. Verified $353,576.75 or 98.35 months reserves
0947978154 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 17 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 14 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 779. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 26.03%. Maximum DTI allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total PITIA reserves $43,140.48 required for the subject transaction. Verified $353,576.75 or 98.35 months reserves
0537210073 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.62%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $2,066,823.42 or 238.47  months, guidelines require 12 months PITIA.
0214108704 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.40%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 193,885.45 or 70.83 months, guidelines require 12  months PITIA
0082077831     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the same field for 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of $471,204.96 = 90 months
0869179023     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's representative credit score is  798; Minimum credit score required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.39%; Max DTI  for the product is 43%;
0943331316     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.61% is below the maximum of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 12 years
0896819792     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 49.02% is below the maximum of 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $487,518.69.  Reserves required $43,707.48 (12 x $3642.29 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 19.14%.  Maximum DTI is 43%.
0046679319 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,360,576.63 or 214.87 months PITI..

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 exceeds guidelines
0046679319 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,360,576.63 or 214.87 months PITI..

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 exceeds guidelines
0375962694     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680.
0685984761     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for the past 25 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided as the departing residence for the past 12 years and 11 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history currently 0 x 30 on all opened trade lines.
0031815283 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 10 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower having good scores and no late payments on credit report.
0850402179     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 is on maternity leave until 06/30/19; Lender did not use B2 income to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 28 months reserves, min required is 12 months.
0168964563 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 720.
0168964563 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 720.
0168964563 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 720.
0168964563 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 720.
0168964563 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 720.
0445116363     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 793; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $86,415.74. Per program guidelines, 12mo PITI/PL  required or $55,353.24.
0459994776     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 28.96% lower than lender maximum 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required Reserves $9834.29 X 12 = $118,011.48 Post closing reserves $783,644.67
0271776638     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.84% DTI

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  0X30
0499905695     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 753 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall credit history. No derogatory credit. No public record findings.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Both Borrowers have 0x30; 51 month mortgage history review.
0158666868     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 6 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit, currently 0 x 30 on all opened trade lines.
0355956948     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $135,968.61  or 22.98 months, guidelines require 12 months PITIA.
0400280022     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 786; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Per program guidelines, 18mo PITI/PL  required or $131,518.98. (18mo -2nd home)
0027728627     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $287,057.88.  Reserves required $44,259.24  (12 x $3688.27)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 8 years and 7 months.
0878548977     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 12 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit currently 0 x30 on all opened trade lines.
0275335233 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.47%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $80,746.08 or 20.18 months. Guidelines require 12 months PITIA.
0897587662     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $141,004.11 or 26.27 months, guidelines require12  months PITIA .

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has been 0x30 for 39 months, guidelines require at least 24 months 0*30.
0528616841     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $272,539.74 or 72.29 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same profession 15 years.
0758866918 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 801 exceeds the minimum of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 33 years
0243087236     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score for borrower's is 766; Minimum credit score required for this non agency loan is 720;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 28.537%; Max DTI per guidelines is 43%;
0395274033 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves $616,239.26.  Reserves required $35,277.60 (12 x $2939.80 ).

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.19%.  Maximum LTV per guidelines is 70% (Cash Out Refinance).
0395274033 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves $616,239.26.  Reserves required $35,277.60 (12 x $2939.80 ).

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.19%.  Maximum LTV per guidelines is 70% (Cash Out Refinance).
0848367948     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 21 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $335,818.53 or 78.87 months, guidelines require 18 months PITIA.
0948435723 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 over  5 years at the same job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative credit score is  801;  Minimum credit score required is 680;
0777569679     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $ 240,340.86or 64.19 months, guidelines require 12 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed for 11 years 8 months.
0274863615     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Trust income #1; $10,000/12=$833.33 B1 Trust income #2 $4,000/12=$333.33 per letter and wealth statements in file.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $552,443.31.  Reserves required $6,799.22 x12 = $81,590.64.
0480915856 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having 9 years in profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower having good credit history with no late payments reported at all.
0441563937 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10.38 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 21 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 770; required score 720.
0585140082 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.87%, max per guidelines is 43%.
0503991169     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.09%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been with the current Employer for 10 years.Co-Borrower has been with the current Employer for 10 years.
0768579599 (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced from  $6,186 to $5854.46.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified $483,123.03 or 60 months PITIA, guidelines required $8,011.81   x12=$96,141.72
0933160225 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.38% is below the maximum of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.99% is below the maximum of 80%
0476736800 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines of 680 by 95 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.02% DTI.
0476736800 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines of 680 by 95 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.02% DTI.
0476736800 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines of 680 by 95 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.02% DTI.
0653332195     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has over 12 years with the same employer;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  16.09%: Max DTI for the product is  43%;
0994233608 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $231,746.85 or 59.63 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines 680 by 95 points
0994233608 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $231,746.85 or 59.63 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines 680 by 95 points
0994233608 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $231,746.85 or 59.63 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines 680 by 95 points
0629093328 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV/CLTV is 51.29%, well below he required 80/80.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $990,893.79.  Reserves required $140,052.12 (11,671.01 x 12).
0629093328 Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV/CLTV is 51.29%, well below he required 80/80.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $990,893.79.  Reserves required $140,052.12 (11,671.01 x 12).
0629093328 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV/CLTV is 51.29%, well below he required 80/80.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $990,893.79.  Reserves required $140,052.12 (11,671.01 x 12).
0914511757 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 6 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0914511757 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 6 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0638978391 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qualifying score. Min required per guidelines is 680

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on primary residence.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current owner occupied residence for 10 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.
0638978391 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qualifying score. Min required per guidelines is 680

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on primary residence.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current owner occupied residence for 10 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.
0638978391 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qualifying score. Min required per guidelines is 680

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on primary residence.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current owner occupied residence for 10 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.
0638978391 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 qualifying score. Min required per guidelines is 680

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on primary residence.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current owner occupied residence for 10 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.
0228718271 Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for 11 years reflecting stability.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.34%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $487714.34 in total assets documented. Effective and liquid amount is $487714.34. Post close reserves are: $370939.71. Reserves required for subject: $6361.99x12=$76343.88
0263510253 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX employed for 23 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $642,298.00  or 82.25 months, guidelines require 12 months PITIA.
0263510253 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX employed for 23 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $642,298.00  or 82.25 months, guidelines require 12 months PITIA.
0263510253 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX employed for 23 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $642,298.00  or 82.25 months, guidelines require 12 months PITIA.
0263510253 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX employed for 23 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $642,298.00  or 82.25 months, guidelines require 12 months PITIA.
0879668281     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 46.15%; max allowed LTV per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 697; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 22.37%; max allowed DTI per guidelines is 45%.
0872538885 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 20.93%  is below guideline requirement of 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $535,896.36 post close reserves, or 161.76 months PITI.  12 month reserves required.
0771539626     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 53 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 785. Minimum credit score for this program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.73%. Max DTI for this program is 43.00%.
0354685443 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 724; guidelines allow a minimum Credit Score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $65,781.86   or 13.41  months, guidelines require 12 months PITIA .
0343598941 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.79% DTI.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.89% LTV.
0982821183 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.33% DTI is far below the program maximum 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  File has 47 months reserves verified; exceeding the 12 month cash reserves guideline.
0701012494 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed on the same job for the past 19 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x 30 on all opened trade lines.
0701012494 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed on the same job for the past 19 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x 30 on all opened trade lines.
0682930912 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 811.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $236,915.09 post close reserves, or 61.17 PITI.  12 months reserves required.
0422642246 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 18.56 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.97%, , max per guidelines is 43%.
0287535549 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $673,008.42 or 59.67 months, guidelines require 12 months PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 14 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 7 years.
0287535549 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $673,008.42 or 59.67 months, guidelines require 12 months PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 14 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 7 years.
0902137591 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 31 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds the minimum of 680
0902137591 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 31 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds the minimum of 680
0902137591 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 31 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds the minimum of 680
0234317300 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at subject property for 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $645,971.61.  Reserves required are $5,950.17 x 12 = $71,402.04.
0234317300 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at subject property for 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $645,971.61.  Reserves required are $5,950.17 x 12 = $71,402.04.
0893461510 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for six years.Co-borrower employed in XXX for six years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary wage earner score of 809 exceeds 680 required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  13.48% DTI is less than the 43% maximum allowed per guidelines.
0612868538     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 8 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22%. Max DTI for this program is 43%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 XXX employment income not used to qualify.
0671852383     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same the profession for the past 13 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history 0 x 30 on all currently opened trade lines.
0258280881     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been in the same profession for 5.08 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.68%; guideline maximum is 43%.
0863375550 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over nine years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer over 6 years
0863375550 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over nine years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer over 6 years
0863375550 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over nine years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer over 6 years
0863375550 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over nine years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer over 6 years
0863375550 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over nine years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer over 6 years
0711003101 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $174,309.13.  Reserves required $55,393.92 (12 x $4616.16 ).

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus Income Note Used:  (Per WVOE  dated 4/1/19, 2018 $393,600 + 2017 $70,848 / 24 = $19,352)
0846370757 Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $281,020.44 or 58.88 months PITI, guidelines require 12  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.35% below guideline requirement of 43% by 24.65%
0846370757 Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $281,020.44 or 58.88 months PITI, guidelines require 12  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.35% below guideline requirement of 43% by 24.65%
0846370757 Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $281,020.44 or 58.88 months PITI, guidelines require 12  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.35% below guideline requirement of 43% by 24.65%
0846370757 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $281,020.44 or 58.88 months PITI, guidelines require 12  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.35% below guideline requirement of 43% by 24.65%
0681570651     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $309,411.50 or 36.78 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 25 years
0798089228     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 75.00%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit Score 709; guidelines allow a minimum Credit Score 680.
0372361538 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $467,890.99.  Reserves required $4369.37 x 12 = $52,432.44

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.14%; Max DTI per guidelines is 43%.
0022322896     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's representative score is 806; Min score for the product is 680;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  19.15; Max DTI for the product is 45%;
0342712039     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 62.76% is less than the 80% maximum allowed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  772 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in same industry for ten years.
0433602212 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 12.11 months cash reserves in file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 5 years
0725901400 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61%; max allowed per guidelines is 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been wage employed for 9.4 years at XXX.
0725901400 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61%; max allowed per guidelines is 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been wage employed for 9.4 years at XXX.
0333201747 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 781 exceeds the minimum of 700

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on current job for 12 years
0296518793 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 31.29%; Maximum LTV per program guidelines is 80.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $182,168.06.  Per program guidelines, 12mo PITI/PL  required or $60,564.84.
0713300506 Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 33.32% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $65,428.86 or 20.01 months PITIA . Reserves Required $3,286.05 X 12 = $39,432.60.
0713300506 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 33.32% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $65,428.86 or 20.01 months PITIA . Reserves Required $3,286.05 X 12 = $39,432.60.
0852829920 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 10 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.13% is below the maximum of 80%
0852829920 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 10 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.13% is below the maximum of 80%
0915285605 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $745,535.77 or 167.36 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.77% below guideline requirement of 43% by 15.23%
0915285605 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $745,535.77 or 167.36 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.77% below guideline requirement of 43% by 15.23%
0103233966 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 776. Minimum credit score for this program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.10%. Max DTI for this program for this program is 43.00%.
0241215325 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33%. Max DTI for this program is 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 815. Minimum credit score for this program is 680.
0057354728 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 12 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has additional documented income from bonus of $1,306 per month two year average not used to qualify.
0872081541     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $900,850.65 or 18.33 months.  Reserves required $7,746.35 x 12 = $92,956.02.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.33% is below the maximum of 43%
0154450608     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 8 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at same residence for the past 3 years and 5 months.
0977457118 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 64.04%; max allowed LTV per guidelines is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 32.06%; max allowed DTI per guidelines is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 736; minimum required credit score per guidelines is 680.
0972057825 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  730 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $37,192.78 or 12.05 months PITI

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned current residence 9 years.
0546858911     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $261,540.37 or 46.13 months PITI, guidelines require 12 months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been employed 16 years in the same profession
0041376163 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%; guideline maximum is 43%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrowers' combined total income accounts for $49K/mo. in residual income.
0041376163 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%; guideline maximum is 43%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrowers' combined total income accounts for $49K/mo. in residual income.
0041376163 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%; guideline maximum is 43%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrowers' combined total income accounts for $49K/mo. in residual income.
0041376163 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%; guideline maximum is 43%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrowers' combined total income accounts for $49K/mo. in residual income.
0729568430 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $526,970.11.  Reserves required $38,723.52 (12 x $3226.96 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 18 years at current job.
0472501342 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $470,510.84 or 78.69 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1/B2 in same profession for 40 years
0472501342 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $470,510.84 or 78.69 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1/B2 in same profession for 40 years
0472501342 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $470,510.84 or 78.69 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1/B2 in same profession for 40 years
0247468142 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.32%, max per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70.00%; max allowed per guidelines is 80.
0445239846 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.06%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.58%. Max LTV for this program is 80.00%.
0445239846 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.06%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.58%. Max LTV for this program is 80.00%.
0841874439     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 11.03 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 6.41 years.
0776709794     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $641,756.10.  Reserves required $72,371.04 (12 x $6030.92).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.67.  Maximum DTI per guidelines is 43%.
0253059770 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed at current employer for 25.3 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resides at current residence for 18 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.66%;max per guidelines is 43%
0253059770 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed at current employer for 25.3 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resides at current residence for 18 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.66%;max per guidelines is 43%
0253059770 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed at current employer for 25.3 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resides at current residence for 18 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.66%;max per guidelines is 43%
0303721937 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 11 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 11 years
0462691832 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.90 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.64%; guideline maximum is 43%.
0462691832 Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.90 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.64%; guideline maximum is 43%.
0381873097 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has cash reserves in the amount of 59.93mo
0381873097 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has cash reserves in the amount of 59.93mo
0381873097 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has cash reserves in the amount of 59.93mo
0381873097 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has cash reserves in the amount of 59.93mo
0808671633     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 8 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with employer for over 11 years
0695025282 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 13.52% is below the maximum of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 14 years
0824615047     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.70%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.89 years.
0012746456 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer 10+ years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income and other income>2 years not used for qualification.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 715. Minimum credit score for this program is 680.
0012746456 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer 10+ years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income and other income>2 years not used for qualification.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 715. Minimum credit score for this program is 680.
0012746456 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer 10+ years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income and other income>2 years not used for qualification.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 715. Minimum credit score for this program is 680.
0919358635 Non-Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The median credit score is 806.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.01%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2007, 11 years.
0919358635 Non-Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The median credit score is 806.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.01%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2007, 11 years.
0919358635 Non-Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The median credit score is 806.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.01%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2007, 11 years.
0919358635 Non-Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The median credit score is 806.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.01%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2007, 11 years.
0919358635 Non-Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The median credit score is 806.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.01%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2007, 11 years.
0030034502 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 17 years.
0822855264 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with same employer for 21 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 21 years.Co-borrower has been employed in XXX for 16 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on subject property.
0822855264 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with same employer for 21 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 21 years.Co-borrower has been employed in XXX for 16 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on subject property.
0822855264 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with same employer for 21 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 21 years.Co-borrower has been employed in XXX for 16 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on subject property.
0822855264 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with same employer for 21 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 21 years.Co-borrower has been employed in XXX for 16 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 69 months on subject property.
0577062529     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing reserves $817,690.05.  Reserves required $82,475.16 (12 x $6872.93).

