EX-99.5 6 tm2013512d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-2
Start - End Dates: 11/2018 TO 2/2020
Deal Loan Count: 584
   
               
Conditions Report 2.0        
               
Loans in Report: 584        
Loans with Conditions: 294        

 

116 - Total Active Conditions
  1 - Material Conditions
      1 - Property Valuations Review Scope
          1 - Category: Value
  115 - Non-Material Conditions
      57 - Credit Review Scope
          8 - Category: Assets
          20 - Category: Credit/Mtg History
          5 - Category: Income/Employment
          5 - Category: LTV/CLTV
          18 - Category: Terms/Guidelines
          1 - Category: Title
      58 - Compliance Review Scope
          12 - Category: RESPA
          15 - Category: Right of Rescission 
          2 - Category: Texas Home Equity
          29 - Category: TILA/RESPA Integrated Disclosure
339 - Total Satisfied Conditions
             
      47 - Credit Review Scope
          4 - Category: Assets
          2 - Category: Credit/Mtg History
          10 - Category: DTI
          7 - Category: Income/Employment
          4 - Category: Insurance
          20 - Category: Legal Documents
      10 - Property Valuations Review Scope
          3 - Category: Appraisal
          7 - Category: Value
      282 - Compliance Review Scope
          24 - Category: Ability to Repay/Qualified Mortgage
          1 - Category: Borrower's Interest
          1 - Category: Documentation
          1 - Category: Federal Consumer Protection
          12 - Category: Finance Charge Tolerance
          2 - Category: RESPA
          16 - Category: Right of Rescission 
          1 - Category: Texas Home Equity
          224 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

 

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

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-2
Start - End Dates: 11/2018 TO 2/2020
Deal Loan Count: 584
   
                                                 
Conditions Report 2.0                                              
                                                 
Loans in Report: 584                                              
Loans with Conditions: 294                                              

 

Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade
0874264434 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0655793227 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0971346852 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0740366376 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0740366376 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0508893554 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0146623882 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0634884110 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0295901565 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0046552185 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0083917578 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0593829226 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0833674778 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0160724347 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0714100774 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0845241945 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0468241167 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0224967066 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0884493495 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0884493495 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0603758634 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0603758634 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0410064059 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0410064059 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0410064059 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0628088672 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0100985056 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0980952397 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0826699658 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B B B
0198698646 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0351358758 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0503764081 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0666840166 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0669737689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0669737689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0010533153 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0010533153 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0382730242 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A
0605380941 XXXXXX AK QM: Safe Harbor QM: Safe Harbor B B B B
0572034281 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0364012147 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0946928088 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0946928088 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0818158072 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0748266519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0748266519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0748266519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0748266519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0042889937 XXXXXX NM QM: Safe Harbor QM: Safe Harbor C A A A
0872937814 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0993908312 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A
0993908312 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A
0058466192 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0058466192 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0558278558 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0836687425 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0836687425 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0379185347 XXXXXX CT QM: Safe Harbor QM: Safe Harbor B B B B
0770701466 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0993721368 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0312609376 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0056458537 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0056458537 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0902304409 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0950745959 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0563987393 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0821759494 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0710732992 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0710732992 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0710732992 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0710732992 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0710732992 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0710732992 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0495523954 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0785535238 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0151786499 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0309268957 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0957830087 XXXXXX TN QM: Safe Harbor QM: Safe Harbor A A A A
0726326333 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0139538054 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0680682524 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0023327504 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0870525869 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0870525869 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0870525869 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0365758782 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A
0183539719 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0632260032 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0337568653 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0522939699 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0244390166 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0658567299 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A
0658567299 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A
0658567299 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A
0658567299 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A
0595964109 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A D A
0595964109 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A D A
0512766603 XXXXXX NV QM: Safe Harbor QM: Safe Harbor D A D A
0512766603 XXXXXX NV QM: Safe Harbor QM: Safe Harbor D A D A
0886145358 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0039065727 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0089634107 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C A C A
0899466323 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C A A A
0920697723 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B
0920697723 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B
0920697723 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B
0363552090 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A
0363552090 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A
0521254034 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A
0263183483 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0816092323 XXXXXX MT QM: Safe Harbor QM: Safe Harbor C A A A
0647959900 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0773662001 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A
0415612415 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0669355009 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0415184437 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0415184437 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0917139318 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0124132366 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0860564300 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B B B
0860564300 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B B B
0860564300 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B B B
0284367868 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A
0284367868 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A
0284367868 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A
0284367868 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A
0284367868 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A
0284367868 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A
0091862916 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A A A
0091862916 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A A A
0198048155 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0901686227 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0901686227 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0901686227 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0901686227 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0901686227 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0230421721 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0449297471 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B
0780213503 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A B A
0780213503 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A B A
0156876551 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0565535970 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0619671192 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0537260535 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A
0311589547 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0363550151 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0363550151 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0161967285 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0902022757 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0511162958 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0061624823 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0518759130 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0258635314 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0518890745 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0601160700 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0290107440 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0984185839 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B B B
0984185839 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B B B
0793815866 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0623459196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0623459196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0623459196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0623459196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0281483266 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0281483266 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0614571207 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0693069447 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0243797782 XXXXXX MO QM: Safe Harbor QM: Safe Harbor B B A A
0533246836 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0484769264 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0991182989 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0388028859 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B
0520606070 XXXXXX HI QM: Safe Harbor QM: Safe Harbor A A A A
0053884599 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0572381003 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A
0419737042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0600586085 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0600586085 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0674570489 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A B A
0674570489 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A B A
0082791792 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0966544125 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0870408547 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0365356107 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0942128995 XXXXXX WY QM: Safe Harbor QM: Safe Harbor C B C B
0942128995 XXXXXX WY QM: Safe Harbor QM: Safe Harbor C B C B
0593595395 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0526016709 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0526016709 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0847339322 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0129589759 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0718645568 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0926205199 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D B B B
0926205199 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D B B B
0491490608 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0642615404 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0950079417 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0176132344 XXXXXX NM QM: Safe Harbor QM: Safe Harbor A A A A
0611537100 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0493099874 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0581297547 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A
0879758129 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0301562552 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0613744471 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0351267887 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0945263059 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0991338984 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0182340071 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0289392663 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0983076152 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0333824635 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0333824635 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0333824635 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0569995019 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A B A
0569995019 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A B A
0051569573 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0963415685 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A
0955937264 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0139336740 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0139336740 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0139336740 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0577229284 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0577229284 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0819971454 XXXXXX NC QM: Safe Harbor QM: Safe Harbor B B B B
0819971454 XXXXXX NC QM: Safe Harbor QM: Safe Harbor B B B B
0819971454 XXXXXX NC QM: Safe Harbor QM: Safe Harbor B B B B
0430386864 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0788976212 XXXXXX GA QM: Safe Harbor QM: Safe Harbor C A A A
0788976212 XXXXXX GA QM: Safe Harbor QM: Safe Harbor C A A A
0401899722 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0868343203 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A
0868343203 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A
0868343203 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A
0636846092 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0768816663 XXXXXX TN QM: Safe Harbor QM: Safe Harbor A A A A
0633708857 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0706585544 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0032856897 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0469036000 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0259195322 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0233588768 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A
0233588768 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A
0778524050 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0374708686 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0800656283 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A
0519785422 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B
0297778582 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0894481671 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0275718333 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0215380832 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0788742852 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0193185172 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0527793964 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0257424185 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0751464326 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C A A A
0751464326 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C A A A
0782363688 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0052092561 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A A A
0745627701 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0014372153 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0096545912 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0281298553 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0534307291 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0534307291 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0328703547 XXXXXX MO QM: Safe Harbor QM: Safe Harbor A A A A
0873015295 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0873015295 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0687131751 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0887639066 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0679400505 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0254916112 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A C A
0254916112 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A C A
0558789619 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0520708701 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0375159285 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0736987985 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0846437790 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A
0846437790 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A
0687283342 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0072327923 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0336238831 XXXXXX TN QM: Safe Harbor QM: Safe Harbor A A A A
0817778950 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0614776708 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0614776708 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B
0140076705 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0114604669 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0188143053 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0802038592 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0927704998 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0404270748 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
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Alt Loan Number Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade
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0407287199 A A A A A A A A

 

Alt Loan Number Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade
0874264434 A A A A        
0655793227 A A A A        
0971346852 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0740366376 A A A A Credit Credit/Mtg History Active B
0740366376 A A A A Credit Insurance Satisfied C
0508893554 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0146623882 A A A A Credit Terms/Guidelines Active B
0634884110 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0295901565 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0046552185 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0083917578 A A A A        
0593829226 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0833674778 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0160724347 A A A A        
0714100774 A A A A        
0845241945 A A A A        
0468241167 A A A A        
0224967066 A A A A Credit Credit/Mtg History Active B
0884493495 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0884493495 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0603758634 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0603758634 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0410064059 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0410064059 A A A A Credit Legal Documents Satisfied D
0410064059 A A A A Credit LTV/CLTV Active B
0628088672 A A A A        
0100985056 A A A A        
0980952397 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0826699658 A A A A Credit Terms/Guidelines Active B
0198698646 A A A A        
0351358758 A A A A        
0503764081 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0666840166 A A A A        
0669737689 A A C B Compliance RESPA Active B
0669737689 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C
0010533153 A A B B Compliance Finance Charge Tolerance Satisfied B
0010533153 A A B B Compliance Finance Charge Tolerance Satisfied B
0382730242 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0605380941 A A A A Credit Terms/Guidelines Active B
0572034281 A A A A        
0364012147 A A A A        
0782961994 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0782961994 A A D A Compliance Right of Rescission  Satisfied C
0782961994 A A D A Credit Credit/Mtg History Active B
0782961994 A A D A Credit Income/Employment Satisfied C
0782961994 A A D A Credit Legal Documents Satisfied D
0946928088 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0946928088 A A A A Credit Credit/Mtg History Active B
0818158072 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0748266519 A A C A Compliance Finance Charge Tolerance Satisfied C
0748266519 A A C A Compliance Finance Charge Tolerance Satisfied C
0748266519 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0748266519 A A C A Credit Credit/Mtg History Active B
0042889937 C A A A Property Valuations Value Satisfied C
0872937814 A A A A        
0993908312 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied A
0993908312 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C
0058466192 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0058466192 A A A A Credit Assets Satisfied D
0558278558 A A A A        
0836687425 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0836687425 A A A A Credit Income/Employment Active B
0379185347 A A A A Credit Credit/Mtg History Active B
0770701466 A A A A Credit Title Active B
0993721368 A A A A        
0312609376 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0056458537 A A A A Credit Assets Active B
0056458537 A A A A Credit Credit/Mtg History Active B
0902304409 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0950745959 A A A A        
0563987393 A A A A        
0821759494 A A A A        
0710732992 A A C B Compliance Right of Rescission  Satisfied B
0710732992 A A C B Compliance Right of Rescission  Satisfied C
0710732992 A A C B Compliance Right of Rescission  Satisfied C
0710732992 A A C B Compliance TILA/RESPA Integrated Disclosure Active B
0710732992 A A C B Compliance TILA/RESPA Integrated Disclosure Active B
0710732992 A A C B Compliance TILA/RESPA Integrated Disclosure Active B
0495523954 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0785535238 A A A A        
0151786499 A A A A        
0309268957 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0957830087 A A A A        
0726326333 A A A A        
0139538054 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0680682524 A A A A        
0023327504 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0870525869 A A C B Compliance Right of Rescission  Satisfied C
0870525869 A A C B Compliance TILA/RESPA Integrated Disclosure Active B
0870525869 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C
0365758782 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0183539719 A A A A        
0632260032 A A A A        
0337568653 A A A A        
0522939699 A A A A        
0244390166 A A A A        
0658567299 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0658567299 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0658567299 A A D A Credit Credit/Mtg History Satisfied C
0658567299 A A D A Credit DTI Satisfied D
0595964109 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0595964109 A A D A Credit DTI Satisfied D
0512766603 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0512766603 A A D A Credit Income/Employment Satisfied D
0886145358 A A A A        
0039065727 A A A A        
0089634107 A A A A Credit Credit/Mtg History Satisfied C
0899466323 A A C A Compliance Finance Charge Tolerance Satisfied C
0920697723 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0920697723 A A D A Credit Assets Active B
0920697723 A A D A Credit Legal Documents Satisfied B
0363552090 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0363552090 A A D A Credit Legal Documents Satisfied B
0521254034 A A D A Compliance Documentation Satisfied D
0263183483 A A A A        
0816092323 C A A A Property Valuations Value Satisfied C
0647959900 A A A A Credit Terms/Guidelines Active B
0773662001 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0415612415 A A A A        
0669355009 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0415184437 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0415184437 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0917139318 A A A A        
0124132366 A A A A        
0860564300 C A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0860564300 C A C A Credit Assets Active B
0860564300 C A C A Property Valuations Value Satisfied C
0284367868 A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D
0284367868 A A D B Compliance Texas Home Equity Active B
0284367868 A A D B Compliance Texas Home Equity Active B
0284367868 A A D B Compliance Texas Home Equity Satisfied D
0284367868 A A D B Compliance TILA/RESPA Integrated Disclosure Active B
0284367868 A A D B Credit DTI Satisfied D
0091862916 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0091862916 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0198048155 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0901686227 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0901686227 A A D A Credit Income/Employment Satisfied C
0901686227 A A D A Credit Legal Documents Satisfied D
0901686227 A A D A Credit Legal Documents Satisfied D
0901686227 A A D A Credit Terms/Guidelines Active B
0230421721 A A A A        
0449297471 A A A A Credit Terms/Guidelines Active B
0780213503 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0780213503 A A D A Credit Legal Documents Satisfied B
0156876551 A A A A Credit Terms/Guidelines Active B
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0171713300 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0556411328 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0820670342 A A A A        
0098308885 A A A A        
0081978157 A A B B Compliance Right of Rescission  Active B
0843711947 A A A A        
0512318878 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0719452152 A A A A        
0032470149 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0032470149 A A A A Credit Assets Satisfied D
0761782952 A A D A Compliance Borrower's Interest Satisfied D
0646803606 A A A A        
0912257341 A A A A        
0990557435 A A A A        
0594766390 A A A A        
0723888838 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0986735726 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0690898587 A A A A        
0394145910 A A C B Compliance TILA/RESPA Integrated Disclosure Active B
0394145910 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C
0222794979 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0222794979 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A
0222794979 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A
0251132442 A A A A        
0534552028 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0082093234 A A A A        
0044212683 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0044212683 A A A A Credit Credit/Mtg History Active B
0044212683 A A A A Credit Terms/Guidelines Active B
0959709394 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0626855629 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0341506483 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0341506483 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0695519720 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0251533995 A A A A        
0237319903 A A A A        
0643750103 A A A A        
0287631238 A A A A        
0607663044 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0928765202 A A A A        
0667541972 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0301184777 A A A A        
0563323943 A A A A        
0382714497 A A A A        
0277332355 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0277332355 A A A A Credit Credit/Mtg History Active B
0962527166 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0673980487 A A A A        
0266515179 A A A A        
0971358115 C A A A Property Valuations Value Satisfied C
0697509000 A A B B Compliance RESPA Active B
0674897472 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0718779227 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0718779227 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0718779227 A A A A Credit Assets Active B
0324560397 A A A A        
0180291554 A A A A        
0619683032 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0377191041 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0377191041 A A D A Compliance Finance Charge Tolerance Satisfied C
0377191041 A A D A Credit Legal Documents Satisfied D
0418881151 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B
0379583377 A A A A        
0768638937 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0879865295 A A A A        
0267698799 A A A A        
0399338078 A A A A        
0624329693 A A A A        
0425294685 A A A A        
0606028194 A A A A        
0389755835 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0826952032 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0826952032 A A A A Credit Credit/Mtg History Active B
0686174159 A A A A        
0182091561 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0714903998 A A A A        
0788717197 A A A A        
0122255129 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0122255129 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0187609707 A A A A        
0718534155 A A A A        
0882737066 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0915882780 A A A A        
0877548086 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0746741449 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0818477693 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0904867182 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0312903772 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0599919253 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0552280674 A A A A        
0940550226 A A A A        
0391992663 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0282510922 A A A A        
0801051701 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0801051701 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0481341063 A A A A        
0985710633 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0940802390 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0469133639 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0832258379 A A B B Compliance RESPA Active B
0832258379 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A
0731355143 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0200266742 A A A A        
0167864087 A A A A        
0290190209 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0290190209 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied B
0290190209 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0290190209 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0439150390 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0439150390 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0141371111 A A A A        
0896609983 A A A A        
0971482414 A A A A        
0104214693 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0383323003 A A A A        
0753332998 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0095035871 A A B B Compliance RESPA Active B
0095035871 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0095035871 A A B B Compliance TILA/RESPA Integrated Disclosure Active B
0329977612 A A A A        
0359256513 A A A A        
0030018549 A A A A        
0806792266 A A A A        
0479215471 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D
0291891921 A A A A        
0593038273 A A A A        
0793398114 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D
0793398114 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0793398114 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0793398114 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C
0793398114 A A D A Credit DTI Satisfied D
0913096778 A A A A        
0432425021 A A A A        
0646340304 A A A A        
0107362383 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D
0250596078 A A B B Compliance RESPA Active B
0291992517 A A A A        
0085472386 A A A A        
0389451731 A A A A        
0398030215 A A A A        
0353124190 A A A A        
0039178981 A A A A        
0023279116 A A A A        
0298522684 A A A A        
0539716991 A A A A        
0665162323 A A A A        
0193474187 A A A A        
0013897029 A A A A        
0095553373 A A A A        
0079875983 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0079875983 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0777908292 A A B B Compliance Right of Rescission  Active B
0394154944 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0713503984 A A A A        
0846244857 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0381027075 A A A A        
0257126042 A A C A Compliance Finance Charge Tolerance Satisfied C
0257126042 A A C A Compliance Finance Charge Tolerance Satisfied C
0768832501 A A A A        
0650881741 A A A A        
0087095125 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0925912563 A A A A        
0010161112 A A A A        
0632717809 A A A A        
0784661645 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0312750052 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D
0625035775 A A A A        
0248933078 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D
0046114585 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0046114585 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A
0107577209 A A A A        
0407287199 A A A A        

 

Alt Loan Number Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description
0874264434          
0655793227          
0971346852 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0740366376 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0740366376 A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance
0508893554 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0146623882 B B B CRDTER3262 Property issues indicated
0634884110 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0295901565 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0046552185 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0083917578          
0593829226 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0833674778 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0160724347          
0714100774          
0845241945          
0468241167          
0224967066 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0884493495 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0884493495 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0603758634 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0603758634 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0410064059 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0410064059 A D A CRDLGL2550 Missing HUD-1 from sale of property
0410064059 B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0628088672          
0100985056          
0980952397 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0826699658 B B B CRDTER3262 Property issues indicated
0198698646          
0351358758          
0503764081 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0666840166          
0669737689 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0669737689 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0010533153 B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0010533153 B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0382730242 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.
0605380941 B B B CRDTER3262 Property issues indicated
0572034281          
0364012147          
0782961994 A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0782961994 A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0782961994 B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0782961994 A C A CRDINC150 Income docs do not meet guidelines
0782961994 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0946928088 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0946928088 B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0818158072 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
0748266519 A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0748266519 A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0748266519 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0748266519 B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0042889937 A C A PRVAVALU5249 Property Value Not Supported
0872937814          
0993908312 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0993908312 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
0058466192 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0058466192 A D A CRDAST2670 Asset documentation is insufficient per guideline requirements
0558278558          
0836687425 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0836687425 B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0379185347 B B B CRDCRMH104 Credit score below guidelines
0770701466 B B B CRDTIL100 Potential title issue
0993721368          
0312609376 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0056458537 B B B CRDAST2670 Asset documentation is insufficient per guideline requirements
0056458537 B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0902304409 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0950745959          
0563987393          
0821759494          
0710732992 B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0710732992 B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0710732992 B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0710732992 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.
0710732992 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
0710732992 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
0495523954 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0785535238          
0151786499          
0309268957 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0957830087          
0726326333          
0139538054 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0680682524          
0023327504 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0870525869 A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0870525869 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.
0870525869 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0365758782 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.
0183539719          
0632260032          
0337568653          
0522939699          
0244390166          
0658567299 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.
0658567299 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0658567299 A C A CRDCRMH148 Credit report stale dated at closing
0658567299 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0595964109 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.
0595964109 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0512766603 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.
0512766603 A D A CRDINC2408 Income verification does not meet guidelines
0886145358          
0039065727          
0089634107 A C A CRDCRMH148 Credit report stale dated at closing
0899466323 A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0920697723 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.
0920697723 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0920697723 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0363552090 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.
0363552090 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0521254034 A D A CMPDOC191 Missing Mortgage
0263183483          
0816092323 A C A PRVAVALU5249 Property Value Not Supported
0647959900 B B B CRDTER3122 Loan documents do not meet guideline requirements
0773662001 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.
0415612415          
0669355009 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0415184437 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0415184437 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0917139318          
0124132366          
0860564300 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0860564300 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0860564300 A C A PRVAVALU5249 Property Value Not Supported
0284367868 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.
0284367868 B B B CMPTXHE320 TX Equity - Texas Equity : Missing T.42 Title Endorsement
0284367868 B B B CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
0284367868 A D A CMPTXHE308 Voluntary Same-Lender Debt disclosure not provided to borrower
0284367868 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.
0284367868 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0091862916 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0091862916 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
0198048155 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0901686227 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.
0901686227 A C A CRDINC150 Income docs do not meet guidelines
0901686227 A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien)
0901686227 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0901686227 B B B CRDTER3122 Loan documents do not meet guideline requirements
0230421721          
0449297471 B B B CRDTER3262 Property issues indicated
0780213503 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.
0780213503 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0156876551 B B B CRDTER3262 Property issues indicated
0565535970 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0619671192          
0537260535 A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0311589547 A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0363550151 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.
0363550151 A D A CRDINC3204 Income Documentation Missing
0161967285          
0902022757          
0511162958          
0061624823          
0518759130          
0258635314          
0518890745          
0601160700 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
0290107440          
0984185839 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.
0984185839 B B B CRDTER3122 Loan documents do not meet guideline requirements
0793815866 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0623459196 B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0623459196 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.
0623459196 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
0623459196 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
0281483266 B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0281483266 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.
0614571207 B B B CRDTER3262 Property issues indicated
0693069447          
0243797782 B B B CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0533246836          
0484769264 B B B CRDTER3262 Property issues indicated
0991182989          
0388028859 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0520606070          
0053884599          
0572381003 A D A CRDLGL140 Missing subordination agreement for existing junior lien
0419737042          
0600586085 B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0600586085 B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0674570489 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.
0674570489 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0082791792          
0966544125          
0870408547          
0365356107          
0942128995 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
0942128995 B C B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10%
0593595395 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0526016709 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.
0526016709 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0847339322          
0129589759 A D A CRDINC3204 Income Documentation Missing
0718645568          
0926205199 B B B CRDTER3262 Property issues indicated
0926205199 A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0491490608          
0642615404          
0950079417 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0176132344 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0611537100 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0493099874          
0581297547 A D A CRDLGL100 Legal document incorrect or incomplete
0879758129          
0301562552          
0613744471          
0351267887          
0945263059          
0991338984 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0182340071 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0289392663          
0983076152          
0333824635 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
0333824635 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0333824635 B B B CRDTER110 Loan amount exceeds guideline maximum
0569995019 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.
0569995019 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0051569573 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0963415685 B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0955937264          
0139336740 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0139336740 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0139336740 B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures
0577229284 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0577229284 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0819971454 A B A CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0819971454 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.
0819971454 B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10%
0430386864          
0788976212 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0788976212 A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
0401899722          
0868343203 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.
0868343203 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.
0868343203 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0636846092          
0768816663          
0633708857          
0706585544          
0032856897 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0469036000          
0259195322          
0233588768 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0233588768 A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance
0778524050          
0374708686          
0800656283 B B B CMPFDCP4395 Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed.
0519785422 B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0297778582          
0894481671 B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0275718333          
0215380832 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0788742852          
0193185172          
0527793964          
0257424185          
0751464326 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0751464326 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
0782363688          
0052092561 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0745627701 B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0014372153          
0096545912          
0281298553          
0534307291 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.
0534307291 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
0328703547          
0873015295 B B B CRDTER3262 Property issues indicated
0873015295 A C A PRVAVALU5249 Property Value Not Supported
0687131751 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0887639066          
0679400505 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0254916112 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0254916112 A C A CRDINC150 Income docs do not meet guidelines
0558789619          
0520708701          
0375159285          
0736987985          
0846437790 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.
0846437790 A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0687283342          
0072327923          
0336238831          
0817778950 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.
0614776708 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.
0614776708 B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0140076705          
0114604669 B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0188143053          
0802038592          
0927704998          
0404270748          
0957692929 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0355970426          
0365542606 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.
0881227705 A B A CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0881227705 A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0881227705 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.
0881227705 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0985919442 B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines
0792875623 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0721034174          
0086922470 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0725036319          
0080148108          
0476723649 C C C PRVAVALU5249 Property Value Not Supported
0649229235          
0781688259          
0799564818          
0429170657 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0506243601          
0166750930          
0191709590          
0099898847 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
0581355890 B B B CRDTER3122 Loan documents do not meet guideline requirements
0229267316          
0331184310          
0708102241          
0634334593 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0783415233          
0848381448          
0062289887          
0647136633 A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File
0984705645 A C A CMPTRID5051 TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD
0984705645 B B B CRDTER3262 Property issues indicated
0650983906 A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0650983906 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0751257036 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0663663919          
0944311195          
0151408430 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0370543033          
0859810000          
0210676456 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0194157748 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0194157748 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0194157748 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
0007875351          
0615230024          
0037865525          
0535134091          
0909085827          
0289698118 A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0289698118 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0390984890          
0753794045 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.
0753794045 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0753794045 B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0735770180          
0175910260          
0789509725 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0789509725 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0389215607          
0044776384 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0012361670 A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0012361670 B B B CRDCRMH124 Collections, Liens, etc. not paid as required by guidelines
0550109460          
0147457889 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.
0147457889 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0527333393 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0642708852 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0148112476          
0365773081 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0365773081 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.
0365773081 B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0831552619          
0657552809          
0056133568          
0036470894 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0488401510 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.
0711947910          
0195766046 A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance
0195766046 B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0690994517 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0375423366          
0293853808          
0084786391          
0144766168 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0144766168 A C A PRVAVALU5249 Property Value Not Supported
0706657938          
0967664174          
0071315609 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0816109365 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0816109365 A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance
0343074163          
0185928927          
0815902205          
0315940642          
0626584268 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0099579706 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
0868859047 B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0508790275          
0344060624          
0001208260 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0001208260 B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0541268474          
0026750669          
0928657686          
0899544017          
0985560599 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0719944689 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0147657870 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0421702906 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0930880228 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0930880228 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.
0058152232 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0452894588          
0765906942          
0996703003          
0504867538          
0353664729          
0022165426 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0476603849          
0904068300          
0157661859 A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0157661859 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0901127013 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0268204072 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0607938872 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0607938872 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0251366063 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0251366063 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0111309815          
0909385115          
0230876099          
0815122729 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0815122729 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0234935183          
0364070754          
0208857959 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0556108109 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0958095313 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0958095313 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0968138324          
0083631836          
0187804075 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.
0187804075 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0187804075 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0319689882 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0319689882 B B B CRDCRMH124 Collections, Liens, etc. not paid as required by guidelines
0984830018          
0018303136 A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided
0662886586 A C A CRDINC150 Income docs do not meet guidelines
0986070720 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0671024568          
0763148211 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0763148211 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0773753551 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0140445664 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0797371696 B B B CRDTER3262 Property issues indicated
0093686180          
0856387850 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0055159590 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0959870484 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0022492955 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0466758776 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.
0374366226          
0876142093          
0377624368          
0851791024          
0255608843          
0005133636 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.
0005133636 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0964238483          
0671407785 B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0671407785 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0122510339 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0175566725 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0018527973 B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0613793483 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0010875977          
0023372168          
0277751122          
0821363247          
0006912855          
0521327965          
0093579564          
0965850801 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0965850801 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0965850801 A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0976782492          
0234547373          
0524683555          
0914204211 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0712759027 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0401476490 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0401476490 A C A CMPTRID5051 TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD
0095833943          
0816774845 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0258295534 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
0010099466          
0485705017          
0685437658 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0444657526 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0507360747          
0618189265 A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0880979505 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.
0880979505 A B A CRDDTI105 Debt Ratio Exception 5% or Less
0880979505 A A A PRVAAPPR3116 Missing updated valuation
0965487541 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.
0403916254          
0438036478 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.
0438036478 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
0438036478 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0727718994 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0727718994 B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0810101652 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0810101652 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0440498012          
0341142506          
0195032226 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0195032226 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0422987993 A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0740805450 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0740805450 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0467552849 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0473788700 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0473788700 A C A PRVAVALU5249 Property Value Not Supported
0525586982 B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0525586982 B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period
0535637755          
0078585915 B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0078585915 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0858806510 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
0878012448 A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0878012448 A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0878012448 B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0590079733 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0590079733 A D A CMPTRID3636 TRID - Revised Closing Disclosure required but not provided
0651609645 B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation
0240082252 B C B CMPTRID5051 TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD
0701039260 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0701039260 B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period
0701039260 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
0680996247          
0677771726 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
0876755308 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0932506863          
0169960444          
0625251146 B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period
0625251146 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
0521318659 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0803838618          
0358141789          
0757119637          
0974061124 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0699749187          
0203951540          
0449841787          
0890273348 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0597352845 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0198039643 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0198039643 A D A CRDLGL2644 Missing proof there were no draws on HELOC in the last 12 months > $2,000
0164039335          
0806651973 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0806651973 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0970744433          
0441337763          
0764437650 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0764437650 B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date
0764437650 B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0275391095 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0754517462          
0063801178          
0323743636          
0554485894          
0562351227          
0863428446          
0971466510 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0027459270 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0171713300 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0556411328 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0820670342          
0098308885          
0081978157 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0843711947          
0512318878 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0719452152          
0032470149 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0032470149 A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0761782952 A D A CMPBI1179 MD DLLR - NTB Worksheet not in file
0646803606          
0912257341          
0990557435          
0594766390          
0723888838 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0986735726 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0690898587          
0394145910 B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0394145910 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
0222794979 B B B CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product
0222794979 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0222794979 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0251132442          
0534552028 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0082093234          
0044212683 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0044212683 B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0044212683 B B B CRDTER3122 Loan documents do not meet guideline requirements
0959709394 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
0626855629 B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0341506483 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0341506483 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0695519720 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0251533995          
0237319903          
0643750103          
0287631238          
0607663044 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0928765202          
0667541972 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0301184777          
0563323943          
0382714497          
0277332355 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0277332355 B B B CRDCRMH118 Mortgage/rental lates exceed guidelines
0962527166 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0673980487          
0266515179          
0971358115 A C A PRVAVALU5249 Property Value Not Supported
0697509000 B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing
0674897472 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0718779227 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0718779227 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0718779227 B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0324560397          
0180291554          
0619683032 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0377191041 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.
0377191041 A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0377191041 A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0418881151 B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0379583377          
0768638937 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0879865295          
0267698799          
0399338078          
0624329693          
0425294685          
0606028194          
0389755835 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0826952032 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0826952032 B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0686174159          
0182091561 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0714903998          
0788717197          
0122255129 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0122255129 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0187609707          
0718534155          
0882737066 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0915882780          
0877548086 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0746741449 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0818477693 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0904867182 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0312903772 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0599919253 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0552280674          
0940550226          
0391992663 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0282510922          
0801051701 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0801051701 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0481341063          
0985710633 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0940802390 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0469133639 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0832258379 B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant
0832258379 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0731355143 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0200266742          
0167864087          
0290190209 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0290190209 A B A CMPTRID3476 TRID - Written List of Providers not provided or untimely
0290190209 A C A CMPTRID3552 TRID - Loan Estimate not timely
0290190209 A C A CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount
0439150390 A A A CMPTRID3604 TRID - Error discovered on Closing Disclosure
0439150390 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0141371111          
0896609983          
0971482414          
0104214693 A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0383323003          
0753332998 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0095035871 B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0095035871 B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely
0095035871 B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation
0329977612          
0359256513          
0030018549          
0806792266          
0479215471 A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0291891921          
0593038273          
0793398114 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.
0793398114 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0793398114 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0793398114 A C A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file
0793398114 A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0913096778          
0432425021          
0646340304          
0107362383 A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0250596078 B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
0291992517          
0085472386          
0389451731          
0398030215          
0353124190          
0039178981          
0023279116          
0298522684          
0539716991          
0665162323          
0193474187          
0013897029          
0095553373          
0079875983 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0079875983 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0777908292 B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0394154944 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0713503984          
0846244857 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0381027075          
0257126042 A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream)
0257126042 A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed
0768832501          
0650881741          
0087095125 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0925912563          
0010161112          
0632717809          
0784661645 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0312750052 A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0625035775          
0248933078 A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0046114585 A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0046114585 A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0107577209          
0407287199          

