EX-99.5 6 tm2029737d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-RR1
Start - End Dates: 4/2017 To 7/2020
Deal Loan Count: 376
         
Conditions Report 2.0
         
Loans in Report: 376
Loans with Conditions: 273

 

258 - Total Active Conditions
  1 - Material Conditions
      1 - Credit Review Scope
        1 - Category: Income/Employment
  257 - Non-Material Conditions
      161 - Credit Review Scope
        74 - Category: Ability to Repay/Qualified Mortgage
        12 - Category: Assets
        13 - Category: Credit/Mtg History
        20 - Category: DTI
        23 - Category: Income/Employment
        3 - Category: Legal Documents
        3 - Category: LTV/CLTV
        13 - Category: Terms/Guidelines
      1 - Property Valuations Review Scope
        1 - Category: FEMA
      95 - Compliance Review Scope
        1 - Category: Borrower's Interest
        2 - Category: Federal Consumer Protection
        14 - Category: RESPA
        14 - Category: Right of Rescission 
        1 - Category: State Consumer Protection
        63 - Category: TILA/RESPA Integrated Disclosure
505 - Total Satisfied Conditions
             
      127 - Credit Review Scope
        5 - Category: Ability to Repay/Qualified Mortgage
        4 - Category: Application
        8 - Category: Assets
        9 - Category: Credit/Mtg History
        13 - Category: DTI
        65 - Category: Income/Employment
        3 - Category: Insurance
        18 - Category: Legal Documents
        2 - Category: Terms/Guidelines
      38 - Property Valuations Review Scope
        14 - Category: Appraisal
        5 - Category: FEMA
        3 - Category: Property
        16 - Category: Value
      340 - Compliance Review Scope
        124 - Category: Ability to Repay/Qualified Mortgage
        11 - Category: Documentation
        1 - Category: Federal Consumer Protection
        11 - Category: Finance Charge Tolerance
        6 - Category: RESPA
        11 - Category: Right of Rescission 
        4 - Category: State Consumer Protection
        1 - Category: State Late Charges
        171 - Category: TILA/RESPA Integrated Disclosure
10 - Total Waived Conditions
             
      10 - Compliance Review Scope
        9 - Category: Federal Consumer Protection
        1 - Category: TILA/RESPA Integrated Disclosure


©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-RR1
Start - End Dates: 4/2017 To 7/2020
Deal Loan Count: 376
       
Conditions Report 2.0
       
Loans in Report: 376
Loans with Conditions: 273

 

Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade
0058093967 XXXXXX OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0058093967 XXXXXX OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0058093967 XXXXXX OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0058093967 XXXXXX OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0460266286 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0460266286 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0460266286 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0460266286 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0460266286 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0345524951 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0345524951 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0905082850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0766781850 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B B
0716875694 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0716875694 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0716875694 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0937384502 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0937384502 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0937384502 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0937384502 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0478365775 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0478365775 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0478365775 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0478365775 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0478365775 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0844239670 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0844239670 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0844239670 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0844239670 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0844239670 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0844239670 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0720118077 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0720118077 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0720118077 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0720118077 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0720118077 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0215673379 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B C
0215673379 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B C
0215673379 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B C
0215673379 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B C
0215673379 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B C
0813172404 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0813172404 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0813172404 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0813172404 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0813172404 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0813172404 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0331144799 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0331144799 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0331144799 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0331144799 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0331144799 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0331144799 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0103440112 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0103440112 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0103440112 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0103440112 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0103440112 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0066248376 XXXXXX OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0066248376 XXXXXX OR Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0845772901 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0917509116 XXXXXX WY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B C
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0808516003 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B B
0681714584 XXXXXX MT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0681714584 XXXXXX MT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0681714584 XXXXXX MT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0681714584 XXXXXX MT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0564024477 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0634340581 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0634340581 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0634340581 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0876017365 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0876017365 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0876017365 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0261449590 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0261449590 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0261449590 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0390206785 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0675741198 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0675741198 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0675741198 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0675741198 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0675741198 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0279313615 XXXXXX ID Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0279313615 XXXXXX ID Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0279313615 XXXXXX ID Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0279313615 XXXXXX ID Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0754880233 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0754880233 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0754880233 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0733283060 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B B
0733283060 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B B
0733283060 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B B
0733283060 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B B
0733283060 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B B
0733283060 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B B
0830874307 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0830874307 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0830874307 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0603856189 XXXXXX HI Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0603856189 XXXXXX HI Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0603856189 XXXXXX HI Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0733482960 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D C C C A
0733482960 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D C C C A
0733482960 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D C C C A
0305768815 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0305768815 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0305768815 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0305768815 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0193295640 XXXXXX ME Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0193295640 XXXXXX ME Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0193295640 XXXXXX ME Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0912035228 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0912035228 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0912035228 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0912035228 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0912035228 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0912035228 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0588980730 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0588980730 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0588980730 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0588980730 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B C B A
0222821814 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0222821814 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0222821814 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0222821814 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0187716302 XXXXXX TN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0187716302 XXXXXX TN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0134859397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0134859397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0134859397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0134859397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0134859397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0134859397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0096927963 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B A A
0096927963 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B A A
0096927963 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B A A
0984351889 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0984351889 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0984351889 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0984351889 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0984351889 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0352386445 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0352386445 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0336019690 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0336019690 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0336019690 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A
0864823692 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0864823692 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0864823692 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0864823692 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0496353559 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B C
0496353559 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B C
0496353559 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B C
0496353559 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B C
0628571176 XXXXXX WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0628571176 XXXXXX WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0628571176 XXXXXX WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0628571176 XXXXXX WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0724929458 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A A
0724929458 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A A
0724929458 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A A
0101123162 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0101123162 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0101123162 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0101123162 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0150952413 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0150952413 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0333468038 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0333468038 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0333468038 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0333468038 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0333468038 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0333468038 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0928143050 XXXXXX PA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0928143050 XXXXXX PA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0928143050 XXXXXX PA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0928143050 XXXXXX PA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0893713685 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0893713685 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0377384031 XXXXXX NV QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0377384031 XXXXXX NV QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0377384031 XXXXXX NV QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0104395200 XXXXXX MA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0104395200 XXXXXX MA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0104395200 XXXXXX MA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0104395200 XXXXXX MA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0866262796 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0866262796 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0866262796 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0408978855 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0408978855 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0525245910 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0525245910 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0525245910 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0451869153 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0281282681 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0281282681 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0281282681 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B C
0086336495 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A A
0086336495 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A A
0710969555 XXXXXX AL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0710969555 XXXXXX AL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0934091468 XXXXXX SC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0934091468 XXXXXX SC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0934091468 XXXXXX SC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0934091468 XXXXXX SC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0409210611 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0409210611 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0409210611 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0409210611 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0939412075 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0939412075 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0939412075 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0340510098 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0340510098 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0389743079 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0389743079 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0389743079 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C B A
0194389717 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0194389717 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0194389717 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0194389717 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0194389717 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B D
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0028699661 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0266736486 XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0216132218 XXXXXX TX QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0216132218 XXXXXX TX QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0738508713 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0738508713 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0738508713 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0816150918 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0816150918 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0816150918 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0816150918 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0816150918 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0816150918 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0807818862 XXXXXX MA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0807818862 XXXXXX MA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0236968332 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0236968332 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0236968332 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0236968332 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0520183751 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0520183751 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0520183751 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0520183751 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0520183751 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0607541062 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0607541062 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0607541062 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0607541062 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0473140064 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0473140064 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0473140064 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0111855447 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0111855447 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0111855447 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0111855447 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0111855447 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0111855447 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0921764266 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0233656945 XXXXXX HI QM: Safe Harbor QM: Safe Harbor C B C B A
0233656945 XXXXXX HI QM: Safe Harbor QM: Safe Harbor C B C B A
0233656945 XXXXXX HI QM: Safe Harbor QM: Safe Harbor C B C B A
0676121309 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0676121309 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0042626327 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0250203100 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A
0981427612 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0627861462 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0039058195 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A
0139644050 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0139644050 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0139644050 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0139644050 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0303224960 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A A A D
0484146170 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0484146170 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0842683133 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B C
0842683133 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B C
0842683133 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B C
0842683133 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B C
0579524202 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A
0579524202 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A
0657971017 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B C
0657971017 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B C
0657971017 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B C
0657971017 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B C
0694690062 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0761832757 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0761832757 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0761832757 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0926935255 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0926935255 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0926935255 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0926935255 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0641544091 XXXXXX HI QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0641544091 XXXXXX HI QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0641544091 XXXXXX HI QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0280634150 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0280634150 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0684792372 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0684792372 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0937766655 XXXXXX NV QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0937766655 XXXXXX NV QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0937766655 XXXXXX NV QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0256333715 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B A
0256333715 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B A
0256333715 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B C B A
0628501373 XXXXXX NM QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0628501373 XXXXXX NM QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0628501373 XXXXXX NM QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0966576986 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0966576986 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0966576986 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0691005003 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0691005003 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0691005003 XXXXXX WA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0107542073 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0107542073 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0242659236 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0991610154 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D
0521593748 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D
0521593748 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D
0521593748 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D
0989966163 XXXXXX LA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0989966163 XXXXXX LA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0989966163 XXXXXX LA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B A
0666871421 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A A
0688749724 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0447571739 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A D A A
0447571739 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A D A A
0284086889 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A A A D
0223411300 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A A A D
0501538580 XXXXXX ID QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0501538580 XXXXXX ID QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0501538580 XXXXXX ID QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0669254856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B A
0288069721 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A
0882055575 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0969405083 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A A A A
0969405083 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A A A A
0964453250 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0960894460 XXXXXX NM QM: Safe Harbor QM: Safe Harbor B B B B A
0960894460 XXXXXX NM QM: Safe Harbor QM: Safe Harbor B B B B A
0686927117 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0858224311 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B A
0858224311 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B A
0151536873 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0594957881 XXXXXX ID QM: Safe Harbor QM: Safe Harbor B B A A A
0594957881 XXXXXX ID QM: Safe Harbor QM: Safe Harbor B B A A A
0594957881 XXXXXX ID QM: Safe Harbor QM: Safe Harbor B B A A A
0181607847 XXXXXX DC QM: Safe Harbor QM: Safe Harbor D A B A A
0181607847 XXXXXX DC QM: Safe Harbor QM: Safe Harbor D A B A A
0561713230 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0580493960 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0359700682 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D
0359700682 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D
0762996387 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0591713842 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0412138716 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B A A A
0708668607 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0359030118 XXXXXX NH QM: Safe Harbor QM: Safe Harbor C B A A C
0359030118 XXXXXX NH QM: Safe Harbor QM: Safe Harbor C B A A C
0359030118 XXXXXX NH QM: Safe Harbor QM: Safe Harbor C B A A C
0963333981 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0963333981 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0963333981 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0637871952 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0637871952 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0089767037 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A A C
0089767037 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A A C
0251271268 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A
0251271268 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A
0782958136 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C
0782958136 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C
0962555915 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0962555915 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B A
0660266447 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B B B D
0660266447 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B B B D
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0515751289 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B B A A
0780847153 XXXXXX IN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0780847153 XXXXXX IN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0780847153 XXXXXX IN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0780847153 XXXXXX IN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0344082665 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A
0799137988 XXXXXX HI QM: Safe Harbor QM: Safe Harbor B B B B A
0799137988 XXXXXX HI QM: Safe Harbor QM: Safe Harbor B B B B A
0255092108 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0255092108 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0255092108 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0255092108 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0394335880 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0046496761 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D A D A A
0046496761 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D A D A A
0046496761 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D A D A A
0046496761 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D A D A A
0635699069 XXXXXX KS QM: Safe Harbor QM: Safe Harbor A A A A A
0921535455 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0694875724 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A
0694875724 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A
0694875724 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A
0888046046 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A
0888046046 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A
0537102789 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B D
0537102789 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B D
0537102789 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B D
0537102789 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B D
0537102789 XXXXXX MN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B D
0230199731 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B A A A A
0194649465 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0403429564 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0211614348 XXXXXX PA QM: Safe Harbor QM: Safe Harbor B B A A A
0211614348 XXXXXX PA QM: Safe Harbor QM: Safe Harbor B B A A A
0800590972 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A
0396365775 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0180177789 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0073103433 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0689922795 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0689922795 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0826233931 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0061694363 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A
0061694363 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A
0965394786 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B A A A A
0848744571 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A A
0848744571 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A A
0848744571 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A A
0848744571 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A A
0648135165 XXXXXX ID QM: Safe Harbor QM: Safe Harbor C A A A A
0464301204 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A
0182854453 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A
0067071770 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0197614680 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0752300735 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A
0140292003 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0484482818 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A
0098578479 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0159247599 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0298538035 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A
0471586929 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A A A A
0246986674 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0246986674 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0007203024 XXXXXX DE QM: Safe Harbor QM: Safe Harbor A A A A A
0802874812 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A
0738319626 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A
0596300967 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D A D A A
0066074404 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A
0066074404 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A
0066074404 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A
0083957083 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0083957083 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0480258643 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A
0432802722 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0451121628 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A
0094132506 XXXXXX NJ QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0094132506 XXXXXX NJ QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0094132506 XXXXXX NJ QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0094132506 XXXXXX NJ QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0440515802 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C A A A C
0166991701 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0275916197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A
0275916197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A
0381780907 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0931852002 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0931852002 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0931852002 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0931852002 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0931852002 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0931852002 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0622759677 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B B B A
0622759677 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B B B A
0503667682 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C A A
0503667682 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C A A
0503667682 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C A A
0503667682 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C A A
0503667682 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C A A
0025840879 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0163875355 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A A
0163875355 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A A
0163875355 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A A
0084072021 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0522418689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0522418689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0290396992 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A B A A
0290396992 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A B A A
0313726905 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0344461168 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B A
0119488030 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A
0660983732 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0719668371 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0641359241 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0876846986 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0539656690 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0532953627 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B A
0268459998 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A A
0268459998 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A A
0268459998 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A A
0268459998 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A A
0401987927 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0804083355 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A A A A
0804083355 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A A A A
0864858405 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C A A A A
0864858405 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C A A A A
0100949224 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0850150329 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0316023138 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0296538185 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0296538185 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0403270653 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0403270653 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0403270653 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0841468619 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A
0410491377 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A A A
0410491377 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B A A A
0207936843 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A
0560535952 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A
0482575337 XXXXXX IL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0482575337 XXXXXX IL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0482575337 XXXXXX IL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0768971662 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B C B A
0768971662 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B C B A
0768971662 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B C B A
0341377262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0318454281 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A
0831939988 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0658303941 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A A
0627253037 XXXXXX WY QM: Safe Harbor QM: Safe Harbor A A A A A
0549888506 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A
0173045918 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0353041815 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0757546012 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0617931850 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0264969075 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0368390685 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B A A D
0368390685 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B A A D
0368390685 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B A A D
0834531294 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0663428205 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0663428205 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0663428205 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0663428205 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0663428205 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0091618772 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A
0091618772 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A
0091618772 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A
0470510698 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A A A C
0470510698 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A A A C
0505661185 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0790925236 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A
0831742939 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A A A C
0831742939 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A A A C
0581075467 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B A A A
0249769406 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0137336864 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0017125999 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0717406474 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0636552460 XXXXXX NC QM: Safe Harbor QM: Safe Harbor B B A A A
0442954178 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0999103751 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0999103751 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0999103751 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0999103751 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A
0090892025 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A
0090892025 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A
0090892025 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A
0480694729 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0054379439 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C B A A A
0650760614 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B A A A
0558552479 XXXXXX MI QM: Safe Harbor QM: Safe Harbor B B A A A
0558552479 XXXXXX MI QM: Safe Harbor QM: Safe Harbor B B A A A
0615216745 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0969540472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0435920438 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0232235806 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0817191353 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0559177597 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0289510648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A
0289510648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A
0289510648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A
0289510648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A
0289510648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A
0450726039 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A
0258714939 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C B A A B
0258714939 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C B A A B
0250548693 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A
0171061835 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0729022797 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0337422317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A
0051094872 XXXXXX ID QM: Safe Harbor QM: Safe Harbor A A A A A
0845100918 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0845100918 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0342155449 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B A
0342155449 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B A
0063192927 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0063192927 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0390562360 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0390562360 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0390562360 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0390562360 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0390562360 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0240659592 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0240659592 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0240659592 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0514673504 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0226574930 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A
0209095290 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A
0403566133 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A A A A
0403566133 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A A A A
0466520950 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A
0164581982 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A
0245862531 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0245862531 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0329094540 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A
0115444143 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0115444143 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0115444143 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0078936277 XXXXXX RI QM: Safe Harbor QM: Safe Harbor B B A A A
0464946580 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A
0464946580 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A
0787874378 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0749872960 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A
0800793629 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A
0244418964 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0537119098 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0047212998 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0574495436 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0384786138 XXXXXX TN QM: Safe Harbor QM: Safe Harbor A A A A A
0091508207 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A
0167463397 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0723630152 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A
0035185220 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D A D A A
0035185220 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D A D A A
0035185220 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D A D A A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0880824314 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0332545785 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A A A A
0332545785 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A A A A
0332545785 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A A A A
0332545785 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A A A A
0332545785 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A A A A
0332545785 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A A A A
0707724360 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0231397221 XXXXXX OH QM: Safe Harbor QM: Safe Harbor A A A A A
0231397221 XXXXXX OH QM: Safe Harbor QM: Safe Harbor A A A A A
0513837122 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0516400659 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0583613742 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A
0744968800 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0739184622 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0147781271 XXXXXX TN QM: Safe Harbor QM: Safe Harbor B B A A A
0874861426 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A C
0874861426 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A C
0758125974 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0355973759 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A
0277997495 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0558392377 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A
0618494993 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A
0857508060 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A
0153317789 XXXXXX VA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0153317789 XXXXXX VA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0153317789 XXXXXX VA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0153317789 XXXXXX VA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0421376891 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0140539176 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0389716084 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A
0389716084 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A
0498812963 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A
0498812963 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A
0498812963 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A
0116856370 XXXXXX DC QM: Safe Harbor QM: Safe Harbor C A A A A
0571066766 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A A
0211948619 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0211948619 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0147394809 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A
0606642899 XXXXXX IA QM: Safe Harbor QM: Safe Harbor D A A A D
0548724404 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0548724404 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0548724404 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0548724404 XXXXXX FL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B D B A
0619275126 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A A
0954104756 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0403291873 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A A A A
0745414532 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0695026985 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0756089081 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B B B A
0756089081 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B B B A
0564154473 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0564154473 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0483475198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0525474897 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A
0580536555 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0685487404 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0259417368 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0411974818 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0457479020 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0241121602 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0483735375 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A
0483735375 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A
0296356249 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C B A A A
0638012082 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0678678413 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A
0543810165 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A A A A
0543810165 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A A A A
0542874819 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0156781550 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0246391501 XXXXXX TN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0246391501 XXXXXX TN QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0578129438 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A
0228816176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C
0228816176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C
0062146444 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0062146444 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0062146444 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0062146444 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0062146444 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0140285578 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C A A A A
0140285578 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C A A A A
0400335687 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A
0935418209 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A
0935418209 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A
0788298237 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A
0979071454 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A A A A
0979071454 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A A A A
0979071454 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A A A A
0194176130 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0984676984 XXXXXX LA QM: Safe Harbor QM: Safe Harbor A A A A A
0984676984 XXXXXX LA QM: Safe Harbor QM: Safe Harbor A A A A A
0757541466 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0757541466 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A
0045246453 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A
0045246453 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A
0770245381 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A
0681612097 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B B B A
0681612097 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B B B A
0639044846 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A
0549627563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0549627563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A A
0993061564 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0309246636 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0309246636 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0309246636 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A
0091931913 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A
0735993360 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0735993360 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0735993360 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B C
0479438120 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A
0535802940 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A
0150978513 XXXXXX CO QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0150978513 XXXXXX CO QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0150978513 XXXXXX CO QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0150978513 XXXXXX CO QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0150978513 XXXXXX CO QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B A
0452203312 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A
0452203312 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A
0253477570 XXXXXX MD QM: Safe Harbor QM: Safe Harbor C A A A A
0118109664 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A
0014449205 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A
0520115742 XXXXXX CA QM: Safe Harbor QM: Safe Harbor 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
0058093967 A B B C B C B A A
0058093967 A B B C B C B A A
0058093967 A B B C B C B A A
0058093967 A B B C B C B A A
0460266286 A D A D B B B A A
0460266286 A D A D B B B A A
0460266286 A D A D B B B A A
0460266286 A D A D B B B A A
0460266286 A D A D B B B A A
0345524951 A D A D B D B A A
0345524951 A D A D B D B A A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0905082850 A D A D B D B B A
0766781850 A D A D B C B B A
0766781850 A D A D B C B B A
0766781850 A D A D B C B B A
0766781850 A D A D B C B B A
0766781850 A D A D B C B B A
0766781850 A D A D B C B B A
0766781850 A D A D B C B B A
0716875694 A D A D B D B A A
0716875694 A D A D B D B A A
0716875694 A D A D B D B A A
0937384502 A D B D B D A A A
0937384502 A D B D B D A A A
0937384502 A D B D B D A A A
0937384502 A D B D B D A A A
0478365775 A D B D B D B A A
0478365775 A D B D B D B A A
0478365775 A D B D B D B A A
0478365775 A D B D B D B A A
0478365775 A D B D B D B A A
0844239670 A D A D B D B A A
0844239670 A D A D B D B A A
0844239670 A D A D B D B A A
0844239670 A D A D B D B A A
0844239670 A D A D B D B A A
0844239670 A D A D B D B A A
0720118077 A D B D B D B A A
0720118077 A D B D B D B A A
0720118077 A D B D B D B A A
0720118077 A D B D B D B A A
0720118077 A D B D B D B A A
0215673379 A B B C B C B C A
0215673379 A B B C B C B C A
0215673379 A B B C B C B C A
0215673379 A B B C B C B C A
0215673379 A B B C B C B C A
0813172404 A D A D B B B C A
0813172404 A D A D B B B C A
0813172404 A D A D B B B C A
0813172404 A D A D B B B C A
0813172404 A D A D B B B C A
0813172404 A D A D B B B C A
0331144799 A D B D B D B A A
0331144799 A D B D B D B A A
0331144799 A D B D B D B A A
0331144799 A D B D B D B A A
0331144799 A D B D B D B A A
0331144799 A D B D B D B A A
0103440112 A D A D B D B A A
0103440112 A D A D B D B A A
0103440112 A D A D B D B A A
0103440112 A D A D B D B A A
0103440112 A D A D B D B A A
0066248376 A D A D B B B A A
0066248376 A D A D B B B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0845772901 A D B D B D B A A
0917509116 A D B D B D B C B
0917509116 A D B D B D B C B
0917509116 A D B D B D B C B
0917509116 A D B D B D B C B
0917509116 A D B D B D B C B
0917509116 A D B D B D B C B
0917509116 A D B D B D B C B
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0808516003 A D A D B D B B A
0681714584 A B A D B D B A A
0681714584 A B A D B D B A A
0681714584 A B A D B D B A A
0681714584 A B A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0564024477 A D A D B D B A A
0634340581 A B B D B D A A A
0634340581 A B B D B D A A A
0634340581 A B B D B D A A A
0876017365 A B A C B C B A A
0876017365 A B A C B C B A A
0876017365 A B A C B C B A A
0261449590 A D A D B B B A A
0261449590 A D A D B B B A A
0261449590 A D A D B B B A A
0390206785 A D B D B D B A A
0390206785 A D B D B D B A A
0390206785 A D B D B D B A A
0390206785 A D B D B D B A A
0390206785 A D B D B D B A A
0390206785 A D B D B D B A A
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0520115742 A A A A A A A A A