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The borrowers LTV is 48.65.  Maximum LTV per guidelines is 80%.
0550614052 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 4 years.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0946931186 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 720.  Representative credit score is 778.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $177,255.58 ($177,255.58/$8,829.39 PITI = 20.07 months PITI).  Required cash reserves are $105,952.68 ($8,829.39 PITI x 12 months).
0946931186 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 720.  Representative credit score is 778.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $177,255.58 ($177,255.58/$8,829.39 PITI = 20.07 months PITI).  Required cash reserves are $105,952.68 ($8,829.39 PITI x 12 months).
0954368046 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 65.83% is below the maximum of 80%
0423102030     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%.  Transaction LTV is 64.07%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months PITI reserves required.  56 months PITI reserves verified.
0627485854 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 29 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at subject property for 15.71 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history on subject of 0x30 for 67  months when 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.26%, max per guidelines is 43%
0627485854 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 29 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at subject property for 15.71 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history on subject of 0x30 for 67  months when 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.26%, max per guidelines is 43%
0627485854 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 29 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at subject property for 15.71 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history on subject of 0x30 for 67  months when 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.26%, max per guidelines is 43%
0599751634 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 777. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI ratio 29.18%. Maximum DTI ratio allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $65,544.36 PITIA reserves required. Verified $196,993.86 or 42.19 months reserves
0599751634 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 777. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI ratio 29.18%. Maximum DTI ratio allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $65,544.36 PITIA reserves required. Verified $196,993.86 or 42.19 months reserves
0599751634 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 777. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI ratio 29.18%. Maximum DTI ratio allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $65,544.36 PITIA reserves required. Verified $196,993.86 or 42.19 months reserves
0599751634 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 777. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI ratio 29.18%. Maximum DTI ratio allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $65,544.36 PITIA reserves required. Verified $196,993.86 or 42.19 months reserves
0599751634 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 777. Minimum credit score required 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI ratio 29.18%. Maximum DTI ratio allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $65,544.36 PITIA reserves required. Verified $196,993.86 or 42.19 months reserves
0749728380 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $888,422.65 or 87.84 months PITIA, guidelines requires 12 months reserves.
0749728380 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $888,422.65 or 87.84 months PITIA, guidelines requires 12 months reserves.
0749728380 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $888,422.65 or 87.84 months PITIA, guidelines requires 12 months reserves.
0749728380 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $888,422.65 or 87.84 months PITIA, guidelines requires 12 months reserves.
0726767184     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $150,200.80 or 34.86 months PITI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 750 exceeds guidelines 680 by 70 points.
0653215637     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrower DTI is 27.28%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has 9 years and 7 months at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrower qualifying score is 771.  Minimum required score is 680.
0388091444 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 36.67%; max allowed DTI per guidelines is 45%.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 773; minimum required credit score per guidelines is 680.
0674952727 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 13 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 19 years
0894765516     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $106488.00  or 28.33  months, guidelines require 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 19 years.
0286579772     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $126,833.80  or 36.03  months. Guidelines require 12  months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.36%. Max DTI for this program is 43.00%.
0470701509     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $539,700.74 or 160.60 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been in same profession 20 years
0215943527     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $318,170.35  or 53.59 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 qualifying score. Min required per guidelines is 680.
0882474716 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.10%, max per guidelines is 43%.
0882474716 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.10%, max per guidelines is 43%.
0858143511 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 28 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 76 months for other real estate owned.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $550,698.11; 69.29 months PITI reserves.
0858143511 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 28 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 76 months for other real estate owned.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $550,698.11; 69.29 months PITI reserves.
0858143511 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 28 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 76 months for other real estate owned.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $550,698.11; 69.29 months PITI reserves.
0156707281     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  814 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 11 years.Co-Borrower has been in the same profession for 6 years.
0470885019     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 12 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on same job for the past 12 years
0199178115 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 26 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 782; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $719,239.01  or 77.87 months, guidelines require 12 months PITIA .
0199178115 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 26 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 782; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $719,239.01  or 77.87 months, guidelines require 12 months PITIA .
0232499088     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qual score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  64 months of verified reserves.
0364904689 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current home for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 755; Minimum credit score for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,372.76. Reserves Required: $5,587.53 x 12 =  $67,050.36.
0541001091 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.20%.  Maximum DTI per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 8 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower is currently 0 x 30 on all opened trade lines.
0541001091 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.20%.  Maximum DTI per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 8 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower is currently 0 x 30 on all opened trade lines.
0216307103 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-borrower has been employed for 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $150,753.61 or 27.61 months, guidelines require 12 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 qualifying score. Min required per guidelines is 720.
0216307103 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-borrower has been employed for 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $150,753.61 or 27.61 months, guidelines require 12 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 qualifying score. Min required per guidelines is 720.
0216307103 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-borrower has been employed for 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $150,753.61 or 27.61 months, guidelines require 12 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 qualifying score. Min required per guidelines is 720.
0216307103 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-borrower has been employed for 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $150,753.61 or 27.61 months, guidelines require 12 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 qualifying score. Min required per guidelines is 720.
0873163041 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers credit history for mortgages and open trade lines is excellent.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 780.  Minimum required score per guidelines is 680.
0873163041 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers credit history for mortgages and open trade lines is excellent.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 780.  Minimum required score per guidelines is 680.
0164668375 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $124,360.29 or 38.38 months PITIA, guidelines required 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 qualifying score. Min required per guidelines is 680.
0164668375 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $124,360.29 or 38.38 months PITIA, guidelines required 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 qualifying score. Min required per guidelines is 680.
0164668375 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $124,360.29 or 38.38 months PITIA, guidelines required 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 qualifying score. Min required per guidelines is 680.
0164668375 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $124,360.29 or 38.38 months PITIA, guidelines required 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 qualifying score. Min required per guidelines is 680.
0699815957 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.
0852867907 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same job for the past 3 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x 30 on all opened trade lines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $315,029.88. Reserves required $4,898.12 x 12=$58,777.44.
0175851173 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75%. Max LTV for this program is 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 43 months reserves. 12 months required for this program.
0431950618     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 99 months reserves. 18 months required for this program.
0323951883     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $65,820.24 or 15.96 months, guidelines require 12  months PITIA.

CFCFS1752: No Verified Compensating Factors
- Clayton Comments:  No verified compensating factors.
0575538927 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32%. Max DTI for this program is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 22 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in her profession for 33 years.
0974099513     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 46 months cash reserves. 12 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 790. Minimum credit score for this program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.32%. Max DTI for this program is 43.00%.
0949766520     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $266,053.67  or 77.09  months, guidelines require 18 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 798. Minimum credit score for this program is 680.
0579135349 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 has additional documented income of $15,697.42 per month not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.23% is below the maximum of 43%
0579135349 Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 has additional documented income of $15,697.42 per month not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.23% is below the maximum of 43%
0919643615 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 720.  Representative credit score is 771.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%.  Transaction LTV is 75%.
0973904213     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower  has been employed for 9 years.
0071046105     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Total YTD earnings of $97,837.84/3.23 = $30,290.00/month.  2018 W2 income of $553,048.05/12 = $46,087 a month and 2017 W2 income of $419,985.68/12 = $34,998 a month.  Lender used lower income of $26445.00.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 3.86 years with 22 years in the same line of work.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.59% is below max allowed of 80%.
0718124998 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $1,249,552.04.  Reserves required $66,582.12 (12 x $5548.51).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.67%.  Maximum DTI is 43% per guidelines.
0242003530 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $583,559.77.  Reserves required $79,730.40 (12 x $6644.20 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 19 years and 5 months on current job.
0353472751     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $133,850.96. Reserves required $55,640.40 (12 x $4636.70).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 13 years and 8 months at current job.
0448515485     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.26% DTI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 qual score.
0424867201 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 18 years and 11 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $848,173.69 including $286,240.44 in liquid assets.  $48,931.68 required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 116  months on subject property.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  48.40 LTV is less than the 80% maximum allowed.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.95% DTI is less than the 43% maximum allowed.
0342466361     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 39 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $491821.59 or 124.72 months, guidelines require 18 months PITIA .
0963966296 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves  $327,789.50 or 63.66 months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.66%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.00%. Max LTV for this program is 80.00%.
0963966296 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves  $327,789.50 or 63.66 months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.66%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.00%. Max LTV for this program is 80.00%.
0088602578 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 25 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.50%; guideline maximum is 43%.
0088602578 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 25 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.50%; guideline maximum is 43%.
0028035875     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $272,328.16 or 65.10 months PITI, guidelines require 12 months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 18 years.
0907426831 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds the minimum per guidelines
0907426831 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds the minimum per guidelines
0907426831 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds the minimum per guidelines
0907426831 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds the minimum per guidelines
0796553911 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.59% DTI.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24 mo. verified reserves.
0634093058     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves  $250,141.88 or 83.63 months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.11%, max per guidelines is 43%.
0749680128     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer 16 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 69.34%; max allowed per guidelines is 80%.
0665884772 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 351,207.08 or 114.19 months, guidelines require 18  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.90; Maximum DTI per guidelines is 43%.
0665884772 Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 351,207.08 or 114.19 months, guidelines require 18  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.90; Maximum DTI per guidelines is 43%.
0709145401 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $294,779.39 or 77.91 months, guidelines require 12 months PITIA.
0148539936 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 745.  Minimum credit score required is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 10 years in profession.
0570603490     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 10 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has additional Schedule C income of $4,095.71 per month two year average not used to qualify.
0217009625 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 9 years

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history currently 0 x 30 on all opened trades
0981652411     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current property for 28 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 6 years
0599510199 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 24 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,217.34 or 17.48 months PITIA
0599510199 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 24 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,217.34 or 17.48 months PITIA
0599510199 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 24 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,217.34 or 17.48 months PITIA
0599510199 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 24 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $70,217.34 or 17.48 months PITIA
0839488553     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $620,410.55 or 161.21 months PITI.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 20 years.
0819186429 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 252,872.36 or 41.90 months, guidelines require 12 months PITIA .

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 6.8  years
0758812553     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 11 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 771 exceeds guidelines
0612855124     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.20%;  the maximum per guideline is 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX for XXX and has been there for 10 years and 8 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $137,078.22.  Reserves required $40,138.44 (12 x $3344.87 ).
0573022353 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $320,451.07 or 102.75 months,  Reserves required $3,118.72 x 12 = $37,424.64.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 19 years
0664293224 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed  in XXX for 15 years and five months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for nine years.
0596942691 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves of $179,376.03, or 44.32 months PITI. Reserves of $48750 (12 months) required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same line of work for the past 10 years.
0512464759 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 24 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $251,059.41 or 39.33 months.  Per program guidelines, 12mo   PITI/PL  required or $76,603.08.
0854956670 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at same job for the past 2 years and 5 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 x30 late payments  on all opened trade lines.
0854956670 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at same job for the past 2 years and 5 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 x30 late payments  on all opened trade lines.
0854956670 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at same job for the past 2 years and 5 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 x30 late payments  on all opened trade lines.
0510469541     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $262,404.68.  Reserves required $63,469.92 (12 x $5289.16).

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same work profession for 8 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been at same job for 12 years
0500518156     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves required $81,443.64 ($6,786.97 x 12). Verified liquid reserves are $184,370.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with XXX 8 years, 5 months since 01/04/2011.
0911589261     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same field of work for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified 12.93 months piti reserves in file.
0975472364 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $142,525.00 or 41.16 months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.42%, max per guidelines is 40%.
0376494210 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.62%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 77.10%. Max LTV for this program is 80.00%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with employer for 12 years.
0376494210 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.62%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 77.10%. Max LTV for this program is 80.00%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with employer for 12 years.
0889736434 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 37%; max allowed per guidelines is 70%.
0889736434 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 37%; max allowed per guidelines is 70%.
0808465278     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 11 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0681811143 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 Hybrid Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0681811143 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,170.82 or 35.13  months, guidelines require 12 months PITIA .
0028139323 (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower is 0x30 in last 25 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines
0028139323 (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower is 0x30 in last 25 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines
0486622257 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 740.  Representative credit score is 797.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%. Transaction LTV is 47%.
0486622257 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 740.  Representative credit score is 797.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%. Transaction LTV is 47%.
0506999203 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 21 years.Co-borrower employed in XXX for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $1,657,787.68.  Reserves required $48703.14 (18 x $2705.73 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.76% DTI is less than the 43% maximum allowed.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.58% LTV is less than the 80% maximum allowed.
0518528405 Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 33.81 years.

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

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10.78 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63.89% is 16.11% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0104552390 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as a XXX for the past 6.96 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.13% DTI < 43% guideline max
0524021296     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Score For Grading is 797.  Minimum credit score required is 680 per guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $203,973.40.  Reserves required $53,112.96 (12 x $4426.08).
0733705476 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same profession for the past 4 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0864748943     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $1,073,087.82.  Reserves required $46,279.32 (12 x $3856.61).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 11.53%.  Maximum DTI is 43% per guidelines.
0181679119 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $489,474.34  or 78.96 months. Guidelines require 12 months PITIA.
0838880783 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 810. Minimum credit score for this program is 680.
0519613181     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.32%; guideline maximum is 43%.
0896660644     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 29 years in the XXX.Co-borrower has 32 years of XXX  experience.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 13 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented bonus of $2,569.44 monthly not used for qualifying.Co-borrower has documented bonus of $605.33 monthly not used for qualifying.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 39 months on subject property.
0796378679 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 27 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing subject residence for over 18 years
0796378679 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 27 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing subject residence for over 18 years
0796378679 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 27 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing subject residence for over 18 years
0833478670     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 71 months when 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.72% DTI exceeds 43% maximum allowed.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower worked in XXX for 20 years.Co-borrower in same profession for 18 years.
0144026720     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 56.45%.  Maximum LTV is 80% per guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.98%.  Maximum DTI per guidelines is 43%.
0929214902 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%.  Transaction LTV is 34%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score requirement is 680.  Representative credit score is 795.
0568659980 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $756,700.78  or 157.37 months, guidelines require 12 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680.
0568659980 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $756,700.78  or 157.37 months, guidelines require 12 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680.
0540320245 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13 years and seven months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX industry for 18.25 years. Co-borrower has been employed in same industry for 19.25 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 20 years and 5 months.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 72 months on primary residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,073.465.55 or 696.82 months, Guidelines require 18 months
0540320245 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13 years and seven months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX industry for 18.25 years. Co-borrower has been employed in same industry for 19.25 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 20 years and 5 months.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 72 months on primary residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,073.465.55 or 696.82 months, Guidelines require 18 months
0540320245 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13 years and seven months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX industry for 18.25 years. Co-borrower has been employed in same industry for 19.25 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 20 years and 5 months.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 72 months on primary residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,073.465.55 or 696.82 months, Guidelines require 18 months
0380542251 Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $585,375.00 OR 60.06  months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.98 below guideline requirement of 43%
0716389617 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.57%, Max LTV is 80%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has 0x30 mortgage histories since 2007.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified post closing reserves of $266,372.38 or 82.73 months; per guidelines 18 months PITI  required.
0788383112     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 48.92% ; max guidelines is 80%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Loan is going from XXX ARM to XXX Fixed;Payment from $4,475 to $2,990.71.
0150259748     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for the past 5 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $347,939.18 or 77.01 months. Reserves required $4,518.17 x 12=$54,218.04.
0219350889 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.59$ is below guidelines requirement  of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 760 exceeds guidelines requirement  of 720
0219350889 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.59$ is below guidelines requirement  of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 760 exceeds guidelines requirement  of 720
0461400504 Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $183,756.70.  Reserves required $7,555.08 x 12 = $90,660.96.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 756 exceeds minimum guideline requirement of 700.
0461400504 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $183,756.70.  Reserves required $7,555.08 x 12 = $90,660.96.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 756 exceeds minimum guideline requirement of 700.
0221074948 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.44%. Max DTI for this program is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 10 years.
0221074948 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.44%. Max DTI for this program is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 10 years.
0518157399 Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 2 income not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 44 months reserves. 12 months required for this program.
0334893000 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 764; minimum required credit score per guidelines is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a 0x30; 53 month mortgage history review.
0137011473 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 810 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, with no late pays or derogatory ratings.
0509152535     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $524,825.17 or 116.95 months. Guidelines require 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 10.62%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 64.47%. Max LTV for this program is 80.00%.
0237529333 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $777,043.61  or 193.88  months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.93%; max per guidelines is 43%..
0077310394 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  144 months verified reserves.  12 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the same line of work for 12 years.
0212070388 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $310,954.55.  Reserves required $55,435.20 (12 x $4619.60).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 11 years and 6 months at current job.
0226643276 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  22.11%; Max DTI for the product is 43%;
0069634422 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's representative credit score is 803; Minimum credit score for product is 680;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  25.26%; Max DTI for the product is 43%;
0502017376     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $124,161.63  or 26.22  months.  guidelines require 12  months PITIA .
0048222888 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same industry for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25%; guideline maximum is 43%.
0650724862 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $233,798.51. Reserves required $73,512 (18 x $4084).