 

Alt Loan Number Condition Material Indicator Initial Comments Client/Seller Response Comments
0874264434      
0655793227      
0971346852 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0740366376 No Approved lender exception for missing rental/mortgage history. Clayton deems non-material based on compensating factors of  DTI of 35.70%, 32 months cash reserves and residual income of $6,411.60 monthly. (No Data)
0740366376 No Homeowner's insurance coverage with increased coverage $XXXX. Dwelling replacement based on appraisal is $XXXX. 12.26.19 - Client responded. Sufficient insurance. Evidence of insurance provided reflects adequate coverage, policy attached. Losses to the dwelling will be paid on a replacement cost basis.
0508893554 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0146623882 No Lender approved exception for condo pre-sale requirements not met.  Clayton deems non-material  based upon compensating factors of primary residence, B2 has stable employment w/increasing income year over year, low and responsible user of revolving debt, 0x30 housing ratio, B1 has additional income that is not being used to qualify.  Further, the units were first made available for sale in XXXX which puts us at an absorption rate of 1.4 units per month.   To meet pre-sale an additional 2 units must be sold to owner occupant buyers which could be achieved any time with in the next 1-2 months.  Overall, this is a very low risk transaction.  The project showing moderate, if not dramatic, market acceptance and can be expected to reach pre-sale requirements within this quarter.  With the project otherwise meeting XXX guidelines XXX approval. (No Data)
0634884110 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0295901565 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)
0046552185 No Seller fees listed on Seller CD and on Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0083917578      
0593829226 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0833674778 No Missing evidence that borrower received a CD 6 days prior to closing 1.13.20 - Client responded. Disagree:   CD#XXX was e-Delivered on XXX and opened and acknowledged on XXX considers in hand delivery and meets 3 day timing for XXX consummation.  See attached document tracking.
0160724347      
0714100774      
0845241945      
0468241167      
0224967066 No Missing rental payment history from 6/2019-9/2019 (No Data)
0884493495 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0884493495 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)
0603758634 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0603758634 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)
0410064059 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)
0410064059 No Missing Final CD for XXX departing residence. 11.21.19 - Client responded. See attached settlement statement and evidence zero balance on mortgage
0410064059 No Lender approved exception for LTV exceeding 5% maximum for program.  Clayton deems non-material based on compensating factors of low DTI 16.55, Credit score for XXX is 808 where 680 is required and  cash reserves of over 94 months.  (No Data)
0628088672      
0100985056      
0980952397 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)
0826699658 No Lender approved exception for condo presale requirements not met. Clayton deems non-material based on compensating factors of  775 qualifying score. Min required per guidelines is 680, DTI is 28.95% max per guidelines is 43% and Borrower has been employed for 20 years. 1.10.20 - Client responded.  Additional support for exception: Building now complete and sales expected to accelerate. Absorption estimated at 1 unit every 2 months. Appraisal notes short marketing time, supply shortage, and stable prices. Project meets XXX guidelines otherwise. 
0198698646      
0351358758      
0503764081 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0666840166      
0669737689 No Missing Affiliate Business Disclosure.  Provide copy of missing document.  (No Data)
0669737689 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 1.8.20 - Client responded. Disagree. Per XXX internal tracking, CD #XXX was eDelivered XXX and open/acknowledged by customer on XXX. See internal tracking.
0010533153 No corrected on PCCD XXX tested as final, exception satisfied (No Data)
0010533153 No corrected on PCCD XXX tested as final, exception satisfied (No Data)
0382730242 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 20582.08CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 18925.93. Difference is the cash to close of $1656.15.  (No Data)
0605380941 No Approved lender exception for condo not meet rural property guidelines.  Clayton considers non-material based on location of subject near a XXX, borrower with low DTI 12.41%, 14 year employment and reserves of 195 months. (No Data)
0572034281      
0364012147      
0782961994 No 1. Missing proof HELOC with XXX has been closed to future draws. Payoff and close provided on page 3403 it not signed by the borrowers2. Missing signed pages of 2018, 2017, 2016, and 2015 1040s for B2 XXX as required per ATR/QM G/L 12.24.19 - Client responded. "1- Proof HELOC with XXX has been closed to future draws attached, to include Credit Report (see Trade 3, credit line no longer available-in repayment phase) and XXX letter reflecting this account has been frozen.  2- Per lender policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  
0782961994 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 12.27.19 - Client responded. Mortgage Schedule provided to reflect original lender as XXX
0782961994 No Lender approved exception for >4 financed properties (5) without 50% of loan amount PCL (grandfathered for old policy). Clayton considers non-material based on LTV of 61.92% VS 70% required, 41.16 months in reserves VS 36 months required, and B2 length XXX for 11 years (No Data)
0782961994 No  Missing signed pages of 2018, 2017, 2016, and 2015 1040s for B2 XXX as required per ATR/QM G/L 12.24.19 - Client responded. "Per lender policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.
0782961994 No Missing proof HELOC with XXX has been closed to future draws. Payoff and close provided on page 3403 it not signed by the borrowers 12.24.19 - Client responded. "Proof HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure, Credit Report (see Trade 3, credit line no longer available-in repayment phase) and XXX letter reflecting this account has been frozen.
0946928088 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0946928088 No Lender approved exception for co-borrower who has limited credit. Clayton deems non-material based on compensating factors of  738 qualifying score. Min required per guidelines is 680, DTI is 24.26% max per guidelines is 43% and Borrower has been in current profession for 16 years. (No Data)
0818158072 No Ten percent tolerance of $145.40 for increased recording fees with no documentation supporting the increase with a Change of Circumstance. The final CD dated XXX contained a credit of $50.40 which was not sufficient.  The difference is $95.00. Requires LOX, PCCD, Refund and Proof of Shipping.  12.17.19 - Client responded. Disagree:  Recording fee increased $136 to $200.   10% tolerance of $149.60.   $200 Recording fee over tolerance by $50.40.  Block J includes $50.40 credit for increase in closing cost above legal limit.  No additional refund required.
0748266519 No Finance charge understated by $-1,376.07. Missing list of fees included in APR and breakdown of credits when applicable. 12.24.19 - Client responded. Disagree:  see attached CD, Fees List, and XXX calculations.  Finance Charge and  Amount Financed are accurate.
0748266519 No Amount Financed as Calculated after review completed to be $ 597,113.63Final CD XXX, Section: Loan Calculations, Amount Financed total states $ XXX 12.24.19 - Client responded. Disagree:  see attached CD, Fees List, and XXX calculations.  Finance Charge and  Amount Financed are accurate.
0748266519 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)
0748266519 No Lender approved exception for insufficient credit for borrower one.  Compensating factors include low LTV (58%), low DTI (21%), residual income $750 per month.  Clayton deems non-material based upon compensating factors.   (No Data)
0042889937 No A Desk review was received with a reported value of $XXXX which is a variance of -18.37% less than the original appraised value of $XXXX. A field review has been ordered. 11.22.19 - A Field review was received with a reported value of $XXXX which is a variance of -16.33% less than the original appraised value of $XXXX.12.3.19 - Client responded and provided rebuttal. 12.3.19 - Clayton has sent rebuttal to third party to send to vendor for response. 12.12.19 - Revised field review provided but appraiser did not revise value only answered rebuttal as they felt the XXXX value was correct. 12.13.19 - Client responded. The updated Field Review acknowledges the flaws in the assessment and assertions in regards to market conditions and the lack of viable data that resulted in downward adjustments. The Field Review value of XXXX is only slightly above comparable 2 which clearly is an inferior sale and reflective of the bottom of the adjusted range. The reconciliation, along with the assessment of market conditions is flawed. Comparable Listing 5 has since sold; superior in GLA adjustment which is also offset by the condition adjustment, this comparable home with XXXX has no other major differences and would certainly indicate a higher value. Lets not forget, in this sparsely developed area this comparable is located on the subject's SAME street and calls into question why this listing was not considered, as we know in basic valuation practices active listings set the upper limits of value.  The Field Review has under stated the subject estimated market value based on flawed assumptions and flawed data. 12.13.19 - Clayton will send rebuttal to vender or further comment.1.13.20- A Revised Field Review was received with a reported value of XXXX which supports the original appraised value of XXXX. 
0872937814      
0993908312 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0993908312 No Ten percent tolerance of $431.60, for Recording fees increase. Tolerance cure in the amount of $426.60 reflected on Final CD: XXX, short $5.00, total Lender credit $942.03.  Missing COC for increase to Recording Fees.  10.8.19 - Client Response - Agree. The Recording Fees increased from $244 to $700 on consummation CD issued XXX. There was an Over Tolerance credit of $426.60 disclosed in Section J of the Closing Disclosure. However, the over tolerance refund amount required was $431.60. Requesting remediation.12.17.19 - Client responded. See attached Refund, LOX, and PC CD
0058466192 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)
0058466192 No Missing proof of liquidation from XXX account in the amount of XXXX and terms of repayment. 1.2.20 - Client responded. Copy of XXXX withdrawal check dated XXXX (attached) for XXXX along with loan agreement reflecting payroll deductions of $255.96.  Payment of $554.58 included in qualifying ratios.
0558278558      
0836687425 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0836687425 No Missing verification that Borrower started work at XXX XXXX. (No Data)
0379185347 No Approved lender exception for minimum credit score Clayton deems non material based on compensating factors of Income trend is positive on stable employment and with $32k residual income ATR is well supported and ability to continue savings pattern is available. minimal use of revolving debt, employment stability with positive income trend and $32k residual income  (No Data)
0770701466 No Approved lender exception for resale restrictions: transfer fee of 25% of the gross profit.  Clayton considers as non-material due to borrowers low DTI of 12.77%, LTV of 68.11% and high residual income of $86,814.18 per month. (No Data)
0993721368      
0312609376 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0056458537 No Lender approved exception for the use of business funds . Clayton deems non-material based on compensating factors of  770 qualifying score. Min required per guidelines is 680, DTI is 35.66% max per guidelines is 43% and Borrower has been in current profession for 13 years. (No Data)
0056458537 No Lender approved exception for Number of mortgaged properties exceeds guideline limit. Clayton deems non-material based on compensating factors of  770 qualifying score. Min required per guidelines is 680, DTI is 35.66% max per guidelines is 43% and Borrower has been in current profession for 13 years. (No Data)
0902304409 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)
0950745959      
0563987393      
0821759494      
0710732992 No Disbursement date per Final CD XXX and earliest expiration date per ROR Is XXX 10.1.19 - Client Response - Agree: Funds disbursed XXX per system of record after rescission expired on XXX.  CD #XXX discloses incorrect disbursement date and per diem date XXX. Requesting remediation.12.6.19 - Client Responded. 12/5/2019:  see attached PC CD with corrected Disbursement and Per Diem Date
0710732992 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. 10.1.19 - Client Response - Disagree: Loan refinanced a XXX originated transaction recorded XXXX. See title page attached.10.1.19 - Reviewed Title and verified. Agree with Client.
0710732992 No Disbursement date per Final CD XXX is XXX and earliest expiration date per ROR Is XXX  10.1.19 - Client Response - Agree: Funds disbursed XXX per system of record after rescission expired on XXX discloses incorrect disbursement date and per diem date XXX. Requesting remediation.12.6.19 - Client Responded. 12/5/2019:  see attached PC CD with corrected Disbursement and Per Diem Date
0710732992 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -9115.76CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 8420.76 (No Data)
0710732992 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 and should be Disclosed as a Positive Value per Pos/Neg Mandate. (No Data)
0710732992 No Final LE XXXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number and should be Disclosed as a Positive Value per Pos/Neg Mandate. (No Data)
0495523954 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0785535238      
0151786499      
0309268957 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0957830087      
0726326333      
0139538054 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)
0680682524      
0023327504 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0870525869 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 12.17.19 - Client responded. Disagree:  XXX is original creditor per Title and XXX is current lender.   Model Form H-9 correct model form for refinance with original lender.  See attached.
0870525869 No CD: XXX: Closing Costs Financed - Final, Value: $9687.31 CD: XXX: Clayton Calculation, Value: $8992.31.  Difference is POC fee of $695.00 (No Data)
0870525869 No CD: XXX Confirmed receipt date, Value: no evidence of receipt date by borrowerCD: XXX 12.17.19 - Client responded. Disagree . See attached audit trail.
0365758782 No CD XXX Closing Costs financed (paid from you loan amount) value is $XXX (No Data)
0183539719      
0632260032      
0337568653      
0522939699      
0244390166      
0658567299 No Missing documented proof of Taxes, HOI, and HOA on XXX Using final 1003 figures for qualifying purposes. **Add'l conditions may apply   1.10.20 - Client responded. Borrower sold property XXX (departure residence) for $XXXX to buyer XXX. Document(s) from XXX and buyers 10% down payment check in the amount of $XXXX attached to verify details of the transaction and transfer of the property.
0658567299 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0658567299 No Credit report is dated XXXX and Note is dated XXX. (XXX days) Exceeds 120 days allowed per G/L 1.10.20 - Client responded. Per lender guidelines, up to a 10-day variance is allowed. Underwriter decisioning logic attached.
0658567299 No Missing documented proof of Taxes, HOI, and HOA on XXX; Using final 1003 figures for qualifying purposes.   1.10.20 - Client responded. Borrower sold property XXX (departure residence) for $XXXX to buyer XXX. Document(s) from XXX and buyers 10% down payment check in the amount of $XXXX attached to verify details of the transaction and transfer of the property.
0595964109 No Missing taxes and insurance documentation for XXX. Mortgage stmts provided does not show that escrows are included.  Used figures from final 1003 for qualifying purposes 12.19.19 - Client responded. Verification of all components of non-subject PITI for property XXX attached. Real Estate Property Taxes = $3,993.58, Hazard Insurance = $2,863
0595964109 No Missing taxes and insurance documentation for XXX. Mortgage stmts provided does not show that escrows are included. Used figures from final 1003 for qualifying purposes 12.19.19 - Client responded. Verification of all components of non-subject PITI for property XXX attached. Real Estate Property Taxes = $3,993.58, Hazard Insurance = $2,863
0512766603 No The loan file contains a W2 from the Borrower's first employer in 2017 (XXX) ; however, the Borrower started with the previous (2nd) employer (XXX) in XXXX per the loan application.  The loan file does not contain the 2017 W2 for XXX resulting in less than a full 2 years of income being documented for the Borrower. (The loan file does contain the XXX W2 for 2018.) 1.7.20 - Client responded. A full two-year history of employment was verified. XXX. 2016, 2017 and 2018 W-2's attached to document stable, continuous employment history. Prior to employment at XXX, borrower was employed at XXX VOE from XXX (start date XXXX), attached; VOE from XXX (start date XXXX), attached
0512766603 No The loan file contains a W2 from the Borrower's first employer in 2017 (XXX) ; however, the Borrower started with the previous (2nd) employer (XXX) in XXXX per the loan application.  The loan file does not contain the 2017 W2 for XXX resulting in less than a full 2 years of income being documented for the Borrower. (The loan file does contain the XXX W2 for 2018.) 1.7.20 - Client responded. A full two-year history of employment was verified. XXX. 2016, 2017 and 2018 W-2's attached to document stable, continuous employment history. Prior to employment at XXX, borrower was employed at XXX. VOE from XXX (start date XXXX), attached; VOE from XXX (start date XXXX), attached
0886145358      
0039065727      
0089634107 No Credit report dated XXXX is aged XXX days from Note date XXX.  Credit report acceptable to 120 days. 1.10.20 - Client responded. Per lender guidelines, up to a 10-day variance is allowed. Underwriter decisioning logic attached.
0899466323 No CD: XXX  Loan Calculations, Field: Amount Financed, Value: XXXX;  Original Principal Balance, Value: XXXX difference of $81.51 1.8.20 - Client responded. Disagree:  The amount financed is accurate.   Amount Financed exceeds loan amount by $81.51 which equals the per diem interest credit.   This interest credit is a rebate directly to the borrower and correctly disclosed in the Amount Financed.   There are no other prepaid charges to offset the interest credit.
0920697723 No Missing proof that HELOC has been paid and closed to future draws.  Authorization to close was not executed by borrower.  12.26.19 - Client responded. Proof that XXX has been paid and closed to future draws attached, to include Closing Disclosure, XXX confirmation of closure letter and the Demand Statement to payoff and close executed by borrower.
0920697723 No Approved lender exception for PCL assets.  Total reserves required $76,209.72 with liquid assets required of $38,104.86. Borrower has $18,307.87 in liquid assets.  Clayton considers non-material based on total verified assets of $2,127,434.45 of which $800,000 are penalty free access and compensating factors of low DTI 20.91%, credit score of 803 and residual income of $24,837.03. (No Data)
0920697723 No Missing proof that HELOC has been paid and closed to future draws.  Authorization to close was not executed by borrower.  Clayton considers non-material based on compensating factors of low DTI 20.91%, credit score of 803 and residual income of $24,837.03. 12.26.19 - Client responded. Proof that XXX has been paid and closed to future draws attached, to include Closing Disclosure, XXX confirmation of closure letter and the Demand Statement to payoff and close executed by borrower.
0363552090 No Missing proof that HELOC with XXX #XXX has been paid and closed to future draws; authorization to close has not been signed by borrowers.  1.22.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure, executed Payoff Statement (authorization) and Final Title Policy (Title Insurance).
0363552090 No Missing proof that HELOC with XXX #XXX has been paid and closed to future draws; authorization to close has not been signed by borrowers.  Clayton considers non-material based on compensating factors lof low LTV 55.93%, time at current job of 12 years and residual income of $10,166.39 monthly.   1.22.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure, executed Payoff Statement (authorization) and Final Title Policy (Title Insurance).
0521254034 No Missing Deed of Trust. 1.29.20 - Client responded. "See attached Security Agreement.
0263183483      
0816092323 No A Desk review was received with a reported value of $XXXX which is a variance of -11.11% less than the original appraised value of $XXXX. A field review has been ordered.  1.28.20- A Field Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0647959900 No Approved Lender Exception for vesting in LLC.   Reviewer approved required tracking for LLC vesting on this second home refinance transaction.  Rate Term second Home:  Paying off a XXX loan, prior transaction also closed in a LLC . Closing in a LLC is approved. Property is closing in a LLC named XXX are members of the LLC and both borrowers are on the loan. Certification and Agreement, Recorded Articles of Organization and Operating Agreement  XXX, both borrowers are 50% owners each. LLC; Clayton considers non-material based on compensating factors of 29.09% DTI, 12 and 15 years in professions, 0x30 for the past 75 months, and $20k/mo. residual income.   (No Data)
0773662001 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -8516.07CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 7821.07.  Difference is POC of $695.00. (No Data)
0415612415      
0669355009 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0415184437 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0415184437 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)
0917139318      
0124132366      
0860564300 No Final CD and transaction dated for XXX. The 3 day waiting period was not met. 12.27.19 - Client responded. Agree:  Funds disbursed on XXXX after rescission expiration.  Updated CD to reflect XXX disbursement date and per diem date and LOX to borrower required to remedy. Remediation Requested1.6.20 - Client responded. 1-6-2020:  Disagree:  CD#XXX considers in hand delivery.  Final CD signed XXX and meets 3 day timing requirements.  See attached disclosure tracking for CD#XXX
0860564300 No Approved lender exception for short PCL by 2.56 months.  Total required reserves $56,467.56 of which liquid required $29,366.95.  Clayton considers non-material based on compensating factors of strong vested retirement assets of over $523,000, LTV 74.80%, time at current job of 7 years and residual income of $18,217.06 monthly. (No Data)
0860564300 No Updated valuation of $XXXX did not support the appraised value of $XXXX a -23.95% variance which is greater than the 10% allowed. Clayton to order a new desk review. 1.15.20- A Field Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0284367868 No Taxes and insurance have not been included in DTI for XXX and the file has no evidence these items are escrowed and included in mortgage payment. DTI is currently 39.90% 12.19.19 - Client responded. Taxes and insurance for property XXX (non-subject) are included in the qualifying DTI of 39.90%. Subject PITI $11,443 + $2,005 (non-subject) + $2,166 ($1,666 taxes + $500 insurance for non-subject) + $3,205 other consumer debt = $18,819 total liabilities / $47,163.18 total income = 39.90% DTI. See attachment for current housing expense for non-subject property.
0284367868 No Missing T.42 Title Endorsement.  Provide copy of missing document. (No Data)
0284367868 No Missing T.42.1 Title Endorsement.  Provide copy of missing document. (No Data)
0284367868 No Missing Voluntary Same-Lender Debt disclosure.  Provide copy of missing document.  1.2.20 - Client responded. Disagree. Voluntary Same-Lender Debt disclosure is only required when non-mortgage debts are being paid as a part of the transaction to the originating lender. All non-mortgage debt payoffs on the CD were not debts to XXX
0284367868 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 60759.97CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 60064.97.  Difference is POC of $695.00. (No Data)
0284367868 No Taxes and insurance have not been included in DTI for XXX and the file has no evidence these items are escrowed and included in mortgage payment. DTI is currently 39.90% 12.19.19 - Client responded. Taxes and insurance for property XXX (non-subject) are included in the qualifying DTI of 39.90%. Subject PITI $11,443 + $2,005 (non-subject) + $2,166 ($1,666 taxes + $500 insurance for non-subject) + $3,205 other consumer debt = $18,819 total liabilities / $47,163.18 total income = 39.90% DTI. See attachment for current housing expense for non-subject property.
0091862916 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0091862916 No $90.00 due to decrease in lender credit from $3750.00 to $3660.00 Requires supporting COC for decrease in lender credit, or corrected PCCD, copy of refund check, LOX and copy of shipping. 1.8.20 - Client responded. Disagree. The Lender Credit decreased to $3,660 on the LE issued XXXX (003) with a valid Change Circumstance of the loan amount decreasing from $XXXX to $XXXX on XXXX. The LE was disclosed to the borrower within the 3 day timing requirement. This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screenshot attached.
0198048155 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0901686227 No 1.Missing signed pages of 2018 & 2017 1040s and 1065s for XXX as required per QM G/L for XXX borrowers 2. Missing Note/Agreement Terms for new HELOC in the amount $XXXX. Missing proof HELOC ending in #XXX has been closed to future draws 1.13.20 - Client responded. 1- Per policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  2-   XXX Account Agreement (2nd lien Note) for new XXXX HELOC attached.  3- Proof HELOC ending #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement.
0901686227 No Missing signed pages of 2018 & 2017 1040s and 1065s for XXX 1.13.20 - Client responded. Per policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.
0901686227 No Missing Note/Agreement Terms for new HELOC in the amount XXXX 1.13.20 - Client responded. XXX Account Agreement (2nd lien Note) for new XXXX HELOC attached.
0901686227 No Missing proof HELOC ending in #XXX has been closed to future draws 1.13.20 - Client responded. Proof HELOC ending #XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement.
0901686227 No Approved lender exception for C/O on a XXX/unacceptable property type. Clayton considers exception non-material based on compensating factors of 33.80% DTI, 26.87 months reserves, and LTV of 54.61% 1.13.20 - Client responded. Additional support for exception: LTV 46%/CLTV 55%; property value/marketability well supported; XXX. 
0230421721      
0449297471 No Lender approved exception for Property Listed For Sale Within Past 6 Months. Clayton deems non-material based on compensating factors of  802 qualifying score. Min required per guidelines is 680, DTI is 28.93% max per guidelines is 43% and LTV is 66.70 %; max allowed per guidelines is 80%. 1.10.20 - Client responded.  Additional support for exception: file contained cancellation of the listing and subject is not currently listed for sale per internet sources. Borrowers have occupied the property for 13 years and indicated they intend to remain in that residence.
0780213503 No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization document in file was not signed and dated by borrowers.   1.2.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached to include; Closing Disclosure, executed Demand Statement (authorization).
0780213503 No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization document in file was not signed and dated by borrowers.  Clayton considers as non-material due to compensating factors of low DTI 19.79%, low LTV 55.71% and good residual income of $14,077.68 monthly. 1.2.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached to include; Closing Disclosure, executed Demand Statement (authorization).
0156876551 No Approved Lender exception for unacceptable property type - Revision 11.6.19 OPUS review of subject property requests SLE for agricultural use exceeds policy. Subject property is considered a XXXX. Borrowers have a lease agreement to XXXX from 1/2013 thru 12.31.2019. Borrower does not intend to renew the lease agreement. Property is zoned rural - Residential and is typical for the area, located on approximatelyXX acres. SFR is considered highest and best use. Clayton deems non-material due to qualifying credit score well over the required 680, low DTI of 28.7% and reserves in excess of 900k.  1.22.20 - Client responded. Additional support for exception: LVAM exception for unacceptable property type approved under the EP delegated authority. Subject is not a commercial use property and the market value is primarily a function of its residential use. Agricultural use does exceed 20% of the total acreage of the property but does not add any discernable value. The property use is not primarily agricultural in nature. Nominal income (+/- 5,000/yr less electricity costs) is derived from XXXX. Comparables 1 - 3 sold within 2-7 months are located nearby the subject and within .92 miles. All comparables are on similar sites. Comparables 1 and 3 have XXXXX like the subject indicating these amenities are common within the market. The subject's quality and condition is supported and GLA is bracketed - mostly similar to comparable 1 in size. Comparable 4 is located 4.66 miles away and offers additional support to the subject's quality, condition and GLA. This sale also has XXXX like the subject and comparable 1. The subject's accessory unit is supported by comparables 1, 4 and 5. The unadjusted and adjusted value range is reasonably tight with an acceptable amount of gross adjustments. CRT (Collateral Review Team) has concluded value of $XXXX is supported. Lease agreement was obtained to verify acceptable terms and conditions.
0565535970 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)
0619671192      
0537260535 No Required reserves $4,466.96 xx 12 = $53,603.52.  Liquid required $26,801.75.  Reserves include XXX XXX with liquid assets $58,782.35.  Required reserves $53,603.52 with liquid required $26,801.75.  Short liquid reserves $2,305.20. 1.8.20 - Client responded. Cash (liquid) reserves are sufficient. The correct XXX #XXX balance is $45,625.46 (ending balance) vs $39,098.10 (average daily balance). XXX account statement #XXX attached.
0311589547 No ROR Expiration date of XXXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds 1.21.20 - Client responded. Disagree. See attached PC CD with disbursement and per diem date XXX.
0363550151 No Per lender requirements; missing WVOE with correct YTD and/or YTD paystubs.  WVOE dated XXXX is missing correct YTD information per paystub and 2017 / 2018 payroll vouchers.  Base pay per paystub is $333,000 and 9/26/19 YTD is $400,000.  The $ amount is based on XXX currency. 12.11.19 - Client responded. Underwriting notes attached to include the summary of employment income (income analysis) used in decisioning.
0363550151 No Per lender requirements; missing WVOE with correct YTD and/or YTD paystubs.  WVOE dated XXXX is missing correct YTD information per paystub and 2017 / 2018 payroll vouchers.  Base pay per paystub is $333,000 and 9/26/19 YTD is $400,000.  The $ amount is based on XXX currency. 12.11.19 - Client responded. Underwriting notes attached to include the summary of employment income (income analysis) used in decisioning.
0161967285      
0902022757      
0511162958      
0061624823      
0518759130      
0258635314      
0518890745      
0601160700 No Zero percent tolerance fee of $74.75 for Lender Credits and Lender Paid Fees Aggregate  . Missing COC or post close CD and evidence of refund to borrower.   Requires LOX, PCCD, Refund and Proof of Shipping. 12.30.19 - Client responded. Disagree:  Per CoC tracking, price change on XXXX.  Revised loan estimate issued with $XXX lender credits.   Consummation CD disclosed lender credit and lender paid fees of $5637; exceeding lender credits on revised LE (baseline).   Not a testing defect and no remediation required.   See attached CoC tracking.
0290107440      
0984185839 No Missing signed 1040s and 1120s as required per QM G/L for XXX borrowers. Copies of electronic PIN signatures only were provided  12.30.19 - Client responded. Per lender policy, Form 8879 with borrowers e-signatures is acceptable in lieu of signatures on the tax returns.  Additionally, the Preparer Tax Identification Number (PTIN) was provided; this is also an acceptable alternative to signed tax returns.  The electronic PIN signatures referenced in the issue description are acceptable; no additional documentation is required.
0984185839 No Lender approved exception for property being purchased for a direct family member. Clayton considers exception non material based on compensating factors of 223.98 months reserves vs 18 months required, 16 years XXX and DTI of 37.41% (No Data)
0793815866 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0623459196 No CD Disbursement date XXX is on disclosed "midnight of" date on ROR XXXX. Closing Date was updated to XXX and ROR Rescission updated to XXXX. Final CD Closing Date should show XXX (No Data)
0623459196 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -12289.86CD:  XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 11654.43 (No Data)
0623459196 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 and should be Disclosed as a Positive Value per Pos/Neg Mandate. (No Data)
0623459196 No Final LE XXXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number and should be Disclosed as a Positive Value per Pos/Neg Mandate. (No Data)
0281483266 No Disbursement date XXX on Final CD is on disclosed "midnight of" date XXX on ROR. Closing Date was updated to XXX and Rescission on ROR updated to XXXX. The Final CD Closing Date and Disbursement Date were not updated. CD Closing Date should reflect XXX and Disbursement Date should be XXX.  Requires LOX, PCCD, Proof of Delivery, New NORTC. (No Data)
0281483266 No CD: XXX Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -13926.04CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 13290.61.  Difference is POC of $635.43. (No Data)
0614571207 No Lender approved exception for Condo commercial use over 35%.  Clayton considers non-material based on compensating factors of low DTI 24.81%, CLTV of 53.47% VS 80%, and 16.9 months reserves VS 12 months required.  1.29.20 - Client responded. Additional support for exception: subject is located in XXX where commercial space below living units is common; two recent sales within the subject project sold recently supporting marketability; condo units have a separate entrance and elevators.
0693069447      
0243797782 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)
0533246836      
0484769264 No Approved Lender exception for Insufficient Presale (43.59% Owner-Occupied presale).  Lender states while  the subject property does not meet presale requirements at this time, it does appear the project is a couple months away from meeting requirements. The subject property was listed on XXXX and went under contract within 90 days. Comps proved the appraiser are from the subject market area bracket the subject for size and room count. Adjustments look to be reasonable and market times are all short, showing that homes of this size and price point are in demand. Reasonable to believe the other units in the building will sell and presale will no longer be a concern. Subject is a 2 bedroom 2 bath XXXX square footage home. List times are all short and appear to be desirable. New construction so interior of home is well appointed and up to date. Clayton deems non-material based on compensating factors of DTI is 31.93% max per guidelines is 43%, 804 qualifying score. Min required per guidelines is 720 and borrower has been in current profession for 11 years.  (No Data)
0991182989      
0388028859 No Approved lender exception for insufficient PCL.  Required reserves $51,435.96 with $25,717.98 in liquid reserves required.  Verified liquid reserves $11,253.01.  Clayton considers non-material based on compensating factors of total verified assets of $425,671.96, B1 with an 8 year job, LTV of 75.36% and residual income of $18,282.80 monthly. (No Data)
0520606070      
0053884599      
0572381003 No Missing fully executed subordination agreement from XXX.  Document in file is an unsigned draft copy. 1.16.20 - Client responded. Providing copy of Subordination Agreement
0419737042      
0600586085 No CD Disbursement date XXX is on disclosed "midnight of" date on ROR XXXX.  Closing Date was updated to XXX and ROR Rescission updated to XXXX. Final CD shows Closing Date XXX. (No Data)
0600586085 No Missing VOE for B2 within 20 business days prior to Note date XXX; VOE for B2 dated XXXX. (No Data)
0674570489 No Missing proof that HELOC with XXX has been paid and closed to future draws.  Authorization to close in file was not signed and dated by borrower. 1.2.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached to include; Closing Disclosure, executed Demand Statement (authorization).
0674570489 No Missing proof that HELOC with XXX has been paid and closed to future draws.  Authorization to close in file was not signed and dated by borrower.  Clayton considers non-material due to compensating factors of low DTI 23.09%, B1 with 15 year job and residual income of $25,635.18 monthly. 1.2.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached to include; Closing Disclosure, executed Demand Statement (authorization).
0082791792      
0966544125      
0870408547      
0365356107      