 

Alt Loan Number Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade
0058093967 B B Compliance Federal Consumer Protection Waived B B B B
0058093967 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0058093967 B B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A
0058093967 B B Credit DTI Active B B B B
0460266286 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0460266286 D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0460266286 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0460266286 D A Credit Income/Employment Satisfied B A B A
0460266286 D A Credit Income/Employment Satisfied B A B A
0345524951 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0345524951 D A Credit Income/Employment Active D B D B
0905082850 D A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A
0905082850 D A Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A
0905082850 D A Compliance Documentation Satisfied B A B A
0905082850 D A Compliance Documentation Satisfied C A C A
0905082850 D A Compliance Documentation Satisfied D A D A
0905082850 D A Compliance Documentation Satisfied N/A A N/A A
0905082850 D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A
0905082850 D A Credit Application Satisfied N/A A N/A A
0905082850 D A Credit Assets Satisfied C A C A
0905082850 D A Credit Credit/Mtg History Satisfied C A C A
0905082850 D A Credit Income/Employment Active D B D B
0905082850 D A Credit Income/Employment Satisfied D A D A
0905082850 D A Credit Income/Employment Satisfied D A D A
0905082850 D A Credit Income/Employment Satisfied D A D A
0905082850 D A Credit Insurance Satisfied D A D A
0905082850 D A Credit Legal Documents Satisfied D A D A
0905082850 D A Credit Legal Documents Satisfied D A D A
0905082850 D A Property Valuations FEMA Satisfied B A B A
0766781850 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0766781850 D A Credit Assets Satisfied B A B A
0766781850 D A Credit Credit/Mtg History Satisfied C A C A
0766781850 D A Credit DTI Active B B B B
0766781850 D A Credit Income/Employment Satisfied B A B A
0766781850 D A Credit Income/Employment Satisfied B A B A
0766781850 D A Property Valuations FEMA Satisfied B A B A
0716875694 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0716875694 D A Credit Application Satisfied D A D A
0716875694 D A Credit Income/Employment Active D B D B
0937384502 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0937384502 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0937384502 D B Compliance TILA/RESPA Integrated Disclosure Waived B B B B
0937384502 D B Credit Income/Employment Satisfied D A D A
0478365775 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0478365775 D B Compliance Federal Consumer Protection Waived B B B B
0478365775 D B Credit Credit/Mtg History Active B B B B
0478365775 D B Credit Income/Employment Satisfied D A D A
0478365775 D B Credit Income/Employment Satisfied D A D A
0844239670 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0844239670 D A Compliance RESPA Satisfied B A B A
0844239670 D A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A
0844239670 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0844239670 D A Credit Income/Employment Satisfied D A D A
0844239670 D A Credit Income/Employment Satisfied D A D A
0720118077 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0720118077 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0720118077 D B Credit Application Satisfied D A D A
0720118077 D B Credit Income/Employment Satisfied C A C A
0720118077 D B Credit LTV/CLTV Active B B B B
0215673379 B B Compliance Federal Consumer Protection Waived B B B B
0215673379 B B Compliance State Late Charges Satisfied B B B B
0215673379 B B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A
0215673379 B B Credit DTI Active B B B B
0215673379 B B Property Valuations Property Satisfied C A C A
0813172404 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0813172404 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0813172404 D A Credit Income/Employment Satisfied B A B A
0813172404 D A Credit Income/Employment Satisfied B A B A
0813172404 D A Property Valuations Property Satisfied C A C A
0813172404 D A Property Valuations Property Satisfied C A C A
0331144799 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0331144799 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0331144799 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0331144799 D B Credit DTI Satisfied D A D A
0331144799 D B Credit Income/Employment Active B B B B
0331144799 D B Credit Income/Employment Satisfied D A D A
0103440112 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0103440112 D A Credit Income/Employment Active B B B B
0103440112 D A Credit Income/Employment Satisfied D A D A
0103440112 D A Credit Income/Employment Satisfied D A D A
0103440112 D A Credit Income/Employment Satisfied D A D A
0066248376 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0066248376 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0845772901 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0845772901 D B Compliance Federal Consumer Protection Active B B B B
0845772901 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0845772901 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0845772901 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0845772901 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0845772901 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0845772901 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0845772901 D B Credit Credit/Mtg History Active B B B B
0845772901 D B Credit DTI Active B B B B
0845772901 D B Credit Income/Employment Active D B D B
0845772901 D B Credit Income/Employment Satisfied D A D A
0917509116 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0917509116 D B Compliance Federal Consumer Protection Waived C B C B
0917509116 D B Credit Income/Employment Active B B B B
0917509116 D B Credit Income/Employment Satisfied D A D A
0917509116 D B Credit Income/Employment Satisfied D A D A
0917509116 D B Property Valuations Appraisal Satisfied A A A A
0917509116 D B Property Valuations Value Satisfied C A C B
0808516003 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0808516003 D A Compliance RESPA Satisfied B A B A
0808516003 D A Compliance Right of Rescission  Satisfied D A D A
0808516003 D A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A
0808516003 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0808516003 D A Credit Income/Employment Satisfied D A D A
0808516003 D A Credit Income/Employment Satisfied D A D A
0808516003 D A Credit Insurance Satisfied D A D A
0808516003 D A Property Valuations FEMA Satisfied B A B A
0681714584 B A Compliance RESPA Satisfied B A B A
0681714584 B A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A
0681714584 B A Credit Ability to Repay/Qualified Mortgage Active B B B B
0681714584 B A Credit Income/Employment Satisfied D A D A
0564024477 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0564024477 D A Compliance Documentation Satisfied B A B A
0564024477 D A Compliance Documentation Satisfied D A D A
0564024477 D A Compliance Documentation Satisfied D A D A
0564024477 D A Compliance Documentation Satisfied D A D A
0564024477 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0564024477 D A Credit Credit/Mtg History Satisfied B A B A
0564024477 D A Credit Credit/Mtg History Satisfied B A B A
0564024477 D A Credit Credit/Mtg History Satisfied D A D A
0564024477 D A Credit Income/Employment Satisfied D A D A
0564024477 D A Credit Income/Employment Satisfied D A D A
0564024477 D A Credit Income/Employment Satisfied D A D A
0564024477 D A Credit Legal Documents Satisfied D A D A
0564024477 D A Credit Legal Documents Satisfied D A D A
0634340581 B B Compliance Federal Consumer Protection Waived B B B B
0634340581 B B Credit Income/Employment Satisfied D A D A
0634340581 B B Credit Income/Employment Satisfied D A D A
0876017365 B A Compliance Ability to Repay/Qualified Mortgage Satisfied B A B A
0876017365 B A Credit Ability to Repay/Qualified Mortgage Active B B B B
0876017365 B A Credit Income/Employment Satisfied C A C A
0261449590 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0261449590 D A Credit DTI Active B B B B
0261449590 D A Credit Income/Employment Active B B B B
0390206785 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0390206785 D B Compliance Federal Consumer Protection Waived B B B B
0390206785 D B Compliance RESPA Satisfied B A B A
0390206785 D B Compliance Right of Rescission  Satisfied D A D A
0390206785 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0390206785 D B Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A
0390206785 D B Credit Assets Active D B D B
0390206785 D B Credit Income/Employment Satisfied B A B A
0390206785 D B Credit Income/Employment Satisfied B A B A
0390206785 D B Credit Income/Employment Satisfied B A B A
0390206785 D B Credit Legal Documents Satisfied D A D A
0675741198 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0675741198 D B Compliance Federal Consumer Protection Active B B B B
0675741198 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0675741198 D B Credit Income/Employment Active D B D B
0675741198 D B Credit Income/Employment Active D B D B
0279313615 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0279313615 D B Compliance Federal Consumer Protection Waived B B B B
0279313615 D B Credit DTI Active B B B B
0279313615 D B Credit Income/Employment Satisfied D A D A
0754880233 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0754880233 D B Compliance Federal Consumer Protection Waived B B B B
0754880233 D B Credit Income/Employment Active B B B B
0733283060 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0733283060 D A Credit Ability to Repay/Qualified Mortgage Satisfied A A A A
0733283060 D A Credit DTI Active B B B B
0733283060 D A Credit DTI Satisfied B A B A
0733283060 D A Property Valuations Appraisal Satisfied A A A A
0733283060 D A Property Valuations FEMA Satisfied B A B A
0830874307 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0830874307 D B Compliance Federal Consumer Protection Waived B B B B
0830874307 D B Credit Income/Employment Active B B B B
0603856189 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0603856189 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0603856189 D A Credit Terms/Guidelines Active B B B B
0733482960 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0733482960 D A Credit DTI Active B B B B
0733482960 D A Credit Income/Employment Active C C C C
0305768815 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0305768815 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0305768815 D A Credit Assets Active B B B B
0305768815 D A Credit Legal Documents Satisfied D A D A
0193295640 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0193295640 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0193295640 D B Credit Ability to Repay/Qualified Mortgage Active B B B B
0912035228 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0912035228 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0912035228 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0912035228 D B Credit Ability to Repay/Qualified Mortgage Active B B B B
0912035228 D B Credit DTI Satisfied D A D A
0912035228 D B Credit Terms/Guidelines Satisfied C A C A
0588980730 C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A
0588980730 C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A
0588980730 C A Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A
0588980730 C A Credit Credit/Mtg History Active C B C B
0222821814 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0222821814 D A Credit Income/Employment Active B B B B
0222821814 D A Credit Income/Employment Satisfied B A B A
0222821814 D A Property Valuations Appraisal Satisfied D A D A
0187716302 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0187716302 D A Credit DTI Active B B B B
0134859397 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0134859397 D B Compliance Right of Rescission  Active B B B B
0134859397 D B Compliance Right of Rescission  Satisfied C B C B
0134859397 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0134859397 D B Credit Income/Employment Active B B B B
0134859397 D B Credit Income/Employment Active B B B B
0096927963 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0096927963 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0096927963 D B Credit Income/Employment Satisfied B A B A
0984351889 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0984351889 D A Credit Income/Employment Active B B B B
0984351889 D A Credit Income/Employment Satisfied C A C A
0984351889 D A Credit Income/Employment Satisfied D A D A
0984351889 D A Credit Income/Employment Satisfied D A D A
0352386445 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0352386445 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0336019690 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0336019690 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0336019690 D B Credit Income/Employment Satisfied D A D A
0864823692 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0864823692 D A Credit Credit/Mtg History Satisfied B A B A
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0864823692 D A Credit Terms/Guidelines Active B B B B
0496353559 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0496353559 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0496353559 D A Credit Income/Employment Satisfied C A C A
0496353559 D A Property Valuations Value Satisfied C A C B
0628571176 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0628571176 D B Compliance Right of Rescission  Active C B C B
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0628571176 D B Credit Terms/Guidelines Active B B B B
0724929458 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0724929458 D B Compliance Finance Charge Tolerance Satisfied C B C B
0724929458 D B Compliance Finance Charge Tolerance Satisfied C B C B
0101123162 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0101123162 D A Credit Assets Active B B B B
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0268459998 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0268459998 D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0401987927 A A              
0804083355 C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0804083355 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0864858405 C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0864858405 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0100949224 A A              
0850150329 A A              
0316023138 C B Compliance Finance Charge Tolerance Satisfied C B C B
0296538185 C B Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A
0296538185 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0403270653 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0403270653 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0403270653 A A Credit DTI Active B B B B
0841468619 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0410491377 C B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0410491377 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0207936843 A A              
0560535952 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0482575337 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0482575337 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0482575337 D B Credit Ability to Repay/Qualified Mortgage Active B B B B
0768971662 D B Compliance Documentation Satisfied D A D A
0768971662 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0768971662 D B Credit Terms/Guidelines Active C B C B
0341377262 C B Compliance Right of Rescission  Satisfied C B C B
0318454281 A A              
0831939988 A A              
0658303941 D A Compliance State Consumer Protection Satisfied D A D A
0627253037 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0549888506 B B Compliance Right of Rescission  Active B B B B
0173045918 A A              
0353041815 A A              
0757546012 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0617931850 A A              
0264969075 A A              
0368390685 D B Compliance Right of Rescission  Satisfied D A D A
0368390685 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0368390685 D B Property Valuations Appraisal Satisfied D A D A
0834531294 A A              
0663428205 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0663428205 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0663428205 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0663428205 D B Credit Ability to Repay/Qualified Mortgage Active B B B B
0663428205 D B Credit DTI Active B B B B
0091618772 B B Compliance RESPA Active B B B B
0091618772 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0091618772 B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0470510698 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0470510698 A A Property Valuations Value Satisfied C A C A
0505661185 A A              
0790925236 A A              
0831742939 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0831742939 C A Property Valuations Value Satisfied C A C A
0581075467 B B Compliance Right of Rescission  Active B B B B
0249769406 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0137336864 A A              
0017125999 A A              
0717406474 B B Compliance Right of Rescission  Active B B B B
0636552460 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0442954178 A A              
0999103751 B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0999103751 B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0999103751 B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0999103751 B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0090892025 C B Compliance Right of Rescission  Active B B B B
0090892025 C B Compliance Right of Rescission  Satisfied C A C A
0090892025 C B Compliance Right of Rescission  Satisfied C A C A
0480694729 B B Compliance Right of Rescission  Active B B B B
0054379439 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0650760614 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0558552479 B B Compliance Right of Rescission  Active B B B B
0558552479 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0615216745 A A              
0969540472 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0435920438 B B Compliance Right of Rescission  Active B B B B
0232235806 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0817191353 A A              
0559177597 A A              
0289510648 C B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0289510648 C B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0289510648 C B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0289510648 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0289510648 C B Credit Terms/Guidelines Satisfied C A C A
0450726039 A A              
0258714939 C A Compliance Right of Rescission  Satisfied C A C A
0258714939 C A Property Valuations FEMA Active B B B B
0250548693 A A              
0171061835 D A Compliance Documentation Satisfied D A D A
0729022797 A A              
0337422317 A A Credit Terms/Guidelines Active B B B B
0051094872 A A              
0845100918 B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0845100918 B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0342155449 B B Compliance Right of Rescission  Active B B B B
0342155449 B B Credit Terms/Guidelines Active C B C B
0063192927 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0063192927 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0390562360 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0390562360 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0390562360 D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0390562360 D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0390562360 D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0240659592 B B Compliance RESPA Active B B B B
0240659592 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0240659592 B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0514673504 A A              
0226574930 A A              
0209095290 A A              
0403566133 C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0403566133 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0466520950 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0164581982 B B Compliance Right of Rescission  Active B B B B
0245862531 C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0245862531 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0329094540 A A              
0115444143 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0115444143 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0115444143 D A Credit DTI Active B B B B
0078936277 B B Compliance Borrower's Interest Active B B B B
0464946580 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0464946580 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0787874378 A A              
0749872960 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0800793629 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0244418964 A A              
0537119098 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0047212998 A A              
0574495436 B B Compliance RESPA Active B B B B
0384786138 A A              
0091508207 A A              
0167463397 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0723630152 A A              
0035185220 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0035185220 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0035185220 D A Credit Income/Employment Satisfied D A D A
0880824314 D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0880824314 D B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0880824314 D B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0880824314 D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0880824314 D B Credit Ability to Repay/Qualified Mortgage Active B B B B
0880824314 D B Credit Assets Active B B B B
0880824314 D B Credit Income/Employment Satisfied D A D A
0332545785 D A Compliance Documentation Satisfied D A D A
0332545785 D A Compliance RESPA Satisfied B A B A
0332545785 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0332545785 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0332545785 D A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A
0332545785 D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0707724360 A A              
0231397221 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0231397221 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0513837122 A A              
0516400659 D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0583613742 A A              
0744968800 A A              
0739184622 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0147781271 B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B
0874861426 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0874861426 C B Property Valuations Value Satisfied C A C A
0758125974 A A              
0355973759 A A              
0277997495 A A              
0558392377 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0618494993 A A              
0857508060 B B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0153317789 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0153317789 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0153317789 D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0153317789 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0421376891 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0140539176 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0389716084 A A Credit Assets Active B B B B
0389716084 A A Credit Credit/Mtg History Active B B B B
0498812963 C B Compliance Finance Charge Tolerance Satisfied C A C A
0498812963 C B Compliance Finance Charge Tolerance Satisfied C A C A
0498812963 C B Compliance TILA/RESPA Integrated Disclosure Active B B B B
0116856370 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0571066766 A A              
0211948619 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0211948619 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0147394809 A A              
0606642899 A A Property Valuations Appraisal Satisfied D A D A
0548724404 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0548724404 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0548724404 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0548724404 D A Credit Credit/Mtg History Satisfied D A D A
0619275126 D A Compliance State Consumer Protection Satisfied D A D A
0954104756 A A              
0403291873 D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0745414532 A A              
0695026985 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0756089081 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0756089081 C A Credit Assets Active B B B B
0564154473 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0564154473 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0483475198 C B Compliance Finance Charge Tolerance Satisfied C B C B
0525474897 A A              
0580536555 A A              
0685487404 A A              
0259417368 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0411974818 A A              
0457479020 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0241121602 A A              
0483735375 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0483735375 A A Credit Legal Documents Satisfied D A D A
0296356249 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0638012082 A A              
0678678413 A A              
0543810165 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0543810165 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0542874819 A A              
0156781550 A A              
0246391501 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0246391501 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0578129438 A A              
0228816176 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0228816176 A A Property Valuations Value Satisfied C A C A
0062146444 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0062146444 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0062146444 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0062146444 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0062146444 D A Property Valuations Value Satisfied C A C A
0140285578 C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0140285578 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0400335687 A A              
0935418209 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0935418209 D A Credit Legal Documents Satisfied D A D A
0788298237 A A              
0979071454 C A Compliance Finance Charge Tolerance Satisfied C A C A
0979071454 C A Compliance Finance Charge Tolerance Satisfied C A C A
0979071454 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0194176130 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0984676984 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0984676984 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0757541466 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0757541466 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0045246453 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0045246453 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0770245381 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0681612097 D A Compliance State Consumer Protection Satisfied D A D A
0681612097 D A Credit Credit/Mtg History Active B B B B
0639044846 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0549627563 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0549627563 D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A
0993061564 A A              
0309246636 C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0309246636 C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0309246636 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0091931913 C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B
0735993360 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0735993360 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0735993360 D A Property Valuations Value Satisfied C A C A
0479438120 A A              
0535802940 A A              
0150978513 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0150978513 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0150978513 D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0150978513 D A Credit Ability to Repay/Qualified Mortgage Active B B B B
0150978513 D A Credit DTI Satisfied B A B A
0452203312 D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A
0452203312 D A Credit Legal Documents Satisfied D A D A
0253477570 C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A
0118109664 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A
0014449205 A A              
0520115742 A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A