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in current profession.
0650724862 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $233,798.51. Reserves required $73,512 (18 x $4084).

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in current profession.
0650724862 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $233,798.51. Reserves required $73,512 (18 x $4084).

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in current profession.
0650724862 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $233,798.51. Reserves required $73,512 (18 x $4084).

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in current profession.
0283332721     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as a XXX for the past 11.26 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.32% DTI < 43% guideline max
0303058966     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,039,399.35.  Reserves required $5230.00 x 12 = $62,760.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 680.
0344345531 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in XXX industry.Co-borrower has 10 years in XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 37 months on subject property.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.19% DTI is less than 43% maximum allowed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  XXX reserves $131,636.58.  Reserves required $49,152.48 (12 x $4096.04).
0344345531 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in XXX industry.Co-borrower has 10 years in XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 37 months on subject property.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.19% DTI is less than 43% maximum allowed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  XXX reserves $131,636.58.  Reserves required $49,152.48 (12 x $4096.04).
0344345531 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in XXX industry.Co-borrower has 10 years in XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 37 months on subject property.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.19% DTI is less than 43% maximum allowed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  XXX reserves $131,636.58.  Reserves required $49,152.48 (12 x $4096.04).
0047687110     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.57% DTI < 43% guideline max

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $1,125,682.29 exceeds required reserves of  $50,646.60
0284633103 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $693,913.71 or 107.18 months PITI, guidelines required 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 13 years.
0284633103 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $693,913.71 or 107.18 months PITI, guidelines required 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 13 years.
0521742423     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $224,124.90 or 52.90 months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.29%,max per guidelines is 43%.
0017290309 Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60.00%, max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.06%, max per guidelines is 43%.
0605328567     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is 22.85%; Max DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is at current job within same company for 9 years and 1 month.
0827066954 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 10.91 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the XXX for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower has 797 credit score and 700 required.
0711888345     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in same profession for seven years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.92% DTI is less than the 43% maximum allowed.
0987478436 (No Data) Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  B1 will begin earning $232,037 as a XXX two months after closing.

CFCFS2860: Good credit history
- Clayton Comments:  The borrowers have excellent credit history.
0736366091 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $744,280.46.   Required reserves are $63,047.88 ($5,253.99 x 12).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 680.  Representative credit score is 777.
0736366091 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $744,280.46.   Required reserves are $63,047.88 ($5,253.99 x 12).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 680.  Representative credit score is 777.
0737901987 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 qualifying score. Min required per guidelines is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing reserves of $938,698.53, or 139 months subject PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2003, 15 years.
0281779625 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 23 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $156,920.91.  Reserves required $5,584.28 x 12 = $67,011.36.
0281779625 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 23 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $156,920.91.  Reserves required $5,584.28 x 12 = $67,011.36.
0281779625 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 23 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $156,920.91.  Reserves required $5,584.28 x 12 = $67,011.36.
0281779625 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 23 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $156,920.91.  Reserves required $5,584.28 x 12 = $67,011.36.
0946985841     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $91,336.51 or 21.04 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 25 years.
0360412040 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in profession for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.20% is below the maximum of 43%
0871944758 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score is  809; Minimum score required is 680;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.25%.  Maximum DTI per guidelines is 43%.
0711876968 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current employment for 33.5 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 15.49% below guideline.
0084069748     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for five years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 32 months on prior loan on primary residence.
0399499872     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 720.  Representative credit score is 773.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%. Transaction LTV is 56%.
0603071303 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0603071303 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0220043195 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 13.97 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 809; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 161,546.38  or 37.78 months, guidelines require 12  months PITIA.
0299977131     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 7 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on same job for the past 4 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history currently 0 x 30 on all opened trade lines.
0386219645     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current place of employment for 15 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 10 years
0741600555     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has spent 10 years in filed

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 82.66 months verified cash reserves
0284888667     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $784,053.56 or 215.28 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680
0153289263 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in the XXXfor 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $747,106.18 or 134.12 months, guidelines require 12 months PITIA .
0153289263 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in the XXXfor 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $747,106.18 or 134.12 months, guidelines require 12 months PITIA .
0912487297     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $393,472.98.  Reserves Required $79,798.86  (18 x $4433.27).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 11 years and 1 month at current job.
0113895199 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 792. Minimum credit score for this program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39%. Max DTI for this program is 43%.
0841919394     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $302,161.41.  Reserves required $47,970.36 (18 x $2665.02).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrower DTI is 33.12%.  Maximum DTI per guidelines is 45%.
0639684495 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $1,672,285.39.  Reserves Required $89,544.72 (12 x $7462.06).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying credit score is 769.  Minimum credit score required is 680.
0639684495 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $1,672,285.39.  Reserves Required $89,544.72 (12 x $7462.06).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying credit score is 769.  Minimum credit score required is 680.
0639684495 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $1,672,285.39.  Reserves Required $89,544.72 (12 x $7462.06).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying credit score is 769.  Minimum credit score required is 680.
0009271464     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $289,634.21 or 40.73  months, guidelines require 18 months PITIA .

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have excellent credit history with limited use of credit.
0420683176 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 207 months reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19%. Max DTI for this program is 43%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 bonus income not used to qualify. Income from b2 not used to qualify.
0386828682     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 772 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $521,385.17 or 103.44 months, guidelines require12  months PITIA .
0450153825     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are 130.83 months; $480731.59

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B3 has additional trust income.
0963901931 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $109,204.41.  Reserves required $50,778.12 ($4231.51 x 12).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 10 years and 6 months at current job.
0963901931 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $109,204.41.  Reserves required $50,778.12 ($4231.51 x 12).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 10 years and 6 months at current job.
0353927909     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.29%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 758. Minimum credit score for this program is 680.
0391649449 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  709 qualifying score. Min required per guidelines is 680.
0391649449 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  709 qualifying score. Min required per guidelines is 680.
0583254700     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.00%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38%. Max DTI for this program is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 21 years.
0679499143     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  655 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $356,515.01 or 42.10 months.  12mo PITI/PL  required or $101,609.40.
0148854837     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 2 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 13 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0367841971     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in current profession for 13 years and Co-Borrower has worked in current profession for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 776; required score 680.
0401466868     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same field of employment for 17 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $183,198.94 or 31.78 months, guidelines require 6 months PITIA .
0125896444     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680.
0669699780 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $382,258.71 or 122.62 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines is 680.
0669699780 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $382,258.71 or 122.62 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines is 680.
0669699780 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $382,258.71 or 122.62 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines is 680.
0669699780 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $382,258.71 or 122.62 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines is 680.
0198414309     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  DTI is 27%; guidelines require 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has been a XXX for 19 years.
0031322226     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for the past 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0 x30 on all current trade lines.
0117814989 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score  799;  Min credit score  680;
0117814989 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score  799;  Min credit score  680;
0117814989 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score  799;  Min credit score  680;
0121661064 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has stable employment as an XXX for the past 25 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.83% DTI < 43% guideline max
0121661064 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has stable employment as an XXX for the past 25 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.83% DTI < 43% guideline max
0174099974 (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  No late consumer debt in the past 24 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score 720, borrower has a 803 which is 83 points above the guideline requirement
0174099974 Hybrid Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  No late consumer debt in the past 24 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score 720, borrower has a 803 which is 83 points above the guideline requirement
0174099974 (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  No late consumer debt in the past 24 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score 720, borrower has a 803 which is 83 points above the guideline requirement
0174099974 (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  No late consumer debt in the past 24 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score 720, borrower has a 803 which is 83 points above the guideline requirement
0043207190     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 792

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving SS income and has a business that is producing income that was not needed in qualifying.
0604124784 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 13  years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.04% is below the maximum of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.79% is below the maximum of 80%.
0169666637     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as a XXX for the past 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.82% DTI < 43% guideline max
0746165502     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qualifying FICO exceeds minimum required 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  27.41 Months PITI reserves exceeds minimum 6 months required per guidelines
0994061974     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 14.89 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.66%; guideline maximum is 43%.
0591745499 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 57.9%; Max LTV is  70% ;

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative score is  781;  Min credit score required is 720;
0014674040     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 803 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 10 years
0055279077     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX score is 776; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $241,520.27. Per program guidelines, 12mo PITI/PL  required or $49,614.36.
0516624136 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has bonus income that is not being used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $447,289.29 or 110.81 months, guidelines require 12 months PITIA.
0516624136 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has bonus income that is not being used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $447,289.29 or 110.81 months, guidelines require 12 months PITIA.
0516624136 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has bonus income that is not being used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $447,289.29 or 110.81 months, guidelines require 12 months PITIA.
0658649557 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 11 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 13 years
0658649557 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 11 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 13 years
0658649557 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 11 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 13 years
0308946868     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 35 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.40%; Maximum for program is 80.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $1,359,371.87. Per program guidelines, 12mo PITI/PL  required or $68,539.80

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 772; Minimum for program is 680.
0229866342     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession in the past 10 years.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $215,972.70.12. Reserves required $3,949.35 x  or 54.69 months. 12=$47,392.20.
0015987989 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower employed in XXX for 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $234,492.37 or 32.13 months when 18 months required.
0015987989 Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower employed in XXX for 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $234,492.37 or 32.13 months when 18 months required.
0015987989 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower employed in XXX for 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $234,492.37 or 32.13 months when 18 months required.
0015987989 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower employed in XXX for 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $234,492.37 or 32.13 months when 18 months required.
0897629466     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 49 months reserves. 12 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 805. Minimum credit score for this program is 680.
0104274652     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 3 years

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same profession for the past 18 years.
0940500621     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 13.81 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.04%; guideline maximum is 43%.
0001436381 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of 791, which is 71 points higher than the guideline requirement of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $67,606.75 in post-closing reserves, which is $24,766.19 more than the guideline required amount of $42,840.56, or 18 months in reserves of subject PITIA.
0401719385 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.35% is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 798 exceeds guidelines
0403614567     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 qualifying score. Min required per guidelines is 680.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Lender did not use XXX Vested amount and other bonus income to qualify. Total bonus income for 2018 was $111,320.35/12=$9,276.69 - Lender only used $5,322
0720529663     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 17.59 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has employed with the current employer for 10.59 years.
0104606822     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on current job for 11 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.53% is below the maximum of 43%
0551600189 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 39.96 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.34%; guideline maximum is 43%.
0551600189 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 39.96 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.34%; guideline maximum is 43%.
0127739701 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 806;  Credit score exceeds guidelines of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 18 years.
0606585695     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for 15 years reflecting stability.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers combined Fico of 793 exceeds guidelines minimum score requirements.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers current LTV of 70% is below max guidelines of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.18%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $277477.86 or 42.81 months, guidelines require 12 months PITIA .
0604972425 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 795; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $307,456.98 (117.35 months PITIS); 12 months reserves required.
0780800532 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX Employed for 3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.40%; guideline maximum is 43%.
0562672333     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 464,703.75 or 112.88 months, guidelines require 12  months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Score for Grading is 772
0215893857 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  768 qual score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  41 months of reserves verified.
0296806338     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has five years in XXX.Co-borrower has seven years in XXX.

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

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Representative credit score is 782.  Minimum credit score required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves $145,279.25.  Reserves required $50,322.24 (12 x $4193.52 ).
0887858696     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for the past 2 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 10 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 3 and 11 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0981705473 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,469,314.58 or 388.73 months PITI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines score of 680 by 128 points
0270508065     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $524,896.99 exceeds guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.52% DTI < 43% guideline max
0117846092     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 19 years at current employer.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX for 12 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV is 80%, actual LTV is 65%.
0730240498     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is less than the 43% maximum allowed.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1's income of $5,333.34 supported by pay stub was not used for qualifying.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $93,404.60.  Reserves required $43,239.96 (12 x $3603.33).
0490826421     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75%. Max LTV for this program is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 680.
0253656178 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $94,289.02.  Reserves required $50,812.92 (12 x $4234.41 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 10 years and 4 months at current job.
0809719169 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 804; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $353,842.32.  Per program guidelines, 12mo PITI/PL  required or $46,643.88.
0809719169 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 804; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $353,842.32.  Per program guidelines, 12mo PITI/PL  required or $46,643.88.
0809719169 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 804; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $353,842.32.  Per program guidelines, 12mo PITI/PL  required or $46,643.88.
0252682929     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.70%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of business for 8 years.
0441247330 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 53.13%; guideline maximum is 80%.
0441247330 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 53.13%; guideline maximum is 80%.
0121103743 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrower DTI is 18.61%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 11 years and 8 months at current job.
0121103743 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrower DTI is 18.61%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 11 years and 8 months at current job.
0230969268 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $291751.15 or 66.52 months, guidelines require12  months PITIA .
0230969268 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $291751.15 or 66.52 months, guidelines require12  months PITIA .
0839714127 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $634106.78 .  Reserves required $49,829.52 (12 x $4152.46 ).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680..
0839714127 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $634106.78 .  Reserves required $49,829.52 (12 x $4152.46 ).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680..
0699329754 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $271,645.92 OR 75.92  months reserves. 12 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 805. Minimum credit score for this program is 680
0209053411 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 11 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 802. Minimum credit score 720 required for the subject transaction

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $77,830.68 reserves required for the subject transaction. Verified $259,942.22 or 40.08 months reserves
0209053411 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 11 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 802. Minimum credit score 720 required for the subject transaction

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $77,830.68 reserves required for the subject transaction. Verified $259,942.22 or 40.08 months reserves
0608285982 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13 years.
0608285982 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13 years.
0424791346 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $82,952.53 or 24.76 months PITIA, guidelines require12  months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 16 years.
0424791346 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $82,952.53 or 24.76 months PITIA, guidelines require12  months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 16 years.
0220897833     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.12%; Max DTI for the product is 43%;

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 790;  Minimum credit score required is 680.
0274862710 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.00%; Maximum for program is 80.00%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 767; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $751,263.82  or 135.96  months, guidelines require 12 months PITIA.
0274862710 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.00%; Maximum for program is 80.00%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 767; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $751,263.82  or 135.96  months, guidelines require 12 months PITIA.
0014653295 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 51.37%.  Maximum LTV is 80% per guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $932,262.61.  Reserves required $64,046.04 (12 x $5337.17).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 783.  Minimum credit score required is 680.
0877940921 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 680.  Representative credit score is 724.
0515091953     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 15.92%. Maximum DTI allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $68,030.04 PITIA reserves required for the subject transaction. Verified $793,133.79 or 139.90 months reserves

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 5 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer over 11 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 788. Minimum credit score required 720
0227889966 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 17 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43% LTV is below guideline requirements of 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 2 years.
0227889966 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 17 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43% LTV is below guideline requirements of 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 2 years.
0227889966 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 17 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43% LTV is below guideline requirements of 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 2 years.
0227889966 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 17 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43% LTV is below guideline requirements of 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 2 years.
0227889966 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 17 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43% LTV is below guideline requirements of 70%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 2 years.
0270369463     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has Commission income not being used to qualify  YTD $8,265.06; 2018 $111,747.72 ; 2017 $81,841.39/24=$8,066.21 and Borrower 2 has Bonus income not being used to qualify  YTD $15,410.07/2.58=$5,972.89; 2018 $18,807.95; 2017 $15,000/24=$2,817.32.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 680.
0309200777     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $191,347.19 or 46.93 months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37%. Max DTI for this program is 43%.
0725058729 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 5 years.
0816584592 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers DTI is 30%; guidelines requires 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have excellent credit with median scores of 809 and 812; guidelines require 680
0816584592 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers DTI is 30%; guidelines requires 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have excellent credit with median scores of 809 and 812; guidelines require 680
0505240749     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.01%, max per guidelines is 43%.
0562077712     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.24%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 790. Minimum credit score for this program is 680.
0816825254 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $122,788.72, or 29.84 months, when 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 816 for primary wage earner.
0576958692     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $371189.77 in total assets documented. Effective amount of assets used $322984.14, with liquid assets of $250,675.70, and funds required to close of $154,766.75 results in $168,217.39 reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 25.4 years at current job.
0734934881 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 14 years.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit, currently 0 x 30 on all opened trade lines.
0889278303 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 803. Minimum credit score for this program is 680.
0811511938 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  744 qualifying score. Min required per guidelines is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post-closing reserves of $171,315.10 or 36 months subject PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in their current profession for seven years.
0741451368 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $353,870.76.  Reserves required $52,987.20 (12 x $4415.60 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.40%; max per guidelines is 43%.
0741451368 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $353,870.76.  Reserves required $52,987.20 (12 x $4415.60 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.40%; max per guidelines is 43%.
0823431480     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $318,132.20 or 63.42 months, guidelines require 18 months PITIA .