0942128995 No $110.00 due to addition of appraisal review fee on final LE XXXX. Requires supporting COC for fee addition, or corrected PCCD, copy of refund check, LOX and copy of shipping. 1.23.20 - Client responded. Disagree. An appraisal review in the amount of $110 was added on the LE Date Issued XXXX with a valid Change Circumstance DOK XXXX. The LE was disclosed to the borrower within the 3 day timing requirement. This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screenshot attached.
0942128995 No LTV 75.09% exceeds the maximum of 70%.  Rate and term refinance less than one year owned required to use lower of appraised value of purchase price.  Appraised value $XXXX and purchase price $XXX. Comments on XXX do not approve the increase in LTV over guidelines.  1.22.20 - Client responded. See Underwriting Notes attached. Due to history of the property listing and ultimately seller motivation to just sell the subject, the new value of $XXXX was used to determine the LTV vs the original sales price. Desk Appraisal Review (attached) - Per appraiser, while the exact details/motivation of the prior transaction are not known, the increase in current value could be attributed to the prior listing of the subject being ""stale"" and/or seller becoming impatient and accepting an non-preferred and/or ""below market"" price. The value of $XXXX is adequately supported.1.22.20 - Clayton has reviewed and borrower had more than enough reserves to buy loan amount down to under the 70% required guideline. Clayton deems non-material. 
0593595395 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 01.3.20 - Client responded. Disagree:  CD#XXX.  CD #XXX was opened and acknowledged by borrower on XXX considers as in hand delivery.   See attached Document Tracking for CD#XXX
0526016709 No Missing proof of new P&I from non-subject refi with XXX on XXX ending in loan number #XXX. Settlement stmt provided on page 149 does not show new P&I.  1.22.20 - Client responded. Proof of new P&I ($3345.22) from non-subject refinance with XXX on XXX ending in loan number #XXX attached.
0526016709 No Missing proof of new P&I from non-subject refi with XXX on XXX ending in loan number #XXX. Settlement stmt provided on page 149 does not show new P&I.  1.22.20 - Client responded. Proof of new P&I ($3345.22) from non-subject refinance with XXX on XXX ending in loan number #XXX attached.
0847339322      
0129589759 No Missing B1 and B2 2017/2018 W2s or W2 IRS Tax Transcripts as required per guidelines. 12.24.19 - Client responded. In the delivered pdf on pages 207-210 and pages 212-215 there are VOE's for both borrowers that include the annual income for the last three years. This is as good as W-2's/Transcripts. The new system where WVOE are ordered upfront makes it so we dont need W-2s if it covers the 2 year history of earnings. Per the guidelines, this is sufficient and the W-2's/Transcripts are not required. These documents were originally delivered in the PDF so we will not be resending.
0718645568      
0926205199 No Approved lender exception to accept appraised value $XXXX which is above acquisition cost of $XXXX: lot, construction & pool.  A Review appraisal was provided with additional comps that supports appraised value.  Full sourcing and personal funds for installation of inground pool separate from home construction cost.  Clayton considers non-material based credit score of 764, low DTI 17.89% and residual income of $17,067.64 monthly. (No Data)
0926205199 No Missing appraisal certificate of completion on Form 1004D or Form 442.  1.14.20 - Client responded. See attached review appraisal that was used instead of a final inspection.  Photos show everything complete.
0491490608      
0642615404      
0950079417 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0176132344 No Seller fees listed on Seller CD and Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0611537100 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0493099874      
0581297547 No Documents in file verify total acquisition cost $XXXX.  Provide documentation to support final acquisition cost of $XXXX used for LTV determination. 1.16.20 - Client responded. Documentation to support final acquisition cost of $XXXX used for LTV determination attached.
0879758129      
0301562552      
0613744471      
0351267887      
0945263059      
0991338984 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0182340071 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0289392663      
0983076152      
0333824635 No 10% Tolerance Violation of $399.60 for Recording Fee increases. CD shows a Cure of $205 and is not sufficient to cover Tolerance.  Requires LOX, PCCD, Refund and Proof of Delivery. 1.21.20 - Client responded. Disagree.  Recording fees increased from $244 to $741 on the subsequent LE Date Issued XXXX. See attached CoC XXXX changed to XXX loan. Recording Fees then increased to $788 on the final LE however tolerance credit in  Section J of the Consummation CD in the amount of $205 remediates increase.
0333824635 No Missing 12 months rental payment history (No Data)
0333824635 No Approved lender exception for loan amount greater then $XXX property.  Clayton considers non-material based on compensating factors of 9 years XXX, excellent credit history and $16,461.09 residual income monthly. (No Data)
0569995019 No Missing verification HELOC with XXX has been paid and closed to future draws; authorization to close account in file was not signed by borrowers. 1.23.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed authorization document to close HELOC account.
0569995019 No Missing verification HELOC with XXX has been paid and closed to future draws; authorization to close account in file was not signed by borrowers.  Clayton considers non-material based on compensating factors of low DTI 32.75%, high credit score of 781 and residual income of $16,853.02 monthly. 1.23.20 - Client responded. Proof that HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed authorization document to close HELOC account.
0051569573 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0963415685 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0955937264      
0139336740 No Missing Affiliate Business Disclosure.  Provide copy of missing document.  (No Data)
0139336740 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 1.13.20 - Client responded. Disagree:   CD#XXX e-Delivered on XXX and opened and acknowledged on XXX considers in hand delivery and meets 3 day timing for XXX document tracking.
0139336740 No CD: XXX: Estimated Taxes, Insurance & Assessments, Value: $2345.39 x 12 months = $28,144.68CD: XXX : Estimated Costs Over Year 1, Value: $26,379.03 1.14.20 - Client responded. Agree: ETIA monthly amount of $2345.39 does not calculate to page 4 estimated property cost over one year. Cost of hazard is $3104.99 and annual property taxes are $23,274.04 which total $26,379.03. Page 4 discloses the correct property cost over 1 year. Remediation requested.1.16.20 - Client responded. 1-16-2020 see Updated CD with corrected ETIA to match page 4 escrow table
0577229284 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 12.30.19 - Client responded. Disagree:  CD #XXX.  CD was opened and acknowledged on XXX.   Meets 3 day timing for consummation date XXX.  See attached document tracking.
0577229284 No Missing signed documents that HELOC is closed to future draws 12.30.19 - Client responded. Per payoff demand statement dated XXXX, the line of credit was frozen to additional draws and would be released upon receipt of the payoff.  Copy of the payoff demand and settlement statement attached showing funds disbursed in the amount of $435,428.06.
0819971454 No Affiliate Business Disclosure missing.  Provide copy of missing document.  12.17.19 - Client responded. See attached XXX Business Affiliates, on page 2 under definitions.
0819971454 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $7768.22 Clayton Calculation, Value: $7132.79. Difference of $635.43 POC value.  (No Data)
0819971454 No Approved Lender Exception for LTV Exceeds Guideline Requirement by at least 5% but less than 10% Lend states customer profile is well supported for the portfolio. The LTV request is approved. Tolerances 30/40 ratios, 75/75 LTV/CLTV, $XXX loan and must continue to meet minimum 6 month liquid requirement.  Clayton deems as non-material based upon the compensating factors. (No Data)
0430386864      
0788976212 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0788976212 No $XXX due to increase in loan points from $XXX and increase in appraisal fee from $567.00 to $920.00 on the final CD XXX. $307.00 accounted for in tolerance cure. Requires supporting COC for fee changes, or corrected PCCD, copy of refund check, LOX and copy of shipping. 12.30.19 - Client responded. Disagree:   per XXX CoC tracking and Loan Estimates; on XXX CoC approved increasing Appraisal fee $567 to $613.   On XXXX, the increased appraisal fee to $920 was not approved.   CD included fee tolerance cure of $307 for different ($920 - $613.)  Per CoC tracking, on XXXX, there was interest rate change to 3.875% at borrowers request and points of $4050 added to transaction.  CD was re-disclosed to reflect price change.   See attached CoC documentation.
0401899722      
0868343203 No Missing verification that the HELOC with XXX has been paid and closed to future draws, authorization to be signed by borrowers. 12.20.19 - Client responded. Final Title provided to reflect was paid off. 
0868343203 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4777.23CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4166.80. The difference is due to POC amount of $610.43. (No Data)
0868343203 No Missing verification that the HELOC with XXX has been paid and closed to future draws, authorization to be signed by borrowers.  Clayton considers non-material due to compensating factors of low DTI of 26.96%, low LTV 62.36% and residual income of $15,546.54. 12.20.19 - Client responded. Final Title provided to reflect was paid off. 
0636846092      
0768816663      
0633708857      
0706585544      
0032856897 No Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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.All seller paid fees not listed in Section H. fees not listed include an estimated water bill, $200.00 and title service fee of $120.00 (No Data)
0469036000      
0259195322      
0233588768 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0233588768 No Hazard Insurance in file shows dwelling coverage of $XXXX with increased dwelling coverage of $XXXX for a total of $XXXX. This does not cover the loan amount of $XXX and there is no estimated replacement cost in file to substantiate the difference.  12.26.19 - Client responded. Sufficient insurance. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX policy declarations page (A1 - Replacement Cost) and XXX hazard insurance details page attached.
0778524050      
0374708686      
0800656283 No Subject property is a 2 unit condo.  Per the flood cert, flood insurance is required.  Flood insurance to be paid by condo owners directly to the insurance company as no formal HOA exists. No documentation in file to reflect the Flood Insurance.  1.16.20 - Client responded. Documentation of flood insurance attached
0519785422 No Approved Lender Exception for insufficient credit with no recent trades in last 12 months for B1 and B2 and no credit score of B2.  Clayton considers non-material based on compensating factors of past credit history including mortgage liens all paid as agreed, low DTI 25.66%, low LTV 64.85% and residual income of $9,028.18.  (No Data)
0297778582      
0894481671 No The RoR was signed XXXX with a expiration date of XXXX. The Disbursement date on the final CD of XXX is prior to end of rescission period. If the loan disbursed after please provide corrected PCCD, LOX and copy of shipping. Or new notice of right to cancel to all parties vested, LOX, re-open rescission, and copy of shipping.  1.27.20 - Client responded. Disagree.  PC CD completed XXX with actual and acceptable disbursement date XXX.  No remediation required.  See attached PC CD #XXX issued XXX.
0275718333      
0215380832 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)
0788742852      
0193185172      
0527793964      
0257424185      
0751464326 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0751464326 No Ten percent tolerance of $160.00 Cure of $125.00 on the final CD dated XXX. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $35.00 for increase in recording fees from $40.00 to $200.00. 1.21.20 - Client responded. Disagree with investor. The CD issued XXX disclosed an increase in the Recording Fees in the amount of $160, with a valid Change Circumstance reason of a Power of Attorney 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.
0782363688      
0052092561 No CD XXX not signed by borrower, no confirmation of receipt.  1.13.20 - Client responded. Disagree:  Borrower Closing Disclosure #XXX was e-Delivered on XXX and opened and acknowledged by borrower on XXX considers in hand delivery.  CD#XXX meets 3day timing for closing date XXX.   See attached document tracking.
0745627701 No ROR Expiration date of XXXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds (No Data)
0014372153      
0096545912      
0281298553      
0534307291 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4720.95CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4025.95.The difference is due to the POC amount of $695 showing as positive number on final Cd XXX. (No Data)
0534307291 No Zero tolerance fee in the amount of 195.45 increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. Need LOX, corrected CD, refund and proof of delivery.  12.17.19 - Client responded. Disagree with investor. There were no noted fee increases. The initial Loan Estimate issued XXXX was used to compare to the Final Closing Disclosure executed by the consumer XXX. Investor sheet not provided for comparison. No testing defect was found so no corrective action is required.   Processing, Tax Service,  Appraisal Fee, and Credit report fee do not have fee tolerance issues.
0328703547      
0873015295 No Lender approved exception for the subject property being listed for sale at time of application.  Clayton deems non material based on evidence property listing was canceled, credit score of 706, time in subject property over 11 years and PITI reserves exceeding 17 months. (No Data)
0873015295 No A Desk review was received with a reported value of $XXXX which is a variance of -13.85% less than the original appraised value of $XXXX.  A field review is required, Clayton to order. 1.22.20- A Field Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0687131751 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX. 1.13.20 - Client responded. Disagree: Borrower Closing Disclosure #XXX was e-Delivered on XXX and opened and acknowledged by borrowers on XXX.   XXX considers in hand delivery.  CD XXXX meets 3day timing for closing date XXX.  See attached document tracking.
0887639066      
0679400505 No Final CD and transaction dated XXX .The 3 day waiting period was not met. 12.24.19 - Client responded. "Disagree with investor. Initial CD was provided XXX. The CD was confirmed (acknowledged) in XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not e-signed but the pdf was opened by consumer XXX and, per XXX team testing methodology, this is the same as an in hand delivery.  Copy of origination system Documents and Packages page showing the Confirm date is attached.
0254916112 No Need proof that the initial CD was received by borrower 3 days before consummation date of XXX 01.3.20 - Client responded. Disagree:  CD#XXX eDelivered on XXX  CD#XXX was opened  and acknowledged by borrower on XXX considers in hand delivery.  See attached document tracking.
0254916112 No Tax returns are missing borrowers' signatures; 2018 1040 not signed and no PIN provided; 2017 1040 CPA PIN provided missing form 8879 for e-filing. 1.2.20 - Client responded. 2018 1040 includes Form 8453; U.S. Individual Income Tax Transmittal for an IRS e-file Return (California e-file Return Authorization). 2017 1040 includes a Preparer Tax Identification Number (PTIN), acceptable for underwriting.
0558789619      
0520708701      
0375159285      
0736987985      
0846437790 No Missing proof HELOC with XXX has been closed to future draws. Payoff and close on page 1012 is not signed by borrower.  1.29.20 - Client responded. Proof that XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement (HELOC authorization).
0846437790 No Missing proof HELOC with XXX ending in #XXX has been closed to future draws. Payoff and close on page 1012 is not signed by borrower. Clayton considers non-material based on compensating factors of credit score 796, low DTI 31.35% and residual income of $11,145.37 monthly. 1.29.20 - Client responded. Proof that XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement (HELOC authorization).
0687283342      
0072327923      
0336238831      
0817778950 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10316.76CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9727.33.  Difference is POC of $589.43. (No Data)
0614776708 No CD: XXX [Last CD], Calculating Cash to Close, Closing Costs Financed - Final,$3125.87CD: XXX [Last CD],  Calculating Cash to Close, Clayton Calculation, $2430.87 does not match.  Difference is POC of $695.00. (No Data)
0614776708 No Missing the VVOE for B1 and B2 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 XXXX and XXXX. (No Data)
0140076705      
0114604669 No Missing VOE for B2 within 20 business days of Note dated XXX; VOE for B2 is dated XXXX. (No Data)
0188143053      
0802038592      
0927704998      
0404270748      
0957692929 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0355970426      
0365542606 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2613.55CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2073.12. The difference is due to the POC amount for $540.43.  (No Data)
0881227705 No Missing Affiliate Business Disclosure.  Provide copy of missing document.  12.17.19 - Client responded. See attached XXX Business Affiliates, on page 2 under definitions.
0881227705 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 12.17.19 - Client responded. Disagree with Investor:  Title shows XXX as beneficiary on deed of trust dated XXXX.   H9 correct model form for refinance with same creditor.  See attached.
0881227705 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 7547.46CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 6937.03.  Difference is POC of $610.43. (No Data)
0881227705 No Lender approved exception for using PCL-Penalty Free Access on retirement accounts as both B1 and B2 were born in XXXX (so are over 59) and both have penalty free access to their retirement funds.  Total verified retirement funds $254,500.27; using 70% of this $178,150.19 to account for taxes to cover the PCL.  Required reserves is $4582.75 x 12 = $54,992.88.  Clayton deems non-material based on compensating factors of 750 qualifying score. Min required per guidelines is 720. DTI is 36.68%, max per guidelines is 43% and the borrower has been employed for 29.58 years.  (No Data)
0985919442 No Lender approved exception for purchase < 90 days.   Compensating factors include high residual income (exceeds $50,000/month); Bwr earns additional income that is not being used to qualify; low LTV (56%); low DTI (13.83%); and proven ability to save.   Clayton deems non-material based upon compensating factors. (No Data)
0792875623 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0721034174      
0086922470 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 B condition. (No Data)
0725036319      
0080148108      
0476723649 Yes A Desk review was received with a reported value of $XXXX which is a variance of -13.16% less than the original appraised value of $XXXX. A field review has been ordered.  12.31.19 - A Field review was received with a reported value of $XXXX which is a variance of -16.84% less than the original appraised value of $XXXX.1.03.20 - Client responded. We disagree with the Field Review, while the comparables may be more proximate to the subject, they are not deemed superior than those utilized in the origination appraisal report. The comparables are located in competing market areas and more representative of the subject's age, condition and characteristics.  While comparable 1 is noted to be located in a superior location, despite being .52 miles away, the aerial map indicates the home backs to a large industrial business and would likely offset any positive adjustment. furthermore, there is metal scaffolding and walls visible behind the house if you reference the street view of the comparable.  Comparable 3 is supportive of the origination value and has a similar adverse location being across from a school (sold $XXX).  A review of interior photos confirms the characteristics of comparables 1 and 3 are similar to the subject. These sales do offer support to the appraised value of $XXXX and the review appraiser agrees with the use of these sales. The sales used by the review appraisal might be more proximate, but vary significantly in site, gross living area GLA and bath count. The reason for the $XXXX increase in value from the most recent sale is understandably unknown, however, analysis of market conditions at that time would explain a sellers market with minimal homes on the market and higher demand. At the time of the appraisal, four (4) active listings existed between $XXXX and $XXXX, with such limited supply there is upward pressure on prices and values given the demand and evidence that homes typically sell above list price in the market area.  Based on comparables 1 and 3 from the origination appraisal, the appraised value is well supported.1.3.20 - Clayton has forwarded to third party to send to XXX for review. 1.8.20 - Response received from appraiser and appraiser stands by original Field Review value of $XXXX.
0649229235      
0781688259      
0799564818      
0429170657 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0506243601      
0166750930      
0191709590      
0099898847 No $762.50 zero tolerance due to decrease in lender credits from $4,950 to $4,187.50 on final CD XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 12.24.19 - Client responded. COC provided for decrease. 
0581355890 No Approved Lender Exception for vesting in LLC.   Reviewer approved required tracking for LLC vesting on this second home purchase transaction. The borrower has provided the articles of organization, operating agreement, and XXX cert. and agreement LLC for review. The reviewer has been able to analyze the documents provided and found the LLC to be in keeping with XXX policy requirements. B1 is the only applicant this membership is consistent with policy. B1 is a co-member of XXX with the nonapplicant spouse.  The purpose of the LLC is in keeping with XXX preferences as is the term (indefinite).  The reviewer discovered no red flags in the course of the documents reviewed. The borrower currently owns 2 pieces of real estate. Clayton deems non-material and downgraded to a level 2. (No Data)
0229267316      
0331184310      
0708102241      
0634334593 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0783415233      
0848381448      
0062289887      
0647136633 No The loan file is missing the completion cert, appraiser states is subject to the permits for the basement space having a final sign off from the city. Use of hypothetical condition may affect assignment results. 1.29.20 - Client responded. See attached Permit.  Also city was called and it was verified that the water mark of on the document is proof that all inspections are final and the work is completed and fully permitted.
0984705645 No All CD's: Other Costs Section F disclosed 6 months HOI total as $345.12. $345.12 / 12 months equals $28.76. Which is inconsistent with Section G disclosed HOI escrowed at closing as $150.18 per month. Provide corrected PCCD, LOX and copy of shipping. 12.20.19 - Client responded. Disagree  $345.12 was remaining  balance on current insurance policy.  New premium of $1802.18 and $150.18 correctly disclosed.  See attached Insurance Statement/Invoice.
0984705645 No Approved lender exception for property type. A Manufactured home sits on the property. Accessory Units are common and typical for the area and comp 2 has an ADU. Clayton deems exception non material based on compensating factor of 61.14% LTV vs 70% max per G/L, 20+ years with same employer, and 37.29% DTI (No Data)
0650983906 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. 1.13.20 - Client responded. Disagree:   Title Commitment Schedule B #2 list mortgage in favor of XXX XXXX in amount of $XXXX. XXX is original lender and H-9 Model Form was used appropriately.  See attached Title Commitment Schedule B #2.
0650983906 No The loan file is missing executed evidence that the XXX Heloc is  paid and closed to future draws.   1.10.20 - Client responded.  See attached Title Policy showing only new 2nd with XXX but no XXX 2nd.
0751257036 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0663663919      
0944311195      
0151408430 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0370543033      
0859810000      
0210676456 No Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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)
0194157748 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0194157748 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX 1.27.20 - Client responded. Disagree:  CD#XXX and opened and acknowledged on XXX considers in-hand delivery and meets 3 day timing for XXX consummation.  No remediation required.  See attached document tracking for CD#XXX
0194157748 No Need evidence of change of circumstances letter for Zero tolerance,  (fee names) increase, or a copy of a refund check in the amount of $484.14.  Requires LOX, PCCD, Refund and Proof of Shipping. 1.27.20 - Client responded. Disagree:   Consummation CD#XXX includes borrower paid Appraisal $195.43 and Credit Report $15.43.  Remaining fees are Seller Paid.   CD#XXX  also includes lender credit of $1000.   Per XXX testing methodologies there is no Fee Tolerance violation.    Please provide additional information on $484.14 fee tolerance issue.    Consummation CD #XXX attached.
0007875351      
0615230024      
0037865525      
0535134091      
0909085827      
0289698118 No CD: XXX : AmountFinanced, Value: $628,533.36Field: Original Principal Balance, Value: $XXX 1.8.20 - Client responded. Disagree: The amount financed is accurate. Amount Financed exceeds loan amount by $533.36 which equals the per diem interest credit.   This interest credit is a rebate directly to the borrower and correctly disclosed in the Amount Financed. There are no other prepaid charges to offset the interest credit.
0289698118 No Missing Affiliate Business Disclosure  (No Data)
0390984890      
0753794045 No Provide HELOC disclosure document that is fully executed.  HELOC Payoff/Close document in file unsigned. 1.16.20 - Client responded. Executed Demand Statement (authorization) attached to document XXX has been closed to future draws.
0753794045 No Provide HELOC disclosure document that is fully executed.  HELOC Payoff/Close document in file unsigned. 1.16.20 - Client responded. Proof XXX has been paid and closed to future draws attached, to include Closing Disclosure and executed Demand Statement (authorization).
0753794045 No Approved Lender exception for LTV or CLTV (over maximum allowed 70%) Approved LTV 72.789%. Clayton deems non-material based on compensating factors of Qualifying Credit score of 790, strong retirement assets, low DTI of 32%, explanation from borrower how HELOC from 7/19 was spent.  (No Data)
0735770180      
0175910260      
0789509725 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0789509725 No Approved Lender exception for No housing history for a first time home owner.  Lender compensated the exception with the borrowers having additional income not used to qualify with the potential for increased income, low ratios, minimal debt, and post closing liquidity.  (No Data)
0389215607      
0044776384 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)
0012361670 No Short liquid reserves $10,771.52.  Required reserves $78,233.40 required PCL $39,116.70 and verified liquid assets $28,345.18. 1.22.20 - Client responded. Sufficient cash reserves. Verified liquid assets $39,942.16 vs $28,345.18. Additional liquid assets to include  1- XXX Checking #XXX of $5,794.95 (attached)  and  2- XXX Checking #XXX of $5,802.03 (attached). $5,794.95 (XXX) + $5,802.03 (XXX) = $11,596.98 + $28,345.18 = $39,942.16 total verified liquid assets.
0012361670 No Approved lender exception for charge off greater than $500 not paid and over 24 months.  Clayton considers as non-material based on LOE from borrower this was a fraudulent account, borrower has had excellent credit, long term mortgage history, low LTV 65.87% and residual income of $15,586.65 monthly. (No Data)
0550109460      
0147457889 No Missing proof of PITI on XXX. Only HOA was provided. Using figures from 1003 for qualifying purposes  12.26.19 - Client responded. Proof of PITI for XXX attached. Monthly PITI payment is $1451.17 to include escrow (with XXX) is the same property in the XXX
0147457889 No Missing proof of PITI on XXX. Only HOA was provided. Using figures from 1003 for qualifying purposes  12.26.19 - Client responded. Proof of PITI for XXX attached. Monthly PITI payment is $1451.17 to include escrow (with XXX is the same property in the XXX
0527333393 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0642708852 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0148112476      
0365773081 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)
0365773081 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3566.47CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2871.47. The difference is due to POC amount of 695 showing as positive number in Calculating cash to close section.  (No Data)
0365773081 No Missing B2 VOE within 20 business days prior to Note dated XXX; VOE provided is dated XXXX. (No Data)
0831552619      
0657552809      
0056133568      
0036470894 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0488401510 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3260.31CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2649.88$610.43 POC fees. (No Data)
0711947910      
0195766046 No Appraised value is $XXXX of which $XXXX is land value, leaving $XXXX as value of improvements; loan amount is $XXXX and total hazard insurance coverage is $XXXX.  No insurance company Replacement Cost Analysis was found. 1.22.20 - Client responded. "See attached screen print showing the borrowers switched to a different insurance company (XXX) with replacement Cost.  It was done recently so no Dec Page received yet just verbally for now."
0195766046 No Lender approved exception for LTV exceeding guidelines; LTV is 67.857% and maximum allowed LTV is 65%.  Clayton deems non-material due to compensating factors including remaining residual income of $22,336.47, DTI of 35.80%, long term employment with B1 having 22 years in the same job, documented additional income not used to qualify, and demonstrated ability of the borrowers to accumulate savings.  Borrowers also have demonstrated good ability to repay debt obligations and have no late pays or derogatory ratings with over 20 years of credit history. (No Data)
0690994517 No Missing Evidence that borrower received a CD 6 days prior to closing.  1.8.20 - Client responded. Disagree:  CD#XXX was sent electronically on XXX.  CD#XXX was opened and acknowledged on XXX considers in-hand delivery.  Meets timing for XXX consummation.  See attached internal document tracking.
0375423366      
0293853808      
0084786391      
0144766168 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0144766168 No A Desk review was received with a reported value of $XXXX which is a variance of -11.33% less than the original appraised value of $XXXX. A field review has been ordered. *** Note...Original appraisal in file reflects value of XXXX but an appraisal review was provided and the value was increased to XXXX of which is not supported by the Desk Review or original appraisal.  1.10.20- A Field Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0706657938      
0967664174      
0071315609 No The loan file is missing executed evidence that the XXX Heloc is paid and closed to future draws.   1.29.20 - Client responded. See attached Title Policy showing that a 2nd lien was not attached to the property after closing.
0816109365 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0816109365 No Homeowners Insurance coverage of $XXXX is insufficient to cover the loan balance.  Appraisal estimated cost new is XXXX.  Missing the Replacement Cost Estimate from Insurance Company. 12.30.19 - Client responded. Per lender policy, hazard insurance policies must pay claims on a replacement cost basis.  Farmers Insurance Evidence of Insurance attached contains Extended Replacement Cost coverage; no additional coverage is required.
0343074163      
0185928927      
0815902205      
0315940642      
0626584268 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0099579706 No $43.80 Ten percent tolerance due to increase in Recording fees from $132 to $189 without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 12.17.19 - Client responded. Agree.  The Recording Fees increased from $132 to $189 on CD issued XXX without a valid reason. Recording fee baseline is $132.00 + 10% = $145.20.  The recording fee increased from  $132.00 to $189.00. Over tolerance by $43.80. The consummation CD disclosed in Section J Lender Credits including $37.80 credit for increase in Closing Costs above legal limit. This $37.80 credit is not sufficient to cover the recording fee refund. Refund due to the borrower in the amount of $6.00. Remediation requested.1.6.20 - Client responded. 1/06/2020:  see attached PC CD, LOX, Refund
0868859047 No Approved lender exception for no mortgage/ rental payment history covering less than the most recent 12 months FTHBW/ housing payment. Clayton deems non - material based on compensating factors of ratios in line DTI under 40% and low debt usecoupled with good residual income point to borrower's ability to repay the loan debt. (No Data)
0508790275      
0344060624      
0001208260 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0001208260 No Lender approved exception for No mortgage/rental payment history. Borrowers are 1st time homebuyers. Borrowers have lived at the departure residence since XXXX. They are XXXX and live rent-free. Borrowers have no adverse credit dating back to XXXX, good credit history overall, long term stable employment, DTI 35.69, 30% down payment and Liquid PCL of $109K. Clayton deems non-material based on compensating factors of 798 qualifying score. Min required per guidelines is 680, the borrower has been employed for 31 years  and the borrower has been in current profession for 34 years.  (No Data)
0541268474      
0026750669      
0928657686      
0899544017      
0985560599 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0719944689 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0147657870 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0421702906 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0930880228 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0930880228 No Ten tolerance of $21.10 for increase in recording fees. Need evidence of change of circumstance letter or a copy of a refundable check for ten percent tolerance fees. 1.27.20 - Client responded. Disagree:  Change Circumstance for power of attorney added on XXXX.  CD#XXX sent on XXX and meets timing requirements.   No remediation needed. See attached CoC documentation.
0058152232 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0452894588      
0765906942      
0996703003      
0504867538      
0353664729      
0022165426 No Need proof that the initial CD was received by borrower 3 days before consummation date of XXX 12.30.19 - Client responded. Disagree: CD #XXX.  Opened and acknowledged by borrower on XXX.   Meets 3 day timing for for XXX consummation.  See attached document tracking.
0476603849      
0904068300      
0157661859 No The finance charge is under disclosed by $418.55. Final CD dated XXX disclosed finance charge as $304,194.22, review calculated finance charge to be $304,612.77. The following fees were applied towards APR: Escrow Service Fee $670.00, Prepaid Interest $1409.70, Homeowners Insurance Premium $446.15.  Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 1.3.20 - Client responded. Disagree:  Premiums for Home Owners insurance are non-APR and should be excluded from Finance Charge calculations. XXX provides property insurance on home.  See attached documentation and support for $446.15 charge.    APR and FC are within acceptable tolerance and no additional action required.
0157661859 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data)
0901127013 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 1.8.20 - Client responded. Disagree:  CD#XXX was sent electronically on XXX.  CD#XXX was opened and acknowledged by borrowers on XXX considers in hand delivery.  Meets timing for XXX consummation.  See attached internal document tracking.
0268204072 No Seller fees listed on Seller CD and Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0607938872 No Missing Affiliate Business Disclosure.  Provide copy of missing document.  (No Data)
0607938872 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation of XXX 12.20.19 - Client responded. Disagree:  CD #XXX.  The borrower opened and acknowledged the CD on XXX.   Per XXX testing methodologies this considered in hand delivery and meets 3 day timing.   See attached Document Tracking.
0251366063 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0251366063 No Lender approved exception for No Housing History. Clayton deems non-material based on compensating factors of 778 qualifying score. Min required per guidelines is 680. DTI is 26.78%, max per guidelines is 43% and residual income of $12,22.769 (No Data)
0111309815      
0909385115      
0230876099      
0815122729 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0815122729 No Lender approved exception in file for First-time homebuyer without the required 12 months housing history. Clayton deems non-material based on compensating factors of 787 qualifying score. Min required per guidelines is 680. DTI is 25.11%, max per guidelines is 43% and the borrower has been employed for 4.37 years.  (No Data)
0234935183      
0364070754      
0208857959 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)
0556108109 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0958095313 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0958095313 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)