 

Alt Loan Number Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Compensating Factors
0058093967 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The loan officers name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officers name as XXX. The Reg-Z requirement is for the Originators name to match the NMLS website exactly. 5.18.17 - Client provided exception approval to accept NMLS name variation. 5.18.17 Non-material exception. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 16 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 23 months of reserves after closing.
0058093967 CMPTRID3732 TRID - Error #3 discovered on Closing Disclosure No Refers to all CDs: Closing Information is missing Settlement Agent's full name and/or addendum to CD that reflects company name in its entirety. Non-Numeric Clerical ErrorCan be downgraded LV 1 and satisfied with client consent to Legacy TILA Cure 130(B), corrected post close CD, LOX, and verification sent to borrower.  (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 16 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 23 months of reserves after closing.
0058093967 CRDATRQM3122 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. No ATR/QM does not match Lender's status determination of XXX due to final DTI of 44.57%; Review final income calculation of $7,500 monthly; lender included projected bonus income of $530.42 monthly, per Employment Offer Letter; no documentation was provided to support 2 year history of bonus income being received.  5.24.17 Client rebuttal Loan was approved with final DTI of 41.407% using projected bonus income of $530.42 monthly. Total income used in qualifying $7,500 + 530.42 = $8,030.42 monthly. Per non-conforming underwriting guidelines, periods of bonus income less than two years may be acceptable, provided the decisioner can justify and document in writing  the reason for using the income for qualifying purposes and there is probability of continued receipt. Borrower accepted a new job wit XXX in 2016. Acceptance letter confirms start date of XXX, salary $90k ($7,500 monthly) and eligible for a 15% annual bonus ($13,500). Borrower has been in the same of line of work for 16 years and provided annual compensation statement to support bonus income from previous employer for previous year of $6,365/12 = $530.42 monthly.  However, borrower does not have 2 year history, borrower did not receive bonus from current employer in 2016. Bonus income excluded. Exception remains6.15.17 Client provided updated supplement showing loan as Non QM 6.15.17 Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 16 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 23 months of reserves after closing.
0058093967 CRDDTI105 Debt Ratio Exception 5% or Less No Debt ratio exception 5% or less; final DTI of 44.57%; lender DTI of 41.41%; Review final income calculation of $7,500 monthly; lender included projected bonus income of $530.42 monthly, per Employment Offer Letter; no documentation was provided to support 2 year history of bonus income being received; income not considered. 5.24.17 Client rebuttal Loan was approved with final DTI of 41.407% using projected bonus income of $530.42 monthly. Total income used in qualifying $7,500 + 530.42 = $8,030.42 monthly. Per non-conforming underwriting guidelines, periods of bonus income less than two years may be acceptable, provided the decisioner can justify and document in writing  the reason for using the income for qualifying purposes and there is probability of continued receipt. Borrower accepted a new job with XXX in 2016. Acceptance letter confirms start date of XXX, salary $90k ($7,500 monthly) and eligible for a 15% annual bonus ($13,500). Borrower has been in the same of line of work for 16 years and provided annual compensation statement to support bonus income from previous employer for previous year of $6,365/12 = $530.42 monthly.  However, borrower does not have 2 year history, borrower did not receive bonus from current employer in 2016. Bonus income excluded. Exception remains. 5.24.17 Exception remains. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 16 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The lowest midpoint credit score of 792 exceed guideline requirements of 680 by 112 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 23 months of reserves after closing.
0460266286 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) Missing Profit and Loss statement for XXX.  File contained completed 2016 1040 Sch C (2016 1040 is incomplete, missing all pages).2) Missing Balance Sheet for XXX 5.3.17 Lender provided a copy of the schedule-C this is already in file. What we need is a copy of the P&L statement and Balance sheet. Even if the customer does not carry inventory the balance sheet should be provided and reflect 0. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score; minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286 CMPTRID3734 TRID - Initial CD resets fee tolerance but was delivered, instead of a revised LE, more than 6 business days prior to consummation (Black Hole Issue). No Credit Report Fee increase from LE XXX to Initial CD XXX 5.24.17 Client rebuttal Disagree with investor. The Credit Report Fee increased on XXX in the amount of $75.82 without a valid Change Circumstance; however, the increase was covered by the $75.82 Over Tolerance Cure located in Section J of the consummation CD. However, while the amount of the tolerance credit matches the credit report fee, there is no documentation that shows that the credits be applied to APR fees. 5.25.17 - CD does indicate the $75.82 credit is for increase in closing costs above legal limit which is acceptable. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score; minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score; minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing Profit and Loss statement for XXX.  File contained completed 2016 1040 Sch C (2016 1040 is incomplete, missing all pages). 05.03.17 Lender provided a copy of the schedule-C this is already in file. What we need is a copy of the P&L statement and Balance sheet. Even if the customer does not carry inventory the balance sheet should be provided and reflect 0.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score; minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 10.19 years.
0460266286 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Balance Sheet XXX 05.03.17 Lender provided a copy of the schedule-C this is already in file. What we need is a copy of the P&L statement and Balance sheet. Even if the customer does not carry inventory the balance sheet should be provided and reflect 0.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778 credit score; minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.45% DTI is below the maximum allowed DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 10.19 years.
0345524951 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing all pages of 2016 and 2015 1040 personal tax returns. Only 2 pages of 2016 1040 provided and line 17 shows negative income. All pages of 1040 needed as well as any applicable k-1's and business returns. 7.10.17 Client rebuttal states 2015 and 2016 personal tax returns were not required. Borrower's hold no ownership from the employment income used to qualify. K-1's and business returns not applicable. Borrower provided first 2 pages of 2016 1040's to source a large deposit (IRS refund) from a bank statement. However, including the negative income of $13,405 from line 17 of 2016 1040's, the monthly income used to qualify would change from $35,083.36 to $33,966.28 with acceptable ratios of 11.48 / 19.50. This income loss would not negatively impact Ability to Repay/QM. However, Line 17 of the 1040's show a loss. Per guidelines, when there is a business loss, additional documentation about the business income is needed to fully evaluate the impact of the business loss. If loss is from rental real estate, complete 1040's would be acceptable. Exception remains for complete personal and applicable business returns.7.20.17 - Lender agreed the loan does not meet QM XXX and changed their determination to Non-QM that matches Clayton determination. 7.20.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.14% is below the maximum 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $88,254.88 or 22.63 months PITI reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 34.67 years.  Co-Borrower has been in the same profession for 31 years.
0345524951 CRDINC3204 Income Documentation Missing No Missing all pages of 2016 and 2015 1040 personal tax returns. Only 2 pages of 2016 1040 provided and line 17 shows negative income. Provide all pages of 2015 and 2016 1040's as well as any applicable business tax returns 7.10.17 Client rebuttal states 2015 and 2016 personal tax returns were not required. Borrower's hold no ownership from the employment income used to qualify. K-1's and business returns not applicable. Borrower provided first 2 pages of 2016 1040's to source a large deposit (IRS refund) from a bank statement. However, including the negative income of $13,405 from line 17 of 2016 1040's, the monthly income used to qualify would change from $35,083.36 to $33,966.28 with acceptable ratios of 11.48 / 19.50. This income loss would not negatively impact Ability to Repay/QM. However, Line 17 of the 1040's show a loss. Per guidelines, when there is a business loss, additional documentation about the business income is needed to fully evaluate the impact of the business loss. Exception remains for complete personal and applicable business returns. If loss is from real estate rental, complete 1040's including schedule E would be acceptable. 7.20.17 - Upon further review by Sr. UW, the loss was factored into ratios and loan qualifies so detail on loss is immaterial.  Graded B. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.14% is below the maximum 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $88,254.88 or 22.63 months PITI reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 34.67 years.  Co-Borrower has been in the same profession for 31 years.
0905082850 CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Provide missing income doucmentation 6.1.17 Lender provided the necessary documentation 6.1.17 Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) Missing Balance sheet and P & L for Sched C:  XXX2)Missing K-1's for 14 partnerships : Lender's U/W indicated in the U/W decision (Employment/Income Comments) that borrower has less than 2% interest in those 14 partnerships. 3) Missing rental calculations 6.15.17 Client provided update of QM status to non QM 6.15.17 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CMPDOC2514 Mortgage/Deed of Trust has not been recorded and/or sent for recording No Copy of Mortgage Document provided is unsigned; no evidence indicating it was executed and sent for recording.  6.1.17 Lender provided the necessary documentation 6.1.17 Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CMPDOC2518 The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms No The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms. once received input will then need to be comppleted 6.1.17 Lender provided the necessary documentation 6.1.17 Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CMPDOC869 Mortgage not signed No Provide copy of Mortgage signed by borrowers 6.1.17 Lender provided the necessary documentation 6.1.17 Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CMPDOC806 Notary Status is missing No Missing notary signature. 6.1.17 Lender provided the necessary documentation 6.1.17 Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDATRQM3122 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. No need updated and missing documents to complete proper input 6.1.17 - Required documents provided and as required.  6.1.17 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDAPP157 Application Not Signed by Primary Borrower No Initial & Final Application not signed. 6.1.17 Lender provided executed Initial & Final applications 6.1.17 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Please provide 2 months asset statements. Lender provided 2 months asset statements.  The 2 month assets statements satisfies funds to close and required reserves for all 4 financed properties  6.1.17 Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No 6 financed properties - some might fall off with review of personal 1040 tax returns Lender provided 2014/2015 1040's.  The 1040's provided by lender show 4 financed properties meeting maximum allowed of 4 6.1.17 Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDINC3204 Income Documentation Missing No Missing K-1's for 14 partnerships : Lender's U/W indicated in the U/W decision (Employment/Income Comments)that borrower has less than 2% interest in those 14 partnerships.Missing rental calculations 6.14.19 - Clayton has reviewed and considers non-material based on reserves of $1,545,696 and low LTV of 55%.  6.14.19 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDINC2302 Missing Required Income Documentation No The following documentation must be used to document rental income if rental income is used to qualify: Prior two years complete and filed signed federal individual tax return, including Schedule E. When the property has been owned less than 12 months and is not reflected on the borrower's most recent, filed federal individual tax returns, copies of the present signed leases may be used only if the borrower has a two-year history of property management experience as evidenced by the most current two years' filed and signed federal IRS 1040 tax returns and current lease agreement Lender provided borrower's personal 1040's for 2014/15. 6.1.17 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing Profit and Loss for Sched C: XXX 6.14.19 - Clayton has reviewed and per lender guides the underwriter can waive the profit and loss requirement.  6.14.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Balance sheet for Sched C:  XXX 6.14.19 - Clayton has reviewed and per lender guides the underwriter can waive the balance sheet requirement.  6.14.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDINSR848 Missing Hazard Insurance No provide hazard insurance binder for subject property 6.1.17 Lender provided Declaration page of the HOI. 6.1.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDLGL2277 Note Not Executed No Provide copies of signed Note 6.1.17 - Lender provided executed note. 6.1.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 CRDLGL988 Loan File is Missing or Contains Insufficient Documentation for Basic Review No The following documentation must be used to document rental income if rental income is used to qualify: Prior two years complete and filed signed federal individual tax return, including Schedule E. When the property has been owned less than 12 months and is not reflected on the borrower's most recent, filed federal individual tax returns, copies of the present signed leases may be used only if the borrower has a two-year history of property management experience as evidenced by the most current two years' filed and signed federal IRS 1040 tax returns and current lease agreement 6.1.17 Lender provided the necessary documentation 6.1.17 Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0905082850 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Provide updated appraisal covering most recent disaster 5.25.17 Post Disaster Inspection confirm no damages to property. 5.25.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves in excess of 154k.