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower  has been employed for 12 years.
0781931152     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $424,157.75 (83.13 months PITI) exceed reserves required of $61,224.72 ($5,102.06 x 12).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.92%. Max DTI for this program is 43%.
0699636347 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $160,391.02.  Reserves required $4,559.38 x12 = $54,712.56.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Per offer letter borrower is eligible for sales incentive plan of $66,000 and an equity award of $75,000 an addition to borrower salary.  Lender only used Salary to qualify.  Large increase in pay from $8,878.66 per month to $12,883.33 per month
0699636347 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $160,391.02.  Reserves required $4,559.38 x12 = $54,712.56.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Per offer letter borrower is eligible for sales incentive plan of $66,000 and an equity award of $75,000 an addition to borrower salary.  Lender only used Salary to qualify.  Large increase in pay from $8,878.66 per month to $12,883.33 per month
0903724938 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at departure residence for 10.63 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 7.62 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 19 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 118 months when 12 months required.
0903724938 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at departure residence for 10.63 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 7.62 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 19 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 118 months when 12 months required.
0560820298 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.06%, max per guidelines is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.
0560820298 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.06%, max per guidelines is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.
0436355399 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $89,491.18 or 22.76 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 761 exceeds guidelines
0271385037 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 19 years with current employer as an XXX.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30 mortgage history over 6 years.
0615433767     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has XXXX that have not been used in qualifying. Significant residual income

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 6.65 years.
0989747628 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 19.83 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.62%; guideline maximum is 43%.
0800560084 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $548,148.42  or 128.89 months PITIA, guidelines requires 12 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 qualifying score. Min required per guidelines is 680.
0074015063 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $636,759.59 or 101.46 months PITI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines score of 680 by 128 points.
0074015063 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $636,759.59 or 101.46 months PITI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines score of 680 by 128 points.
0803622980 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 15 years
0803622980 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 15 years
0220304998     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 26.9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 26 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.19% is 15.81% less than 43%.
0900548734 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 794; Minimum score required is 680;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is  19.80%; Max DTI for the loan is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $990,923.75;  Reserves required $4423.39 x 12 = $53,080.68;
0900548734 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 794; Minimum score required is 680;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is  19.80%; Max DTI for the loan is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $990,923.75;  Reserves required $4423.39 x 12 = $53,080.68;
0415179813 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at the same job for the past 7 years and 5 months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has positive mortgage payment history 0 x30 past 27 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0415179813 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at the same job for the past 7 years and 5 months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has positive mortgage payment history 0 x30 past 27 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0415179813 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at the same job for the past 7 years and 5 months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has positive mortgage payment history 0 x30 past 27 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0332736607 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $1,343,214.68.  Reserves required $133,788.24 (12 x $11,149.02 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 6 years and 3 months at current job.
0658042986     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 801; Minimum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $610,847.39.  Per program guidelines, 12mo PITI/PL  required or $110,233.32.
0318559143     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower currently employed with current employer over 12 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 778. Minimum credit score required for the subject transaction 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $43,150.92 reserves required for the subject transaction. Verified $188,897.37 or 52.53 months reserves
0747113264 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 7 years.Co-Borrower has been in the same profession for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.25%; guideline maximum  is 43%.
0741375619 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.98%.  Maximum DTI per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The co-borrower has been in current profession for 11 years.
0519144546 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current home for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.09%, below maximum guideline of 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $908,650.62. Reserves Required: $5,639.28 x12 = $67,671.36.
0519144546 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current home for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.09%, below maximum guideline of 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $908,650.62. Reserves Required: $5,639.28 x12 = $67,671.36.
0519144546 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current home for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.09%, below maximum guideline of 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $908,650.62. Reserves Required: $5,639.28 x12 = $67,671.36.
0606123206 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.06%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 13 years.
0227454551 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $120,021.86.  Reserves required $62,382.84 (12 x $5198.57 ).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 775.  Minimum credit score required is 680.
0907778787 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 814; minimum required credit score per guidelines is 680.

CFCFS2860: Good credit history
- Clayton Comments:  The Borrower has an overall good credit history. No derogatory findings. No public record findings.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  The Borrower has a 0x30; 50 month mortgage history review.
0055585721 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 44.85%, max allowed is 80%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been wage employed for 16 years. Co-Borrower has been wage employed for 15 years.
0161592098 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.64%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $486,558.38  or 127.93 months, guidelines require 12 months PITIA.
0352387729     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793; Maximum credit score for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $356,547.97.  Per program guidelines, 12mo PITI/PL  required or $37,164.36.
0301987382 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer 21 years as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have verified post closing reserves $631,984.09; per guidelines, 12 months PITI $68,994.00 is required.
0850190511 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post close reserves $166,807.59  or 18.04 months PITIA, guidelines required 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 743. Minimum credit score for this program is 700.
0079816554 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,229,597.50 (95 mos), guidelines require 12 months PITIA

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Rental income not used and K1 income not used
0078368279     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 781 exceeds minimum guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $120,906.44 or 22.68 months.  Reserves Required: $5,318.31 x 12 = $63,819.72
0518215475 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $163,108.75.  Per program guidelines, 12mo PITI/PL  required or $45,978.24.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 787; Minimum credit score per program guidelines is 680.
0615765680 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 807. Minimum credit score for this program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 29 months cash reserves. 12 months required for this program.
0067058287     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $146,149.24 or 39.96 months PITI, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.67% below guideline requirement of 43% by 21.33%
0305917338     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 786. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70%. Max LTV for this program is 80%.
0574634007     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $411,373.67.  Reserves required $114,701.76 (12 x $9558.48 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 11 years and 4 months at current job.
0251826991 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.94% is 10.06% less than 43%.
0941061264 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for over 30 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 39.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 794; required score 720.
0941061264 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for over 30 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 39.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 794; required score 720.
0941061264 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for over 30 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 39.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 794; required score 720.
0941061264 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for over 30 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 39.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 794; required score 720.
0191653903     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $377,733.43.  Reserves required $62,727 (12 x $5231.05).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.65.  Maximum DTI per guidelines is 43%.
0114897320 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX Employed for 7 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.59%; guideline maximum is 43%.
0981061535 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 804. Minimum credit score for this program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 55 months reserves.
0331945740 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $835,896.74 or 72.79 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Middle score of 809
0331945740 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $835,896.74 or 72.79 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Middle score of 809
0331945740 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $835,896.74 or 72.79 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Middle score of 809
0309110868 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 787. Minimum credit score for this program is 680.
0309110868 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 787. Minimum credit score for this program is 680.
0394929233     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has  significant time in profession as XXX, XXX for the past 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 Credit score exceeds guidelines minimum of 680
0910098785 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over 11 years.
0910098785 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over 11 years.
0066616826 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves: $148,509.73, Reserves Required: $3,452.27 x 12 = $41,427.24.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  52% LTV below maximum guideline of 70%.
0066616826 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves: $148,509.73, Reserves Required: $3,452.27 x 12 = $41,427.24.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  52% LTV below maximum guideline of 70%.
0086497165 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 26 years.
0739412209 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX. Max LTV for this program is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months reserves. 12 months required for this program.
0739412209 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX. Max LTV for this program is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months reserves. 12 months required for this program.
0739412209 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX. Max LTV for this program is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months reserves. 12 months required for this program.
0270369442 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Bonus income YTD $165,000/12=$13,750 (not used)

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 380
0270369442 Hybrid Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Bonus income YTD $165,000/12=$13,750 (not used)

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 380
0270369442 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Bonus income YTD $165,000/12=$13,750 (not used)

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 380
0220654425     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 791. Minimum credit score for this program is 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 17 years.
0362699986 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $172,170.49 or 39.04  months, guidelines require 12 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.
0362699986 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $172,170.49 or 39.04  months, guidelines require 12 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.
0362699986 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $172,170.49 or 39.04  months, guidelines require 12 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 680.
0278901004     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $354,197.75.  Reserves required $45,665,.40 (12 x $3805.45 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.95%.  Maximum DTI per guidelines is 43%.
0938395726 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16 years and 2 months at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying credit score is 808.  Minimum required per guidelines is 680.
0938395726 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16 years and 2 months at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying credit score is 808.  Minimum required per guidelines is 680.
0938395726 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16 years and 2 months at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying credit score is 808.  Minimum required per guidelines is 680.
0772369516     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 16 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years in XXX.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented bonus income of $7,235.92 not used in qualifying.
0573000250     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has bonus income not used for qualifying.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 806.  Minimum required credit is 680.
0529284218     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 799. Minimum credit score for this program is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.00%. Max LTV for this program is 80.00%.
0118206840 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been at current job for 13 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced from $5,958.15 to $5,390.53.
0118206840 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been at current job for 13 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced from $5,958.15 to $5,390.53.
0118206840 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been at current job for 13 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced from $5,958.15 to $5,390.53.
0118206840 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been at current job for 13 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced from $5,958.15 to $5,390.53.
0561283275     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in XXX for 23 years.Co-borrower has been employed in XXX for 25 years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $999,613.24.  Reserves required $147685.92 (12 x $12,307.16).
0506658596 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 6.5 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.41% is below the maximum of 80%
0506658596 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 6.5 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.41% is below the maximum of 80%
0506658596 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 6.5 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.41% is below the maximum of 80%
0835241057 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 11.85 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 5.54 years.
0092957974     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  45 years on job

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $255,480.65.
0236654925     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same job for the past 3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the same job for the past 9 years.
0933556682 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The XXX credit score is 799; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $878,363.80  or 126.52  months, guidelines require 12 months PITIA .
0367594169 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been employed in the XXXfor 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.4% DTI is less than the 43% maximum allowed.
0981407942     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying FICO exceeds minimum required 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 14 years
0230046852 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $756,371.60.  Reserves required $128,094.48 (12 x 10,674.54 ).

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 18 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0679907903 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 768. Minimum credit score for this program is 680.
0770189372 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.69%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 720.  Representative credit score is 787.
0463316254 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 middle score; required minimum credit score per guidelines is 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  40 years XXX employed same business.
0980776305 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26%, maximum allowed is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have $88,923.50 in total assets documented. Reserves required $75,449.64.
0812976933 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B4 has been in current profession for 10 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46% is below the maximum of 70%
0291617406     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.97%; guideline maximum is 43%.
0727066015     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 13 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job 32 years
0712719885     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $213,375.52 or 33.08 months PITIA.  Reserves required $6451.06 x 12 = $77,412.72.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 793, exceeds minimum guideline requirement of 680
0664105536     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 29 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $137,989.82.  Per program guidelines, 12mo PITI/PL  required or $49,565.04.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 797.  Minimum for program is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70.00%; Maximum LTV per program guidelines is 80.00%
0754295418     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 19 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 34 months when 12 months required.
0114619487 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $158,928.85.  Reserves required $40,831.08 (12 x $3402.59 )

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been at current job for 18 years and 6 months.
0114619487 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $158,928.85.  Reserves required $40,831.08 (12 x $3402.59 )

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been at current job for 18 years and 6 months.
0114619487 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $158,928.85.  Reserves required $40,831.08 (12 x $3402.59 )

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been at current job for 18 years and 6 months.
0795163840 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 758 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $43,645.20 reserves required for the subject transaction. Verified $192,989.35 or 53.06 months reserves
0613528485 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $191,682.92.   Reserves required $53,820 (12 x $4485 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 23 years and 6 months at current job.
0613528485 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $191,682.92.   Reserves required $53,820 (12 x $4485 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 23 years and 6 months at current job.
0043347347     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 Bonus income (not used) YTD $86,866.44/12=$7,238.87; 2018 $69,481.00; 2017 $72,441.10

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $395,844.14.  Reserves required $5,341.33 x 24 = $128,191.92.
0775463925 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20% is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 785 exceeds the minimum of 720
0484031845 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 39.44%; max allowed per guidelines is 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $595,819.19  or 174.08 months, guidelines require 12 months PITIA.
0484031845 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 39.44%; max allowed per guidelines is 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $595,819.19  or 174.08 months, guidelines require 12 months PITIA.
0800752685 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 15.42 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.54%; guideline maximum is 43%.
0850442092     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been wage employed for 6 years. Co-Borrower has been wage employed for 6 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced from $4,593.42 to $4,264.92 ($328.50 per month)
0303917489 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI of 18.55%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage history is 0 x 30 past 39 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guidelines.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduction from $4263.72/month to $3668.36/month, a $595.36/month savings.
0303917489 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI of 18.55%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage history is 0 x 30 past 39 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guidelines.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduction from $4263.72/month to $3668.36/month, a $595.36/month savings.
0810177931     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 bonus income not used; YTD 03.31.19 $202,500/12=$16,875; 2018 $337,500; 2017 $0.00

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $628,485.76  or 120.00 months, guidelines require 12 months PITIA .
0566323165     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $804,632.94   or 161.96 months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 802. Minimum credit score for this program is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.00%. Max LTV for this program is 80.00%.
0580225870     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.47 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.38%; guideline maximum is 43%.
0930998978 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 7 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 23 years
0930998978 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 7 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 23 years
0368237831     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $224,455.75 (31.53 months PITI). $85,425.60 ($7,118.80 x 12 months) required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 680.  Representative credit score is 796.
0542524091 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $373,933.07. Reserves required $4,043.76 x 12 =$48,525.12

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0 x 30 on all currently opened trade lines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for the past 15 years.
0542524091 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $373,933.07. Reserves required $4,043.76 x 12 =$48,525.12

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0 x 30 on all currently opened trade lines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for the past 15 years.
0503887961     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.80% DTI.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  45 months of reserves verified.
0365424102 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 813. Minimum credit score for this program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.53%. Max DTI for this program is 43.00%.
0126493436     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 21.58%; guidelines require 43%

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have 20+ tradelines with high credit however they have  very conservative usage of credit cards. 0 x30 credit history.
0865898040 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 789 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 74.55%; max allowed LTV per guidelines is 80%.
0865898040 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 789 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 74.55%; max allowed LTV per guidelines is 80%.
0263760287     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $256,424.76 or 58.38 months, guidelines require 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.46; max per guidelines is 43%.
0681646535 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.80%, which is below 80% maximum LTV.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has 0 x 30 mortgage history past 40 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in same line of work. Co-borrower has 30 years in same line of work.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves of $301,701.35, or 79.06 months PITI.
0681646535 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.80%, which is below 80% maximum LTV.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has 0 x 30 mortgage history past 40 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in same line of work. Co-borrower has 30 years in same line of work.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves of $301,701.35, or 79.06 months PITI.
0004782375 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 17 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0817867709     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 788; minimum required credit score per guidelines is 680.