0968138324      
0083631836      
0187804075 No 1. Missing verification of Insurance and HOA for REO on XXX 1.14.20 - Client responded. Verification of insurance and HOA for REO on XXX account statements (2 months) reflecting monthly HOA payments of $815; Insurance declaration page, total premium $454.
0187804075 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0187804075 No Missing verification of Insurance and HOA for REO on XXX 1.14.20 - Client responded. Verification of insurance and HOA for REO on XXX attached. XXX account statements (2 months) reflecting monthly HOA payments of $815; Insurance declaration page, total premium $454.
0319689882 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data)
0319689882 No Lender approved exception for Paid or Unpaid Charge Off greater than 500 dollars within two years of application date. Customer has a charge off from XXXX for $613 - 5C's have indicated the charge off occurred due to an address Change and borrower was not aware that there was a balance and payment due. This card was opened XXXX and was paid as agreed prior to XXXX. It is noted that the balance as of XXXX was $9, so customer LOX makes sense. Customer has paid the charge off. This is the only derogatory Credit noted and appears to be isolated in nature based on the borrowers overall credit history. Exception for charge off within 2 years is warranted due to the overall strength of the loan file. Clayton deems non-material based on compensating factors of  796 qualifying score. Min required per guidelines is 680, DTI is 19.62% max per guidelines is 43% and  Post close reserves are $932,316.05 or 141.66 months reserves. Required reserves per guidelines are 12 months. (No Data)
0984830018      
0018303136 No $145.00 due to addition of final appraisal inspection fee on final LE XXXX. Requires supporting COC for addition of fee, or corrected PCCD, copy of refund check, LOX and copy of shipping. 1.23.20 - Client responded. Disagree. The final appraisal inspection fee on the final LE $145.00 was added with a valid Change Circumstance of appraisal service or appraisal product change XXXX. The LE was disclosed to the borrower within the 3 day timing requirement (XXXX).This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screenshot attached.
0662886586 No Missing the signed 4506T at closing. Per lender guidelines, All borrowers to execute an IRS form 4506-T at loan closing. If the borrowers filed their tax returns jointly, only one 4506-T is needed 1.14.20 - Client responded. Executed (signed) 4506-T at closing attached.
0986070720 No Both the final CD and transaction dated for XXX. the 3 day waiting period not provided to the borrower. 01.3.20 - Client responded. Disagree:   loan closed XXX.  CD and Note signed/dated by borrowers on XXX.   CD#XXX.  CD#XXX was opened and acknowledged by borrowers on XXX closing date.
0671024568      
0763148211 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0763148211 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)
0773753551 No Seller fees listed on Seller CD and Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0140445664 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0797371696 No Approved lender exception for condo mortgagee responsible for greater than 6 months HOA dues in event of foreclosure.  Clayton considers non-material based on funds for down payment of $XXXX and liquid reserves of $363k, excellent mortgage history since XXXX, low DTI 35.34%, high credit score 787 and residual income of $23,171.56 monthly. (No Data)
0093686180      
0856387850 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0055159590 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0959870484 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0022492955 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0466758776 No Ten percent tolerance for $10.30 for increase in Recording Fees. Missing COC or Post Close CD with refund check to borrower.  Requires LOX, PCCD, Refund and Proof of Delivery. 1.24.20 - Client responded. Disagree:   XXX Lender credits includes over tolerance refunds of $2760.30.   $2750 for transfer taxes and $10.30 for recording fees.   No additional remediation required.
0374366226      
0876142093      
0377624368      
0851791024      
0255608843      
0005133636 No Provide Hazard Insurance/Property Tax verification for Primary residence XXX; XXX loan statement in file dated XXXX reflects principal/interest payment only.  12.30.19 - Client responded. Lender's loan records for mortgage #XXX reflect annual property taxes of $11,566.26 and annual hazard insurance premium of $837.00; figures match primary housing expense reflected on Underwriting Transmittal (1008) used for qualifying.  Copy of lender's online payment records and 1008 attached.
0005133636 No Provide Hazard Insurance/Property Tax verification for Primary residence XXX; XXX loan statement in file dated XXXX reflects principal/interest payment only.  12.30.19 - Client responded. Lender's loan records for mortgage #XXX reflect annual property taxes of $11,566.26 and annual hazard insurance premium of $837.00; figures match primary housing expense reflected on Underwriting Transmittal (1008) used for qualifying.  Copy of lender's online payment records and 1008 attached.
0964238483      
0671407785 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0671407785 No Lender approved exception for Short  required liquid PCL, retaining departure as investment.. Clayton deems non-material based on compensating factors of  796 qualifying score. Min required per guidelines is 680, DTI is 37.77% max per guidelines is 43% and  the borrower has been employed for 12 months.  (No Data)
0122510339 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0175566725 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0018527973 No Approved lender exception for use of rental income with borrower having > 12mo landlord experience.  Clayton deems non-material based on compensating factors of credit score 816 and reserves of approx. 21mo. 1.15.20 - Client responded. LVAM exception approved under the PCO delegated authority; borrower has less than 2 years property management experience with use of rental income.
0613793483 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0010875977      
0023372168      
0277751122      
0821363247      
0006912855      
0521327965      
0093579564      
0965850801 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0965850801 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)
0965850801 No Seller Cd not present in file. Please provide. 1.13.20 - Client responded. See attached Seller CD
0976782492      
0234547373      
0524683555      
0914204211 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0712759027 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0401476490 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0401476490 No The amounts disclosed for the Homeowners Insurance premium in one or more sections of the CD are not consistent. Homeowner Insurance total disclosed as $1,251.72 @ 12 months which equals $104.31 per month. However, initial escrow payment per month disclosed as  $139.08/month. 1.13.20 - Client responded. Disagree:  Total policy premium is $1669.   $417.28 was a partial payment applied leaving $1251.72 remaining for the current policy year.  $139.08 monthly escrow is correct based on full policy premium of $1669.
0095833943      
0816774845 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0258295534 No Zero percent tolerance fee of $841.00 for  Lender Credits and Lender Paid Fees Aggregate  . Missing COC or post close CD and evidence of refund to borrower 1.7.20 - Client responded. Disagree: XXXX price change and loan amount change reduced credit from $XXX. Final CD executed on XXX included lender paid fees aggregate of $1159. No fee tolerance violation; lender paid fees exceeds lender baseline credit of $1150. See attached Loan Estimate issued XXXX and CoC documentation.
0010099466      
0485705017      
0685437658 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0444657526 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0507360747      
0618189265 No Seller CD was not provided in the supporting documents in the file.  1.21.20 - Client responded. See attached combined Closing Disclosure.  Per Lender a separate seller CD was not done.  New construction no payoffs for this property.
0880979505 No Debt Ratio Exception 5% or Less: Lender approved at 42.77%. Clayton calculated income for B1 $24,494. Subject PITI $7116.21 and Other debt $3593.96 = $10,710.17 for DTI of 43.73% which is over the allowed 43% for QM.  12.6.19 - Client responded. UW used $24,494 for B1 income, subject PITI of $7116.21 and other debt of $3,361. The difference of $233 appears to be the taxes and insurance amount from the rental property. The underwriter offset the taxes and insurance payment with the rental income and didn't use any income from the property. A 24-month avg of rental income after the expenses for taxes and insurance would have resulted in an avg of $300 per month in income but this was not used.
0880979505 No Lender approved at 42.77%. Clayton calculated income for B1 $24,494. Subject PITI $7116.21 and Other debt $3593.96 = $10,710.17 for DTI of 43.73% which is over the allowed 43% for QM.   12.6.19 - Client responded. UW used $24,494 for B1 income, subject PITI of $7116.21 and other debt of $3,361. The difference of $233 appears to be the taxes and insurance amount from the rental property. The underwriter offset the taxes and insurance payment with the rental income and didn't use any income from the property. A 24-month avg of rental income after the expenses for taxes and insurance would have resulted in an avg of $300 per month in income but this was not used.
0880979505 No Missing updated valuation to support original appraised value. 12.04.19- A Desk Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0965487541 No Ten Percent tolerance of $21 for increase of Recording Fees. Please provide COC or evidence of refund in the amount of $21. 10.28.19 - Client Responded. Agree. The Recording Fees increased from $350 to $406 on consummation CD issued XXX. Requesting remediation.12.17.19 - Client responded. See attached PC CD, Refund, LOX
0403916254      
0438036478 No Provide verification that taxes and insurance are included in the XXX payment of $2,265 listed on credit report for REO on XXX 10.15.2019 - Client responded.  Taxes and Insurance are included into the XXX payment, document was provided.
0438036478 No Missing E consent for LE XXXX 10.21.19 - Client Responded. Agree:  missing eConsent for Co-Applicant.11.25.19 - Client Responded. 11/21/2019:  see attached eConsent
0438036478 No Provide verification that taxes and insurance are included in the XXX payment of $2,265 listed on credit report for REO on XXX 10.15.2019 - Client responded.  Proof of taxes and Insurance are included into the XXX payment, document was provided.
0727718994 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)
0727718994 No Disbursement date is XXX; end of statutory rescission period is XXX per ROR. Dates changed on ROR.  Requires LOX, PCCD, Proof of delivery and new NORTC. 10.21.19 - Client Responded. Agree:  CD discloses disbursement and per diem date as XXX.  Funds correctly disbursed on XXX after expiration of rescission period. Requesting remediation.12.6.19 - Client Responded. 12/4/2019:  See attached PC CD and LOX with corrected Disbursement Date and Per Diem Date
0810101652 No Satisfied: The seller CD disclosed seller paid fees in Other Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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)
0810101652 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)
0440498012      
0341142506      
0195032226 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0195032226 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)
0422987993 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.  Requires LOX, PCCD, proof of delivery and correct NORTC. 11.27.19 - Client responded. Model Form H-9 is the correct form as refinance is with the same creditor. Original mortgage being paid off on title has lender listed as XXX  which matches the current lender.
0740805450 No Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section C and Other Costs Section E and H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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)
0740805450 No Satisfied: The seller CD disclosed seller paid fees in Other Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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)
0467552849 No Approved lender  exception for short PCL requirements by approximately 3 months. Clayton considers non-material based on compensating factors of 71.21% LTV, 33.23% DTI, and $12,000/month in residual income (No Data)
0473788700 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0473788700 No A Desk review was received with a reported value of $XXXX  which is a variance of -26.1745% less than the original appraised value of $XXXX.  A Field  Review has been ordered.  1.15.20- A Field Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0525586982 No Missing List of homeowners counseling organizations.  Provide copy of missing document.  (No Data)
0525586982 No Expiration date on ROR is XXXX is prior to the date of XXXX.  Requires reopen rescission, updated NORTC with full 3 day rescission period. 12.30.19 - Client responded. Disagree:   rescission was opened on XXXX to resolve rescission defects.  See attached RORs signed XXXX.
0535637755      
0078585915 No List of homeowners counseling organizations missing.  Provide copy of missing document. (No Data)
0078585915 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)
0858806510 No LE: XXXX [Last LE], Section: Calculating Cash To Close, Field: - Deposit, Value: 0CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Deposit - Loan Estimate, Value: XXXLE: XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 345659CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXXLE: XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: 45659CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX (No Data)
0878012448 No Finance Charge Difference  understated by $579.98. Missing Itemization of fees included in APR breakdown of Credit when applicable.  Provide copy of missing document, Refund of the amount of the underdisclosure, LOX, Proof of Delivery. 12.2.19 - Client responded.  The ComplianceEase fee details form itemizes the fees included as APR. The Rate Lock Fee $500 was not included as an APR fee. Per the California Interest Rate Lock Agreement, the Rate Lock Fee is refundable upon the loan closing with the lender or the lender declining the loan. The Rate Lock Fee was paid before closing and the Rate Lock Deposit was refunded on page 3. Since the fee was not ultimately charged as an extension of credit, it is not considered an APR fee. The Finance Charge is overstated by $203.19 and the Amount Financed is understated by $199.99 and both are in compliance. The APR fees included in the calculation are: Processing Fee $795, Underwriting Fee $630, Flood Certificate Fee $5, Tax Service Fee $70, Title - Courier/Exp Mail Fee $50, Title - Recording Service Fee $14, Title - Settlement/Closing Fee $575, and Prepaid Interest $551.71.
0878012448 No CD: XXX [Last CD], Section: Loan Calculations, Field: AmountFinanced, Value: $892109.30Field: Amount Financed as Calculated, Value: $891529.30. Difference of $580.Missing list of fees included in APR and breakdown of credits when applicable.   Provide copy of missing document, LOX, Proof of Delivery. 12.2.19 - Client responded.  The ComplianceEase fee details form itemizes the fees included as APR. The Rate Lock Fee $500 was not included as an APR fee. Per the California Interest Rate Lock Agreement, the Rate Lock Fee is refundable upon the loan closing with the lender or the lender declining the loan. The Rate Lock Fee was paid before closing and the Rate Lock Deposit was refunded on page 3. Since the fee was not ultimately charged as an extension of credit, it is not considered an APR fee. The Finance Charge is overstated by $203.19 and the Amount Financed is understated by $199.99 and both are in compliance. The APR fees included in the calculation are: Processing Fee $795, Underwriting Fee $630, Flood Certificate Fee $5, Tax Service Fee $70, Title - Courier/Exp Mail Fee $50, Title - Recording Service Fee $14, Title - Settlement/Closing Fee $575, and Prepaid Interest $551.71.
0878012448 No CD: XXX, Section: Loan Costs: Recording Fee payee listed as SPL.  Requires LOX, PCCD with updated Payee name. (No Data)
0590079733 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)
0590079733 No CD XXX [Last CD] disclosed a Closing Date of XXX; however, the Closing Date should be XXX. 11.11.19 - Client Responded. Agree - requesting remediation12.6.19 - Client Responded. 12/4/2019:  see attached PC CD and LOX
0651609645 No CD: XXX [Last CD], Section: Closing Information: Seller Information missing. Corrected on Post CD. Exception satisfied.  (No Data)
0240082252 No CD: XXX Section: Other Costs,  Field: Homeowners Insurance Total Monthly Payment, Value: $570.24 Section: Other Costs, Message: Field: Homeowners Insurance Total Amount Per Month, Value: $579.65 12.6.19 - Client Responded. Disagree.   The borrower's current HOI policy was on a payment plan with 10 months and $5702.44 remaining on the plan.   The lender required the HOI to be paid in full and $5702.44 was included in the prepaids Block G.   Monthly escrow was calculated using the annual premium amount of $6955.85 or $579.65 per month.  Invoices attached.
0701039260 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)
0701039260 No ROR expiration date of XXXX is prior to end of earliest rescission date allowable of XXXX. 11.15.19 - Client Responded. Disagree:   Note, Closing Disclosure, and Notice of Right to Cancel signed on XXXX.  NoRTC discloses rescission end date XXXX and is compliance with Reg Z requirements.  Closing Disclosure discloses Disbursement date of XXX which is after rescission expiration.  The Security Instrument is notarized on XXXX; this does not trigger open rescission or rescission extension.  Rescission based on consummation date or signing of Note and CD.
0701039260 No Final CD XXX:Section: Loan Disclosures- Escrow Account section.  Neither one of the boxes were selected  11.15.19 - Client Responded. Agree. Escrow section not completed. Remediation requested.11.26.19 - Client Responded. inv: 11/22/2019:  see attached documentation.  PC CD and LOX
0680996247      
0677771726 No CD: XXX [Last CD], Section: Loan Disclosures - Escrow Account will not have an escrow account is missing a selection of either "you declined it" or your lender does not offer one.  10.21.19 - Client Responded. Agree: The closing disclosure dated XXX is missing a checked box for either "you declined it" or "your lender does not offer one" in the Loan Disclosure section. Requesting remediation.11.27.19 - Client responded. See attached PC CD, LOX, and Mailing Label.
0876755308 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)
0932506863      
0169960444      
0625251146 No Disbursement date of XXX prior to required expiration date XXX, based on transaction date of XXX 12.20.19 - Client responded. Disagree:  Post close CD with updated disbursement date XXX in file; see attached.
0625251146 No All CD's are missing Loan Acceptance section. (No Data)
0521318659 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)
0803838618      
0358141789      
0757119637      
0974061124 No Required Affiliate Business Disclosure missing and no Facts located in file. (No Data)
0699749187      
0203951540      
0449841787      
0890273348 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)
0597352845 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0198039643 No Afb Disclosure missing. Please provide.  (No Data)
0198039643 No Missing proof there were no draws on HELOC in the last 12 months >  2% of the new mortgage amount. 1.14.20 - Client responded. Refer to Correspondent guidelines, page 216 of 252, Rate/term refinances. The HELOC was used to purchase the subject property. No further verification required per the guidelines. 
0164039335      
0806651973 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0806651973 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)
0970744433      
0441337763      
0764437650 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)
0764437650 No PCCD required with a disbursement date of XXX. The ROR disbursement date on the ROR disclosure is XXX the Final CD disbursement date XXX. 12.17.19 - Client responded. XXX is escrow state and updated PC CD provided to Borrower.  See attached.  PC CD has correct disbursement date and per diem date.  No refund required.  Funds disbursed correctly after rescission expiration.   No new rescission period required. See attached PC CD.
0764437650 No PCCD required with a disbursement date of XXX. The ROR disbursement date on the ROR disclosure is XXX the Final CD disbursement date XXX 12.17.19 - Client responded. Re-open rescission, refund of $56.59, and Post Consummation CD with correct disbursement date and per diem start date needed to remedy.   Rescission ended midnight XXX CD has disbursement date and interest start date XXX. Remediation requested.12.17.19 - Client responded. XXX escrow state and updated PC CD provided to Borrower.  See attached.  PC CD has correct disbursement date and per diem date.  No refund required.  Funds disbursed correctly after rescission expiration.   No new rescission period required. See attached PC CD.
0275391095 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0754517462      
0063801178      
0323743636      
0554485894      
0562351227      
0863428446      
0971466510 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0027459270 No Provide fully executed evidence that the XXX was paid and closed to future draws. 12.18.19 - Client responded. See attached Title Policy showing no 2nd lien attached to the property.
0171713300 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)
0556411328 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0820670342      
0098308885      
0081978157 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)
0843711947      
0512318878 No missing acknowledgement of cd 3 days prior to consumation date.  File contains only 1 CD issued on XXX.  CD was not signed until XXX.   12.17.19 - Client responded. Agree:  CD with issue date of XXX has presumed delivery XXX.  Earliest closing date XXX.  Loan closed on XXX.  Need evidence of CD timing to meet consummation date on XXX. Remediation requested12.17.19 - Client responded. See attached DocuSign for evidence of delivery/receipt of CD on XXX
0719452152      
0032470149 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0032470149 No Please provide clear copies of the XXX Statement accounts ending in xXXX $1286762.17 AND xXXX. Copies in file are illegible.  1.27.20 - Client responded. See attached PDF's which can be enlarged to show more detail.
0761782952 No NTB document missing. Provide copy of missing document. 1.14.20 - Client responded. See attached NTB requirement documents
0646803606      
0912257341      
0990557435      
0594766390      
0723888838 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0986735726 No Seller fees listed on Seller CD and Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0690898587      
0394145910 No CD: XXX, Section: Other Costs Section H: Home Warranty Fee payee name listed as TBD. Provide a corrected PCCD, LOX, and proof of shipping.  (No Data)
0394145910 No CD: XXX [Last CD], Section: Loan Disclosures - Escrow Account -  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. Provide a corrected PCCD, LOX, and proof of shipping.  12.17.19 - Client responded. Agree: the closing disclosure dated XXX is missing a checked box for either "you declined it" or "your lender does not offer one" in the Loan Disclosure section. Remediation requested.12.17.19 - Client responded. See attached PC CD, LOX, and Label
0222794979 No CD: XXX [Last CD], Section: Other Fees Section H: Home Warranty fee is missing the optional designation required for borrower paid fee. Provide a corrected PCCD, LOX, and proof of shipping.  (No Data)
0222794979 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0222794979 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)
0251132442      
0534552028 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0082093234      
0044212683 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)
0044212683 No Per client guidelines increased authority approval is required when a borrower has more than 5 properties regardless of whether financed or not. File did not include this additional approval. Clayton deems non-material based on only 4 properties financed of 11. File includes the validation of PITI on the 4 properties and Taxes and HOI on the 7 non-financed properties. Low DTI of 26.8%, equity in the non-financed properties and reserves of almost 374k.  (No Data)
0044212683 No The bwrs departing home was retained as a rental property. UW obtained a copy of the lease agreement and proof of the deposit of first months rent and security deposit as required by guidelines however, a full appraisal to verify at least 30% equity was not obtained and is a policy requirement in order to use rental income for the departure residence. Including the full PITI and 2nd mtg, the rental loss increases to <-$6,191> per month and DTI increases 3.84% from 29.85% to 33.69%. Clayton deems non-material based on compensating factors of reserves in excess of 373k, strong credit in regards to payments on all debt with no lates and with low DTI even at newly calculated of 33.69%.  (No Data)
0959709394 No Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $56.80 for zero percent tolerance fees related to Settlement Closing Fees.  Requires LOX, PCCD, Refund and Proof of Shipping. 12.20.19 - Client responded. Disagree: The Settlement Fee was initially disclosed in section C of the LE and moved to section B of the CD which allows for a 10% tolerance. The increase from $1505.00 to $1561.80 remains within the 10% tolerance so no refund would be due to the borrower for this change.
0626855629 No CD: XXX [Last CD], Section: Summaries of Transactions Section K Line 11 HOA Dues are missing pay to/from dates. Provide a corrected PCCD, LOX, and proof of shipping.  (No Data)
0341506483 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0341506483 No Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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)
0695519720 No Initial CD issued on XXX.  No documentation that borrower received initial CD prior to final CD dated XXX.  Provide proof of receipt. 1.28.20 - Client responded. Agree:  Need evidence of delivery on preliminary CD three days prior to consummation on XXX. Remediation requested.1.29.20 - Client responded. See attached eDelivery tracking document.  Closing Disclosure was opened and viewed on XXX considers in-hand delivery and meets 3 day timing.
0251533995      
0237319903      
0643750103      
0287631238      
0607663044 No Seller fees listed on Seller CD and Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0928765202      
0667541972 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0301184777      
0563323943      
0382714497      
0277332355 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0277332355 No Approved Lender Exception for1 x 30 mortgage late.  Compensating factors include low  DTI of 28.50 % and job stability (Co borrower has been with current employer for 11 years).   Clayton deems as non-material based upon the  compensating factors. (No Data)
0962527166 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0673980487      
0266515179      
0971358115 No A Desk review was received with a reported value of $XXXX which is a variance of -11.39 % less than the original appraised value of $XXXX. A field review has been ordered.  12.24.19- A Field Review was received with a reported value of $XXXX which supports the original appraised value of $XXXX. 
0697509000 No Affiliated Business disclosure missing from loan file.  Provide copy of missing document. (No Data)
0674897472 No CD in file dated XXX is CD provided at closing. No evidence in file that borrower received the CD 3 days prior to consummation. Per mailbox rule earliest closing date isXXX. Loan closed on XXX.  1.21.20 - Client responded. Disagree.  The file contains an initial CD with issue date XXX which was e-signed by the borrowers on XXX.  This e-signed initial CD validates that it was acknowledged by the borrowers 3 days prior to consummation date of XXX
0718779227 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0718779227 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)
0718779227 No Approved lender exception for short liquid reserves $26,598.90.  Clayton considers non-material based on compensating factors of demonstrated savings in retirement account of $434k, high credit score 801 and residual income of $23,695.88 monthly. (No Data)
0324560397      
0180291554      
0619683032 No Need proof initial CD XXX was received by borrower 3 days before consummation date of XXX. 12.24.19 - Client responded. Disagree with investor.  Initial CD e-signed XXX by borrower and XXX by co-borrower. Consummation CD signed XXX.
0377191041 No Missing signed HELOC payoff and close with XXX 12.26.19 - Client responded. Please see bottom of page 5 of 7 of attached signed escrow instructions validating that the closing agent will pay off and release all liens of record.
0377191041 No The finance charge is under disclosed by $1,907.00. Final CD dated XXX disclosed finance charge as $621,561.13, review calculated finance charge to be $623,468.13. The following fees were applied towards APR: Processing $695.00, Administrative $899.00, Settlement Closing Fee $575.00, Flood Cert $9.50, Courier Charges $75.00, Recording Service Fee $14.00, Prepaid Interest $1041.70, Homeowner's Insurance Premium $2132.00.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 1.24.20 - Client responded. Disagree:  TPR appears to have included Home Owners insurance premium to State Farm.  Home Owners Insurance  is non-APR fee and should be removed from APR and Finance Charge calculations.    Loan passed XXX testing.
0377191041 No Missing signed HELOC payoff and close with XXX 12.26.19 - Client responded. Please see bottom of page 5 of 7 of attached signed escrow instructions validating that the closing agent will pay off and release all liens of record.
0418881151 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0379583377      
0768638937 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)
0879865295      
0267698799      
0399338078      
0624329693      
0425294685      
0606028194      
0389755835 No Cd XXX: Seller fees listed on Seller CD and  Borrower final CD. As the fees are at least reflected there is no material issue. Final Borrower Cd XXX have the Real Estate Commissions free listed and no Real estate broker commission fee. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0826952032 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0826952032 No Provide additional mortgage/rental history to meet the history requirement. Per guidelines a housing payment history (mortgage, rental, or combination of the two) covering a minimum of the most recent 12 months with no late payments must be verified either by the credit bureau or by direct verification.  Missing the November 2018 missing canceled check in file. (No Data)
0686174159      
0182091561 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0714903998      
0788717197      
0122255129 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0122255129 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)
0187609707      
0718534155      
0882737066 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0915882780      
0877548086 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0746741449 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0818477693 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0904867182 No The seller CD disclosed seller paid fees in Other Costs Section H that were not disclosed on the borrower's final CD. Fees can be sourced to seller 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)
0312903772 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0599919253 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)
0552280674      
0940550226      
0391992663 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0282510922      
0801051701 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0801051701 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)
0481341063      
0985710633 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0940802390 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)
0469133639 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0832258379 No  List of homeowners counseling organizations not compliant. Acknowledgment in file but the list is missing.  (No Data)
0832258379 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0731355143 No Seller fees listed on Seller Cd and Borrower final CD. As the fees are at least reflected there is no material issue. Section H lists additional. Additional Seller fee's are listed in section H for escrow and home warranty. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data)
0200266742      
0167864087      
0290190209 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)
0290190209 No Initial 1003 dated XXXX Written List of Providers dated XXXX. 1.21.20 - Client responded. Disagree. Lender is not open for business on Saturdays per attached Saturday Business Day list. No timing defect.
0290190209 No Initial 1003 dated XXXX Initial LE dated XXXX. 1.21.20 - Client responded. Disagree. Lender is not open for business on Saturdays per attached Saturday Business Day list. No timing defect.
0290190209 No Final CD reflects Total of Payments as $904,436.15.  Review calculations is $904,636.23.  Requires Refund to borrower in the amount understated of $200.08, LOX, PCCD and Proof of Shipping. 1.21.20 - Client responded. Disagree.  The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is within compliance of the calculated Total Payment Amount. Final CD reflects Total of Payments as $904,436.15.  Review calculations is $904,433.15. **Did the TPR include H02. HOA Capital Contribution $200.00 into their TOP amount?  Per XXX testing methodologies, HOA capital contributions are excluded from Finance Charge and TOP calculations.  No remediation required.
0439150390 No Cd XXX: Other costs screen: Section E: Recording Fee's are not itemized. Corrected on Cd XXX. Exception satisfied.  (No Data)
0439150390 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0141371111      
0896609983      
0971482414      
0104214693 No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation XXX 1.8.20 - Client responded. Disagree:  See attached acknowledgments of receipt of CD eSigned by borrowers.
0383323003      
0753332998 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0095035871 No Missing List of homeowners counseling organizations.  (No Data)
0095035871 No Missing Written List of Providers. (No Data)
0095035871 No CD dated XXX - Closing Information section, Zip Code is missing from the property address. (No Data)
0329977612      
0359256513      
0030018549      
0806792266      
0479215471 No Missing Seller CD to validate Seller's fees on borrower's CD. 1.29.20 - Client responded. See attached Seller CD.
0291891921      
0593038273      
0793398114 No Missing verification of HOI for REO on XXX 1.2.20 - Client responded. See attached statement. HOI provided. 
0793398114 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0793398114 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)
0793398114 No Applies to CD dated XXX and PCCD XXX: Formatting issue in section Loan cost C. Line 04 Title recording fee payee says SPL, should be XXX 1.24.20 - Client responded. Disagree: XXX. is service provider for recording service
0793398114 No Missing verification of HOI for REO on XXX 1.2.20 - Client responded. See attached statement. HOI provided. 
0913096778      
0432425021      
0646340304      
0107362383 No Seller CD was not provided in the supporting documents in the file.  1.29.20 - Client responded. Per XXX(Lender) they don't create a separate seller CD only a combined one.  See attached.
0250596078 No List of homeowners counseling organizations is dated XXXX and was not provided within 3 days of initial application of XXXX (No Data)
0291992517      
0085472386      
0389451731      
0398030215      
0353124190      
0039178981      
0023279116      
0298522684      
0539716991      
0665162323      
0193474187      
0013897029      
0095553373      
0079875983 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0079875983 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)
0777908292 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)
0394154944 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)
0713503984      
0846244857 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0381027075      
0257126042 No Finance charge understated by -198.00, No fee itemization found in file. Requires corrected PCCD, copy of refund check, reopen of rescission, LOX and verification of shipping. 12.30.19 - Client responded. Disagree: XXX calculated FC $347877.19 and disclosed FC of $347877.12.   FC is within tolerance.  See attached documentation.
0257126042 No CD: XXX [Last CD], Section: Loan Calculations, Field: AmountFinanced, Value: 512405.25Field: Amount Financed as Calculated, Value: 512207.25 12.30.19 - Client responded. Disagree:  Amt Financed variance due to TPR calculated FC variance.   XXX calculated FC is within tolerance and amount financed is accurate.   See attached documentation.
0768832501      
0650881741      
0087095125 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0925912563      
0010161112      
0632717809      
0784661645 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0312750052 No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related 1.29.20 - Client responded. See attached combined Closing Disclosure that shows the seller side costs and payoffs (left side).
0625035775      
0248933078 No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related.  Provide copy of missing document. 1.27.20 - Client responded. See attached final combine Settlement Statement that shows the seller side (left side of document) fees paid.
0046114585 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0046114585 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)
0107577209      
0407287199      