CFCFS2860: Good credit history
- Clayton Comments:  All credit lines paid on time to include other non-subject properties owned.
0766781850 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide the following Income documentation : 1) Current Bi-Weekly Pay Stubs, most current provided dated 11/19/16 2) 2 most recent years W-2's 3) Current WVOE to reflect base and Bonus income and verify bonus is likely to continue. 4) Provide Real Estate Tax and Hazard Insurance documentation for the XXX properties. 5) Provide a Written Verification of Employment to verify the base and Bonus income and verify bonus is likely to continue. 5.26.17: based on lender qualifying borrower as XXX the following documents are needed. 2 most recent years business tax returns for XXX, the source of the borrowers w-2, original file contains business return for a closed subsidiary of XXX but not for XXX itself. P&L and Balance sheet also required if 2016 business return is not available. i 5.9.17: Lender provided 2 years w2's. Items 1, 3, 4 and 5 are still active. 5.23.17 - 5/9/17: Lender provided 2 years w2's. Items 1,3, 4 - Hazard Insurance only and 5 are still active.5.22.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal: "1- See Underwriter Decision Summary, pages 1-2 (attached) for employment/income analysis. An acceptable bi-weekly pay stub, check date 11/25/16 attached.  3- Re-verification of XXX 5.26.17:Lender provided most recent bi-weekly pay stub, however exception remains for WVOE with breakdown of bonus income.   5.23.17 - Exception remains.5.26.17 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Provide 1/31/17 XXX Portfolio Bank Statement. 2/28/2017 is in the file. 60 day transaction history required. 5/9/17: Lender provided appropriate bank statements. 5/9/17: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850 CRDCRMH148 Credit report stale dated at closing No Provide updated Credit Report. Credit report in file dated XXX, greater than 120 days from Note date XXX. Credit Report is stale dated by 32 days. File contains page 9 of 9 of a credit report dated XXX. Need all pages. 5/09/2017 - Lender provided the credit report dated XXX with all pages. 5/09/2017 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide Real Estate Tax and Hazard Insurance documentation for the XXX 5.23.2017 - Lender provided the Taxes for the  XXX properties. However, the hazard insurance is still outstanding. 5.23.2017 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850 CRDINC2488 Verbal verification of employment missing No Provide a verbal verification of employment dated within 20 days of note date 05.23.17 Lender provided a copy of the screenshot of XXX dated XXX within 20 business days of note. 05.23.17 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850 CRDINC3204 Income Documentation Missing No Provide the following Income documentation :1) Current Bi-Weekly Pay Stubs, most current provided dated 11/19/162) 2 most recent years W-2's3) Current WVOE to reflect base and Bonus income. 5/9/17: Lender provided 2 years w2's. Items 1 an 3 are still active.5.23.2017 - Lender provided the Current Bi-Weekly Pay Stubs, most current provided dated 11/19/16. However the WVOE to reflect base and bonus income is still outstanding.6.14.19 - Clayton has reviewed and bonus validated using W2's and current paystubs therefore WVOE not necessary.  5.23.2017 - Exception remains.6.14.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0766781850 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Provide post disaster inspection as a result of the FEMA disaster dated XXX.  5.9.17  Post Disaster Inspection provided reflecting no damage. 5.9.17  Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years 6 months at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 735 exceeds Program Guidelines of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 5.99% is below Program Guidelines of 43.00%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 35 years in their profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 71 months PITI reserves; guidelines require 12 months
0716875694 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing 2016 W2 for borrower 1 current employer as required by guidelines. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.80% DTI below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  20.47 verified cash reserves exceed guidelines.
0716875694 CRDAPP2658 Missing 3rd-party anti-fraud report No Missing the anti fraud report 5.30.17 lender provided anti fraud report 5.30.17 exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.80% DTI below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  20.47 verified cash reserves exceed guidelines.
0716875694 CRDINC2408 Income verification does not meet guidelines No Missing 2016 W2 for borrower 1 current employer as required by guidelines. 5.30.17 lender response Unable to locate 2016 W2. Paystub through October of 2016 and updated paystubs in 2017 located. Missing the last 2 months of income in 2016.6.14.19 - Clayton has reviewed and considers non-material based on compensating factors of low DTI at 35.8% and qualifying credit score of 784.  5.30.17 Exception remains for 2016 W2 for B16.14.19 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.80% DTI below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  20.47 verified cash reserves exceed guidelines.
0937384502 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: 1.  Current YTD balance sheets for the following entities (income utilized in DTI); appendix Q looks for the most recent quarterly statement within 30 days of application date: - XXX- Missing both borrower's signatures and date on the 2015 and 2014 1040 tax returns. 2. Missing co-borrower's signature on the 2015 and 2014 1120S tax returns for XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned subject property 14.98 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 16.98 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower XXX in same business 16.98 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.85%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0937384502 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No 0% tolerance fee increased between LE XXX and CD XXX by $411.00. A second Appraisal Fee was added without valid documentation. Lender included a credit of $411 on the same CD. (No Data) 4/24/2017: exception satisfied as non-material since the tolerance error was corrected on same CD. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned subject property 14.98 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 16.98 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower XXX in same business 16.98 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.85%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0937384502 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. No The Closing Costs Financed value of $17,516.22 on the Calculating Cash to Close table of CD: XXX does not match the Clayton calculation of $16,817.34. The CD value does not reflect the Closing Costs Paid Before Closing value subtracted out. 5.5.17 - Lender provided rebuttal they disagree however the correct Closing Costs Financed is $16,817.34.5.8.17 Client approved exception for closing cost financed difference from $17,516.34 versus review value of $16,817.34 Final Grade B. Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned subject property 14.98 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 16.98 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower XXX in same business 16.98 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.85%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0937384502 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing current YTD balance sheets for the following entities (income utilized in DTI): - XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.   Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned subject property 14.98 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 16.98 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower XXX in same business 16.98 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.85%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 718 is 38 points above the minimum required of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  92.64 months PITI reserves.  18 months PITI required.
0478365775 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD P&L and balance sheet. 05.11.17 Lender provided a copy of the P&L. The balance sheet remains outstanding.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS: XXX;  Other Names  More Info:  XXX 5.18.17 - Client provided exception approval to accept NMLS name variation. 5.18.17  Non-material exception. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing Mortgage History from the exiting Property; the Mortgage does not appear on the credit report.  The Borrower does have positive Mortgage History from other Real Estate Owned that has a 0X30 on the Credit Report. 05.11.17 Lender provided a copy of the XXX statement showing the next payment due, however, this statement cannot serve as a VOM in the absence of the mtg on the cbr. 05.11.17 Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No A year-to-date profit and loss (P&L) for 2016 statement is required if more than four months have lapsed since the last fiscal year end. 05.11.17 Lender provided a copy of a year-to-date profit and loss (P&L) for 2016. 05.11.17 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.81 years.
0478365775 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No A year-to-date balance sheet is required if more than four months have lapsed since the last fiscal year end. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines is 680; Borrowers Representative Credit Score is 753.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.81 years.
0844239670 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing a copy of 2016 YTD P&L Statement XXX2. Missing a copy of the 2016 balance sheet for XXX 5.25.17 - Lender provided P&L & Balance Sheet for XXX which is a different company than XXX 5.25.17 - Exceptions remain.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned current business for over 22yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30yrs.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No The homeowners counseling list is not in file. 5.15.17- HOC provided 5.15.17- Exception Satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned current business for over 22yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30yrs.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Service  Providers not in file. 5.15.17- SPL Provided 5.15.17- Exception Satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned current business for over 22yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30yrs.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned current business for over 22yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30yrs.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing a copy of 2016 YTD P&L Statement for XXX 5.25.17 - Lender provided P&L & Balance Sheet for XXX which is a different company than XXX6.14.19 - Clayton has reviewed and lender guides allow underwriter to waive Profit and Loss statements.  5.25.17 - Exception remains.6.14.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned current business for over 22yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30yrs.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 120 months PITI reserves available.
0844239670 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing a copy of the 2016 balance sheet XXX 5.25.17 - Lender provided P&L & Balance Sheet for XXX which is a different company than XXX 5.25.17 - Exception remains.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for over 7yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned current business for over 22yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 30yrs.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 7.86%, maximum per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 63.218%, maximum per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying mid-score is 782, minimum score required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 120 months PITI reserves available.
0720118077 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review:- Borrower's signature/date on the 2015/2014 1040 tax returns.- Borrower's signature on the 1120S 2015/2014 tax returns. 5.22.17 Lender provided signed CPA Letter.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns, P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX in same business 18.49 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077 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. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) $12,251 which does not equate to the amount based on the Reg's formula of 502500-418188.58-72563.37= $11,748.05 5.5.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal:"Disagree with investor.  The XXX Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table.  However, per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). ( 1026.38(e)(6)).  For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $XXX (the Total Closing Costs) disclosed on the Final CD dated XXX is accurate because the Cash to Close to the borrower of $1,668.82 exceeds the Closing Costs Paid Before Closing of $695.00.  This is not a testing defect so corrective action is not required."*** Clayton rebuttal:  We used Final CD from XXX that was wet signed by the borrower.  $12,251.00 (closing costs) - $502.95 (paid before closing) = $11,748.50 in closing costs financed. 5.5.17 - Exception remains. Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX in same business 18.49 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077 CRDAPP157 Application Not Signed by Primary Borrower No Missing borrower's signature on the final 1003 and missing initial 1003 from XXX 5/04/2017 -  Lender provide the Borrower Signature on the Final 1003/3-27-17 and the 2/2/2017 1003. 5/04/2017 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX in same business 18.49 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077 CRDINC150 Income docs do not meet guidelines No 1) Missing borrower's signature on the 2015/2014 1040 tax returns, and the 1120S 2015/2014 tax returns, required per guidelines.2) Missing borrower's signature on the EOY 2016 P&L statement and Balance sheet, required per guidelines when > 4 months has elapsed since the last tax filing (2015). 5.22.17 Lender provided signed CPA Letter.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns, P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX in same business 18.49 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0720118077 CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No LTV of 75% exceeds guideline maximum of 70% for cash out refinance/primary residence.  Exception request in file for LTV variance up to 80%.  Comp Factors cited on exception:  810 FICO, lowering fixed rate 0.125%, long term employment (over 18 years), reserves of 33 months, mortgage history over 10 years with bank, 35% DTI versus 40% maximum. 5.4.17 Client rebuttal stating exception approved at the higher LTV, however exception remains as no cure for the LTV exception was provided 5.4.17 Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX in same business 18.49 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 90 points above Client guideline minimum of 720 for cash out refinances.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.26% DTI is below the maximum allowed DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves are 39.19 months PITI; Client guideline minimum required is 12 months.
0215673379 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS #XXX per1003 does not match NMLS listing shown as XXX 5.18.17 - Client provided exception approval to accept NMLS name variation. 5.18.17  Non-material exception. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.39 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been XXX for 20.20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379 CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late charge of 5% exceeds max allowed for New York properties of 2%. 5.10.17 - Data entry issue and now corrected.  5.10.17 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.39 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been XXX for 20.20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379 CRDATRQM3122 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. No Due to DTI of 47.43%.  Lender did not calculate the subject HOA dues of $847 in the DTI. 5.24.17 Lender states Final DTI < 43%. Lender only calculated monthly HOA in the amount of $580 (vs $847) in the subject PITIA payment. The full monthly PITIA payment for the subject property is $4,535.25 + $7,656.99 (liabilities) = $12,192.24 / $29,520 = 41.30 DTI.  However per appraisal dated 1.9.17  HOA fee is $847. 6.15.2017 Client provided updated status as Non QM loan 6.15.17 Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.39 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been XXX for 20.20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379 CRDDTI105 Debt Ratio Exception 5% or Less No DTI is 47.43%; guidelines allow 43% (to meet XXX).  Lender did not calculate in the HOA monthly amount of $847 for subject property.  5.24.17 Lender states Final DTI < 43%. Lender only calculated monthly HOA in the amount of $580 (vs $847) in the subject PITIA payment. The full monthly PITIA payment for the subject property is $4,535.25 + $7,656.99 (liabilities) = $12,192.24 / $29,520 = 41.30 DTI.  However per appraisal dated 1.9.17  HOA fee is $847.  5.24.17 Exception remains (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.39 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been XXX for 20.20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0215673379 PRVAPROP177 Property Issues Indicated No Subject condominium project has XXX units sold out of XXX; 31.225%.  Guidelines require at least 70% of units to be sold. 5.19.17 Lender provided final condo project acceptance dated XXX 5.19.17 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19.39 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been XXX for 20.20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned and resided in primary residence for 7 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x36; guidelines require 12 months.
0813172404 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) Missing 2016 Year End Profit and Loss Statement for XXX) Missing 2016 Year End Balance Sheet for XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 28 years at current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years
0813172404 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 28 years at current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years
0813172404 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No 1) Missing 2016 Year End Profit and Loss Statement for XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 28 years at current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years
0813172404 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No 2) Missing 2016 Year End Balance Sheet for XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 28 years at current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years
0813172404 PRVAPROP177 Property Issues Indicated No The subject property appears to be a XXX, borrower files Schedule F on tax returns.  Per guidelines this is unacceptable land use. 5.31.17 Client rebuttal Subject property is not a XXX; rural properties with excess acreage are limited to 80% LTV when property has more than 10 acres. LTV is 66.636%. Appraisal quality review was completed and property value at $XXX was supported and collateral deteremined to be acceptable for financing. Appraiser notes that XXX use is not sufficient to produce enough income for highest and best use, and does not exceed 20% of acreage. 5.31.17 Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 28 years at current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years
0813172404 PRVAPROP2556 Acreage exceeds property eligibility guidelines No The subject acreage of 48 acres exceeds the guideline maximum of 20% use for XXX use.  5.31.17 Client rebuttal Subject property is not a XXX; rural properties with excess acreage are limited to 80% LTV when property has more than 10 acres. LTV is 66.636%. Appraisal quality review was completed and property value at $XXX was supported and collateral deteremined to be acceptable for financing. Appraiser notes that XXX use is not sufficient to produce enough income for highest and best use, and does not exceed 20% of acreage. 5.31.17 Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 28 years at current job