CFCFS2860: Good credit history
- Clayton Comments:  B1 has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 34.04%; max allowed DTI per guidelines is 45%.
0208370098     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has ten years in XXX.Co-borrower has 10 years in XXX.

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

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 123 months on departure residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.49% DTI is less than 43% maximum allowed.
0920205108 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 6 years as an XXX
0932493229     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for 10.97 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.13%; guideline maximum is 43%.
0279302868     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.48%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 775. Minimum credit score for this program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $126,928.11  or 26.12  months, guidelines require 12 months PITIA
0710393521     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $207557.10 or 40.51  months. Guidelines require 12  months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 755. Minimum credit score for this program is 680.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0645075884 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 706; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10.08 years.
0357154519 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 793;  Minimum credit score required is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  30.20%; Max DTI for the product is 43%;
0357154519 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 793;  Minimum credit score required is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  30.20%; Max DTI for the product is 43%;
0181967078     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 19 years in XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 6.5 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income of $2,916.67 documented but not used for qualifying.
0968523798     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.32% , below max guideline of 80.00%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 778 exceeds minimum guideline of 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $174,403.42 OR 34.05 months.  Reserves required $5,121.40 x 12 = $61,456.80.
0321503133 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 40 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves  $1.825.774.09 or 444.12 months, guidelines require 118 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 795. Minimum credit score for this program is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27%. Max DTI for this program is 43%.
0249794483 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as a XXX for the past 5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job at XXX for the past 11 years.
0442040135 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.81%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 744 exceeds guidelines
0442040135 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.81%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 744 exceeds guidelines
0442040135 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.81%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 744 exceeds guidelines
0343850802 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 803 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $ 767,133.44 or 35.79  months, guidelines require 12  months PITIA
0372770363 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 780. Minimum credit score required 720
0516103400 Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.06%; guideline maximum is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have residence at the current residence for 18.43 years.
0516103400 Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.06%; guideline maximum is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have residence at the current residence for 18.43 years.
0516103400 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.06%; guideline maximum is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have residence at the current residence for 18.43 years.
0516103400 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.06%; guideline maximum is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have residence at the current residence for 18.43 years.
0896301897     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $152,306.17 or 33.68 months PITIA, guidelines required 12 months PITIA.
0210536267     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  144.37  Months PITI reserves exceeds minimum 12  months required per guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying FICO exceeds minimum required 680.
0610787658 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 20.99 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX for 21 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months on subject.
0610787658 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 20.99 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX for 21 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 33 months on subject.
0713990299     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying FICO exceeds minimum required 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Remaining reserves of $926,496.90 or 165.64  Months PITI reserves exceeds minimum  12 months required per guidelines
0887631462 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 805. Minimum credit score required 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $84,476.64 reserves required for the subject transaction. Verified $350,149.58 or 66.66 months reserves
0484776941 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $134,039.10.  Reserves required $51,412.92 (12 x $4284.41 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over 17 years and 5 months with XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have excellent credit with no derogatory accounts.
0484776941 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $134,039.10.  Reserves required $51,412.92 (12 x $4284.41 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over 17 years and 5 months with XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have excellent credit with no derogatory accounts.
0209994227     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $156,535 after closing is 46 months reserves. Guidelines require 12 months PITIA.
0470003451 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  761 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  38.63 months PITI reserves.
0779673789     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 807 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0739708940 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 19.78 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.47%; guideline maximum is 43%.
0825052742 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for approximately 8.5 years and in the same line of work for 20 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduction of $742.08 per month.
0559095331     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.81%, max per guidelines is 43%.
0671237327 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 793; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing  reserves of $69,558.31; 68.86 months PITIA.
0671237327 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 793; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing  reserves of $69,558.31; 68.86 months PITIA.
0996704747 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 12 years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  64.10% LTV is below 80% maximum allowed.
0996704747 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 12 years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  64.10% LTV is below 80% maximum allowed.
0071559468 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.30% is below the maximum of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 30 years
0698664444 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.43% DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  705 qual score.
0498740772 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  30 years in home.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.14%
0498740772 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  30 years in home.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.14%
0498740772 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  30 years in home.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 56.14%
0816353253     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $168,083.94  or 85.41 months PITIA, guidelines requires 12 months reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.68%, max per guidelines is 43%.
0374654092     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $809,642.23.  Reserves required: $14,625.83 x 12= $175,509.96.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed by XXX for over 15 years.
0203694892     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 7 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on same job for the past 3 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0283516480     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for 84 months when 12 months are required.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history is for 264 months or 22 years when 24 months are required.
0290883459 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for six years. Co-borrower employed in XXX for 13 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Primary borrower score of 817 exceeds the 680 minimum per guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.67% DTI is less than the 43% maximum allowed.
0783067049 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been with her current employer for 18.5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $355,397.52 or 7.27 months, guidelines require 12 months PITIA.
0121289638 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $127,021.44 or 37.73  months, guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786  qualifying score. Min required per guidelines is 680
0243158077 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 18 years.

CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  Down payment was 52.94%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  borrower has 787 months of verified reserves
0243158077 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 18 years.

CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  Down payment was 52.94%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  borrower has 787 months of verified reserves
0673273247     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on same job for the past 4 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the same residence for the past 2 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history currently 0 x 30 on all opened trade lines.
0066303606 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.31%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 35 years.Co-Borrower has been in the same profession for 30 years.
0593495407     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives bonus income not used for qualification.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI 26.31%.  Maximum DTI 43%.
0965165372 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $411,042.35  or 95.27 months PITIA, guidelines requires 12 months reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.73%, max per guidelines is 43%.
0820054570     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $250,540.43 or 68.70  months, guidelines require 12 months PITIA .   .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 qualifying score. Min required per guidelines is 680.
0596672423 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 14 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $149,171.29.  Reserves required $44,910.36 (12 x $3742.53 ).
0782534005 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,735.64 or 67.27 months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 41.08%, max per guidelines is 43%.
0168476464 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is  787; Minimum credit score required is 720;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.01%; Max DTI for the product is 43%;
0168476464 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is  787; Minimum credit score required is 720;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.01%; Max DTI for the product is 43%;
0737690505     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower1 has been employed with the employer for 5.08 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.46%; guideline maximum is 43%.
0270034479     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 6.27 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.23%; guideline maximum is 43%.
0044700771     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 767 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.31% is below the maximum of 43%
0364707997     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68.42%. Max LTV for this program is 80.00%.
0297958720     CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  Borrower's have put down over 40% of own verified funds down; 20% over required minimum of 20%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.29%, DTI maximum is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $3,295,351.62 or 735.45  months, guidelines require 12 months PITIA.
0485993151     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.20 below max guideline requirement of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $396,148.76    Reserves required $3,945.76 x 12 = $47,349.12 + 6 additional months for retained property $1,715.69 6 = $10,294.14 = $57,643.26
0090341137 Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.72%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $252,858.41 or 85.07 months, guidelines require 12 months PITIA .
0591596852 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 26.46 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  823 qualifying score. Min required per guidelines is 680.
0591596852 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 26.46 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  823 qualifying score. Min required per guidelines is 680.
0480912477     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 4 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history. Currently  0 x 30 on all opened trade lines.
0905826979 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 62.37%. Max LTV for this program is 80.00%.
0905826979 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 62.37%. Max LTV for this program is 80.00%.
0560877378     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $254,770.06.  Reserves required $58,578.48 (12 x $4881.54).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 800.  Minimum credit score required per guidelines is 680.
0511534619 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $614,864.60.  Reserves required $50,242.56 (12 x 4186.88 ).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 784.  Minimum required score per guidelines is 680.
0511534619 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $614,864.60.  Reserves required $50,242.56 (12 x 4186.88 ).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 784.  Minimum required score per guidelines is 680.
0218433957     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.36% is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 751 exceeds guidelines
0620895732 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  89.64  Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782  qualifying FICO exceeds minimum required 680
0108477306 Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Commission and other documented income not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 41.94%. CLTV 46.62%. HCLTV 60.59%. Max LTV for this program is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $171,466.12  reserves  or 28 months . 12 months required for this program.
0061710029     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.17% DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qual score.
0928812297     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.65%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $208,341.98 or 59.17 months PITIA, guidelines requires 12 months reserves.
0504910642     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower with current employer for 21 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.00%. Max DTI for this program is 43.00%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75%. Max LTV for this program is 80%.
0311641643 Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 795; credit score guideline is 680.
0971982118 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 779; required score 720.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income not used to qualify; 24 year average (2018/2019) $10,000  + $47,000 /24= $57000/24 = $2,375/month.
0226739979 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 9 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.21% is below the maximum of 43%
0826774490     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 receives additional income in the form of OT and bonuses which was not used for qualifying.  Borrower 1 has additional sources of income not used for qualifying.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  28 months verified cash reserves exceeds 12 months required.
0818072354 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 784. Minimum credit score required 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $47,511.96 reserves required for the subject transaction. Verified $257,665.29 or 65.08 months reserves
0515560731 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 x PITIA $6,434.03 = $77,208.36 PCL $610,688 / $6434.03 = 94.9 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years in current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 21 years in current line of work.
0515560731 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 x PITIA $6,434.03 = $77,208.36 PCL $610,688 / $6434.03 = 94.9 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years in current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 21 years in current line of work.
0515560731 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 x PITIA $6,434.03 = $77,208.36 PCL $610,688 / $6434.03 = 94.9 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years in current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 21 years in current line of work.
0515560731 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 x PITIA $6,434.03 = $77,208.36 PCL $610,688 / $6434.03 = 94.9 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years in current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 21 years in current line of work.
0421849288 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 804; Credit score exceeds guidelines of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the same profession for 30 years.
0368887246 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 680.
0270084761 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 19 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence over 9 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 808. Minimum credit score required 720
0064147689     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for the past 2 years and 11 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 3 years.
0558715091     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.57%, max per guidelines is 43%.
0490120386     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $849,577.39.  Reserves required.  $66,923.52 (12 x $4438.46) + XXX (6 x $2277).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 28 years and 3 months.
0451766372 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $452,629.10 or 116 months PITI, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.18% below guideline requirement of 43% by 11.82%
0297829718 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $165,294.34 or 31.16 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 14 years.
0297829718 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $165,294.34 or 31.16 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 14 years.
0341025788     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 801; minimum required credit score is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 38.73%; max allowed DTI per guidelines is 43%.
0857740568 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 51 months reserves. 18 month required for this program.
0857740568 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 51 months reserves. 18 month required for this program.
0857740568 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 51 months reserves. 18 month required for this program.
0306965487 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 11.37 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 755; required score 720.
0306965487 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 11.37 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 755; required score 720.
0490237911 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 12 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of 74 months PITI exceeds the minimum required.
0288703543     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 40.06%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $94,371.51 or 14.33 months PITIA, guidelines required 12 months PITIA
0242664653 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 775. Minimum credit score 720 required for the subject transaction

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 24.54%. Maximum DTI allowed 43.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $38,541.36 PITIA reserves required for the subject transaction. Verified $141,060.45 or 43.92 months reserves
0628490569     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $216,890.69 or 58.20 months, guidelines require 12 months PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on current job with XXXX for 13 years.
0425758750     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  766 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $217,744.06 or 35.22 months, guidelines require 12 months PITIA.
0673437142     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 27 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score 773; exceeds guidelines of 680.
0662650531 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 760 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves are $4769.76 x 12 = $57,237.12; total cash to close is $1016.58.  Post closing funds are $83,721.56.
0650924058 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70%.  Maximum LTV per guidelines 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.03%.  Maximum DTI per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $726,116.61. Reserves required $54,405.60 (12 x $4533.80 ).
0350107785     CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  0X30

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 75 months verified reserves
0547915849 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 805; required score 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $544,769.14; 98.60 months PITIA.
0089439593     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.22% is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 768 exceeds guidelines minimum
0101480227     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $197,267.90 or 51.22 months, guidelines require 12  months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.98%. Max LTV for this program is 80.00%.
0906788080 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.33%. Max DTI for this program is 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 26 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 795. Minimum credit score requirement for this program is 720.
0638205694 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 qualifying score. Min required per guidelines is 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.
0174701179 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $547,357.27 or 183.53 months PITI, Guidelines require 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 741 exceeds guidelines score of 680 by 61 points
0802672473 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed for 25 years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  B3 - Just got XXX In XXXB4 - Just became an XXX
0834971186 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $195,202.64   or 67.80 months, guidelines require 12 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.56% below guideline requirement of 43%.
0006465905 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.68 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.42 years.
0006465905 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.68 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.42 years.
0933877992 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $76,434.82.  Required reserves $39,826.44 (12 x $3318.87).