 

 

Alt Loan Number Conclusion Comments TRID Error Type Cure Method Compensating Factors
0874264434       CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives over 6000.00 per month in additional income not used to qualify

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 793 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX since 2004
0655793227       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.11 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 credit score exceeds guidelines requirement of 740 by 69 points
0971346852 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.77%. 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 13 years.
0740366376 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.70%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 32 months cash reserves. 12 months required for this program.
0740366376 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.70%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 32 months cash reserves. 12 months required for this program.
0508893554 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 785 is 105 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1's time at current job of 160 months exceeds the 24-month requirement by 136 months.
0146623882 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The 747 rep FICO from the primary wage earner exceed guidelines minimum required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 36.65% with a max DTI of 43%.
0634884110 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 14 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20years.
0295901565 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 792 is 112 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrowers time at current job of 401 months exceeds the 24-month requirement by 377 months.
0046552185 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 805 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years experience in profession.
0083917578       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.58% is below maximum of 70%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39%  below guideline requirement 43% by 3%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 Significant time in profession : 20yrs
0593829226 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 768 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.5% is 7.5% below the maximum allowable DTI of 43%.
0833674778 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $189,876.17 or 32.28 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 14 years
0160724347       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.62%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 73.75%. Max LTV for this program is 80.00%.
0714100774       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit history and is not a big user consumer credit.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  2018 w-2 $359544.24-75000=284544.24/12=23712.02  average  for 2 years $22,273.602017 W-2 $325022.22-75000=250022.22/12=20835.19Bonus $300,000.00 /12=$25,000.00+$23,712.02+$20,835.19 =$69,547.21/3=23182.40 assuming no other bonus is received and per letter from borrower this would be the case.   This is $1630.68 more money the borrower would have than originally used to qualify for this loan.

CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s)
- Clayton Comments:  PDA is in file and reviewed XXXXX date XXXXXX
CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower has shown steadily increase in income year over year.2018 w-2 $359544.24-75000=284544.24/12=23712.02  average  for 2 years $22,273.602017 W-2 $325022.22-75000=250022.22/12=20835.19Bonus $300,000.00 /12=$25,000.00+$23,712.02+$20,835.19 =$69,547.21/3=23182.40 assuming no other bonus is received and per letter from borrower this would be the case.   This is $1630.68 more money the borrower would have than originally used to qualify for this loan.
0845241945       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 5.39 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the same employer for 9.89.
0468241167       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 790; guidelines allow a minimum Credit Score 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 57.35%; guidelines allow a maximum LTV 80.00%.
0224967066 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,287,458.75 total assets.  Effective assets $1,160,343.15 and liquid assets $969,669.75.  Post close reserves $1,030,673.84.  Reserves required $43,830.24 (12 x $3652.52 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.29%; Maximum DTI 43% per guidelines.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 21 years.
0884493495 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.84 % DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 6 years
0884493495 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.84 % DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 6 years
0603758634 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.07%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 111 months cash reserves. 18 months required for this program.
0603758634 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.07%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 111 months cash reserves. 18 months required for this program.
0410064059 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $450,098.46.  Per program guidelines, 12mo PITI/PL  required or $57,259.32.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 808; Minimum for program is 680.
0410064059 11.21.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $450,098.46.  Per program guidelines, 12mo PITI/PL  required or $57,259.32.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 808; Minimum for program is 680.
0410064059 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $450,098.46.  Per program guidelines, 12mo PITI/PL  required or $57,259.32.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 808; Minimum for program is 680.
0628088672       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job : 11yrs

CFCFS2854: Significant time in profession
- Clayton Comments:  B1; significant time in profession: 12yrs
0100985056       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 793; guidelines allow a minimum Credit Score 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 27.49%; guidelines allow a maximum DTI 43.00%.
0980952397 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70.00%. Max LTV for this program is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 19 months reserves. 12 months required for this program.
0826699658 1.10.20 - Exception remains.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1's time at current job of 261 months exceeds the 24-month requirement by 237 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680
0198698646       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 80.00%; guidelines allow a maximum LTV 85.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 770; guidelines allow a minimum Credit Score 740.
0351358758       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 809; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $397,875.21.  Per program guidelines, 12mo PITI/PL  required or $66,201.60.
0503764081 (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The loan file includes evidence of an increase in monthly earnings for the Borrower (see last paystub) ; this increase was not used for qualifying.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 781.
0666840166       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 783 exceeds guidelines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% is 10 points below the maximum required LTV of 80%.
0669737689 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.75%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 21 months reserves. 12 months required for this program.
0669737689 1.8.20 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.75%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 21 months reserves. 12 months required for this program.
0010533153 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit 786 score exceeds guidelines 720 by 66pts

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 5 years.
0010533153 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit 786 score exceeds guidelines 720 by 66pts

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 5 years.
0382730242 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $475,824.56 or 108.38 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 13 years
0605380941 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 15+ years in this position

CFCFS2860: Good credit history
- Clayton Comments:  No missed payments in 22 years
0572034281       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $249,289.76.  Reserves required $4913.35 x 12 = $58,960.02

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.12%, max allowed per G/L is 43%
0364012147       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.82% is below the maximum of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.00% is below the guideline maximum of 43%
0782961994 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994 12.27.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0782961994 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0946928088 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 738; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.26%; guidelines allow a maximum DTI 43.00%.
0946928088 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 738; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.26%; guidelines allow a maximum DTI 43.00%.
0818158072 12.17.19 - Exception satisfied.  Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 56.67%, which is 23.33% less than the guideline max of 80.005.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with their current employer since 2012.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.69%, 22.31% less than the guideline max of 43.00%.
0748266519 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score of 729 is 49 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.69% is 22.31 points below the maximum required LTV of 80%.
0748266519 12.24.19 - Exception satisfied. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score of 729 is 49 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.69% is 22.31 points below the maximum required LTV of 80%.
0748266519 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score of 729 is 49 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.69% is 22.31 points below the maximum required LTV of 80%.
0748266519 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score of 729 is 49 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.69% is 22.31 points below the maximum required LTV of 80%.
0042889937 11.22.19  Exception remains. 12.3.19 - Exception remains. 12.12.19 - Exception remains. 12.13.19 - Exception remains. 1.13.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 53.57%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 18.57%; guidelines allow a maximum DTI 43.00%.
0872937814       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 765; minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.69%; guideline max is 43.00%.
0993908312 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.19%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 73 months reserves. 12 months required for this program.
0993908312 10.8.19 - Exception Remains.12.17.19 - Exception satisfied.  Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.19%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 73 months reserves. 12 months required for this program.
0058466192 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 786.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 15 years.
0058466192 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 786.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 15 years.
0558278558       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 30 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 792 and required minimum is 720.
0836687425 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.79%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 787; guideline minimum is 680.
0836687425 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.79%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 787; guideline minimum is 680.
0379185347 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.90 % below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0770701466 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 12.74 is below the maximum allowable DTI of 43%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Monthly housing expense decreased by $553.86 from $7,950.73 to $7,395.87.
0993721368       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.5%, max allowed per G/L is 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 9 years of significant time in profession
0312609376 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 777 exceeds guidelines OF Minimum 680 score

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 9 years of significant time in profession
0056458537 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.66% max per guidelines is 43%
0056458537 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.66% max per guidelines is 43%
0902304409 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 740; minimum score is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  DTI is 31.30%, maximum is 43.00%.
0950745959       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 18.3 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 772 with a minimum credit score of 680.
0563987393       CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have over 10 Years of paid as agreed mortgage history

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  borrower has  double the amount of reserves required
0821759494       CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession : 10yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 qualifying score. Min required per guidelines is 680
0710732992 10.1.19 - Exception Remains.12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.73%, max per guidelines is 43%.
0710732992 10.1.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.73%, max per guidelines is 43%.
0710732992 10.1.19 - Exception Remains.12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.73%, max per guidelines is 43%.
0710732992 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.73%, max per guidelines is 43%.
0710732992 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.73%, max per guidelines is 43%.
0710732992 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.73%, max per guidelines is 43%.
0495523954 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $192,483.30 or 31.33 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 21 years
0785535238       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit 770 exceeds guideline 680 by 90pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DT 23.09% below guideline requirement 43% by 19.91pts
0151786499       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.30 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.64%; guideline maximum is 43%.
0309268957 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.44% is below the required DTI 43% by 23.56%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative mid score 767 is 47pts above the 720 mid score requirement
0957830087       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 80.00%; guidelines allow a maximum LTV 90.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.58%; guidelines allow a maximum DTI 43.00%.
0726326333       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 29.21%; guidelines allow a maximum DTI 43.00%.
0139538054 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 16.90.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 66.76%; guideline maximum is 80%.
0680682524       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 58.12%. Max LTV for this program is 80.00%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 40 months of 0x30 mortgage payment history.
0023327504 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 13yrs
0870525869 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 50.45%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 742; guidelines allow a minimum Credit Score 720.
0870525869 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 50.45%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 742; guidelines allow a minimum Credit Score 720.
0870525869 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 50.45%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 742; guidelines allow a minimum Credit Score 720.
0365758782 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0183539719       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 126 months reserves. 12 months required for this program.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 56.25%. Max LTV for this program is 70.00%
0632260032       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score 811; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.33%; guideline maximum is 43.00%.
0337568653       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 79 months cash reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.28%. Max DTI for this program is 43.00%.
0522939699       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  11.00% DTI is below guideline requirements of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  57.11 % LTV is below guidelines max of 80%
0244390166       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV56% is below the maximum of 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 760 exceeds guidelines
0658567299 1.10.20 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,694.67.  Reserves required $4656.43 x 12 = $55,877.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.89%, max allowed G/L 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 10 years.
0658567299 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,694.67.  Reserves required $4656.43 x 12 = $55,877.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.89%, max allowed G/L 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 10 years.
0658567299 1.10.20 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,694.67.  Reserves required $4656.43 x 12 = $55,877.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.89%, max allowed G/L 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 10 years.
0658567299 1.10.20 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,694.67.  Reserves required $4656.43 x 12 = $55,877.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.89%, max allowed G/L 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 10 years.
0595964109 12.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $369,498.73.  Reserves required $5613.10 x 12 = $67,357.20

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 39 months history on XXX mortgage with no derogatory history.
0595964109 12.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $369,498.73.  Reserves required $5613.10 x 12 = $67,357.20

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 39 months history on XXX mortgage with no derogatory history.
0512766603 1.7.20 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The Borrower has good credit with a representative credit score of 798.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  The Borrower's credit report notes 18 months of timely mortgage payments.

CFCFS2854: Significant time in profession
- Clayton Comments:  The Borrower has 10 years of service in their chosen profession.
0512766603 1.7.20 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The Borrower has good credit with a representative credit score of 798.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  The Borrower's credit report notes 18 months of timely mortgage payments.

CFCFS2854: Significant time in profession
- Clayton Comments:  The Borrower has 10 years of service in their chosen profession.
0886145358       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $412,734.75or 72.37 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the current profession for 45 years
0039065727       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.57%, max allowed per G/L is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 66.89%, max allowed per G/L 80%
0089634107 1.10.20 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.19% and maximum allowed is 43%.
0899466323 1.8.20 - Exception satisfied. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profess: 20yrs

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: XXX incorporated 04/01/2016
0920697723 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 803 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.39%; guideline maximum 40.00%.
0920697723 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 803 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.39%; guideline maximum 40.00%.
0920697723 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 803 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.39%; guideline maximum 40.00%.
0363552090 1.22.20 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.93%. Max LTV for this program is 80.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 12 years.
0363552090 1.22.20 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.93%. Max LTV for this program is 80.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 12 years.
0521254034 1.29.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 747; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $77,534.02.  Per program guidelines, 12mo PITI/PL  required or $60,915.12.
0263183483       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.90%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 140 months reserves. 12 months required for this program.
0816092323 1.28.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 265 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.41%. Max DTI for this program is 43.00%.
0647959900 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.09%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 12 years.
0773662001 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower being XXX with same company for over 43 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 33.44% which is below the max DTI allowed per guidelines.
0415612415       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 67.47%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 796; guidelines allow a minimum Credit Score 700.
0669355009 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $101,400.70 or 21.49 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 5 years
0415184437 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $628,214.77.  Reserves required $3,679.32 x 6 = $22075.92 + Additional 6 months reserves are required for previous residence - $4,714. X 6=$28,284.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 received bonus income which is not being used to qualify.
0415184437 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $628,214.77.  Reserves required $3,679.32 x 6 = $22075.92 + Additional 6 months reserves are required for previous residence - $4,714. X 6=$28,284.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 received bonus income which is not being used to qualify.
0917139318       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 768; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.47; guideline maximum is 40.00%.
0124132366       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 816 and required minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.58% and maximum allowed is 43%.
0860564300 12.27.19 - Exception remains. 1.6.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 7.26 years.
0860564300 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 7.26 years.
0860564300 1.15.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 7.26 years.
0284367868 12.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,357,321.93. Reserves required $11,443 x 12 = $137,316

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 26.67%, max allowed per G/L is 70%
0284367868 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,357,321.93. Reserves required $11,443 x 12 = $137,316

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 26.67%, max allowed per G/L is 70%
0284367868 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,357,321.93. Reserves required $11,443 x 12 = $137,316

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 26.67%, max allowed per G/L is 70%
0284367868 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,357,321.93. Reserves required $11,443 x 12 = $137,316

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 26.67%, max allowed per G/L is 70%
0284367868 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,357,321.93. Reserves required $11,443 x 12 = $137,316

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 26.67%, max allowed per G/L is 70%
0284367868 12.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $7,357,321.93. Reserves required $11,443 x 12 = $137,316

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 26.67%, max allowed per G/L is 70%
0091862916 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.45%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 30 months reserves without using all submitted assets to qualify.12 months required for this program,
0091862916 1.8.20 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.45%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 30 months reserves without using all submitted assets to qualify.12 months required for this program,
0198048155 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 790;  guidelines minimum  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.48%; guideline max 43.00%.
0901686227 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $176,518.22.  Reserves required $4927.39 x 12 = $59,128.68

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  CLTV is 54.61%, max allowed per G/L is 70%
0901686227 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $176,518.22.  Reserves required $4927.39 x 12 = $59,128.68

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  CLTV is 54.61%, max allowed per G/L is 70%
0901686227 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $176,518.22.  Reserves required $4927.39 x 12 = $59,128.68

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  CLTV is 54.61%, max allowed per G/L is 70%
0901686227 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $176,518.22.  Reserves required $4927.39 x 12 = $59,128.68

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  CLTV is 54.61%, max allowed per G/L is 70%
0901686227 1.13.20 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $176,518.22.  Reserves required $4927.39 x 12 = $59,128.68

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  CLTV is 54.61%, max allowed per G/L is 70%
0230421721       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time ay current job with 12.5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 13.5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 773 & 794 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 19.703% with a max DTI of 43%.
0449297471 1.10.20 - Exception remains.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 802; minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.93%; guideline max is 43.00%.
0780213503 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.79 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.71 % LTV below guideline max of 70%
0780213503 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.79 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.71 % LTV below guideline max of 70%
0156876551 1.22.20 - Exception remains.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 794 & 794 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.77% with a max DTI of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession at 15 years.
0565535970 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job: 20 YRS

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 32 YRS
0619671192       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed as a XXX with the same company for the past 18 + years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  67.05% LTV is under 80%  max LTV guidelines.
0537260535 1.8.20 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The Borrower had good credit with a qualifying fico score of 739.

CFCFS2854: Significant time in profession
- Clayton Comments:  The Borrower had 10 years of service in their chosen profession.
0311589547 1.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 778 and minimum required is 680.
0363550151 12.11.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,236,718.04 total assets.  Effective assets $1,171,185.24 with liquid assets of $15,954.00.  Post close reserves $1,170,551.61.  Reserves required $149,752 (12 x $ 12,479.27).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.75; Maximum DTI per guidelines is 43%.
0363550151 12.11.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,236,718.04 total assets.  Effective assets $1,171,185.24 with liquid assets of $15,954.00.  Post close reserves $1,170,551.61.  Reserves required $149,752 (12 x $ 12,479.27).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.75; Maximum DTI per guidelines is 43%.
0161967285       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 54.31%; guidelines allow a maximum LTV 70.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.24%; guidelines allow a maximum DTI 43.00%.
0902022757       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid score is 802, exceeding the guideline min score allowed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been XXX for 20 years in the same business.
0511162958       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 27 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0061624823       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 767 and minimum required is 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 24 years.
0518759130       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years of significant time in profession
0258635314       CFCFS2854: Significant time in profession
- Clayton Comments:  (1)  Borrower has been in the same line of work for employer for 24 years.(2)  Co-Borrower has been in the same line of work for employer for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 757; guideline minimum is 720.
0518890745       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.96%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.
0601160700 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 790; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 34.20%; guidelines allow a maximum DTI 43.00%.
0290107440       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.60%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 42 months cash reserves.
0984185839 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1's time at current job of 194 months exceeds the 24 month requirement by 170 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 732 is 52 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves are $1.110.266.60. Reserves required 18 months $4053.31 X 18 = $72,959.58
0984185839 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1's time at current job of 194 months exceeds the 24 month requirement by 170 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 732 is 52 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves are $1.110.266.60. Reserves required 18 months $4053.31 X 18 = $72,959.58
0793815866 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 818 is 138 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.76% is 15.24 points below the maximum required of 43%.
0623459196 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 74.82%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 774; guidelines allow a minimum Credit Score 680.
0623459196 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 74.82%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 774; guidelines allow a minimum Credit Score 680.
0623459196 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 74.82%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 774; guidelines allow a minimum Credit Score 680.
0623459196 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 74.82%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 774; guidelines allow a minimum Credit Score 680.
0281483266 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $117,335.24 or 28.34 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in the same profession 25 years
0281483266 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $117,335.24 or 28.34 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in the same profession 25 years
0614571207 1.29.20 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $98,461.88.  Reserves required $6044.70 x 12 = $72,536.40

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 11+ years.
0693069447       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $255,067.18 or 39.71 months PITI, guidelines require 12 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.41% below guideline requirement of 43% by 13.59%
0243797782 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing funds $437,398.65.  Required reserves is $3276.77 x 12 = $39,321.24.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.
0533246836       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 802; guideline maximum is 40.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 12.07 years.
0484769264 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 804; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 31.93%; guidelines allow a maximum DTI 43.00%.
0991182989       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25% well below allowed 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 146k.
0388028859 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.763% is below the guideline requirement of 43%: 12.24pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1: significant time in profession : 16yrs
0520606070       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 807; guideline min 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.07; guideline max is 43.00%.
0053884599       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense decreased by 31.08% or $3,233,82 monthly from $10,404.85 to $7,171.03.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 32.156% is far below the maximum allowable LTV.
0572381003 1.16.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 52.48 is below guideline requirements 70%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 774  exceeds guidelines
0419737042       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $213,423.51.  Reserves required $4,694.59  x 12 = $56,335.08

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.30%. Max LTV for this program is 90%.
0600586085 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.12%, max per guidelines is 43%.
0600586085 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.12%, max per guidelines is 43%.
0674570489 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 788  exceeds guidelines 720 by 68pts

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job : 15yrs
0674570489 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 788  exceeds guidelines 720 by 68pts

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job : 15yrs
0082791792       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 784; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $221,689.48.  12mo reserves or $41,112.12 required.
0966544125       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 776; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.53%; guideline maximum is 43.00%.
0870408547       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 768; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $314,156.21.  12mo reserves or $76,495.92 required.
0365356107       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.44% is below guideline requirement of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 764 exceeds guidelines
0942128995 1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 5.28 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.83%; guideline maximum is 43%.
0942128995 1.22.20 - Exception remains.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 5.28 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.83%; guideline maximum is 43%.
0593595395 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.00 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61.54 % LTV below guideline max of 80%
0526016709 1.22.20 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $273,059.70.  Reserves required $8240.71 x 12 = $98,888.52

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 22 years
0526016709 1.22.20 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $273,059.70.  Reserves required $8240.71 x 12 = $98,888.52

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 22 years
0847339322       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 779 exceeds guidelines

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower is with the XXX and XXXX since 1996
0129589759 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers Credit Score 791; guidelines allow a minimum Credit Score 760.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV/CLTV 50.31/64.74%; guidelines allow a maximum LTV/CLTV 65/70%.
0718645568       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 710 is 30 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in profession for 20 years.
0926205199 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 16 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 764 is 84 points above the minimum required score of 680.
0926205199 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 16 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 764 is 84 points above the minimum required score of 680.
0491490608       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score 788; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.46%; guideline max is 43.00%.
0642615404       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37 % below guideline requirement 43% by 6 pts