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 5 years
0331144799 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing verification of PITI for property located at XXX2. Missing 2016 Year End Balance sheets for both XXX borrowers; Borrower Sched C and Co-Borrower 1120S. 3. Verbal verification of employment missing for both borrower's who are both XXXCo-Borrower;  Partner in XXX ownership interest. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns,  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.   5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been a XXX for the past 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799 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. No The Closing Costs Financed value of $6422.53 on the Calculating Cash to Close table of CD XXX does not match the Clayton calculation of $5830.65 since the Closing Costs Paid Before Closing value was not subtracted from the Total Closing Cost(J).  05.19.2017 - Lender responded that they disagree and that their Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table.  Lender stated that per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). ( 1026.38(e)(6)).  For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $XXX (the Total Closing Costs) disclosed on the Final CD dated XXX is accurate because the Cash to Close to the borrower of $187,744.44 exceeds the Closing Costs Paid Before Closing of $591.88.  This is not a testing defect so corrective action is not required. Exception remains.  Clayton Compliance reviewed and noted that the regulation is clear on how to determine the amount financed by the loan on the CD.  CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $0. 5.19.17- Exception remains Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been a XXX for the past 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No 0% tolerance fees increased between LE XXX and CD XXX by $167.88. The Credit Report fee increased and the Appraisal Fee increased. The lender included a credit of $150 for the increase but it is not sufficient. 05/17/2017 - Lender stated that they agree and that Appraisal fee increased by $150 and Credit Report fee increased by $18 on the initial CD issued XXX  Lender stated that they are unable to validate Appraisal fee increase and a $150 Over Tolerance credit was issued in Section J of the consummation CD issued XXX.  Lender also stated that the Credit Report increase was valid but the increase was disclosed outside of the 3 days from date of knowledge and there was no credit for the increase to this fee in Section J.  Lender stated that borrower would be due a refund of $18 to cure the variance in the 0% category.  Lastly, lender stated that a remediation request sent to CDCR XXX.05/18/2017: Lender provided corrected post close CD, LOX, and copy of refund check for credit report tolerance refund of $18.00. 05/19/2017: Condition remains for Missing proof of delivery.6.2.17 - Lender provided attestation that they mailed via XXX. 6.2.17 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been a XXX for the past 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for property located at XXX 5.25.17 - Does not meet ATR without PITI verification from some method.5.31.17 Client provided PITI for XXX 5.31.17 Exception satisfied (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been a XXX for the past 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799 CRDINC2488 Verbal verification of employment missing No Verbal verification of employment missing for both borrower's who are both XXX; Borr: XXXCo-Borrower;  Partner in XXX ownership interest. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been a XXX for the past 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0331144799 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing 2016 Year End Balance sheets for both XXX borrowers; Borrower Sched C and Co-Borrower 1120S.   05.16.17 Lender provided a copy of the 1120S however the doc is not signed.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns,  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been a XXX for the past 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid score of 758 exceeded the guideline requirement of 740 by 18 points.
0103440112 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing 2016 YTD Profit and Loss statement for XXX2. Missing Year End 2016 Balance Sheet for XXX 3. Missing copy of the Note for the borrower Notes Receivable income of XXX monthly to support its continuance for a minimum of 3 years after the note date of XXX 05.10.17 Lender provided a copy of the 2016 P&L Statement and the Notes receivables for $5833.00, however, the balance sheet is still missing.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX with same company for the past 31 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112 CRDINC2488 Verbal verification of employment missing No Missing CPA letter dated within 30 days of the Note date.  (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX with same company for the past 31 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112 CRDINC3204 Income Documentation Missing No Per guidelines, a copy of the Note for the borrower Notes Receivable income of 5833.00 monthly; need to support income will continue for a minimum of 3 years after the note date of XXX 05.10.17 Lender provided a fully executed copy of Note for $5833.00 per month showing it will continue for 4 additional years. 05.10.17 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX with same company for the past 31 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing 2016 YTD Profit and Loss statement for XXX 05.10.17 Lender provided a copy the P&L for XXX 05.10.17 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX with same company for the past 31 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0103440112 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Year End 2016 Balance Sheet for XXX 05.10.17 Lender provided a copy of the P&L the Yr End. Bal sheet for 2016 for XXX is missing.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX with same company for the past 31 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 30.03/34.49, max allowed is 36/43