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 8 years in profession.
0623330256     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 19 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.00% is below the maximum of 43%
0663712905 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 13 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70.00%; max allowed per guidelines is 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  723 qualifying score. Min required per guidelines is 680
0356982593     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.68% is 6.32% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.34% is 7.66% less than 43%.
0145407784     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $778,461.81 or 93.73 months PITI,guidelines require 12 months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 15 years
0707777758 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.77%; guideline maximum is 43%.
0700787243     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in profession for over 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI is 24.56% well below guideline.
0602736645     CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 15 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.18% is below the maximum of 43%
0236236963 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $283,734.79.  Reserves required $4,246.37 x 12 = $50,956.44.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.64 below guideline requirements of 43%.
0054439636     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $244,628.02 (49 mos).  12 months reserves are required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers reflect a 0X30 for over 62 months, guidelines require at least 24 months.
0929569653 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same profession for 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  91,1783.07  or 24.01 months, guidelines require 12 months PITIA .
0136747360 Non-Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX is 9.37% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 792 is 92 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0136747360 Non-Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX is 9.37% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 792 is 92 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0136747360 Non-Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX is 9.37% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 792 is 92 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0136747360 Non-Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX is 9.37% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 792 is 92 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0136747360 Non-Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX is 9.37% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 792 is 92 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0136747360 Hybrid Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX is 9.37% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 792 is 92 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.78% is 17.22% less than 43%.
0932548024 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 7 years and 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed as XXX for ten years.
0443692162     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $85,047.86  or 25.31 months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  is 20.37 %, max per guidelines is 43%.
0059336897 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower having no lates on credit report
0486832131     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.06%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $457058.91 in total documented assets. Effective amount is $457058.91 with liquid assets of $457058.91. Post closing reserves are $248271.83. Subject reserves required $6164.11x12=$73969.32.
0418978919     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.82%. Max DTI for this program is 43.00%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 17 years.
0080634606 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 96 months of reserves post closing.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both Borrowers have over 10 years at current place of employment.
0080634606 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 96 months of reserves post closing.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both Borrowers have over 10 years at current place of employment.
0665164552     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.87% below guideline requirement of 43% by 7.13%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $196,501.77 or 37.36 months reserves.
0664319958     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 789; Minimum credit score required for product is 700;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.93%; Max DTI  for the product is 43%.
0476061695     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 9 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  749 qualifying score. Min required per guidelines is 680.
0259519973 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 10 years.B2 has been in the same profession for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.95%; guideline maximum is 43%.
0259519973 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 10 years.B2 has been in the same profession for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.95%; guideline maximum is 43%.
0191233684     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 789 is 89 points higher than 700.
0068278377 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's have additional documented corporate income that is not being used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed the last 12+ years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint score for the primary wage earner (766) exceed guideline limits of 700.
0068278377 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's have additional documented corporate income that is not being used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed the last 12+ years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint score for the primary wage earner (766) exceed guideline limits of 700.
0068278377 Not Applicable Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's have additional documented corporate income that is not being used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed the last 12+ years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint score for the primary wage earner (766) exceed guideline limits of 700.
0068278377 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's have additional documented corporate income that is not being used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed the last 12+ years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint score for the primary wage earner (766) exceed guideline limits of 700.
0068278377 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's have additional documented corporate income that is not being used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed the last 12+ years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint score for the primary wage earner (766) exceed guideline limits of 700.
0094707647 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 25.01%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on current job for 16 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves $225,854.09.  Reserves required $6815.74 x 12 = $81,788.88
0249547490 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  724 qualifying score. Min required per guidelines is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  1st & 2nd mortgages paid for 54 months as agreed.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 5 years.
0249547490 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  724 qualifying score. Min required per guidelines is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  1st & 2nd mortgages paid for 54 months as agreed.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 5 years.
0679930322     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 5 years and 5 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x 30 on all opened trade lines.
0410770320 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 789.  Minimum credit score required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.62% below guideline requirement of 43% by 20.38%.
0638614530 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 10 and 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 47 months of 0x30 mortgage payment history.
0638614530 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 10 and 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 47 months of 0x30 mortgage payment history.
0638614530 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 10 and 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 47 months of 0x30 mortgage payment history.
0469187537 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 720 exceeds the minimum of 700
0469187537 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 720 exceeds the minimum of 700
0469187537 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 720 exceeds the minimum of 700
0338543117 Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Required Reserves $4094.53 X 12 = $49,134.36 Post closing reserves $137,684.96 or 33.93 months

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 67% lower than lender maximum 80%
0076034244 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 800; required score 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the same profession for 13 years.
0076034244 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 800; required score 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the same profession for 13 years.
0074608583     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 744; minimum required credit score per guidelines is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a 0x30; 99 month mortgage history review.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been an XXX for over 11 years.
0815205008 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1/B2 employed in same professions 17 years each.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned current residence 8 years 5 months.
0820238192     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 6 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for the past 2 years.
0536059734 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 23 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  737 qualifying score. Min required per guidelines is 680.
0536059734 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 23 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  737 qualifying score. Min required per guidelines is 680.
0062990195     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 8.83 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 808 is 108 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.0%; maximum per guideline is 43%.
0919169719 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $180,287.40 verified reserves/ $6609.20 PITI = 27 months reserves; 12 months required.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  53 month mortgage history 0X30, 0X60, 0X90
0919169719 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $180,287.40 verified reserves/ $6609.20 PITI = 27 months reserves; 12 months required.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  53 month mortgage history 0X30, 0X60, 0X90
0314525818 Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in XXX for 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $228,246.70. Reserves required $3,511.61 x 12 = $42,139.32.
0109022750     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.00%. Max LTV for this program is 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 817. Minimum credit score for this program is 700.
0555584903 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.05% is 19.95% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 813 is 113 higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.09% is 17.91% less than 43%.
0555584903 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.05% is 19.95% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 813 is 113 higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.09% is 17.91% less than 43%.
0235966420 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current place of residence for 11 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current place of employment for 7 years
0738455154 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 39.86% lower than lender DTI 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 qualifying score. Min required per guidelines is 680
0738455154 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 39.86% lower than lender DTI 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758 qualifying score. Min required per guidelines is 680
0541467369     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.73%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 24.80 months cash reserves. 12 months required for this program.
0793113456     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 810; required score 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 10 years.
0865538373 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 71.43%; guideline maximum is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.10%; guideline maximum is 43%.
0191113412 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $53,612.72.  Reserves required $3,402.45 x 12 = $40,829.40.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 798 exceeds minimum guideline requirement of 700.
0191113412 Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $53,612.72.  Reserves required $3,402.45 x 12 = $40,829.40.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Fico 798 exceeds minimum guideline requirement of 700.
0113262635     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower  has been employed for 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 qualifying score. Min required per guidelines is 680.
0294024168 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $81,094.55.  Reserves required $38,551.92 (12 x $3212.66 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.78%.  Maximum DTI per guidelines is 43%.
0294024168 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $81,094.55.  Reserves required $38,551.92 (12 x $3212.66 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.78%.  Maximum DTI per guidelines is 43%.
0600624223 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for over 7 years

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers having no lates on Credit report
0734191956     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 7.7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been employed with the current Employer for 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.31%; maximum guideline is 43%.
0274317164     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9.5 years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $239,943.95  or 60.37 months, guidelines require 12 months PITIA .
0983148372     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 786; required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves $481,433.63; 76.11 months PITIA.
0251669613     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 24 years and 10 months at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score is 784.  Minimum required score is 680 per guidelines.
0538503257 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 15 years.
0538503257 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 15 years.
0538503257 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 8.5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 15 years.
0779242235 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 786. Minimum credit score for this program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 44 months reserves. 12 months required for this program.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 10 years.
0779242235 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 786. Minimum credit score for this program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 44 months reserves. 12 months required for this program.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 10 years.
0220133462 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.49% is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 811 exceeds the minimum of 680
0681000107     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is over 7 years with same employer,

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit score is  795;  Minimum score required  for the product is 700;
0012566650 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative credit score is  777; Minimum score required is 700;

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has been employed for over 32 years with the same company;
0926988888     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 797; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers' DTI 21.30%; guidelines allow a maximum DTI 43.00%.
0333914245 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative credit score is  770; Minimum credit score required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is  27.62; Max DTI for the product is 43%;
0633877587     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 344 months reserves. 12 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 785. Minimum credit score for this program is 700.
0357732170 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying FICO exceeds minimum required 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $168,385.35 or 42.90 months, guidelines require 12 months PITIA.
0357732170 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying FICO exceeds minimum required 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $168,385.35 or 42.90 months, guidelines require 12 months PITIA.
0834479706 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score for the product is 700; Borrower representative score is  763;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Max DTI for the product is 43%; Borrower DTI is 34.74%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144,865.70 or 30.83 months.  Reserves required $4,698.68 x 12 = $57,784.16
0834479706 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score for the product is 700; Borrower representative score is  763;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Max DTI for the product is 43%; Borrower DTI is 34.74%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144,865.70 or 30.83 months.  Reserves required $4,698.68 x 12 = $57,784.16
0881208000 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with employer for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 785. Minimum credit score for this program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 477 months cash reserves. 12 months required for this program.
0369324291 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 13 years.
0369324291 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 13 years.
0369324291 Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 13 years.
0516785171     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $267,528.80.  Reserves required $43,555.68 (12 x $3629.64 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 30 years at current job.
0939010384 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 700.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Bonus income not used to qualify; YTD $15,000B2 Commission income not used to qualify; YTD $10,920.64
0939010384 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 700.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Bonus income not used to qualify; YTD $15,000B2 Commission income not used to qualify; YTD $10,920.64
0939010384 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 700.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Bonus income not used to qualify; YTD $15,000B2 Commission income not used to qualify; YTD $10,920.64
0688779392     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 806; required score 680.
0455285917     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $126,520.11 or 34.24 months PITIA, guidelines requires 12 months reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.57%, max per guidelines is 43%.
0788847829 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for the past 2 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co- Borrower has been on the same job for the past 3 and 9 months.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 qualifying score. Min required per guidelines is 700.
0666119333 Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 65% lower than lender maximum LTV 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  reserves required $11,119.78 X 12 = $133,437.36 post closing reserves $661,261.34
0666119333 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 65% lower than lender maximum LTV 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  reserves required $11,119.78 X 12 = $133,437.36 post closing reserves $661,261.34
0181002629     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 72.58%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 795; guidelines allow a maximum Credit Score 680.
0523468246     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.04%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.2 years.
0410865514 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 813 is 113 higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.03% is 8.97% less than 43%.
0410865514 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 813 is 113 higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.03% is 8.97% less than 43%.
0268246342 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves  $207,595.90 or 53.16 months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.19%; max per guidelines is 43%.
0860532739     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $931,571.85.  Reserves required $4,006.51 x 12 = $48,078.12.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been employed for 6 years.
0277591816 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower worked in XXX for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 90 months on departure residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.36% DTI is less than the 43% maximum allowed.
0277591816 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower worked in XXX for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 90 months on departure residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.36% DTI is less than the 43% maximum allowed.
0277591816 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower worked in XXX for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 90 months on departure residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.36% DTI is less than the 43% maximum allowed.
0277591816 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower worked in XXX for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 90 months on departure residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.36% DTI is less than the 43% maximum allowed.
0477840790 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 810; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $447,378.03.  Per program guidelines, 12mo PITI/PL  required or $51,723.12.
0477840790 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 810; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $447,378.03.  Per program guidelines, 12mo PITI/PL  required or $51,723.12.
0071843758     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 12 years.Co-Borrower has been in the same profession for 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.69%; guideline maximum is 43%.
0341223784     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $400,689.61. Per program guidelines, 12mo PITI/PL  required or $42,676.56

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 808; Minimum credit score per guidelines is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years.
0968947723     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have reserves of $115,763.73 or 32.57 months PITIA. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 786. Minimum credit score for this program is 700.
0828529500     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 812. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 3reserves of 1,023,429.76 or 306.38 months PITI. 18 months required for this program.
0584140247     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 10.5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 10 years.
0712898631     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves are $1,191,754.96 or 126.92 months PITIA.  Required reserves are $9,369.98 x 12= $112,439.76.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 793.
0908779737     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 799; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers' DTI 18.12%; guidelines allow a maximum DTI 43.00%.
0544075285 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 qualifying score. Min required per guidelines is 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $251,990.82 or 57.65 months. Guidelines require 18 months PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 18 years.
0017539782 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The total debt ratio 32.88% is far below the program maximum 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $226,740.17. Reserves required $60,938.76 (12 x $5078.23 ).
0017539782 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The total debt ratio 32.88% is far below the program maximum 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $226,740.17. Reserves required $60,938.76 (12 x $5078.23 ).
0017539782 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The total debt ratio 32.88% is far below the program maximum 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $226,740.17. Reserves required $60,938.76 (12 x $5078.23 ).
0765930753     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.45%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 804; Credit score exceeds guidelines is 680.
0271547873     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 782. Minimum credit score for this program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 41 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.86%. Max DTI for this program is 43.00%.
0890245095     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.17%. Max DTI for this program is 43%
0520518647 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $154,004.68 or 44.33 months PITI, 12 months PITIA reserves are required.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1/B2 in same profession 10 years
0913458034 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 792. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.10%. Max DTI for this program is 43.00%.
0018314792     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%.  Transaction LTV is 47.39%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 800.
0463060634     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $190,518.39 or 19.80 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.19% below guideline requirement of 43% by 12.81%
0764377670     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 33 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 65.71% is 14.29% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO 817 is 117 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.49% is 14.51% less than 43%.
0655512305 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 4 years and 10 months.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0986622593 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 6 years and 8 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in XXX.Co-borrower has six years in XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.02% DTI is less than the 43% maximum allowed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 FICO exceeds the 700 minimum required.
0349411859     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has reserves of $837,052.90 or 97.98 months PITIA. 12 months reserves are required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 806. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0338014495 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.65.  Maximum DTI per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years in profession.
0338014495 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.65.  Maximum DTI per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years in profession.
0338014495 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.65.  Maximum DTI per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years in profession.
0427690189 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Closing reserves  are $ $94,493.86 or 23.94 months PITIA , guidelines require 12 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years.
0427690189 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Closing reserves  are $ $94,493.86 or 23.94 months PITIA , guidelines require 12 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years.
0427690189 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Closing reserves  are $ $94,493.86 or 23.94 months PITIA , guidelines require 12 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years.
0889333457 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower as been at current residence for 13 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30 years
0857090473     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.10%. Max LTV for this program is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $451,028.70 or 65.79  months. Guidelines require 12 months PITIA .
0254676620     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 19 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 9.25 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66.54% is 13.46% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 777 is 77 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.55% is 24.45% less than 43%.
0032056229     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Effective verified assets $163101.60 - Funds to close $681.97 = $162419.63 verified reserves; 12 months reserves = $48024.24.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been on current job since 29 years.
0573538987 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 777; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $83,044.04.  Per program guidelines, 12mo PITI/PL  required or $67,593.84.
0840213421     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $153,782.44.  Reserves Required $40,402.92 (12 x $3366.91 ).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 6 years and 3 months at current job.
0303588587 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 21 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 15.65 months piti reserves in file.
0662980075     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.25%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $212,046.43  or 55.21 months, guidelines require 18 months PITIA .
0018307949     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current place of employment for 19 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current place of residence for 5 years
0747873742     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $399,029.16 or  87.95 months PITIA, guidelines requires 12 months reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.93,max per guidelines is 43%.
0849501386     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 22 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68% and max LTV is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $294,934.41 (92 mos).  Reserves required $3,196.39 x 12 = $38,356.68..
0315243070 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.14%. Max DTI for this program is 43%.
0315243070 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.14%. Max DTI for this program is 43%.
0017684552 Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43%.  Review DTI is 31.25%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 787.
0017684552 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43%.  Review DTI is 31.25%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 787.
0809174118 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 729; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 32.07%; guidelines allow a maximum DTI 43.00%.
0325320394 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16 years with current employer.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 also receives bonus income approximately $40,000.00 per year not used in qualifying.
0325320394 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 16 years with current employer.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 also receives bonus income approximately $40,000.00 per year not used in qualifying.
0344951668 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55%; max allowed per guidelines is 70%.
0688934968     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 77.86%. Max LTV for this program is 80.00%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 763. Minimum credit score for this program is 700.
0286490937     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at job >25 years demonstrating stable and increasing income.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has bonus income not used for qualification.
0024978986 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score requirement is 700.  Representative credit score is 779.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43%.  Transaction DTI is 22.10%.
0024978986 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score requirement is 700.  Representative credit score is 779.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43%.  Transaction DTI is 22.10%.
0356145732 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.88% below guideline requirements of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.83 below guideline requirements of 80%.
0214343588 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current place of employment for 7 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 6 years
0096165014     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers' LTV 60.00%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 803; guidelines allow a minimum credit score 700.
0848392930 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 7 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has been in same profession for 19 years
0848392930 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 7 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has been in same profession for 19 years
0848392930 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 7 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has been in same profession for 19 years
0797596608 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $134,571.69 or 22.27  months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.11% max per guidelines is 43%..
0797596608 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $134,571.69 or 22.27  months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.11% max per guidelines is 43%..
0797596608 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $134,571.69 or 22.27  months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.11% max per guidelines is 43%..
0264339191     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves: $100,680.71 or 23.51 months PITIA, Reserves Required: $4,282.54 x12 = $51,390.48.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Overtime, bonus not used to qualify. Average additional income $3,666.00/monthly.
0103481373 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $185,712.62 or 40.80 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same profession 16 years.
0135303696 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $228,168.70  or 38.86 months, guidelines require 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 12.55; guidelines require 43%.
0135303696 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $228,168.70  or 38.86 months, guidelines require 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 12.55; guidelines require 43%.
0072021818     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current Employer for 7.6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 798; guideline maximum is 680.
0257889125     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the same residence for the past 12 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 2 years and 5 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on the same job for the past 4 years and 11 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0471883817 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 759; Minimum credit score for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $406248.35  or 86.44 months PITIA, guidelines requires 12 months reserves.
0471883817 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 759; Minimum credit score for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $406248.35  or 86.44 months PITIA, guidelines requires 12 months reserves.
0471883817 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 759; Minimum credit score for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $406248.35  or 86.44 months PITIA, guidelines requires 12 months reserves.
0512677123     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 75 months and 0x30 for 82 months on two additional mortgages.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.59% DTI is less than 43% maximum allowed.
0266153442     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 19 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.20%; guideline maximum is 43%.
0005358094     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 813; required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $319,843.58.  Reserves required $84,689.76 (12 x $7057.48).
0335738563 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $101,033.97  or 25.77  months. Guidelines require 12  months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33%. Max DTI for this program is 43%.
0813786666     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds the minimum of 680