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 qualifying score. Min required per guidelines is 680
0950079417 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $204,615.25.  Reserves required $5887.86 x 12 = $70,654.32

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years
0176132344 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 817 is 137 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 20 years experience in professions.
0611537100 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 7.6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 14.1 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 807 with a minimum credit score of 680.
0493099874       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $757,250.55 or 216.49 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.30% below guideline requirement of 43% by 24.70%
0581297547 1.16.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 767; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 32.81%; guidelines allow a maximum DTI 43.00%.
0879758129       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.24%; guidelines allow a maximum DTI 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 771 exceeds guidelines.
0301562552       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 56.67%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 32.52%; guidelines allow a maximum DTI 43.00%.
0613744471       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $328,430.21.  Reserves required $8597.06 x 12 = $103,164.72

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same employer for 15 years
0351267887       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $114,169.63.  Per program guidelines, 12mo PITI/PL  required or $49,420.92.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 788; Minimum for program is 680.
0945263059       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $332,969.83.  Reserves required $6057.08 x 12 = $72,684.96

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 44.56%, max  allowed per G/L is 80%
0991338984 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804 and required minimum is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0182340071 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying fico score of 779.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The  LTV for the loan transaction was 65.80% which was lower than the maximum LTV allowed of 80%.
0289392663       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.07% DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 25 years
0983076152       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 12.58%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 8 years.
0333824635 1.21.20 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 24 months PITI $249,117.84- Post closing reserves =$282,544.37

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX for 9 years
0333824635 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 24 months PITI $249,117.84- Post closing reserves =$282,544.37

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX for 9 years
0333824635 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 24 months PITI $249,117.84- Post closing reserves =$282,544.37

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX for 9 years
0569995019 1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 781 is 101 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.75% DTI is below the maximum of 43%
0569995019 1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 781 is 101 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.75% DTI is below the maximum of 43%
0051569573 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 816 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.05% with a max DTI of 43%.
0963415685 (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have 0x30 mortgage history last 25 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds guidelines
0955937264       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.17% DTI Below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  113 months reserves exceeds guidelines required 12 months
0139336740 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.23%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $409251.42 or  58.07  months, guidelines require 12 months.
0139336740 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.23%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $409251.42 or  58.07  months, guidelines require 12 months.
0139336740 1.14.20 - Exception remains. 1.16.20 - Exception satisfied.  Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.23%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $409251.42 or  58.07  months, guidelines require 12 months.
0577229284 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.62 % DTI below guideline max f 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  35.33% LTV below guideline max of 80%
0577229284 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.62 % DTI below guideline max f 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  35.33% LTV below guideline max of 80%
0819971454 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 34.24%; guidelines allow a maximum DTI 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 750; guidelines allow a minimum Credit Score 720.
0819971454 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 34.24%; guidelines allow a maximum DTI 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 750; guidelines allow a minimum Credit Score 720.
0819971454 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 34.24%; guidelines allow a maximum DTI 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 750; guidelines allow a minimum Credit Score 720.
0430386864       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers total DTI is 28.60 below required DTI of 43% = 14.40 pts

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $1,021,830.16 (130.61 mo)   exceeds the 12 months required reserves of $93,885.12
0788976212 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $205,957.69. Reserves $6761.46 x 6 = $81,137.52

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 7 years
0788976212 12.30.19 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $205,957.69. Reserves $6761.46 x 6 = $81,137.52

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 7 years
0401899722       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.42%. Max DTI for this program is 43.00%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 34 years.
0868343203 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.96% DTI below guideline requirements of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.36% LTV below guideline requirement of 80 %
0868343203 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.96% DTI below guideline requirements of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.36% LTV below guideline requirement of 80 %
0868343203 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.96% DTI below guideline requirements of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.36% LTV below guideline requirement of 80 %
0636846092       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 801 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.15% is below guideline maximum of 43%
0768816663       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.96%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $283,932.57.  Reserves required $4,262.32 X 12 = $51,147.84
0633708857       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's median credit score is 804; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.22%; guideline maximum is 43.00%.
0706585544       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.26%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 69 months cash reserves. 12 months required for this program.
0032856897 (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Representative fico score 806 exceeds requirement fico of 720 86pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.68% is below the guideline requirement of 43%: 18pts
0469036000       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 721; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 24.20%; guidelines allow a maximum DTI 43.00%.
0259195322       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 36.86%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 773; guidelines allow a minimum Credit Score 680.
0233588768 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $613,340.17 total assets documented.  Effective amount is $481,950.97, with liquid assets of $284,867.17.  Post close reserves are $304,805.53.  Reserves required $3,994.71 x 12 = $47,936.52

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 12 years.
0233588768 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $613,340.17 total assets documented.  Effective amount is $481,950.97, with liquid assets of $284,867.17.  Post close reserves are $304,805.53.  Reserves required $3,994.71 x 12 = $47,936.52

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 12 years.
0778524050       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 797; guidelines allow a minimum Credit Score 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 with employer over 15 years and B2 with employer over 6 years.
0374708686       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 786 is 66 pts above the guideline requirement of 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves $1,312,007.61 = 413.96 months meeting the 12 month requirement of =$38,032.56
0800656283 1.16.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over 11 years of service with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower's have good credit with a qualifying score of 817.
0519785422 (No Data) (No Data) Not Applicable 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:  Post-closing funds are $95,403.27.  Required reserves is $3060.88 x 12 = $36,730.56.
0297778582       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.36% below guideline requirement of 80%LTV by 18.64 points

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.60% below guideline requirement of 43% by 11.4%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $191,669.78 or 58.69 months PITI
0894481671 1.27.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $129,953.89.  12mo reserves or $38,144.28 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 735; Minimum for program is 680.
0275718333       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 23 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 749 and minimum required is 680.
0215380832 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower in profession for 29 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.81%. Max DTI for this program is 43.00%.
0788742852       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 34 months cash reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.21%. Max DTI for this program is 43.00%.
0193185172       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,353,225.55.  Reserves required $3527.37 x 18 = $63,492.66
0527793964       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $202,243.15 or 50.35 PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 13 years
0257424185       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 749 exceeds guidelines.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.
0751464326 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good with a qualifying score of 785.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 23 years of service with current employer.
0751464326 1.21.20 - Exception satisfied.  Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good with a qualifying score of 785.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 23 years of service with current employer.
0782363688       CFCFS2860: Good credit history
- Clayton Comments:  The Borrowers have good credit with a qualifying fico score of 819.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 17 years of service with current employer.
0052092561 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.20%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 62.58%. Max LTV for this program is 80.00%.
0745627701 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 792; minimum score is 682.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.09%; guideline max is 43.00%.
0014372153       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.65% below guideline requirement of 43% by 11.35%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 25 years
0096545912       CFCFS2854: Significant time in profession
- Clayton Comments:  20 years in the same profession as a XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $358,425.31 exceed guidelines  Of Required $50,937.12 guidelines
0281298553       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and minimum required is 680.
0534307291 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $852.569.62.  Reserves required $36,513.48 (12 x $3042.79).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score for a cash out refinance is 720.  Borrower representative score is 815.
0534307291 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $852.569.62.  Reserves required $36,513.48 (12 x $3042.79).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score for a cash out refinance is 720.  Borrower representative score is 815.
0328703547       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 803; minimum required for 80% LTV is 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.87%, max allowed per G/L is 43%
0873015295 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $174,742.76.  12mo reserves or $119,396.04 required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 11 years.
0873015295 1.22.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $174,742.76.  12mo reserves or $119,396.04 required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 11 years.
0687131751 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $78,418.91.  Reserves required $4204.03 x 12 = $50,448.36.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 76.23%, max allowed per G/L is 805
0887639066       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 742; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.84%; guideline max is 43.00%.
0679400505 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced by $2,932.56 monthly from $10,296.62 to $7,364.06.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.19% is  19.81% below the maximum allowable DTI of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their respective industries for 26 years.
0254916112 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 770 is 90 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 10 years experience in profession.
0254916112 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 770 is 90 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 10 years experience in profession.
0558789619       CFCFS2854: Significant time in profession
- Clayton Comments:  B1: Significant time in profession 19YRS

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1: significant time at current job: 19YRS

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  44.17% LTV is below maximum of 70%
0520708701       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.95 % DTI below guideline max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  74.61% LTV below guideline max of 80%
0375159285       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.29%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 46 months reserves.
0736987985       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years of significant time in profession

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0846437790 1.29.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 32.32%, max allowed per G/L is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,420,825.89.  Reserves required $4342.74 x 12 = $52,112.88
0846437790 1.29.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 32.32%, max allowed per G/L is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,420,825.89.  Reserves required $4342.74 x 12 = $52,112.88
0687283342       CFCFS2860: Good credit history
- Clayton Comments:  The borrowers have good credit with a qualifying fico score of 806.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The LTV for the loan transaction was 56.36% which was lower than the maximum LTV allowed per program guidelines of 80%.
0072327923       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The primary wage earners FICO score of 790 exceed guidelines minimum of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  63.49% LTV is below guideline max of 80%
0336238831       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 794; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.53%; guideline max is 43.00%.
0817778950 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 13 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.10%, max allowed per G/L is 43%
0614776708 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.84 % DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 680
0614776708 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.84 % DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 680
0140076705       CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower is saving $1,263.00 per month with refinance

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower recently lease prior home for 4500.00 month. Lease in file but not used at is requires 3 months of payments per guidelines.
0114604669 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 67.50%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 27.72%; guidelines allow a maximum DTI 45.00%.
0188143053       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 18 years of service with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  The Borrowers have good credit with a qualifying score of 797.
0802038592       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $410,867.65 total assets:  Effective assets $361,996.05 with liquid assets of $288,688.65.  Post close reserves $359,415.00.  Reserves required:  $88,802.16 ($7400.18 x 12)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have 7 years and 8 months on current job.
0927704998       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.50 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  67.19 % LTV below guideline max of 80%
0404270748       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 800 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0957692929 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.58% below guidelines requirement 43% : 10 pts

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative fico score of 803 exceeds guideline requirement 720 : 83 pts
0355970426       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.82%. Max DTI for this program is 43.00%.
0365542606 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.21 % DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 qualifying score. Min required per guidelines is 680.
0881227705 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 34 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 750 and required minimum is 720.
0881227705 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 34 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 750 and required minimum is 720.
0881227705 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 34 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 750 and required minimum is 720.
0881227705 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 34 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 750 and required minimum is 720.
0985919442 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 13.83%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.55%. Max LTV for this program is 80.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income that is not being used to qualify
0792875623 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 811; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 16.69%; guidelines allow a maximum DTI 43.00%.
0721034174       CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 20 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying score. Min required per guidelines is 720
0086922470 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 18 years.
0725036319       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 72.60% below guideline of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 14.85%; guidelines allow a maximum DTI 43.00%.
0080148108       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.23% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70.71 % LTV below guideline max of 80%
0476723649 12.31.19  Exception remains. 1.3.20 - Exception remains. 1.8.20 - Exception remains.  Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 772 and minimum required is 680.
0649229235       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.65%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional bonus income of $3,139.05 per month not used to qualify
0781688259       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.87%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.14% is below the maximum of 80%
0799564818       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.15%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.85%. CLTV 73.55%. Max LTV for this program is 80.00%.
0429170657 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 11.23 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.19%; guideline maximum is 43%.
0506243601       CFCFS3836: Borrower Net Worth
- Clayton Comments:  Cash reserves $398,071

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 789 exceeds guidelines
0166750930       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 773; guideline min is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 54.99%.
0191709590       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.75% is 12.25 points below the maximum allowable DTI of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score of 747 is 27 points above the minimum required score of 720 per guidelines
0099898847 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed with the current employer for 17.19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 9.16 years.
0581355890 (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have had 0x30 for 72 months on the mortgage payment history.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 15.88 years.
0229267316       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 11 years of significant time in profession
0331184310       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.34%, maxa llowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $676,306.32.  Reserves required $7996.59 x 12 = $95,959.08
0708102241       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The Borrower's LTV of 48.78% was below the maximum LTV allowed of 70%.

CFCFS2860: Good credit history
- Clayton Comments:  The Borrower's had good credit with a qualifying fico score of 803.
0634334593 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 804; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers actual DTI 28.73%; guidelines allow a maximum DTI 43.00%.
0783415233       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 47 months cash reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.10%. Max DTI for this program is 43.00%.
0848381448       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $715,449.19.  Reserves required $5402.95 x 12 = $64,835.40
0062289887       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.57%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.17%. Max LTV for this program is 80.00%.
0647136633 1.29.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying score of 809.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The co-borrower has XXX income that was not considered.
0984705645 12.20.19 - Exception satisfied.  Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same employer for 22 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 18 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.14%, max allowed per G/L is 70%
0984705645 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same employer for 22 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 18 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.14%, max allowed per G/L is 70%
0650983906 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Excellent mortgage history

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.96% max per guidelines is 43%.
0650983906 1.10.20 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Excellent mortgage history

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.96% max per guidelines is 43%.
0751257036 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 756 and required minimum is 680.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has not had any late pays in the past 2 years and has no mortgage related late pays in the past 2 years.
0663663919       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 30.03%; guideline maximum is 43%.
0944311195       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 plus years as a XXX as a XXXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  .
0151408430 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 745; minimum score is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 73.80%.
0370543033       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 71.43%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 26.94%; guidelines allow a maximum DTI 43.00%.
0859810000       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV/CLTV 58.16/63.62%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 787; guidelines allow a minimum Credit Score 700.
0210676456 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  18.88 DTI below guidelines max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guidelines max of 80%
0194157748 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years of significant time in profession
0194157748 1.27.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years of significant time in profession
0194157748 1.27.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years of significant time in profession
0007875351       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.92%, max allowed per G/L is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 798
0615230024       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower  representative credit score of 778 exceeds guidelines
0037865525       CFCFS2854: Significant time in profession
- Clayton Comments:  B1: significant time in the profession :10yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative mid score 753 -33 pts above guideline 720
0535134091       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 11YRS

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession : 10yrs
0909085827       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 788 and minimum required is 720.
0289698118 1.8.20 - Exception satisfied. Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 69.01 %; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 qualifying score. Min required per guidelines is 680.
0289698118 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 69.01 %; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  765 qualifying score. Min required per guidelines is 680.
0390984890       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid credit score is 800 median score, which is greater than the min  700  score per guidelines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 40% is below the 80% max LTV guideline
0753794045 1.16.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has significant time in profession : 50 yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative DTI 790 exceeds guidelines 720 by 70pts
0753794045 1.16.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has significant time in profession : 50 yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative DTI 790 exceeds guidelines 720 by 70pts
0753794045 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has significant time in profession : 50 yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative DTI 790 exceeds guidelines 720 by 70pts
0735770180       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.78%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 67.17%; guideline maximum is 80%.
0175910260       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 36.88%; guideline maximum is 43%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 70%; guideline minimum is 80%.
0789509725 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.46%.  Max 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 800.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $355,033.30, or 33 months subject PITIA.
0789509725 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.46%.  Max 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 800.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $355,033.30, or 33 months subject PITIA.
0389215607       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been in this line of business for 18 years and has XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 153 months of post close reserves
0044776384 (No Data) Numeric Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  excellent mortgage history for over 15 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been a house in XXX for 41 years
0012361670 1.22.20 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 27.53 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.24%; guideline maximum is 43%.
0012361670 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 27.53 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.24%; guideline maximum is 43%.
0550109460       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 21 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.95% and maximum allowed is 43%.
0147457889 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 772, minimum required is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2's time at current job of 62 months exceeds the 24 month requirement by 38 months.
0147457889 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 772, minimum required is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2's time at current job of 62 months exceeds the 24 month requirement by 38 months.
0527333393 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 785; guideline minimum is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 21 years.
0642708852 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $453,307.36 in total assets documented.  Effective amount is $430,570.02, with liquid assets of $394,949.12.  Post close reserves are $168,830.27.  Reserves required $5699.58 x 12 = $68,394.96

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.81$, max allowed per G/L is 43%
0148112476       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years of significant time in profession

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0365773081 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $116,486.99 or 23.44 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.65% below guideline requirement of 43% by 16.35%
0365773081 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $116,486.99 or 23.44 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.65% below guideline requirement of 43% by 16.35%
0365773081 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $116,486.99 or 23.44 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.65% below guideline requirement of 43% by 16.35%
0831552619       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 781 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.97 below guideline requirement 43% by 16pts
0657552809       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 789 & 789 with a minimum credit score of 680.
0056133568       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.09%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $343,411.18.  Reserves required $4,666.42 x 12 = $55,997.047
0036470894 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $708,085.81.  Reserves required $3,409.00 x 12 = $40,908.00

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.51%. Max DTI for this program is 43.00%.
0488401510 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 qualifying score. Min required per guidelines is 720.
0711947910       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 18 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68.85%. Max LTV for this program is 80.00%.
0195766046 1.22.20 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 774 and minimum required is 720.
0195766046 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 774 and minimum required is 720.
0690994517 1.8.20 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.21%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $506,187.48.  Reserves required $3011.63 x 18 = $54,209.34
0375423366       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $132,081.56.  Reserves required $5794.05 x 12 = $69,528.60

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70.91%,max allowed per G/L is 80%
0293853808       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.95% below guideline requirement of 43% by 14.05%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 30.09% below guideline requirement of 80% by 49.91%
0084786391       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 14 years of significant time in profession
0144766168 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.51%, max per guidelines is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.
0144766168 1.10.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.51%, max per guidelines is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.
0706657938       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $462,387.77.  Reserves required $4025.50 x 12 = $48,306

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is61.77%, max allowed per G/L is 80%
0967664174       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 60.09%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 exceeds the guidelines minimum.
0071315609 1.29.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current position for 28 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and required minimum is 720.
0816109365 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $169,849.92 or 32.67 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 5 years
0816109365 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $169,849.92 or 32.67 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 5 years
0343074163       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 56.51%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $739,518.87.  Reserves required $7114.64 x 12 = $85,375.58
0185928927       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 809, minimum required is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 16.92% is below guideline requirement of 43% by 26pts
0815902205       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 734 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0315940642       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 750; guidelines allow a minimum Credit Score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 28.66%; guidelines allow a maximum DTI 43.00%.
0626584268 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 67.12%; guidelines maximum allowed LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 17.61%; guidelines allow a maximum DTI 45.00%.
0099579706 12.17.19 - Exception remains. 1.6.20 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $465,539.34 in total assets documented.  Effective amount is $449,094.31, with liquid assets of $424,426.76.  Post close reserves are $134,591.79.  Reserves required $3923.97 x 12 = $47,087.64

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 10 years
0868859047 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.33 % DTI Below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has rented previous residence for 19.92 years
0508790275       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 11 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional documented bonus income not used for qualifying.
0344060624       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit scores exceed guidelines at 806 & 811 with a minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.542% with a max DTI of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 10 years.
0001208260 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $112,442.26 or 35.92 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 31 years
0001208260 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $112,442.26 or 35.92 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 31 years
0541268474       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.33%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 40.87%. Max LTV for this program is 80.00%.
0026750669       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 798; guideline min is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 67.70%, max allowed per G/L is 80%
0928657686       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 290 months reserves. 18 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.78%. Max DTI for this program is 43.00%.
0899544017       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at the current job: 13yrs

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at the current job: 34yrs
0985560599 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 17.52 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.51%; guideline maximum is 43%.
0719944689 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.55% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  65.74 % LTV below guideline max of 80%
0147657870 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 12 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0421702906 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative fico score 801 exceeds the guideline requirements of 720 :81pts

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has significant time at current job 29 years - on leave returned date 12/18/2019
0930880228 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying score of 812.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The co-borrower had additional income in the form of a pension that was not used for qualifying.
0930880228 1.27.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying score of 812.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The co-borrower had additional income in the form of a pension that was not used for qualifying.
0058152232 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.12%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $110,165.35.  Reserves required $3,442.96 x 12 = $41,315.52
0452894588       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 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.
0765906942       CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower is XXXXX, income has been increasing and will continue to increase.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0996703003       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.90 % DTI below guideline max of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned prior residence for 6 years
0504867538       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 721 and 680 is required minimum.
0353664729       CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has history of bonus receipt which was not used in qualifying.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 801 and required minimum is 680.
0022165426 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 748; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.64; guideline maximum is 43.00%.
0476603849       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.40% DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 FICO score exceeds guideline requirement of 720
0904068300       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 789; guidelines allow a minimum Credit Score 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV/CLTV 50.36%/68.55%; guidelines allow a maximum LTV/CLTV 80.00%.
0157661859 1.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 12YRS

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 792  exceeds guidelines 720 by 72 pts
0157661859 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 12YRS

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 792  exceeds guidelines 720 by 72 pts
0901127013 1.8.20 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 809 and required minimum is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0268204072 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with employer for 12 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.80%. Max DTI for this program is 43.00%.
0607938872 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 16 months reserves. 6 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.60%. Max DTI for this program is 43.00%.
0607938872 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 16 months reserves. 6 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.60%. Max DTI for this program is 43.00%.
0251366063 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.77%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $54599.26 or 13.34 months, guidelines require 12 months PITIA .
0251366063 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.77%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $54599.26 or 13.34 months, guidelines require 12 months PITIA .
0111309815       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 22 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $182,643.71.  12mo reserves or $64,148.52 required.
0909385115       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $174,761.23.  Reserves required $8331.42 x 12 = $99,977.04

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 18 years
0230876099       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.97%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 10 years.
0815122729 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is  680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.11%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $156,437.12 or 45.30 months, guidelines require 12 months PITIA .
0815122729 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is  680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.11%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $156,437.12 or 45.30 months, guidelines require 12 months PITIA .
0234935183       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $1,595,115.29 exceeds guidelines by $1,534,066.49.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower's time at current job of 258 months exceeds the 24-month requirement by 258 months.
0364070754       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 813 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years of significant time in profession
0208857959 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 717 is 37 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2's time at current job of 219 months exceeds the 24-month requirement by 195 months.
0556108109 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 36 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.46% DTI below guideline max of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has own primary residence for 5.69 years
0958095313 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.77%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years.
0958095313 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.77%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years.
0968138324       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 778 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.85% and maximum allowed is 43%.
0083631836       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 779 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.25% and maximum allowed is 43%.
0187804075 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 807 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 45 years
0187804075 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 807 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 45 years
0187804075 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 807 exceeds guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 45 years
0319689882 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.62% and maximum allowed is 43%.
0319689882 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.62% and maximum allowed is 43%.
0984830018       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 798 max allowed per G/L is 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.62% is 7.84 points below the maximum allowable DTI OF 43%
0018303136 1.23.20 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $333,179.29. Reserves required $5236.39 x 12 = $62,836.68

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.86%,max allowed per G/L is 43%
0662886586 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 787 is 107 points above the minimum required score of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 30 years experience in profession.
0986070720 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score  of 764 exceeds guideline

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Postive mortgage payment history: 24 months
0671024568       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 13 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $297,710 or 49.66 months PITI, lender guidelines require 12 months PITIA reserves.
0763148211 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.55%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $409,864.31.  Reserves required $5,638.78 x 12 = $67,665.36
0763148211 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.55%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $409,864.31.  Reserves required $5,638.78 x 12 = $67,665.36
0773753551 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 802; guidelines allow a  minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.08%; guidelines allow a maximum DTI 43.00%.
0140445664 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $535,809.10 or 53.92 months PITIA

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report dated XXXX shows 60 months reviewed mortgage history zero lates
0797371696 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.34% is below maximum of 43%
0093686180       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.45% DTI below guidelines max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 years
0856387850 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 82 months reserves. 18 months required for this program.
0055159590 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2's time at current job of 148 months exceeds the 24-month requirement by 124 months.
0959870484 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 778 and required minimum is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 11 years.
0022492955 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.85 % DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 29 years
0466758776 1.24.20 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2: Has significant time in profession: 15yrs

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $550,736.52.  Reserves required $10,465.20 x 12 = $125,582.40
0374366226       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 785.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years of service with current employer.
0876142093       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 774 is 94 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $375,045.97 exceeds guidelines by $306,423.85.
0377624368       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 820; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $301,435.69.  12mo reserves or $90,613.80 required.
0851791024       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.95 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.78 % LTV below guideline max of 80%
0255608843       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years of significant time in profession
0005133636 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.84% below guideline requirement of 43% by 17.16%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 19 years
0005133636 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.84% below guideline requirement of 43% by 17.16%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 19 years
0964238483       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 746 exceeds guidelines
0671407785 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for 12 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 796, minimum required per G/L is 680.
0671407785 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for 12 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 796, minimum required per G/L is 680.
0122510339 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $199,037.18.  Reserves required $62,413.92 (12 x $5201.16).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.63%.  Maximum DTI per guidelines is 43%.
0175566725 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $48,951.96- Post closing reserves =$220,375

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 rep FICO score exceed guideline minimum.
0018527973 1.15.20 - Exception remains.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 816; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $152,610.67.  12mo reserves or $86,679.12 required.
0613793483 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 22YRS

CFCFS2854: Significant time in profession
- Clayton Comments:  B1: Significant time in profession 22YRS
0010875977       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit scores exceed guidelines at 762 & 747 with the minimum required credit score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 6 years.
0023372168       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 804; Minimum for program is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $71,877.73.  12mo reserves or $34,743.96 required.
0277751122       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.00%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score. Min required per guidelines is 700.
0821363247       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 790; guideline min is 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 21 years.
0006912855       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $433,376.27.  Reserves required $5,519.17 x 12 = $66,230.04

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 20 years.
0521327965       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 775 is 95 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years experience in profession.
0093579564       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 769 with minimum credit score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.
0965850801 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82,452.19.  Reserves required $4443.65 x 12 = $53,323.80

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 5 years
0965850801 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82,452.19.  Reserves required $4443.65 x 12 = $53,323.80

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 5 years
0965850801 1.13.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82,452.19.  Reserves required $4443.65 x 12 = $53,323.80

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 5 years
0976782492       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 812 is 132 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 25 years experience in profession.
0234547373       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years of significant time in profession
0524683555       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 69.98%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 788; guidelines allow a minimum Credit Score 740.
0914204211 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 796; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.84%; guideline max is 40.00%.
0712759027 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.82%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.19%; guideline maximum is 80%.
0401476490 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $77,701.88.  Reserves required $4638.29 x 12 = $55,659.48

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 10 years
0401476490 1.13.20 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $77,701.88.  Reserves required $4638.29 x 12 = $55,659.48

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 10 years
0095833943       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score 780; Minimum for program 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $576,494.76.  Per program guidelines, 12mo PITI/PL  required or $142,450.92.
0816774845 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 759 with the minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 26.24% with a max DTI of 43%.
0258295534 1.7.20 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.74% max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  811 qualifying score. Min required per guidelines is 680.
0010099466       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $115,459.47, Reserves $5202.56 x 12 = $62,430.72

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 17 years
0485705017       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.32 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  62.76 % LTV below guideline max of 80%
0685437658 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 61.64%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 782; guidelines allow a minimum Credit Score 680.
0444657526 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 777 and required minimum is 680.
0507360747       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 9 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.63%; guideline maximum is 43%.
0618189265 1.21.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 9yrs

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 38.33%, max allowed per G/L is 43%
0880979505 12.6.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 764 and minimum required is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 12 years.
0880979505 12.6.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 764 and minimum required is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 12 years.
0880979505 12.04.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 764 and minimum required is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 12 years.
0965487541 10.28.19 - Exception Remains.12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.66%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 793. Minimum credit score for this program is 720.
0403916254       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $85,383.37  or 20.60 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.80% below guideline requirement of 43% by 19.20%
0438036478 10.15.2019 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 811; guidelines allow a minimum Credit Score 740.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.37%; guidelines maximum allowed DTI 43.00%.
0438036478 10.21.19 - Exception Remains.11.25.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 811; guidelines allow a minimum Credit Score 740.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.37%; guidelines maximum allowed DTI 43.00%.
0438036478 10.15.2019 - Exception Satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 811; guidelines allow a minimum Credit Score 740.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.37%; guidelines maximum allowed DTI 43.00%.
0727718994 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 52.50%. Max LTV for this program is 80.00%.
0727718994 10.21.19 - Exception Remains.12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 52.50%. Max LTV for this program is 80.00%.
0810101652 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $82,055.13 or 22.44 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.51% below guideline requirement of 43% by 20.49%
0810101652 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $82,055.13 or 22.44 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.51% below guideline requirement of 43% by 20.49%
0440498012       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.54%; Maximum DTI per guidelines is 43%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Consolidation of 1st and 2nd mortgage reduced Principal and Interest on 1st Mortgage from $5797 to $4873 ($924 on 1st and $685 on HELOC totaling $1609 in savings).
0341142506       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.4 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.22%; guideline maximum is 43%.
0195032226 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.06% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.50% LTV below guideline max of 80%
0195032226 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.06% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.50% LTV below guideline max of 80%
0422987993 11.27.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $535,586.68 or 118.37 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.07% below guideline requirement of 43% by 8.93%
0740805450 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $198,685.36.  Reserves required $4531.20 x 12 = $54,374.40

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 5 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.33%, max allowed per G/L is 80%
0740805450 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $198,685.36.  Reserves required $4531.20 x 12 = $54,374.40