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV is 38.59%; max allowed on C/O is 70%.
0066248376 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) File is missing the 2014 W2 for B2. 2) File is missing a YTD balance sheet for B2's business. *Please Note* P&L and Balance sheets are required to be dated at least through the most recent quarter that ends 1 month prior to the application date. 5/9/17: Lender provided 2 years w2's. and P&L; Balance Sheet still missing. 5.22.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal:" 1- 2014 W2 for B2 was not required.  2- Per lender guidelines, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. " However, P and L and Balance Sheet is a appendix Q requirement. 6.15.17 Client provided updated status of loan as Non QM 6.16.17 Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 12.84 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 is 116 points above minimum program requirement of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower XXX with same business for 6.75 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  26.10 months PITI reserves. 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.06% DTI is below the maximum allowed DTI of 43%.
0066248376 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 12.84 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 is 116 points above minimum program requirement of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower XXX with same business for 6.75 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  26.10 months PITI reserves. 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.06% DTI is below the maximum allowed DTI of 43%.
0845772901 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: 1) The 2015 W2 for primary borrower is illegible.  2) Written verification of 2 year history of bonus income, and likelihood of continuance, from primary borrower employer.   Lender utilized bonus income in the DTI. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The individual loan originator's name on the file documents does not match the NMLS license name.  The file documents include only the middle initial.  License shows middle name spelled out. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPTRID4229 TRID - CD: The Prepaids total amount disclosed in the CD Other Costs section does not equal its component parts No On CD XXX Prepaid section is not calculated correctly and shows a total of $23503.15 that should be $14655.65. Corrected on CD XXX (No Data) 4/27/2017: exception satisfied since the error was correctly re-disclosed. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPTRID4232 TRID - CD: The Total Other Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts No On CD XXX the Other Costs Subtotals in section I value of $30668.15 is incorrect since the Prepaids section is miscalculated. The Prepaids total reflected as $23503.15 should be $14655.65. Corrected on CD XXX (No Data) 4/27/2017: exception satisfied since the error was correctly re-disclosed. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPTRID4233 TRID - CD: The Other Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts No On CD XXX the Total Other Costs section I value of $30668.15 is incorrect since the Prepaids section is miscalculated. The Prepaids total reflected as $23503.15 should be $14655.65. Corrected on CD XXX  (No Data) 4/27/2017: exception satisfied since the error was correctly re-disclosed. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPTRID4235 TRID - CD: The Total Closing Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts No On CD XXX the Total Closing Costs value of $36922.03 is incorrect since the Prepaids section is miscalculated. The Prepaids total reflected as $23503.15 should be $14655.65. Corrected on CD XXX (No Data) 4/27/2017: exception satisfied since the error was correctly re-disclosed. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPTRID4236 TRID - CD: The Closing Costs subtotal (Borrower Paid at Closing) amount disclosed in the CD Other Costs section does not equal its component parts No CD XXX Section: Other Costs, (D+I) Borrower Paid at Closing amount $36,351.03 and Section: Other Costs, (D+I) Clayton Borrower Paid at Closing amount $27,503.53 do not match due to a calculation error of the Prepaids total section F, however this has been XXX (No Data) 4/27/2017: exception satisfied since the error was correctly re-disclosed. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No 10% tolerance fee increase between LE XXX and CD XXX by $226. The Recording-Mortgage fee increased without valid documentation. Lender included a credit of $124 for the increase but it is not sufficient. 5.31.2017 lender response Agree with investor. The Title Related fees were considered not referred based on the consummation CD and Providers of Service in file. The initial baseline consisted of the Recording fee only in the amount of $226 according to the initial LE in file issued XXX The Recording fees increased to $556 on the initial CD issued XXX without a valid change circumstance. The Recording fees were under-disclosed by $256, which would result in a refund due to the borrower in the amount of $226. There was an Over Tolerance Credit of $125 disclosed in Section J of the consummation CD; however, it is not sufficient to cover the full variance amount. The borrower would be due an additional refund of $101.  Refund to the borrower of $101 and new CD reflecting an additional $101 over tolerance credit is required to cure the defect.  Remediation request sent to CDCR XXX-6.1.17 -  Lender rebuttal UPDATE: Attached are the documents that were sent to borrower (new Closing Disclosure, letter, refund check) 6.1.17 - Clayton received the PCCD, letter and refund check. 6.1.17 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing verification of borrower's rental payment history for their current residence in XXX. Unable to determine if rental payment history meets the guideline requirement of 0x30 for prior 12 months. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CRDDTI106 Debt Ratio Exception >5% and <10% No DTI of 44.21% exceeds Client guideline maximum of 43%.  Difference from lender's 1008 DTI of 42.422% due to: 1) Review subject property tax based on settlement agent's estimated annual tax of $28,257.76/12 months = $2,354.80/month; lender used $1,900.07/month. 2) Review included prop tax, haz ins, and HOA fees at $1,742.25/month for XXX for a total PITIA at $6,493.53/month; lender used P&I payment only at $4,751.28/month in the DTI.  (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CRDINC3204 Income Documentation Missing No Missing the initial and closing 4506T signed by borrowers, required per guidelines. 5.31.17 Lender response Relocation loan, initial 4506-T not required.  Unable to procure a final signed 4506-T.6.14.19 - Clayton has reviewed and considers non-material based on compensating factors of cash reserves $904,198 and qualifying credit score of 798.  5.31.17 Exception remains6.14.19 - Exception remains.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0845772901 CRDINC2408 Income verification does not meet guidelines No 1) The 2015 W2 for primary borrower is illegible. 2) Missing written verification of 2 year history of bonus income, and likelihood of continuance, from primary borrower employer, required per guidelines. Lender utilized bonus income in the DTI. 5.31.17 -  Client provided the offer letter, however the written verification of 2 year history of bonus income 5.31.17 - Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Primary borrower employed 14 years in same profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 55.94%; maximum permitted is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 85.26 months PITI; requirement is 12 months.
0917509116 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1.File missing CPA letter verifying XXX for B1.2. Missing P&L and Balance Sheet for B1. 5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing P&L/ Balance Sheet/ & CPA.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Alias for XXX, is not listed on NMLS site. 5.18.17 - Client provided exception approval to accept NMLS name variation.5.18.17 - Clayton has reviewed and Alias is considered non-material.  5.18.17  Non-material exception.5.18.17 - Client requested waive.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116 CRDINC2488 Verbal verification of employment missing No File missing CPA letter verifying XXX for B1. 5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing CPA letter or third party verification of business. 5.20.17 Exception Remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No File missing signed P&L for schedule C business "XXX". 5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing P&L.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No File missing signed Balance Sheet for Schedule C business "XXX 5.20.17 Lender provided 2016 Misc 1099 and a pay history. Still Missing Balance Sheet.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116 PRVAAPPR3116 Missing updated valuation No Missing updated valuation 4.19.17 Desk Review received value indeterminate dated XXX, value not supported. Field Review recommended. 4.19.17 Exception Satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0917509116 PRVAVALU153 Value Not Supported No 4.19.17 Field Review Ordered.  5.1.17 Field Review received valued at $XXX, value supported.  5.1.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is a XXX with 13 yrs in his profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1, Primary wage earner, middle credit score 756.  Bwr exceeds 720 credit score requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have ample reserves in liquid accts and retirement meeting 12 mth PCL requirement.
0808516003 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide 2016 year end P and L and balance sheets for XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No HO Counseling List not found in file. 5/15/17 - Lender provided HOC disclosure Exception satisfied. 5/15/17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CMPROR113 ROR - Missing Right of Rescission form No ROR not found in file. 5/15/17 - Lender provided ROR disclosure. Exception satisfied. 5/15/17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Service Provider List not found in file. 5/15/17 - Lender provided SPL disclosure. Exception satisfied. 5/15/17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing Profit and Loss statements for the Borrower's businesses, XXX. Current quarter statement through date of 12/31/2016 is required.  5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Balance Sheet statements for the Borrower's businesses, XXX. Current quarter statement through date of 12/31/2016 is required.  5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 CRDINSR848 Missing Hazard Insurance No Missing current Hazard Insurance policy for the subject property.  5.20.17 Lender provide proof of homeowners for property 5.20.17 Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0808516003 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the FEMA Disaster XXX - Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. 5.23.17 Post Disaster Inspection confirm no damages to property. 5.23.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 787; minimum required credit score per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 28.35%; max allowed DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70%; max allowed LTV per guidelines is 80%.
0681714584 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file 5.15.17- HOC list provided 5.15.17- Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  599 months PITIA have been verified.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrower has resided in his primary residence 44+ years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0681714584 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided 5.15.17- SPL provided 5.15.17- Exception Satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  599 months PITIA have been verified.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrower has resided in his primary residence 44+ years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0681714584 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  599 months PITIA have been verified.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrower has resided in his primary residence 44+ years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0681714584 CRDINC3204 Income Documentation Missing No Missing signed pages of 2015 & 2014 personal tax returns for both and 2015 & 2014 business returns for co-borrower. 05.18.17 Lender provided a copy of the  2015 & 2014 personal tax returns for both and 2015 & 2014 business returns for co-borrower, however, there are no signatures on the docs. 5.25.17 - Lender provided validation of the CPA Pin # on the Personal and Business Tax Returns, however borrower signature is required.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  Signed Tax Returns  are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  599 months PITIA have been verified.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrower has resided in his primary residence 44+ years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.26% is below guideline requirements of 80% by 22.74 points.
0564024477 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: - Missing the credit report utilized for DTI and mortgage payment history.  - Missing income documentation needed to complete review of the qualifying income: 1) Current pay stubs for B2 & 2016 and 2015 W2s for co-borrower or WVOE. 2) 2014 1040 tax return, all schedules, signed by both borrowers 3) Co-borrower employer to verify months paid per year. 4) Missing Year End 2016 Balance Sheet for primary borrower's schedule C business, required per guidelines.  05.16.17 Lender provided a copy of the credit report, pay stubs, 2015 W2, 2014 1040 signed by both borrowers and VVOE, however WVOE showing the number of months per year b2 is paid.5.22.17 - Lender provided number of months borrower is paid. 5.22.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CMPDOC2514 Mortgage/Deed of Trust has not been recorded and/or sent for recording No Missing copy of the executed Deed of Trust, to include the legal description exhibit. 5/10/2017 - Lender provided the executed Deed of Trust. 5/10/2017 - Exception Satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CMPDOC796 Missing Title No Missing copy of the title commitment from the file. 5/10/2017 - Lender provided the Title commitment. 5/10/2017 - Exception Satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CMPDOC806 Notary Status is missing No Mortgage in the file is not notarized or signed by the borrowers. 5/10/2017 - Lender provided the notarized Mortgage, signed by borrowers. 5/10/2017 - Exception Satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CMPDOC869 Mortgage not signed No Missing copy of the fully executed Deed of Trust. 5/10/2017 - Lender provided the fully executed Deed of Trust. 5/10/2017 - Exception Satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing 12 months prior mortgage history 0x30; credit report missing from file.  05.16.17 Lender provided a copy of the credit report showing the mortgage history  12 mos 0x30 05.16.17 Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Missing the credit report from the file to determine if borrower meets minimum tradeline requirements.  05.16.17 Lender provided a copy of the credit report showing trade history borrower has more than 4 trades. 05.16.17 Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDCRMH189 Missing credit report No File is missing credit report used for qualification.  05.16.17 Lender provided copy of credit report. 05.16.17 Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDINC2408 Income verification does not meet guidelines No Missing income documentation required per guidelines to complete review of the qualifying income: 1) Current pay stubs for B2 & 2016 and 2015 W2s for co-borrower or WVOE.2) 2014 1040 tax return, all schedules, signed by both borrowers 3) Co-borrower employer to verify months paid per year. 05.18.17 Lender provided a copy of 1) Current pay stubs for B2 & 2016 and 2015 W2s for co-borrower and a VVOE.2) 2014 1040 tax return, all schedules, signed by both borrowers. 1) WVOE from employer to verify months paid per year as co-borrower is a teacher total 11 months 05.18.17 Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDINC3204 Income Documentation Missing No Missing the initial and closing 4506T forms signed by both borrowers. 05.16.17 Lender provided a copy of initial and final 4506T. 05.16.17 Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Year End 2016 Balance Sheet for primary borrower's schedule C business, required per guidelines. 05.16.17 Lender provided a copy of the P&L statement. Requested a copy of the balance sheet.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDLGL2277 Note Not Executed No Missing copy of the fully executed Note.  5/10/2017 - Lender provided the fully executed Note. 5/10/2017 - Exception Satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0564024477 CRDLGL4033 Missing Legal Document(s) No Missing copy of the executed purchase contract for subject property.  Unable to determine if sales price of $XXX matches the final Closing Disclosure. 05.16.17 Lender provided a copy of the signed purchase contract for XXX 05.16.17 Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Departing residence owned 20.61 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Primary borrower XXX in same business 5.87 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been employed 25.60 years with current employer.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 38.36%; maximum permitted is 80%.
0634340581 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS License verification found Loan Originator Name does not match ID. NMLS shows name as XXX 5.18.17 - Client provided exception approval to accept NMLS name variation. 5.18.17  Non-material exception. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  23.53 LTV below guideline requirements.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  453.53 months verified cash reserves exceed guidelines.
0634340581 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing P&L statement for B2 XXX.  Provide current profit and loss for B2 to support income used for qualifying.   5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  23.53 LTV below guideline requirements.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  453.53 months verified cash reserves exceed guidelines.
0634340581 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing balance sheet for B2 XXX.  Provide current balance sheet to support B2 income used for qualifying.   5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  23.53 LTV below guideline requirements.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  453.53 months verified cash reserves exceed guidelines.
0876017365 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: 1). Provide signed and dated 2015 & 2014 1040 tax returns. 2). Provide signed and dated 2015 & 2014 1120 S business tax returns. 3). Provide the Verbal VOE within 30 business days of the Note signing date of XXX 5.15.17 Client rebuttal Per lender guidelines iftaxreturnsare signed, stamped, or include a letterhead prepared by the CPA or a PreparerTaxIdentification Number (PTIN), acceptable for underwriting; no further signatures were required. However, signature is appendix Q requirement.  5.15.17 Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 exceeds the minimum required of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.10% DTI is below the maximum per guidelines of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  The Mortgage history on the credit report shows 76 months reviewed 0 x 30;  the minimum required by guidelines is 12 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower significant time as XXX for 10.22 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided at current residence for 6.72 years.
0876017365 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 exceeds the minimum required of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.10% DTI is below the maximum per guidelines of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  The Mortgage history on the credit report shows 76 months reviewed 0 x 30;  the minimum required by guidelines is 12 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower significant time as XXX for 10.22 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided at current residence for 6.72 years.
0876017365 CRDINC2488 Verbal verification of employment missing No Provide the Verbal VOE third party verification of Borrower's business within 30 days from the Note signing date of XXX 05.18.17 Lender provided a copy of the VVOE dated XXX 05.18.17 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 exceeds the minimum required of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.10% DTI is below the maximum per guidelines of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  The Mortgage history on the credit report shows 76 months reviewed 0 x 30;  the minimum required by guidelines is 12 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower significant time as XXX for 10.22 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided at current residence for 6.72 years.
0261449590 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: 1).  File is missing evidence the payment of $2,885 for the borrowers' departure residence (XXX) that includes escrows for taxes and insurance.2).  File is missing 3rd party verification of the existence of B1's XXX 7.13.17 - Lender's rebuttal:  1.) Unable to locate a document to evidence the payment of $2,885 for the borrowers' departure residence includes escrow for taxes and insurance. 2.) VVOE for B1's XXX - Lender provided a screenshot of UW notes attesting the borrower is XXX which is not sufficient.Client has re-designated as Non-QM and meets ATR.  7.13.17 - Exception remains.Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  42.97% LTV is 37.03% less than the maximum program LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above minimum program requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  42.19 months PITI reserves.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.39% DTI is below the maximum allowed DTI of 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 8.22 years.
0261449590 CRDDTI2540 Missing verification of some or all components of non-subject PITI No File is missing evidence the payment of $2,885 for the borrowers' departure residence (XXX) that includes escrows for taxes and insurance. 7.13.17 - Lender rebuttal:  Unable to locate a document to evidence the payment of $2,885 for the borrowers' departure residence includes escrow for taxes and insurance. 7.13.17 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  42.97% LTV is 37.03% less than the maximum program LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above minimum program requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  42.19 months PITI reserves.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.39% DTI is below the maximum allowed DTI of 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 8.22 years.
0261449590 CRDINC2488 Verbal verification of employment missing No File is missing 3rd party verification of the existence of B1's XXX 7.13.17 - Lender provided a screenshot of UW notes attesting the borrower is XXX which is not sufficient. 7.13.17 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  42.97% LTV is 37.03% less than the maximum program LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above minimum program requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  42.19 months PITI reserves.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.39% DTI is below the maximum allowed DTI of 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with same employer for 8.22 years.