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 12 years
0021905027 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.91%. Max LTV for this program is 80.00%.
0528942590     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $226,004.72, or 46.16 months.  12 months required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 67 months on departure residence.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.41% DTI is less than the 43% maximum allowed.
0598390450     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72.61%. Max LTV for this program is 80.00%.
0569743743     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63.86% is 16.14% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 800 is 100 points higher than 700.
0606952800 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 6.8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score is 811; Credit score exceeds guidelines of 680.
0117085121 Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 XXX income YTD $142,629.98/12=$11,885.83; 2018 $342,884.84/12=$28,573.76; 2017 $114,947.29 B2 Bonus income YTD $8,925/12=$743.75; 2018 $12,300/12=$1025; 2017 $9,000

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 middle score for primary borrower; minimum credit score required is 680.
0186536427     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 45 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 778; Minimum for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $151,842.03 or 41.97 months PITIA. Per program guidelines, 12mo PITI/PL required or $43,411.32.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.19%; Per program guidelines maximum LTV is 70.00%
0254824753     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower's have 0x30 mortgage histories since 11/2009.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same XXX profession for 12 years, B2 has been in the same XXX profession for 15 years.
0432632104     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 4 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX is below guideline requirement
0790956895     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 Bonus income YTD 05/03/19 bonus $94,615/12=$7,884.58; 2018 $67,541.72/12=$5,628.47; 2017 $141,542.00

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,043,758.63 or 195.00 months, guidelines required 12 months PITIA.
0043410945 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed on the same job for the past 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed on the same job for the past 2 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit, currently 0 x 30 on all opened trade lines.
0043410945 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed on the same job for the past 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed on the same job for the past 2 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit, currently 0 x 30 on all opened trade lines.
0598544781 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.16% is below the maximum of 43%
0086267747 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 9 years. Co-Borrower has been in the same profession for 8 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.32%; guideline maximum is 43%.
0086267747 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 9 years. Co-Borrower has been in the same profession for 8 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.32%; guideline maximum is 43%.
0358013710 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.82%; guideline maximum is 43%.
0358013710 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.82%; guideline maximum is 43%.
0926328738     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $143,170.99 or 23.10 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 10 years 9 months.
0723640976 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.1%; max allowed per guidelines is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit users-paid as agreed, 811/792 FICO(min 700 required)
0723640976 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.1%; max allowed per guidelines is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit users-paid as agreed, 811/792 FICO(min 700 required)
0135803765 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 785; Minimum credit score for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 7 years.
0995782722 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $119,684.74 or 23.67 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.26 below guideline requirement of 43% by 9.74%
0575353480     CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower YTD commission and bonus income totaling $3,250.00 per month not being used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 799. Minimum credit score for this program is 700.
0837389883     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 36.31% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required $3061.38 X 12 = $36,736.56 post closing reserves $97,652.34 or 31.89 months PITIA.
0604484454 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 9 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 805. Minimum credit score required 720
0342303190     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 29.09% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required $4,705.19 X 12 = $56,462.28Post closing reserves $624,999.69
0382188727 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 197.80 months cash reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 800. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.51%. Max DTI for this program is 43.00%.
0829283005 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11.02 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 779 is 79 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.61% is 13.39% less than 43%.
0829283005 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11.02 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 779 is 79 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.61% is 13.39% less than 43%.
0829283005 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11.02 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 779 is 79 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.61% is 13.39% less than 43%.
0829283005 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11.02 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 779 is 79 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.61% is 13.39% less than 43%.
0829283005 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11.02 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 779 is 79 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.61% is 13.39% less than 43%.
0004177533     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 801; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $72,427.52.  Per program guidelines, 12mo PITI/PL  required or $39,997.44.
0123191775 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $401,630.60 or 79.58 months PITIA, guidelines requires 12 months reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.05%, max per guidelines is 43%
0223998272     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 15 years 10 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 781; required score 700.
0671643698 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying FICO exceeds minimum required 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.01 Months PITI reserves exceeds minimum 12 months required per guidelines
0507276822     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.46%, max per guidelines is 43%.
0912689985 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $123,206.45 or 36.06  months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 40.01%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  726 qualifying score. Min required per guidelines is 700.
0912689985 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $123,206.45 or 36.06  months, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 40.01%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  726 qualifying score. Min required per guidelines is 700.
0169631005 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 58 months when 12 months required.
0036207264 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in XXX for 29 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 qualifying score. Min required per guidelines is 700.
0036207264 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in XXX for 29 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 qualifying score. Min required per guidelines is 700.
0036207264 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in XXX for 29 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 qualifying score. Min required per guidelines is 700.
0029862864 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,337.94 or 53.22 months PITI, guidelines required 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same profession 20 years.
0161273789     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 8.9 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 803 is 103 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.94% is 8.06% less than 43%.
0359438952     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds the minimum of 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 51 months PITI reserves that exceed the minimum of 12 months
0959447029     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%.  Transaction LTV is 75%.
0721443353 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $124,427.82 (32.35 months PITI).  Required reserves are $46,143.12 ($3,845.26 x 12).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 qualifying score. Min required per guidelines is 680.
0677144612 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in the same profession for the past 11 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history currently 0 x30 on all opened trade lines.
0043145834 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 qualifying score. Min required per guidelines is 700.
0696705759     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at the same job for the past 9 years and 7 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the same residence for the past 6 years and 8 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0621837976 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  737 qualifying score. Min required per guidelines is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $551,307.47.  Required reserves are $70,935.12 (5,911.26 PITI x 12).
0364429822 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%; max allowed per guidelines is 80%.
0364429822 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70%; max allowed per guidelines is 80%.
0542806149 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed on the same job for the past 16 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0791896915 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,187,071.99  Reserves required $4,579.18 x 12 = $54,950.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with XXX for 16 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with XXX for 17 years and 8 months.
0055194268 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 14 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required $3302.84 X 12 = $39,634.08 Post closing reserves $53,919.65
0729473214 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.69%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,456.98.  Reserves required $4,138.57 x 12 = $49,662.84
0956294642     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 19 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x 30 on all opened trade lines.
0674669997     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower employed in XXX for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.30% DTI is less than the 43% maximum allowed.
0658780589 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10.33 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 11.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 790; required score  700.
0658780589 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10.33 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 11.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 790; required score  700.
0658780589 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 10.33 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 11.08 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 790; required score  700.
0966733478     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $114,262.25 or 19.61 months. Reserves required $5,828.80 x 12=$69,937.20.

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at same residence for the past 2 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0469442009 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Both borrowers having good credit, no late payments reported on CR

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 20.29%
0282800037     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers' Credit Score 791; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers' DTI 28.65%; guidelines allow a maximum DTI 43.00%.
0644310749 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employment for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 797 is 97 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.93% is 21.07% less than 43%.
0947225945     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 qual score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 19 months piti reserves in file.
0500177755 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for 10 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing primary residence for over 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 828. Minimum credit score required 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 25.75%. Maximum DTI allowed 43.00%
0417599872 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $411,526.95 or 92.36 months PITIA, guidelines required 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.36%, max per guidelines is 43%.
0417599872 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $411,526.95 or 92.36 months PITIA, guidelines required 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.36%, max per guidelines is 43%.
0417599872 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $411,526.95 or 92.36 months PITIA, guidelines required 12 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.36%, max per guidelines is 43%.
0599551992     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 35.65% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required $3,923.50 X 12 = $47,082 Post closing reserves $113,279.10 or 28.87 months PITIA.
0948450156 Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  35.21%; Max DTI for the product is 43%;

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 809; Minimum credit score for the product is 700;
0948450156 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  35.21%; Max DTI for the product is 43%;

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 809; Minimum credit score for the product is 700;
0559379468 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $74,722.72.  Reserves required $3,271.19 x 12 = $39,254.28

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.73% below guideline requirement.
0241588632 Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 775.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum allowable DTI is 43%.  Review DTI is 34.95%.
0241588632 Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 775.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum allowable DTI is 43%.  Review DTI is 34.95%.
0241588632 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 775.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum allowable DTI is 43%.  Review DTI is 34.95%.
0241588632 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 775.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum allowable DTI is 43%.  Review DTI is 34.95%.
0411968991     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $115,531.46 or 36.04 months PITI, guidelines require 12 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  814 qualifying score. Min required per guidelines is 700
0040203710 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 57.88 months verified piti reserves in file.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 27 years
0213360196 Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 24 years in XXX

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 20 years and 5 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $559,841.10 or, 169.97 months when 18 months required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 39  months for primary residence.
0213360196 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 24 years in XXX

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 20 years and 5 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $559,841.10 or, 169.97 months when 18 months required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 39  months for primary residence.
0060358252 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $324,476.73, or 80.75 months.  12 months required.
0060358252 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $324,476.73, or 80.75 months.  12 months required.
0967800385     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years at current employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have $293,480.19 verified in cash reserves or 42.41 months PITIA, guidelines require 12 months reserves.
0096402960     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 778; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $101,831.76.  Reserves required $43,847.28 (12 x $3653.94).
0159518478     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 792; required score 700.
0614931025 Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.87%. Max LTV for this program is 80.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus and commission income not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 759. Minimum credit score for this program is 700.
0961722746 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 18.26% lower than lender maximum 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required Reserves $3348.20 X 12 = $40,178.40 Post Closing Reserves $88,026.64
0961722746 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 18.26% lower than lender maximum 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required Reserves $3348.20 X 12 = $40,178.40 Post Closing Reserves $88,026.64
0340423211     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 credit score exceeds 700 minimum required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.69% DTI exceeds 43% maximum allowed.
0345656345     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.8 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 790 is 90 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.76% is 10.24% less  than 43%.
0564116417     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co- Borrower has significant time on his current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-Borrower has resided at current residence for the past 13 years

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x 30 on all opened trade lines.
0696436064 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed for 38 years 7 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 has bonus income 24 month average $3527/mo not used to qualify.
0696436064 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed for 38 years 7 months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 has bonus income 24 month average $3527/mo not used to qualify.
0415322354 Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 17.6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.52%; guideline maximum is 43%.
0548042293     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 55.43 months piti reserves in file.
0955037252     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 796 exceeds required score of 720 by 76 points.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves of $400,753.47 exceeds required reserves of $64,309.32  ($5,359.11 X12).
0362160697 Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 58 months reserves. 18 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 799. Minimum credit score for this program is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.55%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.96%. Max DTI for this program is 43.00%.
0051923786 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.32%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 qualifying score. Min required per guidelines is 700.
0796856461     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  B1 DTI is 32.38%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 6 years and 8 months.
0977023389     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $254,673.63 or 41.64 months PITIA, guidelines required 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.01%, max per guidelines is 43%.
0982856262     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 16.2 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 23.10 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 23 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 788 is 88 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.97% is 27.03% less than 43%.
0390342730     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 801; required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves of $248,878.17; 58.05 months PITIA, guidelines require 12 months PITIA.
0860667952 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 766 is 66 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.53% is 9.47% less than 43%.
0893718908 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.38%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 800. Minimum credit score for this program is 700
0388603397 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have verified post closing reserves of $527,177.49 or 159.64 months, guidelines require 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32 years in same profession as a XXX.
0388603397 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have verified post closing reserves of $527,177.49 or 159.64 months, guidelines require 12 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32 years in same profession as a XXX.
0601456978 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 811; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 27.23%; max allowed DTI per guidelines is 43%.
0601456978 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 811; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 27.23%; max allowed DTI per guidelines is 43%.
0601456978 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 811; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 27.23%; max allowed DTI per guidelines is 43%.
0819527470 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds the minimum of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.94% is below the maximum of 43%
0819527470 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds the minimum of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.94% is below the maximum of 43%
0819527470 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds the minimum of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.94% is below the maximum of 43%
0582318402 Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current place of residence for 5 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed for over 5 years.
0596590893     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.78%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 51 months reserves. 12 months required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 792. Minimum credit score for this program is 700.
0484164368     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $75,929.21 or 23.21 months PITIA, guidelines require 12 months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 11 years.
0499969035     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.55%;max allowed per guidelines is 43%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history is for 31 months when 12 months are required.
0821438396     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $123,774.40 or 26.96 months, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 38.55, max per guidelines is 43%.
0530051957     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 20.5 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 769 is 69 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.08% is 12.92% less than 43%.
0831413328 Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower  has been employed for 16 years.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts noted on credit report.
0831413328 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower  has been employed for 16 years.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts noted on credit report.
0152439280     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in XXX for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.74% DTI is less than 43% maximum allowed.
0022552750     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 qualifying score. Min required per guidelines is 680

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 9 years.
0405299668     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is 80%.  Transaction LTV is 74.49%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700.  Representative credit score is 799.
0965808421     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 808; guidelines allow a minimum Credit Score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $869,274.49 or 207.58 months, guidelines require 12 months PITIA .
0913817351     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history on subject of 0x30 for 101 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.97% DTI is less than the 43% maximum allowed.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided in current residence for 21 years
0352122557     CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 7 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 44.89 months piti reserves
0251383472     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 13 years. Co-borrower employed in same profession for 17 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 11 years and 11 months.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has mortgage payment history on departure of 0x30 for 41 months when 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.66% DTI is less than 43% maximum allowed.
0536197256 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $117,201.90 or 20.17 months PITI, guidelines require 12 months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession 13 years.
0536197256 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $117,201.90 or 20.17 months PITI, guidelines require 12 months PITIA .

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession 13 years.
0765934188 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 18.2 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 787 is 87 points higher than 700.
0765934188 Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 18.2 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 787 is 87 points higher than 700.
0857204292     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are $239,377.89.  Reserves required $78,364.62 ($3,954.90 x 18 months).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 812.
0020531788 Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at departure residence for 13 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 16 years.

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 16 years.Co-borrower employed in XXX for 20 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented commission income of $5,054.67 not used for qualifying.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history on departure residence of 0x30 for 98 months when 12 months required.
0982854435 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $189,982.88 or 33.62 months.  Reserves required $67,801.68 (12 x $5650.14 ).

CFCFS2860: Good credit history
- Clayton Comments:  No delinquencies reported,  mid score 777.  Minimum required score per guidelines is 700.
0982854435 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $189,982.88 or 33.62 months.  Reserves required $67,801.68 (12 x $5650.14 ).