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 5 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.33%, max allowed per G/L is 80%
0467552849 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.23%, max allowed per G/L is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 71.21%, max allowed per G/L is 80%
0473788700 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.14%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 8.9 years.
0473788700 1.15.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.14%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 8.9 years.
0525586982 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing funds $321,714.26.  Required reserves is $5759.97 x 12 = $69,119.64.
0525586982 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing funds $321,714.26.  Required reserves is $5759.97 x 12 = $69,119.64.
0535637755       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $187,105.52 or 43.28 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.31% below guideline requirement of 43% by 16.69%
0078585915 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82,149.90.  Reserves required $4259.23 x 12 = $45,114.60

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.22%, max allowed per G/L is 43%
0078585915 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82,149.90.  Reserves required $4259.23 x 12 = $45,114.60

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.22%, max allowed per G/L is 43%
0858806510 (No Data) Non-Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus YTD 10/15/19 $92,500 + 2018  $95500 + 2017 $83125 / 33.5 = $8093.00;

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been on current job for 13 years.
0878012448 12.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 65.57%; guidelines allow a maximum LTV 85.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.02%; guidelines allow a maximum DTI 43.00%.
0878012448 12.2.19 - Exception satisfied.  Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 65.57%; guidelines allow a maximum LTV 85.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.02%; guidelines allow a maximum DTI 43.00%.
0878012448 (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 65.57%; guidelines allow a maximum LTV 85.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.02%; guidelines allow a maximum DTI 43.00%.
0590079733 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 753 and minimum required is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 9 years.
0590079733 11.11.19 - Exception Remains.12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 753 and minimum required is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 9 years.
0651609645 (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for over 7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid credit score of 802 exceeds the guideline requirement.
0240082252 12.6.19 - Exception Satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $529,871.62 or 90.45 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 18 years
0701039260 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.58%; guideline maximum is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has had 0x30 Credit History for the past 24 months.
0701039260 11.15.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.58%; guideline maximum is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has had 0x30 Credit History for the past 24 months.
0701039260 11.15.19 - Exception Remains.11.26.19 - Exception Satisfied. Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.58%; guideline maximum is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has had 0x30 Credit History for the past 24 months.
0680996247       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been XXX with the same business for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 720.
0677771726 10.21.19 - Exception Remains.11.27.19 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 51.94%. Max LTV for this program is 80.00%.
0876755308 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.79%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 102 months reserves. 24 months required for this program.
0932506863       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.45%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 41 months reserves. 24 months required for this program.
0169960444       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 428 months reserves. 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.61%. Max DTI for this program is 43.00%.
0625251146 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  13.19 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43.70 % LTV below guideline max of 80%
0625251146 (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  13.19 % DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  43.70 % LTV below guideline max of 80%
0521318659 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 13 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 765 is 85 points above the minimum required score of 680.
0803838618       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 12 years.
0358141789       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $46,958.42.  Reserves required $3118.35 x 12 = $37,420.20

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798 credit score exceeds guidelines max of 720
0757119637       CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence: 20YRS

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession:30YRS
0974061124 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.18% below guideline requirement of 43% by 13.82%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $274,328.99 or 43.47 months PITI
0699749187       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline  max 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 years
0203951540       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 55.56%; guidelines allow a maximum LTV 80.00%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 28.53%; guidelines allow a maximum DTI 43.00%.
0449841787       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 8 years 7 months

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.15% below guideline requirement of 70% by 23.85%
0890273348 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close funds are $153,692.18; required reserves are $5896.00 x 12 = $70,752.00.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 791 and minimum required is 700.
0597352845 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 72.52%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 804; guidelines allow a minimum Credit Score 700.
0198039643 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years experience in profession.
0198039643 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 16 years experience in profession.
0164039335       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 753 exceeds guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 13.60%; guideline maximum is 43.00%.
0806651973 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 801; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 40.83%; guidelines allow a maximum DTI 43.00%.
0806651973 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 801; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 40.83%; guidelines allow a maximum DTI 43.00%.
0970744433       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job: 32years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1:   significant time in profession : 22yrs
0441337763       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.78%; guideline maximum is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative credit score is 786.
0764437650 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.92% and maximum allowed is 43%.
0764437650 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.92% and maximum allowed is 43%.
0764437650 12.17.19 - Exception remains. 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.92% and maximum allowed is 43%.
0275391095 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $85,547.56 or 16.24 months PITIA

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 12 years
0754517462       CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Post close reserves are $239,135.62.  Reserves required $5976.45 x 12 = $71,717.40

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $400,397.22.  Reserves required $5976.45 x 12 = $71,717.40
0063801178       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing funds $597,073.69.  Required reserves is $4042.47 x 12 = $48,509.64.
0323743636       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 11 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Both borrowers have history of receipt of bonus income which was not used in qualifying.
0554485894       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 799 exceeds guidelines
0562351227       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the Same profession for 10 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 14.2 years.
0863428446       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 39 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 in profession for 20 years.Borrower 2 in profession for 35 years.
0971466510 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in the profession for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0027459270 12.18.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $387,396.05 or 74.70 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 20 years
0171713300 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.90% DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with job for 9 years
0556411328 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 qualifying score. Min required per guidelines is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 69.96%; max allowed per guidelines is 80%.
0820670342       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 780; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $627,433.45.  Per program guidelines, 12mo PITI/PL  required or $52,147.32.
0098308885       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing funds $74,023.34.  Required reserves is $3533.75 x 12 = $42,405.
0081978157 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $391,740.38.  Reserves required $4998.73 x 12 = $59,984.76

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.96%, max allowed per G/L is 43%
0843711947       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have owned previous residence for 25 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co - Borrower has been with employer for 25 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 exceeds guidelines
0512318878 12.17.19 - Exception remains. 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned the departing residence for the past 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as the XXX for the past 7.5 years.
0719452152       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower median credit score is 805; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.86%; guideline maximum is 43.00%.
0032470149 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.26%; guideline maximum is 43%.
0032470149 1.27.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.26%; guideline maximum is 43%.
0761782952 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.88%, max allowed per G/L is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 813 exceeds guidelines 720 by 93 pts
0646803606       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.89% below maximum of 43%

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 806.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has financed multiple mortgages with no late payments noted.
0912257341       CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence at 9 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant rime at current job with 15.3 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 759 with the minimum credit score of 720.
0990557435       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.20%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 791. Minimum credit score for this program is 700.
0594766390       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.31%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24.32 months PITI reserves verified, max per guidelines is 12 months
0723888838 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32% below guideline requirement 43% by 11 pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 12 years
0986735726 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 790 exceeds guideline

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been with same employer for 8 years.
0690898587       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $593,826.49.  Reserves required $84,213.84 (12 x $7017.82).

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on current job for 18 years and 1 month. Subject acquired XXXX.
0394145910 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.79 % DTI below guideline max 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 10 years
0394145910 12.17.19 - Exception remains. 12.17.19 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.79 % DTI below guideline max 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 10 years
0222794979 (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.88% DTI below guidelines max of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer for 8 years
0222794979 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.88% DTI below guidelines max of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer for 8 years
0222794979 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.88% DTI below guidelines max of 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with employer for 8 years
0251132442       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 23 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $200,944.52.  Reserves required $4053.26 x 12 = $48,639.12
0534552028 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been in current job for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 800 and required minimum is 700.
0082093234       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been in current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804 and minimum required is 700.
0044212683 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirements at 27.78% with a max DTI of 43%.
0044212683 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirements at 27.78% with a max DTI of 43%.
0044212683 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirements at 27.78% with a max DTI of 43%.
0959709394 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current Employer for 9.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current Employer for 8.2 years.
0626855629 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $255,718.50.  Reserves required $3931.82 x 12 = $47,181.84

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 14 years
0341506483 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.29 % DTI below guideline max of 45%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co - borrower has been employed with current employer for 10 years
0341506483 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.29 % DTI below guideline max of 45%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co - borrower has been employed with current employer for 10 years
0695519720 1.28.20 - Exception remains. 1.29.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Sore 817; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 37.48%; guidelines allow a maximum DTI 43.00%.
0251533995       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower median credit score is 762; guideline min 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.54%; guideline max is 43.00%.
0237319903       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 18 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $241,111.87.  Reserves required $6,000.01 x 12 = $72,000.12
0643750103       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 784 and minimum required is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays and no derogatory ratings.
0287631238       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $199,906.66 or 50.29 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.10% below guideline requirement of 43% by 22.9%
0607663044 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 29 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 700.
0928765202       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and required minimum is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 9 years.
0667541972 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $89,804.85 exceeds the required 12 months $37,513.68  requirement

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job : 10yrs
0301184777       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 qualifying score. Min required per guidelines is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 50.77%; max allowed per guidelines is 80%.
0563323943       CFCFS2860: Good credit history
- Clayton Comments:  Borrower has over 22 years of excellent pay history

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 187 months reserves
0382714497       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 786; minimum score is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 19.74%; guideline max is 43.00%.
0277332355 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.50 % DTI below guideline max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  19 months verified cash reserves exceed guideline requirements of 12 months
0277332355 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.50 % DTI below guideline max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  19 months verified cash reserves exceed guideline requirements of 12 months
0962527166 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.17%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 74.19%. Max LTV for this program is 80.00%.
0673980487       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $184,420.04.  Reserves required $8,706.02 x 12 = $104,472.24

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 21 years
0266515179       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 15 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 15.4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 788 & 794 with minimum credit scores of 680.
0971358115 12.24.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.16%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 39 months reserves. 12 months required for this program.
0697509000 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum FICO of 700 is required. Borrower FICO 794

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.27%  - Maximum LTV 80%
0674897472 1.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 803.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 income not used to qualify. 2018  transcripts reflect significant income for b2.
0718779227 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The Borrowers have good credit with a qualifying representative score of 801.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  The Borrowers have 167 months of positive mortgage history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-Borrower has 5 years of service with current employer.
0718779227 (No Data) Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The Borrowers have good credit with a qualifying representative score of 801.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  The Borrowers have 167 months of positive mortgage history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-Borrower has 5 years of service with current employer.
0718779227 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The Borrowers have good credit with a qualifying representative score of 801.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  The Borrowers have 167 months of positive mortgage history.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co-Borrower has 5 years of service with current employer.
0324560397       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 789; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 18.71%; guidelines allow a maximum DTI 43.00%.
0180291554       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $372,820.94 or 26.71 months PITI
0619683032 12.24.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 26 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been in current job for 25 years.
0377191041 12.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.75%. Max LTV for this program is 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.03%. Max DTI for this program is 43%.
0377191041 1.24.20 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.75%. Max LTV for this program is 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.03%. Max DTI for this program is 43%.
0377191041 12.26.19 - Exception Satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.75%. Max LTV for this program is 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.03%. Max DTI for this program is 43%.
0418881151 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 19.98%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same profession for 5 years.
0379583377       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 800 and 700 is minimum requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $231,302.88; required reserves are $3455.51 x 12 = $41,466.12.
0768638937 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 784; guidelines allow a minimum Credit Score 740.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 35.59%; guidelines allow a maximum DTI 43.00%.
0879865295       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0267698799       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 799; guideline minimum is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.5%; guideline max is 43.00%.
0399338078       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 786, minimum required per G/L is 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $297,382.28 in total assets documented.  Effective amount is $234,034.80, with liquid assets of $139,013.57  Post close reserves are $107,264.14.  Reserves required $3227.31 x12 = $38,727.72

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.08%, max allowed per G/L is 43%
0624329693       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.10%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $591,012.43.  Reserves required $4,898.29 x 12 = $58,779.48
0425294685       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 811; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 35.16%; guidelines allow a maximum DTI 43.00%.
0606028194       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 796; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 37.40%; guidelines allow a maximum DTI 43.00%.
0389755835 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.75 % DTI below guideline max 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0826952032 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $259,439.78 or 70.03 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 13 years 8 months
0826952032 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $259,439.78 or 70.03 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 13 years 8 months
0686174159       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 43.63%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.95%. Max LTV for this program is 43.00%.
0182091561 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.68%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $211,755.85  Reserves required $4716.35 x 12 = $56,596.20
0714903998       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 816 is 136 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower's time at current job of 144 months exceeds the 24-month requirement by 120 months.
0788717197       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid qualifying score 807 exceeds guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 11 years
0122255129 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.05%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 792. Minimum credit score for this program is 700.
0122255129 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.05%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 792. Minimum credit score for this program is 700.
0187609707       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession or 12 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $116,234.56.  Reserves required $5,880.05 x 12 = $70,560.60
0718534155       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower  has good credit history with no late pays and no derogatory ratings.
0882737066 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $253,546.38 or 43.95 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.30% below guideline requirement of 43% by 10.7%
0915882780       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $127,609.48 or 21.34 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.84% below guideline requirement of 43% by 15.16%
0877548086 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 747; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.69%; guideline max is 43.00%.
0746741449 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 791 is 111 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 5 years experience in profession.
0818477693 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 36 years of significant time in profession
0904867182 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 801 and minimum required is 720.
0312903772 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 798; guideline minimum 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.89%, guideline max is 43.00%.
0599919253 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has significant time at current job: 13yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 784 exceeds guidelines 720 by 64 pts
0552280674       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and required minimum is 720.
0940550226       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 18 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income not used to qualify.
0391992663 (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years of significant time in profession
0282510922       CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned previous residence for 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 768, minimum required is 720
0801051701 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $52,101.07.  Reserves required $3149.16 x 12 = $37,789.92

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.42%, max allowed per G/L is 43%
0801051701 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $52,101.07.  Reserves required $3149.16 x 12 = $37,789.92

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.42%, max allowed per G/L is 43%
0481341063       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 6+ years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $178,900.00.  12mo reserves or $61,869.60 required.
0985710633 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $247,473.38.  12mo reserves or $77,319.24 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 798; Minimum for program is 700.
0940802390 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 31 months reserves. 6 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.29%. Max DTI for this program is 43.00%.
0469133639 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 796; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 23.35%; guidelines allow a maximum DTI 43.00%.
0832258379 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 31 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 812 and required minimum is 700.
0832258379 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 31 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 812 and required minimum is 700.
0731355143 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 764 and minimum required is 700.
0200266742       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.80%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.71%. Max LTV for this program is 80.00%.
0167864087       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $399,017.87.  12mo reserves or $67,356.48 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 752; Minimum for program is 700.
0290190209 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 10.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.82%; guideline maximum is 43%.
0290190209 1.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 10.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.82%; guideline maximum is 43%.
0290190209 1.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 10.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.82%; guideline maximum is 43%.
0290190209 1.21.20 - Exception satisfied.  Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 10.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.82%; guideline maximum is 43%.
0439150390 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.32 % DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 credit score exceed guideline
0439150390 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.32 % DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 credit score exceed guideline
0141371111       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.17% below guideline requirement of 43% by 16.83%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 7 years 11 months
0896609983       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,562,086.32.  Reserves required $5290.80 x 12 = $63,489.60

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 20 years
0971482414       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 median score exceeds min guideline score of 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.17% DTI < 43% max DTI
0104214693 1.8.20 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.96% below guideline requirement of 43% by 23.04%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $157,835.13 or 32.97 months PTIA. Guidelines require 12 months PITIA.
0383323003       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 63%.  Maximum LTV per guidelines is 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves $181,233.05.  Reserves required $82,467.48 (12 x $6872.29).
0753332998 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 73.98%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 804; guidelines allow a minimum Credit Score 700.
0095035871 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.67 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline max of 80%
0095035871 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.67 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline max of 80%
0095035871 (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.67 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below guideline max of 80%
0329977612       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $528,792.03.  Per program guidelines, 12mo PITI/PL  required or $34,490.08.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 809; Minimum for program is 700.
0359256513       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 775; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 31.35%; guidelines allow a maximum DTI 43.00%.
0030018549       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 34.00%; guidelines allow a maximum DTI 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 700.
0806792266       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,617,215.91.  Reserves required $10,911.43 x 12 = $130,937.16
0479215471 1.29.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.47%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 782. Minimum credit score for this program is 700
0291891921       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.24%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 96 months reserves. 18 months required for this program.
0593038273       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $497,553.51. Reserves required $4,775.09 X 12=$57,301.08

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  5 years with current employer
0793398114 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative fico score 813 above required mid fico score 720 above 93pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 significant time in profession: 12years
0793398114 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative fico score 813 above required mid fico score 720 above 93pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 significant time in profession: 12years
0793398114 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative fico score 813 above required mid fico score 720 above 93pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 significant time in profession: 12years
0793398114 1.24.20 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative fico score 813 above required mid fico score 720 above 93pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 significant time in profession: 12years
0793398114 1.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers representative fico score 813 above required mid fico score 720 above 93pts

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 significant time in profession: 12years
0913096778       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $659,685.36 or 121.48 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.28% below guideline requirement of 43% by 18.72%
0432425021       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $284,050.36.  Per program guidelines, 12mo PITI/PL  required or $53,522.28.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 795; Minimum for program is 700.
0646340304       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 94 months reserves. 6 months required for this program.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 39%. Max LTV for this program is 43%.
0107362383 1.29.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 796 and minimum required is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $221,730.25; required reserves $6601.97 x 12 = $79,223.64.
0250596078 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 809; guidelines allow a minimum Credit Score 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 70.00%; guidelines allow a maximum LTV 80.00%.
0291992517       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 18.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.12%; guideline maximum is 43%.
0085472386       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $253,203.96. Required reserves $8352.81 X 12 = $100,233.72

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FIC is 770, minimum required per G/L is 720
0389451731       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $1,099,531.23.  12mo reserves or $64,258.08 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score is 770; Minimum for program is 700.
0398030215       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 employed at current job 10 years 6 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $220,031.55.  Reserves required $7899.57 x 12 = $94,794.84
0353124190       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.07%. Max DTI for this program is 43.00%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 77.62%. Max LTV 80.00%.
0039178981       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.11%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 6.2 years.
0023279116       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.34%, max allowed per G/L is 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for more than 6 years
0298522684       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 785; guideline minimum is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9 years.
0539716991       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $43,502.52- Verified $150,128.02

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.33%- Max LTV 80%
0665162323       CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 17 years of significant time in profession
0193474187       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.35% DTI below guideline max of 43%
0013897029       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 786 is 106 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $113,187.94 exceeds guidelines by $53,832.94.
0095553373       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.15%; guideline maximum is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 23 years.
0079875983 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 781; guideline minimum 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer 12 years.
0079875983 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 781; guideline minimum 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer 12 years.
0777908292 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $154,545.37 Reserves required $6452.38 x 12= $77,428.56

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 14 years
0394154944 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 773; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 38.78%; guidelines allow a maximum DTI 43.00%.
0713503984       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.39% DTI below guideline max of 45%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co- borrower has been on current job for 11 years
0846244857 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.45% DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 credit score exceed guideline requirement of 680
0381027075       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.77%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $423,048.81.  Reserves required $4625.64 x 12 = $55,507.68
0257126042 12.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.90%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower earns additional RSU not used to qualify.
0257126042 12.30.19 - Exception satisfied.  Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.90%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower earns additional RSU not used to qualify.
0768832501       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.24%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 51.60%. Max LTV for this program is 80.00%.
0650881741       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 700.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 10 years of excellent mortgage payment history
0087095125 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  749 qualifying score. Min required per guidelines is 680

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years of significant time in profession
0925912563       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 median score/ 700 min score

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  72.24% LTV/80% max LTV
0010161112       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.45% DTI below guideline max of 45%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in her work profession for 22 years
0632717809       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.58%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $213,158.10.  Reserves required $5750.78 x 12 = $69,009.36
0784661645 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 75.00%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 792; guidelines allow a minimum Credit Score 700.
0312750052 1.29.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 799; guideline min is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.34; guideline max is 43.00%.
0625035775       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.96% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  76.46 % LTV below guideline max of 80%
0248933078 1.27.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $166,809.04Reserves required $3014.60 x 12 = $36,175.20

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 6 years
0046114585 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 20 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  748 qualifying score. Min required per guidelines is 700.
0046114585 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 20 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  748 qualifying score. Min required per guidelines is 700.
0107577209       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 776 is 96 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.52% is 19.48 points below the maximum required of 43%.
0407287199       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.76 is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 qualifying score. Min required per guidelines is 700.

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-2
Start - End Dates: 11/2018 TO 2/2020
Deal Loan Count: 584
   
                                           
Conditions Report 2.0                                      
                                           
Loans in Report: 584                                      
Loans with Conditions: 294                                      

 