0390206785 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) Missing a signed P&L Statement for B1 business XXX2) Missing a signed Balance Sheet for B1 business XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The Loan Officer's signed copy of the loan application listed as XXX The final 1003 and Note as XXX. The NMLS verification listed as XXX 5.18.17 - Client provided exception approval to accept NMLS name variation. 5.18.17  Non-material exception. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file 5/15/17 - HOC List provided Dated XXX 5/15/17 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form 5/15/17 - Signed ROR for all Borrowers Provided 5/15/17 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 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. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) is 5632.48 which does not equate to the amount based on the Reg's formula of $XXX (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided 5/15/17 - SPL provided Dated XXX 5/15/17 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Borrower is short PCL (post closing liquid assets.) Borrower has $3,355.27 documented non-retirement liquid assets Guidelines only permit 50% of PCL to be retirement assets.12 months reserves required equaling $89,636.04.  Exception approved by XXX (No Data) After further review, exception is non material. Borrower has excellent credit, low LTV and plenty of non liquid reserves. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CRDINC150 Income docs do not meet guidelines No 2016 P&L and Balance Sheet for B1 business XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing a signed P&L statement for B1 business XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing a signed Balance Sheet for B1 business XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review. 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0390206785 CRDLGL100 Legal document incorrect or incomplete No Missing the Specific Power of Attorney for transaction as B1 signed as attorney in fact for B2. 5.20.17 Lender provided  executed Power of Attorney 5.20.17 Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.575%, max LTV is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.63% DTI is below the maximum of 43%
0675741198 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing 2016 YTD Profit and loss Statement for XXX.2. Missing 2016 YTD Balance Sheet for XXX. 5.30.17 Lender response Per lender guidelines for XXX, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. However  P&L and/or balance sheet are still outstanding.Client has re-designated as Non-QM. Clayton has reviewed and meets ATR.  5.30.17 - exceptions remains.Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 800 is 120 points above the required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS Reflects the LO name as XXX XXX with no alternative names, documents executed as XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 800 is 120 points above the required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198 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. No CD dated XXX, Calculating Cash to Close, Closing Costs Financed, Final Value of $4,534.68 does not take into account the $649.88 that was paid prior to closing ($4,534.68 - $649.88 = $3,884.80). (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 800 is 120 points above the required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing 2016 YTD Profit and loss Statement for XXX 5.30.17 Lender response Per lender guidelines for XXX, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. However  P&L and/or balance sheet are still outstanding.6.22.17 - Upon further Clayton review, with change to a Non-QM status P&L can be non-material. 6.22.17 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 800 is 120 points above the required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Has been with her employer for 28 years and 4 months.
0675741198 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing 2016 YTD Balance Sheet for XXX 5.30.17 Lender response Per lender guidelines for XXX, transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is self-prepared or waived. However  P&L and/or balance sheet are still outstanding.6.22.17 - Upon further Clayton review, with change to a Non-QM status P&L can be non-material. 6.22.17 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33.53% is 36.47% lower than the maximum LTV of 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17% is 26% lower than the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score 800 is 120 points above the required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Has been with her employer for 28 years and 4 months.
0279313615 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: Provide property tax bill and HOA dues to support PITIA property expenses for primary residence at XXX 5.19.17  Lender provided page 1 of Appraisal indicating the HOA and property taxes.   Missing insurance premium amount.  Provide HOI for primary residence at XXX6.19.07 Lender provided updated ATR QM status as a Non QM 6.19.17 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 representative score exceeds the GL min of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 17 years in current job.
0279313615 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name. 5.10.17 Client XXX waive issues related to exact name matches on NMLS. 5.10.17 Final Grade B.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 representative score exceeds the GL min of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 17 years in current job.
0279313615 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide property tax bill and HOA dues to support PITIA property expenses for primary residence at XXX 5.19.17  Lender provided page 1 of Appraisal indicating the HOA and property taxes.   Missing insurance premium amount.  Provide HOI for primary residence at XXX 5.19.17 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 representative score exceeds the GL min of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 17 years in current job.
0279313615 CRDINC3204 Income Documentation Missing No Provide the fully executed Initial and Final 4506-T as all are blank in the file. 5.19.2017 -Lender provided  fully executed Initial and Final 4506-T. 5.19.2017 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $270,312.78 or 102.72 months PITI reserves.  guidelines require 18 months for subject and 6 months for retained primary residence.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 representative score exceeds the GL min of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 17 years in current job.
0754880233 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation, required per Appendix Q, to complete the ATR/QM status determination review:Provide a completed VVOE within 20 business days of the Note signing date.  05.11.17 Lender provided a copy of the XXX Feedback certificate. Loan reviewed to underwriting guidelines, not feedback certificate. Please provide a copy of the VVOE.6.19.17 Client provided updated ATR QM status as a Non QM loan 6.19.17 Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 18.85%; max allowed DTI per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been an XXX for 20.90 years.
0754880233 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS License verification found Loan Originator Name does not match ID - LO name in NMLS includes middle name, no name variation without middle name. 5.10.17 Client XXX waive issues related to exact name matches on NMLS. 5.10.17 Final Grade B.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 18.85%; max allowed DTI per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been an XXX for 20.90 years.
0754880233 CRDINC2488 Verbal verification of employment missing No Provide a completed VVOE within 30 business days of the Note signing date.  05.11.17 Lender provided a copy of the XXX Feedback certificate. Loan reviewed to underwriting guidelines, not feedback certificate. Please provide a copy of the VVOE. 05.11.17 Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 18.85%; max allowed DTI per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been an XXX for 20.90 years.
0733283060 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: 1).  Provide the taxes and insurance for XXX Mortgage Statement has P&I (other screenshots are for primary residence only)**additional exceptions may apply with regards to DTI.2).  5.78% back end DTI shortfall.  The back end DTI of 48.78% is 5.78% > maximum allowed DTI of 43.00%.  5.25.17 Lender provided PITIA for XXX $2,188.61. DTI still exceeds 43% by 1.84% exception remains. 5.25.17 Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060 CRDATRQM3122 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. No Missing documentation, required per Appendix Q, to complete the ATR/QM status determination review:3.54% back end DTI shortfall. The back end DTI of 46.54% is 3.54% > maximum back end DTI of 43.00%. 5.25.17  Lender provided PITIA for XXX $2,188.61. DTI still exceeds 43% by 1.84% exception remains.6.15.17 Client provided supplemental data showing loan as Non QM 6.15.17 Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060 CRDDTI106 Debt Ratio Exception >5% and <10% No 5.78% back end DTI shortfall.  The back end DTI of 48.78% is 5.78% > maximum allowed DTI of 43.00%. 5.25.17  Lender provided PITIA for XXX $2,188.61. DTI still exceeds 43% by 1.84% exception remains. 5.25.17 Exception remains (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide the taxes and insurance for XXX Mortgage Statement has P&I (other screenshots are for primary residence only)**additional exceptions may apply with regards to DTI. 5.25.17  Lender provided PITIA for XXX $2,188.61.  5.25.17 Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060 PRVAAPPR3116 Missing updated valuation No Missing XXX 5/11/2017 - Desk review received with a value of $XXX. Original appraisal value is supported. 5/11/2017 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 8 years in his profession.
0733283060 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the FEMA Disaster XXX - Severe Winter Storms, Flooding, and Mudslides. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. 5.22.17 Post Disaster Inspection confirm no damages to property. 5.22.17 Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments on their credit report in the last 36 months 0 x 30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 8 years in his profession.
0830874307 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to complete the ATR/QM status determination review: Provide the Verbal VOE within 30 days from the Note signing date of XXX 5.24.17 - Lender provided notes about a XXX.  Missing verification of business within 30 days of note.  Provide verification of business6.19.17 Client provided updated ATR QM status as a Non QM loan 6.19.17 Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in the current primary residence 14.60 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 37.30 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint credit score of 782 exceed guideline requirements of 680 by 102 points.
0830874307 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The Loan Officer's name as it appear on the 1003, Note and Deed of Trust  (XXX) does not match the name listed on the NMLS website XXX 5.18.17 - Client provided exception approval to accept NMLS name variation. 5.18.17  Non-material exception. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in the current primary residence 14.60 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 37.30 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint credit score of 782 exceed guideline requirements of 680 by 102 points.
0830874307 CRDINC2488 Verbal verification of employment missing No Provide the Verbal VOE within 30 days from the Note signing date of XXX 5.24.17 - Lender provided notes about a XXX.  Missing verification of business within 30 days of note.  Provide verification of business 5.24.17 Exception remains. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in the current primary residence 14.60 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 37.30 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint credit score of 782 exceed guideline requirements of 680 by 102 points.
0603856189 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide year to date 2018 balance sheet and P&L for XXX business. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is 70.00%, which is 10.00 % less than the guideline max of 80.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $575.883.80 in post-closing reserves, which is $346.608.44 more than the guideline required amount of $229.275.36, or 90 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of 769, which is 69 points higher than the guideline requirement of 700.
0603856189 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is 70.00%, which is 10.00 % less than the guideline max of 80.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $575.883.80 in post-closing reserves, which is $346.608.44 more than the guideline required amount of $229.275.36, or 90 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of 769, which is 69 points higher than the guideline requirement of 700.
0603856189 CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception for XXX. Compensating factors include low DTI, 10 times more reserves than required and high residual income.  (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is 70.00%, which is 10.00 % less than the guideline max of 80.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $575.883.80 in post-closing reserves, which is $346.608.44 more than the guideline required amount of $229.275.36, or 90 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of 769, which is 69 points higher than the guideline requirement of 700.
0733482960 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing 2016 verification of bonus income.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $314,326.52 or 71.84 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 12 years.
0733482960 CRDDTI105 Debt Ratio Exception 5% or Less No Missing verification of 2016 bonus income; as a result the calculated DTI is 46.16% (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $314,326.52 or 71.84 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 12 years.
0733482960 CRDINC888 Income Amount is  Unsupported by Documentation in File Yes Missing verification of 2016 bonus income 8.1.18 - Client responded. "Agree with findings.  Paystub dated 07/28/2017 documents $16,000 discretion bonus paid in 2017 but unable to locate documentation to support 2016 bonus income.   8.1.18 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $314,326.52 or 71.84 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 12 years.
0305768815 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Year to Date Balance Sheet for XXX, Sch C thru May 2018 as required for ATR/QM.  8.17.18 - Client responded. Lender guidelines permit decisioners to waive balance sheet requirements for XXX borrowers. 8.17.18 - Clayton has reviewed clients response and although clients guidelines allow for underwriter to omit the need for the balance sheet; ATR/QM requires the document.  8.17.18 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.21  max 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0305768815 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client requested re-status to Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.21  max 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0305768815 CRDAST115 Cash reserves do not meet guidelines No Lender Exception made for borrower being Short 6 Months Liquid PCL. Compensating Factors: Fixed verses ARM, Credit Score 780, Housing 26.78% verses 36%, Debt Ratio less than max 45%, LTV 66.67% verses max 80%, Long Term Mortgage History, Based on credit report profile late payments reported appear to be isolated, both borrowers long term in profession, counting the current residence in Ratio, However CD provided and email from borrower states he is selling and closing home on XXX a day before closing subject. Will Net 600,000 in proceeds when he does close. Excellent Residence. Non Material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.21  max 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0305768815 CRDLGL2550 Missing HUD-1 from sale of property No Provide a copy of FINAL CD from sale of the XXX, showing loan with XXX loan #XXX has been paid in full. 8.17.18 - Client responded. Settlement statement to document the sale of property XXX (XXX paid in full) attached. 8.17.18 - Clayton has reviewed clients response and Settlement Statement provided as required.  8.17.18 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.21  max 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrower's have been in the same line for more than 10 years
0193295640 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing copy of P&L and Balance Sheet 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV xxx% below 70% guidline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds minimum 680 score requirement
0193295640 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. No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $-23,004.75vs. Calculating Cash to Close, Field: System Calculation, Value: $22,309.75 the difference is the $895 closing cost paid before closing.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV xxx% below 70% guidline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds minimum 680 score requirement
0193295640 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client requested status change to Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV xxx% below 70% guidline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 790 exceeds minimum 680 score requirement
0912035228 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Guidelines requirement YTD P&L and Balance Sheets for all XXX if more than 4 mos. has lapsed since the last fiscal year end. Fiscal end was XXX. Subject loan closed XXX. Need XXX YTD P&L's and Balance Sheets for XXX; XXX; and XXX. 8.21.18 - Client responded. Lender guidelines permit decisioners to waive profit & loss statements and balance sheet requirements for XXX borrowers. 8.21.18 - Clayton has reviewed the clients response and although lender guidelines allow the underwriter to waive the need for P&L's or a Balance sheet they are required for ATR/QM.  8.21.18 - Exception remains.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 12 years 6 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228 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. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5070.01CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4450.01. Difference is $620 for POC appraisal fee.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 12 years 6 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized.  (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 12 years 6 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client requested status change to Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 12 years 6 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228 CRDDTI2540 Missing verification of some or all components of non-subject PITI No No documentation was located in file to support tax expense of $559.46 on XXX and hazard expense of $61.07 for XXX.  Provide satisfactory documentation to support both expenses used to qualify.  8.21.18 - Client responded. Missing components of non-subject PITI for properties XXX attached. 8.21.18 - Clayton has reviewed clients response and documentation provided to verify PITI for properties and XXX as required.  8.21.18 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 12 years 6 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0912035228 CRDTER3124 Loan documents do not meet guideline requirements No Borrowers qualified with XXX owned F&C of liens. No documentation was located in file to support property is owned free and clear of liens. Provide satisfactory evidence to support property is free and clear of liens. 8.21.18 - Client responded. Documentation to support property XXX is owned free and clear of liens attached (Schedule E in XXX Tax Return, page 9). 8.21.18 - Clayton has reviewed the clients response and documentation provided to reflect the property was free and clear.  8.21.18 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 31.63% below program requirement 70.00%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 12 years 6 months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 15 years same line of work.  Borrower 2 has 20 years same line of work.
0588980730 CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Due to Post Close discovery of property taxes being incorrect subject PITI increases to $9061.95 which subsequently increases DTI to 43.06% and over the 43% allowed per QM. Lender Status QM XXX and Clayton Status ATR Risk: Non-QM - Lender did not document all ATR UW factors.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0588980730 CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Due to Post Close discovery of property taxes being incorrect subject PITI increases to $9061.95 which subsequently increases DTI to XXX% and over the 43% allowed per QM.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0588980730 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Due to Post Close discovery of property taxes being incorrect subject PITI increases to $9061.95 which subsequently increases DTI to 43.06% and over the 43% allowed per QM.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0588980730 CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Post Close lender discovered subject property consists of two units in a condo project that were legally combined. Legally considered one unit however property address and legal description still reflect both units and tax parcels were never combined. Property taxes were based on one unit and not both as it should have been. Property taxes should be $2373 per month instead of $1206.52. This increases overall PITI to $9061.95 and DTI to 43.06%.  10.30.19 - Clayton has reviewed and subject loan has been re-status to Non-QM for DTI over 43%. Clayton deems non-material based on compensating factors of Loan has 115.50month PITI reserves $901,344.80 & Mortgage history reviewed 59 month with 0x30 late. Borrower meets ability to repay.  (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed 59 month with 0x30 late.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 115.50month PITI reserves $901,344.80.
0222821814 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing 2017 1040s and 1120s for XXX. Filing ext were provided the but the note date is XXX.  2017 Tax docs are required after 10/18.  Income to be re-calculated upon receipt.2. Missing verification of business existence for XXX 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9 years
0222821814 CRDINC3204 Income Documentation Missing No Missing 2017 1040s and 1120s for XXX. Filing ext were provided the but the note date is XXX.  2017 Tax docs are required after 10/18.  Income to be re-calculated upon receipt.  Downgraded to non-material.  2.15.19 - Client responded. 2017 1040s and 1120s for XXX 2.15.19 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9 years
0222821814 CRDINC2488 Verbal verification of employment missing No Missing verification of business existence for XXX. 2.15.19 - Client responded. Verification of business existence for XXX 2.15.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9 years
0222821814 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 2.13.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX 2.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post close reserves in the amount of $421,802.65.  Reserves required $4404.36  x 12 = $52,852.32