CFCFS2860: Good credit history
- Clayton Comments:  No delinquencies reported,  mid score 777.  Minimum required score per guidelines is 700.
0982854435 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $189,982.88 or 33.62 months.  Reserves required $67,801.68 (12 x $5650.14 ).

CFCFS2860: Good credit history
- Clayton Comments:  No delinquencies reported,  mid score 777.  Minimum required score per guidelines is 700.
0982854435 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $189,982.88 or 33.62 months.  Reserves required $67,801.68 (12 x $5650.14 ).

CFCFS2860: Good credit history
- Clayton Comments:  No delinquencies reported,  mid score 777.  Minimum required score per guidelines is 700.
0508184990     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 805; required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves of $73,460.35 or 21.97 months PITIA; guidelines require 12 months PITIA
0306899124     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been in current job for 7 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 48.16 months piti reserves
0502584718     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 24.61%; guidelines allow a maximum DTI 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 762; guidelines allow a minimum Credit Score 720.
0153038248     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $99,985.94 or 22.92 months, guidelines require 12 months PITIA

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 4 yrs 7 months on her current job
0664274096     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 12 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 49 months on departure.
0670298599 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $81,615.36 or 26.13 months PITIA, guidelines require 12 months PITIA .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.44% below guideline requirement of 43% by 21.56%
0964313192 Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $178,870.27 or 22.14.  Reserves required $96,956.52 (12 x $8079.71).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.51%.  Maximum DTI per guidelines is 43%.
0451657882     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 8 years and 1 month.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for the past 4 years and 4 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history, currently 0 x 30 on all opened trade lines.
0651903903 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 799; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $161,488.01.  Reserves required $ 41,541.48 (12 x $3461.79).
0651903903 Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 799; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $161,488.01.  Reserves required $ 41,541.48 (12 x $3461.79).
0651903903 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 799; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $161,488.01.  Reserves required $ 41,541.48 (12 x $3461.79).
0651903903 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 799; required score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $161,488.01.  Reserves required $ 41,541.48 (12 x $3461.79).
0558803383 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for the past 18 years and 4 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on same job for the past 4 years and 8 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently  0 x 30 on all opened trade lines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 30.86/CLTV 42.33%; max allowed per guidelines is 70%.
0075783520     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 12.83 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 801; Credit score exceeds guidelines of 700.
0140058142 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 31.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.73%; guideline maximum is 43%.

 

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-4
Start - End Dates: 4/2017 TO 8/2019
Deal Loan Count: 810
   
                                           
Conditions Report 2.0                                      
                                           
Loans in Report: 810                                      
Loans with Conditions: 455                                      

 

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
0963507581 Yes XXXXXX XXXXXX C A C
0795417122 Yes XXXXXX XXXXXX D A D
0413813221 Yes XXXXXX XXXXXX B B A
0136184503 Yes XXXXXX XXXXXX A A A
0538479394 Yes XXXXXX XXXXXX A A A
0329336015 Yes XXXXXX XXXXXX A A A
0026547960 Yes XXXXXX XXXXXX B B B
0508595239 Yes XXXXXX XXXXXX D B A
0123414667 Yes XXXXXX XXXXXX A A A
0412439702 Yes XXXXXX XXXXXX A A A
0948252999 Yes XXXXXX XXXXXX A A A
0900621341 Yes XXXXXX XXXXXX A A A
0270085883 Yes XXXXXX XXXXXX A A A
0361166625 Yes XXXXXX XXXXXX B B A
0814436497 Yes XXXXXX XXXXXX A A A
0430597946 Yes XXXXXX XXXXXX D A A
0406522915 Yes XXXXXX XXXXXX D B B
0284969463 Yes XXXXXX XXXXXX A A A
0985638788 Yes XXXXXX XXXXXX D B A
0106413640 Yes XXXXXX XXXXXX A A A
0702611325 Yes XXXXXX XXXXXX A A A
0154129695 Yes XXXXXX XXXXXX B B B
0495487504 Yes XXXXXX XXXXXX A A A
0426498562 Yes XXXXXX XXXXXX A A A
0554142674 Yes XXXXXX XXXXXX B B B
0738433473 Yes XXXXXX XXXXXX D A C
0947978154 Yes XXXXXX XXXXXX C B C
0537210073 Yes XXXXXX XXXXXX B B A
0214108704 Yes XXXXXX XXXXXX A A A
0082077831 Yes XXXXXX XXXXXX A A A
0869179023 Yes XXXXXX XXXXXX A A A
0943331316 Yes XXXXXX XXXXXX A A A
0896819792 Yes XXXXXX XXXXXX A A A
0046679319 Yes XXXXXX XXXXXX C A C
0375962694 Yes XXXXXX XXXXXX A A A
0685984761 Yes XXXXXX XXXXXX A A A
0031815283 Yes XXXXXX XXXXXX C B A
0850402179 Yes XXXXXX XXXXXX A A A
0168964563 Yes XXXXXX XXXXXX D A D
0445116363 Yes XXXXXX XXXXXX A A A
0459994776 Yes XXXXXX XXXXXX A A A
0271776638 Yes XXXXXX XXXXXX A A A
0499905695 Yes XXXXXX XXXXXX A A A
0158666868 Yes XXXXXX XXXXXX A A A
0355956948 Yes XXXXXX XXXXXX A A A
0400280022 Yes XXXXXX XXXXXX A A A
0027728627 Yes XXXXXX XXXXXX A A A
0878548977 Yes XXXXXX XXXXXX A A A
0275335233 Yes XXXXXX XXXXXX B B B
0897587662 Yes XXXXXX XXXXXX A A A
0528616841 Yes XXXXXX XXXXXX A A A
0758866918 Yes XXXXXX XXXXXX B A A
0243087236 Yes XXXXXX XXXXXX A A A
0395274033 Yes XXXXXX XXXXXX C B A
0848367948 Yes XXXXXX XXXXXX A A A
0948435723 Yes XXXXXX XXXXXX C B C
0777569679 Yes XXXXXX XXXXXX A A A
0274863615 Yes XXXXXX XXXXXX A A A
0480915856 Yes XXXXXX XXXXXX B B A
0441563937 Yes XXXXXX XXXXXX B A A
0585140082 Yes XXXXXX XXXXXX A A A
0503991169 Yes XXXXXX XXXXXX A A A
0768579599 Yes XXXXXX XXXXXX B B A
0933160225 Yes XXXXXX XXXXXX B B B
0476736800 Yes XXXXXX XXXXXX D A B
0653332195 Yes XXXXXX XXXXXX A A A
0994233608 Yes XXXXXX XXXXXX C B A
0629093328 Yes XXXXXX XXXXXX D B B
0914511757 Yes XXXXXX XXXXXX B B B
0638978391 Yes XXXXXX XXXXXX D B D
0228718271 Yes XXXXXX XXXXXX C A A
0263510253 Yes XXXXXX XXXXXX D B D
0879668281 Yes XXXXXX XXXXXX A A A
0872538885 Yes XXXXXX XXXXXX B B A
0771539626 Yes XXXXXX XXXXXX A A A
0354685443 Yes XXXXXX XXXXXX B B A
0343598941 Yes XXXXXX XXXXXX B B A
0982821183 Yes XXXXXX XXXXXX B B A
0701012494 Yes XXXXXX XXXXXX C B A
0682930912 Yes XXXXXX XXXXXX B A A
0422642246 Yes XXXXXX XXXXXX B B B
0287535549 Yes XXXXXX XXXXXX C B A
0902137591 Yes XXXXXX XXXXXX D B D
0234317300 Yes XXXXXX XXXXXX D B D
0893461510 Yes XXXXXX XXXXXX D A D
0612868538 Yes XXXXXX XXXXXX A A A
0671852383 Yes XXXXXX XXXXXX A A A
0258280881 Yes XXXXXX XXXXXX A A A
0863375550 Yes XXXXXX XXXXXX D B D
0711003101 Yes XXXXXX XXXXXX B B A
0846370757 Yes XXXXXX XXXXXX C A A
0681570651 Yes XXXXXX XXXXXX A A A
0798089228 Yes XXXXXX XXXXXX A A A
0372361538 Yes XXXXXX XXXXXX B B A
0022322896 Yes XXXXXX XXXXXX A A A
0342712039 Yes XXXXXX XXXXXX A A A
0433602212 Yes XXXXXX XXXXXX B B A
0725901400 Yes XXXXXX XXXXXX B B B
0333201747 Yes XXXXXX XXXXXX B B B
0296518793 Yes XXXXXX XXXXXX B B A
0713300506 Yes XXXXXX XXXXXX B B A
0852829920 Yes XXXXXX XXXXXX B B A
0915285605 Yes XXXXXX XXXXXX B B B
0103233966 Yes XXXXXX XXXXXX B B A
0241215325 Yes XXXXXX XXXXXX B B A
0057354728 Yes XXXXXX XXXXXX B B A
0872081541 Yes XXXXXX XXXXXX A A A
0154450608 Yes XXXXXX XXXXXX A A A
0977457118 Yes XXXXXX XXXXXX C A A
0972057825 Yes XXXXXX XXXXXX B B A
0546858911 Yes XXXXXX XXXXXX A A A
0041376163 Yes XXXXXX XXXXXX D A B
0729568430 Yes XXXXXX XXXXXX B A A
0472501342 Yes XXXXXX XXXXXX D B D
0247468142 Yes XXXXXX XXXXXX B A A
0445239846 Yes XXXXXX XXXXXX C B A
0841874439 Yes XXXXXX XXXXXX A A A
0776709794 Yes XXXXXX XXXXXX A A A
0253059770 Yes XXXXXX XXXXXX D B D
0303721937 Yes XXXXXX XXXXXX B B A
0462691832 Yes XXXXXX XXXXXX C A A
0381873097 Yes XXXXXX XXXXXX D B A
0808671633 Yes XXXXXX XXXXXX A A A
0695025282 Yes XXXXXX XXXXXX C A A
0824615047 Yes XXXXXX XXXXXX A A A
0012746456 Yes XXXXXX XXXXXX D B D
0919358635 Yes XXXXXX XXXXXX B B A
0030034502 Yes XXXXXX XXXXXX B B B
0822855264 Yes XXXXXX XXXXXX D B D
0577062529 Yes XXXXXX XXXXXX A A A
0550614052 Yes XXXXXX XXXXXX B A A
0946931186 Yes XXXXXX XXXXXX B B B
0954368046 Yes XXXXXX XXXXXX B A A
0423102030 Yes XXXXXX XXXXXX A A A
0627485854 Yes XXXXXX XXXXXX C B B
0599751634 Yes XXXXXX XXXXXX D B B
0749728380 Yes XXXXXX XXXXXX C B C
0726767184 Yes XXXXXX XXXXXX A A A
0653215637 Yes XXXXXX XXXXXX A A A
0388091444 Yes XXXXXX XXXXXX B B B
0674952727 Yes XXXXXX XXXXXX B B A
0894765516 Yes XXXXXX XXXXXX A A A
0286579772 Yes XXXXXX XXXXXX A A A
0470701509 Yes XXXXXX XXXXXX A A A
0215943527 Yes XXXXXX XXXXXX A A A
0882474716 Yes XXXXXX XXXXXX B B B
0858143511 Yes XXXXXX XXXXXX D A C
0156707281 Yes XXXXXX XXXXXX A A A
0470885019 Yes XXXXXX XXXXXX A A A
0199178115 Yes XXXXXX XXXXXX C B A
0232499088 Yes XXXXXX XXXXXX A A A
0364904689 Yes XXXXXX XXXXXX B B A
0541001091 Yes XXXXXX XXXXXX B B B
0216307103 Yes XXXXXX XXXXXX C B A
0873163041 Yes XXXXXX XXXXXX C B B
0164668375 Yes XXXXXX XXXXXX B B A
0699815957 Yes XXXXXX XXXXXX B B A
0852867907 Yes XXXXXX XXXXXX B B A
0175851173 Yes XXXXXX XXXXXX B B A
0431950618 Yes XXXXXX XXXXXX A A A
0323951883 Yes XXXXXX XXXXXX A A A
0575538927 Yes XXXXXX XXXXXX B B A
0974099513 Yes XXXXXX XXXXXX A A A
0949766520 Yes XXXXXX XXXXXX A A A
0579135349 Yes XXXXXX XXXXXX D A A
0919643615 Yes XXXXXX XXXXXX B B B
0973904213 Yes XXXXXX XXXXXX A A A
0071046105 Yes XXXXXX XXXXXX A A A
0718124998 Yes XXXXXX XXXXXX B B A
0242003530 Yes XXXXXX XXXXXX A A A
0353472751 Yes XXXXXX XXXXXX A A A
0448515485 Yes XXXXXX XXXXXX A A A
0424867201 Yes XXXXXX XXXXXX B A A
0342466361 Yes XXXXXX XXXXXX A A A
0963966296 Yes XXXXXX XXXXXX A A A
0088602578 Yes XXXXXX XXXXXX D A D
0028035875 Yes XXXXXX XXXXXX A A A
0907426831 Yes XXXXXX XXXXXX D A D
0796553911 Yes XXXXXX XXXXXX B B A
0634093058 Yes XXXXXX XXXXXX A A A
0749680128 Yes XXXXXX XXXXXX A A A
0665884772 Yes XXXXXX XXXXXX D A D
0709145401 Yes XXXXXX XXXXXX B A A
0148539936 Yes XXXXXX XXXXXX B A B
0570603490 Yes XXXXXX XXXXXX A A A
0217009625 Yes XXXXXX XXXXXX C A A
0981652411 Yes XXXXXX XXXXXX A A A
0599510199 Yes XXXXXX XXXXXX D B D
0839488553 Yes XXXXXX XXXXXX A A A
0819186429 Yes XXXXXX XXXXXX B B A
0758812553 Yes XXXXXX XXXXXX A A A
0612855124 Yes XXXXXX XXXXXX A A A
0573022353 Yes XXXXXX XXXXXX B B B
0664293224 Yes XXXXXX XXXXXX B B B
0596942691 Yes XXXXXX XXXXXX C C A
0512464759 Yes XXXXXX XXXXXX B B A
0854956670 Yes XXXXXX XXXXXX B B A
0510469541 Yes XXXXXX XXXXXX A A A
0500518156 Yes XXXXXX XXXXXX A A A
0911589261 Yes XXXXXX XXXXXX A A A
0975472364 Yes XXXXXX XXXXXX B B A
0376494210 Yes XXXXXX XXXXXX B B A
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0405299668 Yes XXXXXX XXXXXX A A A
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0352122557 Yes XXXXXX XXXXXX A A A
0251383472 Yes XXXXXX XXXXXX A A A
0536197256 Yes XXXXXX XXXXXX B B A
0765934188 Yes XXXXXX XXXXXX B B A
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0982854435 Yes XXXXXX XXXXXX D B D
0508184990 Yes XXXXXX XXXXXX A A A
0306899124 Yes XXXXXX XXXXXX A A A
0502584718 Yes XXXXXX XXXXXX A A A
0153038248 Yes XXXXXX XXXXXX A A A
0664274096 Yes XXXXXX XXXXXX A A A
0670298599 Yes XXXXXX XXXXXX B B A
0964313192 Yes XXXXXX XXXXXX B B A
0451657882 Yes XXXXXX XXXXXX A A A
0651903903 Yes XXXXXX XXXXXX C B A
0558803383 Yes XXXXXX XXXXXX B B B
0075783520 Yes XXXXXX XXXXXX A A A
0140058142 Yes XXXXXX XXXXXX C A C

 

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0075783520 A A A A A
0140058142 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
0963507581 C A C A B A A A
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