Alt Loan Number TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade
0874264434 Yes XXXXXX XXXXXX A A A A A
0655793227 Yes XXXXXX XXXXXX A A A A A
0971346852 Yes XXXXXX XXXXXX A A A A A
0740366376 Yes XXXXXX XXXXXX C B C B A
0508893554 Yes XXXXXX XXXXXX A A A A A
0146623882 Yes XXXXXX XXXXXX B B B B A
0634884110 Yes XXXXXX XXXXXX A A A A A
0295901565 Yes XXXXXX XXXXXX A A A A A
0046552185 Yes XXXXXX XXXXXX A A A A A
0083917578 Yes XXXXXX XXXXXX A A A A A
0593829226 Yes XXXXXX XXXXXX A A A A A
0833674778 Yes XXXXXX XXXXXX C A A A A
0160724347 Yes XXXXXX XXXXXX A A A A A
0714100774 Yes XXXXXX XXXXXX A A A A A
0845241945 Yes XXXXXX XXXXXX A A A A A
0468241167 Yes XXXXXX XXXXXX A A A A A
0224967066 Yes XXXXXX XXXXXX B B B B A
0884493495 Yes XXXXXX XXXXXX A A A A A
0603758634 Yes XXXXXX XXXXXX A A A A A
0410064059 Yes XXXXXX XXXXXX D B D B A
0628088672 Yes XXXXXX XXXXXX A A A A A
0100985056 Yes XXXXXX XXXXXX A A A A A
0980952397 Yes XXXXXX XXXXXX A A A A A
0826699658 Yes XXXXXX XXXXXX B B B B A
0198698646 Yes XXXXXX XXXXXX A A A A A
0351358758 Yes XXXXXX XXXXXX A A A A A
0503764081 Yes XXXXXX XXXXXX A A A A A
0666840166 Yes XXXXXX XXXXXX A A A A A
0669737689 Yes XXXXXX XXXXXX C B A A A
0010533153 Yes XXXXXX XXXXXX B B A A A
0382730242 Yes XXXXXX XXXXXX B B A A A
0605380941 Yes XXXXXX XXXXXX B B B B A
0572034281 Yes XXXXXX XXXXXX A A A A A
0364012147 Yes XXXXXX XXXXXX A A A A A
0782961994 Yes XXXXXX XXXXXX D B D B A
0946928088 Yes XXXXXX XXXXXX B B B B A
0818158072 Yes XXXXXX XXXXXX C A A A A
0748266519 Yes XXXXXX XXXXXX C B B B A
0042889937 Yes XXXXXX XXXXXX C A A A C
0872937814 Yes XXXXXX XXXXXX A A A A A
0993908312 Yes XXXXXX XXXXXX C B A A A
0058466192 Yes XXXXXX XXXXXX D A D A A
0558278558 Yes XXXXXX XXXXXX A A A A A
0836687425 Yes XXXXXX XXXXXX B B B B A
0379185347 Yes XXXXXX XXXXXX B B B B A
0770701466 Yes XXXXXX XXXXXX B B B B A
0993721368 Yes XXXXXX XXXXXX A A A A A
0312609376 Yes XXXXXX XXXXXX A A A A A
0056458537 Yes XXXXXX XXXXXX B B B B A
0902304409 Yes XXXXXX XXXXXX A A A A A
0950745959 Yes XXXXXX XXXXXX A A A A A
0563987393 Yes XXXXXX XXXXXX A A A A A
0821759494 Yes XXXXXX XXXXXX A A A A A
0710732992 Yes XXXXXX XXXXXX C B A A A
0495523954 Yes XXXXXX XXXXXX A A A A A
0785535238 Yes XXXXXX XXXXXX A A A A A
0151786499 Yes XXXXXX XXXXXX A A A A A
0309268957 Yes XXXXXX XXXXXX A A A A A
0957830087 Yes XXXXXX XXXXXX A A A A A
0726326333 Yes XXXXXX XXXXXX A A A A A
0139538054 Yes XXXXXX XXXXXX A A A A A
0680682524 Yes XXXXXX XXXXXX A A A A A
0023327504 Yes XXXXXX XXXXXX A A A A A
0870525869 Yes XXXXXX XXXXXX C B A A A
0365758782 Yes XXXXXX XXXXXX B B A A A
0183539719 Yes XXXXXX XXXXXX A A A A A
0632260032 Yes XXXXXX XXXXXX A A A A A
0337568653 Yes XXXXXX XXXXXX A A A A A
0522939699 Yes XXXXXX XXXXXX A A A A A
0244390166 Yes XXXXXX XXXXXX A A A A A
0658567299 Yes XXXXXX XXXXXX D A D A A
0595964109 Yes XXXXXX XXXXXX D A D A A
0512766603 Yes XXXXXX XXXXXX D A D A A
0886145358 Yes XXXXXX XXXXXX A A A A A
0039065727 Yes XXXXXX XXXXXX A A A A A
0089634107 Yes XXXXXX XXXXXX C A C A A
0899466323 Yes XXXXXX XXXXXX C A A A A
0920697723 Yes XXXXXX XXXXXX D B B B A
0363552090 Yes XXXXXX XXXXXX D A B A A
0521254034 Yes XXXXXX XXXXXX D A A A A
0263183483 Yes XXXXXX XXXXXX A A A A A
0816092323 Yes XXXXXX XXXXXX C A A A C
0647959900 Yes XXXXXX XXXXXX B B B B A
0773662001 Yes XXXXXX XXXXXX B B A A A
0415612415 Yes XXXXXX XXXXXX A A A A A
0669355009 Yes XXXXXX XXXXXX A A A A A
0415184437 Yes XXXXXX XXXXXX A A A A A
0917139318 Yes XXXXXX XXXXXX A A A A A
0124132366 Yes XXXXXX XXXXXX A A A A A
0860564300 Yes XXXXXX XXXXXX C B B B C
0284367868 Yes XXXXXX XXXXXX D B D A A
0091862916 Yes XXXXXX XXXXXX C A A A A
0198048155 Yes XXXXXX XXXXXX A A A A A
0901686227 Yes XXXXXX XXXXXX D B D B A
0230421721 Yes XXXXXX XXXXXX A A A A A
0449297471 Yes XXXXXX XXXXXX B B B B A
0780213503 Yes XXXXXX XXXXXX D A B A A
0156876551 Yes XXXXXX XXXXXX B B B B A
0565535970 Yes XXXXXX XXXXXX B B A A A
0619671192 Yes XXXXXX XXXXXX A A A A A
0537260535 Yes XXXXXX XXXXXX C A C A A
0311589547 Yes XXXXXX XXXXXX C A A A A
0363550151 Yes XXXXXX XXXXXX D A D A A
0161967285 Yes XXXXXX XXXXXX A A A A A
0902022757 Yes XXXXXX XXXXXX A A A A A
0511162958 Yes XXXXXX XXXXXX A A A A A
0061624823 Yes XXXXXX XXXXXX A A A A A
0518759130 Yes XXXXXX XXXXXX A A A A A
0258635314 Yes XXXXXX XXXXXX A A A A A
0518890745 Yes XXXXXX XXXXXX A A A A A
0601160700 Yes XXXXXX XXXXXX C A A A A
0290107440 Yes XXXXXX XXXXXX A A A A A
0984185839 Yes XXXXXX XXXXXX D B B B A
0793815866 Yes XXXXXX XXXXXX A A A A A
0623459196 Yes XXXXXX XXXXXX B B A A A
0281483266 Yes XXXXXX XXXXXX B B A A A
0614571207 Yes XXXXXX XXXXXX B B B B A
0693069447 Yes XXXXXX XXXXXX A A A A A
0243797782 Yes XXXXXX XXXXXX B B A A A
0533246836 Yes XXXXXX XXXXXX A A A A A
0484769264 Yes XXXXXX XXXXXX B B B B A
0991182989 Yes XXXXXX XXXXXX A A A A A
0388028859 Yes XXXXXX XXXXXX B B B B A
0520606070 Yes XXXXXX XXXXXX A A A A A
0053884599 Yes XXXXXX XXXXXX A A A A A
0572381003 Yes XXXXXX XXXXXX D A D A A
0419737042 Yes XXXXXX XXXXXX A A A A A
0600586085 Yes XXXXXX XXXXXX B B B B A
0674570489 Yes XXXXXX XXXXXX D A B A A
0082791792 Yes XXXXXX XXXXXX A A A A A
0966544125 Yes XXXXXX XXXXXX A A A A A
0870408547 Yes XXXXXX XXXXXX A A A A A
0365356107 Yes XXXXXX XXXXXX A A A A A
0942128995 Yes XXXXXX XXXXXX C B C B A
0593595395 Yes XXXXXX XXXXXX C A A A A
0526016709 Yes XXXXXX XXXXXX D A D A A
0847339322 Yes XXXXXX XXXXXX A A A A A
0129589759 Yes XXXXXX XXXXXX D A D A A
0718645568 Yes XXXXXX XXXXXX A A A A A
0926205199 Yes XXXXXX XXXXXX D B B B D
0491490608 Yes XXXXXX XXXXXX A A A A A
0642615404 Yes XXXXXX XXXXXX A A A A A
0950079417 Yes XXXXXX XXXXXX A A A A A
0176132344 Yes XXXXXX XXXXXX A A A A A
0611537100 Yes XXXXXX XXXXXX A A A A A
0493099874 Yes XXXXXX XXXXXX A A A A A
0581297547 Yes XXXXXX XXXXXX D A D A A
0879758129 Yes XXXXXX XXXXXX A A A A A
0301562552 Yes XXXXXX XXXXXX A A A A A
0613744471 Yes XXXXXX XXXXXX A A A A A
0351267887 Yes XXXXXX XXXXXX A A A A A
0945263059 Yes XXXXXX XXXXXX A A A A A
0991338984 Yes XXXXXX XXXXXX A A A A A
0182340071 Yes XXXXXX XXXXXX A A A A A
0289392663 Yes XXXXXX XXXXXX A A A A A
0983076152 Yes XXXXXX XXXXXX A A A A A
0333824635 Yes XXXXXX XXXXXX C B B B A
0569995019 Yes XXXXXX XXXXXX D A B A A
0051569573 Yes XXXXXX XXXXXX A A A A A
0963415685 Yes XXXXXX XXXXXX B B A A A
0955937264 Yes XXXXXX XXXXXX A A A A A
0139336740 Yes XXXXXX XXXXXX C B A A A
0577229284 Yes XXXXXX XXXXXX D A D A A
0819971454 Yes XXXXXX XXXXXX B B B B A
0430386864 Yes XXXXXX XXXXXX A A A A A
0788976212 Yes XXXXXX XXXXXX C A A A A
0401899722 Yes XXXXXX XXXXXX A A A A A
0868343203 Yes XXXXXX XXXXXX D B B A A
0636846092 Yes XXXXXX XXXXXX A A A A A
0768816663 Yes XXXXXX XXXXXX A A A A A
0633708857 Yes XXXXXX XXXXXX A A A A A
0706585544 Yes XXXXXX XXXXXX A A A A A
0032856897 Yes XXXXXX XXXXXX A A A A A
0469036000 Yes XXXXXX XXXXXX A A A A A
0259195322 Yes XXXXXX XXXXXX A A A A A
0233588768 Yes XXXXXX XXXXXX C A C A A
0778524050 Yes XXXXXX XXXXXX A A A A A
0374708686 Yes XXXXXX XXXXXX A A A A A
0800656283 Yes XXXXXX XXXXXX B B A A A
0519785422 Yes XXXXXX XXXXXX B B B B A
0297778582 Yes XXXXXX XXXXXX A A A A A
0894481671 Yes XXXXXX XXXXXX C B A A A
0275718333 Yes XXXXXX XXXXXX A A A A A
0215380832 Yes XXXXXX XXXXXX A A A A A
0788742852 Yes XXXXXX XXXXXX A A A A A
0193185172 Yes XXXXXX XXXXXX A A A A A
0527793964 Yes XXXXXX XXXXXX A A A A A
0257424185 Yes XXXXXX XXXXXX A A A A A
0751464326 Yes XXXXXX XXXXXX C A A A A
0782363688 Yes XXXXXX XXXXXX A A A A A
0052092561 Yes XXXXXX XXXXXX C A A A A
0745627701 Yes XXXXXX XXXXXX B B A A A
0014372153 Yes XXXXXX XXXXXX A A A A A
0096545912 Yes XXXXXX XXXXXX A A A A A
0281298553 Yes XXXXXX XXXXXX A A A A A
0534307291 Yes XXXXXX XXXXXX C B A A A
0328703547 Yes XXXXXX XXXXXX A A A A A
0873015295 Yes XXXXXX XXXXXX C B B B C
0687131751 Yes XXXXXX XXXXXX C A A A A
0887639066 Yes XXXXXX XXXXXX A A A A A
0679400505 Yes XXXXXX XXXXXX C A A A A
0254916112 Yes XXXXXX XXXXXX C A C A A
0558789619 Yes XXXXXX XXXXXX A A A A A
0520708701 Yes XXXXXX XXXXXX A A A A A
0375159285 Yes XXXXXX XXXXXX A A A A A
0736987985 Yes XXXXXX XXXXXX A A A A A
0846437790 Yes XXXXXX XXXXXX D A B A A
0687283342 Yes XXXXXX XXXXXX A A A A A
0072327923 Yes XXXXXX XXXXXX A A A A A
0336238831 Yes XXXXXX XXXXXX A A A A A
0817778950 Yes XXXXXX XXXXXX B B A A A
0614776708 Yes XXXXXX XXXXXX B B B B A
0140076705 Yes XXXXXX XXXXXX A A A A A
0114604669 Yes XXXXXX XXXXXX B B B B A
0188143053 Yes XXXXXX XXXXXX A A A A A
0802038592 Yes XXXXXX XXXXXX A A A A A
0927704998 Yes XXXXXX XXXXXX A A A A A
0404270748 Yes XXXXXX XXXXXX A A A A A
0957692929 Yes XXXXXX XXXXXX A A A A A
0355970426 Yes XXXXXX XXXXXX A A A A A
0365542606 Yes XXXXXX XXXXXX B B A A A
0881227705 Yes XXXXXX XXXXXX C B B B A
0985919442 Yes XXXXXX XXXXXX B B B B A
0792875623 Yes XXXXXX XXXXXX A A A A A
0721034174 Yes XXXXXX XXXXXX A A A A A
0086922470 Yes XXXXXX XXXXXX B B A A A
0725036319 Yes XXXXXX XXXXXX A A A A A
0080148108 Yes XXXXXX XXXXXX A A A A A
0476723649 Yes XXXXXX XXXXXX C C A A C
0649229235 Yes XXXXXX XXXXXX A A A A A
0781688259 Yes XXXXXX XXXXXX A A A A A
0799564818 Yes XXXXXX XXXXXX A A A A A
0429170657 Yes XXXXXX XXXXXX A A A A A
0506243601 Yes XXXXXX XXXXXX A A A A A
0166750930 Yes XXXXXX XXXXXX A A A A A
0191709590 Yes XXXXXX XXXXXX A A A A A
0099898847 Yes XXXXXX XXXXXX C A A A A
0581355890 Yes XXXXXX XXXXXX B B B B A
0229267316 Yes XXXXXX XXXXXX A A A A A
0331184310 Yes XXXXXX XXXXXX A A A A A
0708102241 Yes XXXXXX XXXXXX A A A A A
0634334593 Yes XXXXXX XXXXXX A A A A A
0783415233 Yes XXXXXX XXXXXX A A A A A
0848381448 Yes XXXXXX XXXXXX A A A A A
0062289887 Yes XXXXXX XXXXXX A A A A A
0647136633 Yes XXXXXX XXXXXX D A A A D
0984705645 Yes XXXXXX XXXXXX C B B B A
0650983906 Yes XXXXXX XXXXXX D A D A A
0751257036 Yes XXXXXX XXXXXX A A A A A
0663663919 Yes XXXXXX XXXXXX A A A A A
0944311195 Yes XXXXXX XXXXXX A A A A A
0151408430 Yes XXXXXX XXXXXX A A A A A
0370543033 Yes XXXXXX XXXXXX A A A A A
0859810000 Yes XXXXXX XXXXXX A A A A A
0210676456 Yes XXXXXX XXXXXX A A A A A
0194157748 Yes XXXXXX XXXXXX C A A A A
0007875351 Yes XXXXXX XXXXXX A A A A A
0615230024 Yes XXXXXX XXXXXX A A A A A
0037865525 Yes XXXXXX XXXXXX A A A A A
0535134091 Yes XXXXXX XXXXXX A A A A A
0909085827 Yes XXXXXX XXXXXX A A A A A
0289698118 Yes XXXXXX XXXXXX C B A A A
0390984890 Yes XXXXXX XXXXXX A A A A A
0753794045 Yes XXXXXX XXXXXX D B D B A
0735770180 Yes XXXXXX XXXXXX A A A A A
0175910260 Yes XXXXXX XXXXXX A A A A A
0789509725 Yes XXXXXX XXXXXX B B B B A
0389215607 Yes XXXXXX XXXXXX A A A A A
0044776384 Yes XXXXXX XXXXXX A A A A A
0012361670 Yes XXXXXX XXXXXX C B C B A
0550109460 Yes XXXXXX XXXXXX A A A A A
0147457889 Yes XXXXXX XXXXXX D A D A A
0527333393 Yes XXXXXX XXXXXX A A A A A
0642708852 Yes XXXXXX XXXXXX A A A A A
0148112476 Yes XXXXXX XXXXXX A A A A A
0365773081 Yes XXXXXX XXXXXX B B B B A
0831552619 Yes XXXXXX XXXXXX A A A A A
0657552809 Yes XXXXXX XXXXXX A A A A A
0056133568 Yes XXXXXX XXXXXX A A A A A
0036470894 Yes XXXXXX XXXXXX A A A A A
0488401510 Yes XXXXXX XXXXXX B B A A A
0711947910 Yes XXXXXX XXXXXX A A A A A
0195766046 Yes XXXXXX XXXXXX C B C B A
0690994517 Yes XXXXXX XXXXXX C A A A A
0375423366 Yes XXXXXX XXXXXX A A A A A
0293853808 Yes XXXXXX XXXXXX A A A A A
0084786391 Yes XXXXXX XXXXXX A A A A A
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0343074163 Yes XXXXXX XXXXXX A A A A A
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0626584268 Yes XXXXXX XXXXXX A A A A A
0099579706 Yes XXXXXX XXXXXX C B A A A
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0508790275 Yes XXXXXX XXXXXX A A A A A
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0001208260 Yes XXXXXX XXXXXX B B B B A
0541268474 Yes XXXXXX XXXXXX A A A A A
0026750669 Yes XXXXXX XXXXXX A A A A A
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0504867538 Yes XXXXXX XXXXXX A A A A A
0353664729 Yes XXXXXX XXXXXX A A A A A
0022165426 Yes XXXXXX XXXXXX C A A A A
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0904068300 Yes XXXXXX XXXXXX A A A A A
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0268204072 Yes XXXXXX XXXXXX A A A A A
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0251366063 Yes XXXXXX XXXXXX B B B B A
0111309815 Yes XXXXXX XXXXXX A A A A A
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0083631836 Yes XXXXXX XXXXXX A A A A A
0187804075 Yes XXXXXX XXXXXX D A D A A
0319689882 Yes XXXXXX XXXXXX B B B B A
0984830018 Yes XXXXXX XXXXXX A A A A A
0018303136 Yes XXXXXX XXXXXX C A A A A
0662886586 Yes XXXXXX XXXXXX C A C A A
0986070720 Yes XXXXXX XXXXXX C A A A A
0671024568 Yes XXXXXX XXXXXX A A A A A
0763148211 Yes XXXXXX XXXXXX A A A A A
0773753551 Yes XXXXXX XXXXXX A A A A A
0140445664 Yes XXXXXX XXXXXX A A A A A
0797371696 Yes XXXXXX XXXXXX B B B B A
0093686180 Yes XXXXXX XXXXXX A A A A A
0856387850 Yes XXXXXX XXXXXX A A A A A
0055159590 Yes XXXXXX XXXXXX A A A A A
0959870484 Yes XXXXXX XXXXXX A A A A A
0022492955 Yes XXXXXX XXXXXX A A A A A
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0374366226 Yes XXXXXX XXXXXX A A A A A
0876142093 Yes XXXXXX XXXXXX A A A A A
0377624368 Yes XXXXXX XXXXXX A A A A A
0851791024 Yes XXXXXX XXXXXX A A A A A
0255608843 Yes XXXXXX XXXXXX A A A A A
0005133636 Yes XXXXXX XXXXXX D A D A A
0964238483 Yes XXXXXX XXXXXX A A A A A
0671407785 Yes XXXXXX XXXXXX B B B B A
0122510339 Yes XXXXXX XXXXXX A A A A A
0175566725 Yes XXXXXX XXXXXX A A A A A
0018527973 Yes XXXXXX XXXXXX B B B B A
0613793483 Yes XXXXXX XXXXXX A A A A A
0010875977 Yes XXXXXX XXXXXX A A A A A
0023372168 Yes XXXXXX XXXXXX A A A A A
0277751122 Yes XXXXXX XXXXXX A A A A A
0821363247 Yes XXXXXX XXXXXX A A A A A
0006912855 Yes XXXXXX XXXXXX A A A A A
0521327965 Yes XXXXXX XXXXXX A A A A A
0093579564 Yes XXXXXX XXXXXX A A A A A
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0976782492 Yes XXXXXX XXXXXX A A A A A
0234547373 Yes XXXXXX XXXXXX A A A A A
0524683555 Yes XXXXXX XXXXXX A A A A A
0914204211 Yes XXXXXX XXXXXX A A A A A
0712759027 Yes XXXXXX XXXXXX A A A A A
0401476490 Yes XXXXXX XXXXXX C A A A A
0095833943 Yes XXXXXX XXXXXX A A A A A
0816774845 Yes XXXXXX XXXXXX A A A A A
0258295534 Yes XXXXXX XXXXXX C A A A A
0010099466 Yes XXXXXX XXXXXX A A A A A
0485705017 Yes XXXXXX XXXXXX A A A A A
0685437658 Yes XXXXXX XXXXXX A A A A A
0444657526 Yes XXXXXX XXXXXX A A A A A
0507360747 Yes XXXXXX XXXXXX A A A A A
0618189265 Yes XXXXXX XXXXXX D A A A A
0880979505 Yes XXXXXX XXXXXX D A B A A
0965487541 Yes XXXXXX XXXXXX C B A A A
0403916254 Yes XXXXXX XXXXXX A A A A A
0438036478 Yes XXXXXX XXXXXX D A D A A
0727718994 Yes XXXXXX XXXXXX C B A A A
0810101652 Yes XXXXXX XXXXXX A A A A A
0440498012 Yes XXXXXX XXXXXX A A A A A
0341142506 Yes XXXXXX XXXXXX A A A A A
0195032226 Yes XXXXXX XXXXXX A A A A A
0422987993 Yes XXXXXX XXXXXX C A A A A
0740805450 Yes XXXXXX XXXXXX A A A A A
0467552849 Yes XXXXXX XXXXXX B B B B A
0473788700 Yes XXXXXX XXXXXX C A A A C
0525586982 Yes XXXXXX XXXXXX C B A A A
0535637755 Yes XXXXXX XXXXXX A A A A A
0078585915 Yes XXXXXX XXXXXX B B A A A
0858806510 Yes XXXXXX XXXXXX B B A A A
0878012448 Yes XXXXXX XXXXXX C B A A A
0590079733 Yes XXXXXX XXXXXX D B A A A
0651609645 Yes XXXXXX XXXXXX B B A A A
0240082252 Yes XXXXXX XXXXXX C B A A A
0701039260 Yes XXXXXX XXXXXX C B A A A
0680996247 Yes XXXXXX XXXXXX A A A A A
0677771726 Yes XXXXXX XXXXXX C B A A A
0876755308 Yes XXXXXX XXXXXX A A A A A
0932506863 Yes XXXXXX XXXXXX A A A A A
0169960444 Yes XXXXXX XXXXXX A A A A A
0625251146 Yes XXXXXX XXXXXX C B A A A
0521318659 Yes XXXXXX XXXXXX A A A A A
0803838618 Yes XXXXXX XXXXXX A A A A A
0358141789 Yes XXXXXX XXXXXX A A A A A
0757119637 Yes XXXXXX XXXXXX A A A A A
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0699749187 Yes XXXXXX XXXXXX A A A A A
0203951540 Yes XXXXXX XXXXXX A A A A A
0449841787 Yes XXXXXX XXXXXX A A A A A
0890273348 Yes XXXXXX XXXXXX B B A A A
0597352845 Yes XXXXXX XXXXXX A A A A A
0198039643 Yes XXXXXX XXXXXX D B D A A
0164039335 Yes XXXXXX XXXXXX A A A A A
0806651973 Yes XXXXXX XXXXXX A A A A A
0970744433 Yes XXXXXX XXXXXX A A A A A
0441337763 Yes XXXXXX XXXXXX A A A A A
0764437650 Yes XXXXXX XXXXXX C B A A A
0275391095 Yes XXXXXX XXXXXX A A A A A
0754517462 Yes XXXXXX XXXXXX A A A A A
0063801178 Yes XXXXXX XXXXXX A A A A A
0323743636 Yes XXXXXX XXXXXX A A A A A
0554485894 Yes XXXXXX XXXXXX A A A A A
0562351227 Yes XXXXXX XXXXXX A A A A A
0863428446 Yes XXXXXX XXXXXX A A A A A
0971466510 Yes XXXXXX XXXXXX A A A A A
0027459270 Yes XXXXXX XXXXXX D A D A A
0171713300 Yes XXXXXX XXXXXX A A A A A
0556411328 Yes XXXXXX XXXXXX A A A A A
0820670342 Yes XXXXXX XXXXXX A A A A A
0098308885 Yes XXXXXX XXXXXX A A A A A
0081978157 Yes XXXXXX XXXXXX B B A A A
0843711947 Yes XXXXXX XXXXXX A A A A A
0512318878 Yes XXXXXX XXXXXX C A A A A
0719452152 Yes XXXXXX XXXXXX A A A A A
0032470149 Yes XXXXXX XXXXXX D A D A A
0761782952 Yes XXXXXX XXXXXX D A A A A
0646803606 Yes XXXXXX XXXXXX A A A A A
0912257341 Yes XXXXXX XXXXXX A A A A A
0990557435 Yes XXXXXX XXXXXX A A A A A
0594766390 Yes XXXXXX XXXXXX A A A A A
0723888838 Yes XXXXXX XXXXXX A A A A A
0986735726 Yes XXXXXX XXXXXX A A A A A
0690898587 Yes XXXXXX XXXXXX A A A A A
0394145910 Yes XXXXXX XXXXXX C B A A A
0222794979 Yes XXXXXX XXXXXX B B A A A
0251132442 Yes XXXXXX XXXXXX A A A A A
0534552028 Yes XXXXXX XXXXXX A A A A A
0082093234 Yes XXXXXX XXXXXX A A A A A
0044212683 Yes XXXXXX XXXXXX B B B B A
0959709394 Yes XXXXXX XXXXXX C A A A A
0626855629 Yes XXXXXX XXXXXX B B A A A
0341506483 Yes XXXXXX XXXXXX A A A A A
0695519720 Yes XXXXXX XXXXXX C A A A A
0251533995 Yes XXXXXX XXXXXX A A A A A
0237319903 Yes XXXXXX XXXXXX A A A A A
0643750103 Yes XXXXXX XXXXXX A A A A A
0287631238 Yes XXXXXX XXXXXX A A A A A
0607663044 Yes XXXXXX XXXXXX A A A A A
0928765202 Yes XXXXXX XXXXXX A A A A A
0667541972 Yes XXXXXX XXXXXX A A A A A
0301184777 Yes XXXXXX XXXXXX A A A A A
0563323943 Yes XXXXXX XXXXXX A A A A A
0382714497 Yes XXXXXX XXXXXX A A A A A
0277332355 Yes XXXXXX XXXXXX B B B B A
0962527166 Yes XXXXXX XXXXXX A A A A A
0673980487 Yes XXXXXX XXXXXX A A A A A
0266515179 Yes XXXXXX XXXXXX A A A A A
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0697509000 Yes XXXXXX XXXXXX B B A A A
0674897472 Yes XXXXXX XXXXXX C A A A A
0718779227 Yes XXXXXX XXXXXX B B B B A
0324560397 Yes XXXXXX XXXXXX A A A A A
0180291554 Yes XXXXXX XXXXXX A A A A A
0619683032 Yes XXXXXX XXXXXX C A A A A
0377191041 Yes XXXXXX XXXXXX D A D A A
0418881151 Yes XXXXXX XXXXXX B B A A A
0379583377 Yes XXXXXX XXXXXX A A A A A
0768638937 Yes XXXXXX XXXXXX A A A A A
0879865295 Yes XXXXXX XXXXXX A A A A A
0267698799 Yes XXXXXX XXXXXX A A A A A
0399338078 Yes XXXXXX XXXXXX A A A A A
0624329693 Yes XXXXXX XXXXXX A A A A A
0425294685 Yes XXXXXX XXXXXX A A A A A
0606028194 Yes XXXXXX XXXXXX A A A A A
0389755835 Yes XXXXXX XXXXXX A A A A A
0826952032 Yes XXXXXX XXXXXX B B B B A
0686174159 Yes XXXXXX XXXXXX A A A A A
0182091561 Yes XXXXXX XXXXXX A A A A A
0714903998 Yes XXXXXX XXXXXX A A A A A
0788717197 Yes XXXXXX XXXXXX A A A A A
0122255129 Yes XXXXXX XXXXXX A A A A A
0187609707 Yes XXXXXX XXXXXX A A A A A
0718534155 Yes XXXXXX XXXXXX A A A A A
0882737066 Yes XXXXXX XXXXXX A A A A A
0915882780 Yes XXXXXX XXXXXX A A A A A
0877548086 Yes XXXXXX XXXXXX A A A A A
0746741449 Yes XXXXXX XXXXXX A A A A A
0818477693 Yes XXXXXX XXXXXX A A A A A
0904867182 Yes XXXXXX XXXXXX A A A A A
0312903772 Yes XXXXXX XXXXXX A A A A A
0599919253 Yes XXXXXX XXXXXX A A A A A
0552280674 Yes XXXXXX XXXXXX A A A A A
0940550226 Yes XXXXXX XXXXXX A A A A A
0391992663 Yes XXXXXX XXXXXX A A A A A
0282510922 Yes XXXXXX XXXXXX A A A A A
0801051701 Yes XXXXXX XXXXXX A A A A A
0481341063 Yes XXXXXX XXXXXX A A A A A
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0940802390 Yes XXXXXX XXXXXX A A A A A
0469133639 Yes XXXXXX XXXXXX A A A A A
0832258379 Yes XXXXXX XXXXXX B B A A A
0731355143 Yes XXXXXX XXXXXX A A A A A
0200266742 Yes XXXXXX XXXXXX A A A A A
0167864087 Yes XXXXXX XXXXXX A A A A A
0290190209 Yes XXXXXX XXXXXX C A A A A
0439150390 Yes XXXXXX XXXXXX A A A A A
0141371111 Yes XXXXXX XXXXXX A A A A A
0896609983 Yes XXXXXX XXXXXX A A A A A
0971482414 Yes XXXXXX XXXXXX A A A A A
0104214693 Yes XXXXXX XXXXXX C A A A A
0383323003 Yes XXXXXX XXXXXX A A A A A
0753332998 Yes XXXXXX XXXXXX A A A A A
0095035871 Yes XXXXXX XXXXXX B B A A A
0329977612 Yes XXXXXX XXXXXX A A A A A
0359256513 Yes XXXXXX XXXXXX A A A A A
0030018549 Yes XXXXXX XXXXXX A A A A A
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0291891921 Yes XXXXXX XXXXXX A A A A A
0593038273 Yes XXXXXX XXXXXX A A A A A
0793398114 Yes XXXXXX XXXXXX D A D A A
0913096778 Yes XXXXXX XXXXXX A A A A A
0432425021 Yes XXXXXX XXXXXX A A A A A
0646340304 Yes XXXXXX XXXXXX A A A A A
0107362383 Yes XXXXXX XXXXXX D A A A A
0250596078 Yes XXXXXX XXXXXX B B A A A
0291992517 Yes XXXXXX XXXXXX A A A A A
0085472386 Yes XXXXXX XXXXXX A A A A A
0389451731 Yes XXXXXX XXXXXX A A A A A
0398030215 Yes XXXXXX XXXXXX A A A A A
0353124190 Yes XXXXXX XXXXXX A A A A A
0039178981 Yes XXXXXX XXXXXX A A A A A
0023279116 Yes XXXXXX XXXXXX A A A A A
0298522684 Yes XXXXXX XXXXXX A A A A A
0539716991 Yes XXXXXX XXXXXX A A A A A
0665162323 Yes XXXXXX XXXXXX A A A A A
0193474187 Yes XXXXXX XXXXXX A A A A A
0013897029 Yes XXXXXX XXXXXX A A A A A
0095553373 Yes XXXXXX XXXXXX A A A A A
0079875983 Yes XXXXXX XXXXXX A A A A A
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0394154944 Yes XXXXXX XXXXXX A A A A A
0713503984 Yes XXXXXX XXXXXX A A A A A
0846244857 Yes XXXXXX XXXXXX A A A A A
0381027075 Yes XXXXXX XXXXXX A A A A A
0257126042 Yes XXXXXX XXXXXX C A A A A
0768832501 Yes XXXXXX XXXXXX A A A A A
0650881741 Yes XXXXXX XXXXXX A A A A A
0087095125 Yes XXXXXX XXXXXX A A A A A
0925912563 Yes XXXXXX XXXXXX A A A A A
0010161112 Yes XXXXXX XXXXXX A A A A A
0632717809 Yes XXXXXX XXXXXX A A A A A
0784661645 Yes XXXXXX XXXXXX A A A A A
0312750052 Yes XXXXXX XXXXXX D A A A A
0625035775 Yes XXXXXX XXXXXX A A A A A
0248933078 Yes XXXXXX XXXXXX D A A A A
0046114585 Yes XXXXXX XXXXXX A A A A A
0107577209 Yes XXXXXX XXXXXX A A A A A
0407287199 Yes XXXXXX XXXXXX A A A A A

 

Alt Loan Number Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade 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
0874264434 A A A A A A A A A A A
0655793227 A A A A A A A A A A A
0971346852 A A A A A A A A A A A
0740366376 A A A C B C B A A A A
0508893554 A A A A A A A A A A A
0146623882 A A A B B B B A A A A
0634884110 A A A A A A A A A A A
0295901565 A A A A A A A A A A A
0046552185 A A A A A A A A A A A
0083917578 A A A A A A A A A A A
0593829226 A A A A A A A A A A A
0833674778 A C A C A A A A A C A
0160724347 A A A A A A A A A A A
0714100774 A A A A A A A A A A A
0845241945 A A A A A A A A A A A
0468241167 A A A A A A A A A A A
0224967066 A A A B B B B A A A A
0884493495 A A A A A A A A A A A
0603758634 A A A A A A A A A A A
0410064059 A A A D B D B A A A A
0628088672 A A A A A A A A A A A
0100985056 A A A A A A A A A A A
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0826699658 A A A B B B B A A A A
0198698646 A A A A A A A A A A A
0351358758 A A A A A A A A A A A
0503764081 A A A A A A A A A A A
0666840166 A A A A A A A A A A A
0669737689 A C B C B A A A A C B
0010533153 A B B B B A A A A B B
0382730242 A B B B B A A A A B B
0605380941 A A A B B B B A A A A
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0782961994 A D A D B D B A A D A
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0818158072 A C A C A A A A A C A
0748266519 A C A C B B B A A C A
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0056458537 A A A B B B B A A A A
0902304409 A A A A A A A A A A A
0950745959 A A A A A A A A A A A
0563987393 A A A A A A A A A A A
0821759494 A A A A A A A A A A A
0710732992 A C B C B A A A A C B
0495523954 A A A A A A A A A A A
0785535238 A A A A A A A A A A A
0151786499 A A A A A A A A A A A
0309268957 A A A A A A A A A A A
0957830087 A A A A A A A A A A A
0726326333 A A A A A A A A A A A
0139538054 A A A A A A A A A A A
0680682524 A A A A A A A A A A A
0023327504 A A A A A A A A A A A
0870525869 A C B C B A A A A C B
0365758782 A B B B B A A A A B B
0183539719 A A A A A A A A A A A
0632260032 A A A A A A A A A A A
0337568653 A A A A A A A A A A A
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0244390166 A A A A A A A A A A A
0658567299 A D A D A D A A A D A
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0512766603 A D A D A D A A A D A
0886145358 A A A A A A A A A A A
0039065727 A A A A A A A A A A A
0089634107 A A A C A C A A A A A
0899466323 A C A C A A A A A C A
0920697723 A D A D B B B A A D A
0363552090 A D A D A B A A A D A
0521254034 A D A D A A A A A D A
0263183483 A A A A A A A A A A A
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0647959900 A A A B B B B A A A A
0773662001 A B B B B A A A A B B
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0198048155 A A A A A A A A A A A
0901686227 A D A D B D B A A D A
0230421721 A A A A A A A A A A A
0449297471 A A A B B B B A A A A
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0156876551 A A A B B B B A A A A
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0537260535 A A A C A C A A A A A
0311589547 A C A C A A A A A C A
0363550151 A D A D A D A A A D A
0161967285 A A A A A A A A A A A
0902022757 A A A A A A A A A A A
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0258635314 A A A A A A A A A A A
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0290107440 A A A A A A A A A A A
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0793815866 A A A A A A A A A A A
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0533246836 A A A A A A A A A A A
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0991182989 A A A A A A A A A A A
0388028859 A A A B B B B A A A A
0520606070 A A A A A A A A A A A
0053884599 A A A A A A A A A A A
0572381003 A A A D A D A A A A A
0419737042 A A A A A A A A A A A
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0674570489 A D A D A B A A A D A
0082791792 A A A A A A A A A A A
0966544125 A A A A A A A A A A A
0870408547 A A A A A A A A A A A
0365356107 A A A A A A A A A A A
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0593595395 A C A C A A A A A C A
0526016709 A D A D A D A A A D A
0847339322 A A A A A A A A A A A
0129589759 A A A D A D A A A A A
0718645568 A A A A A A A A A A A
0926205199 A A A D B B B D A A A
0491490608 A A A A A A A A A A A
0642615404 A A A A A A A A A A A
0950079417 A A A A A A A A A A A
0176132344 A A A A A A A A A A A
0611537100 A A A A A A A A A A A
0493099874 A A A A A A A A A A A
0581297547 A A A D A D A A A A A
0879758129 A A A A A A A A A A A
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