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9 years
0187716302 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation of REO expenses for the following properties XXX missing insurance,  XXX missing taxes, collateral property missing HELOC statement from XXX 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 24.68 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 have been on current job for 25.60 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in the same profession for 25 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months
0187716302 CRDDTI2540 Missing verification of some or all components of non-subject PITI No 1. Missing hazard insurance policy for XXX to support the monthly premium of $333 per loan application. 2. Missing documentation for XXX XXX to support the monthly HELOC amount of $774 reflected on the loan application. The credit report dated 12/10/2018 reflects $488 monthly. 3. Missing documentation of tax and insurance for the rental property located at XXX. The taxes and insurance reported on the 2017 1040s are less than what is reflected on the loan application.Clayton deems non-material due to low DTI of 31.45% and Cash reserves in excess of 2.6 million dollars.  2.15.19 - Client responded. 1- Unable to locate insurance expense for property XXX. Insurance expense used to qualify was $333/mo from executed 1003.  2- Documentation of taxes for property XXX attached. 3- XXX HELOC statement from non-subject property (XXX) was not required. 2.15.19 - Exception remains.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 24.68 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 have been on current job for 25.60 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in the same profession for 25 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months
0134859397 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing 2017 most recent quarter Profit and Loss for B1 Schedule C XXX2. Missing most recent quarter Balance Sheet for B1 Schedule C XXX 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed on current job for 16 years and 11 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397 CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Earliest expiration date per ROR is XXX and Disbursement date per CD XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed on current job for 16 years and 11 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Earliest expiration date per ROR is XXXPlease provide LOX, CD, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery. 2.15.19 - Client responded. "Agree.  Disbursement date on Final CD executed by consumers on XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation requested.6.19.19 - Client responded. Corrected PCCD dated XXX and LOX to borrower provided and corrects error.  2.15.19 - Exception remains. 6.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed on current job for 16 years and 11 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397 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. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 2058.20 actual calculation 1422.77 closing costs 2058.20 - POC 635.43 = 1422.77 (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed on current job for 16 years and 11 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing 2017 most recent quarter Profit and Loss for B1 Schedule C XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed on current job for 16 years and 11 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0134859397 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing most recent quarter Balance Sheet for B1 Schedule C XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.26% LTV less than g/l requirement of 70% LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been employed on current job for 16 years and 11 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at current residence for 16 years and 11 months.
0096927963 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Balance sheet for XXX, and missing evidence of property taxes for non subject property on XXX 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score = 735

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $1,265,986.36 or 292.04 months of PITI reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV = 44.30%; Max LTV is 80%.
0096927963 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. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the  Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 4139.69 actual calculation  3504.26 closing costs 4139.69 - POC 635.43 = 3504.26 (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score = 735

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $1,265,986.36 or 292.04 months of PITI reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV = 44.30%; Max LTV is 80%.
0096927963 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing signed YTD  Balance sheet for XXX 2.7.19 - Client responded. No signed YTD Balance Sheet for XXX was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower. 2.7.19 - Clayton has reviewed and as a credit exception per lenders guide can be waived.  2.7.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score = 735

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $1,265,986.36 or 292.04 months of PITI reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV = 44.30%; Max LTV is 80%.
0984351889 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1). Third party verification for Sch C XXX not provided.  Provide third party verification of existence of business dated within 30 days of Note date.   2). YTD P&L and Balance Sheet not provide for Sch C Insurance Sales business.  Provide YTD P&L and Balance Sheet supporting income of $7554.04/month. 3). Computer generated YTD paystubs not provided.  Provide YTD income for W2 earnings from XXX to support monthly income of $4000.   6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep score 743.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41

CFCFS2860: Good credit history
- Clayton Comments:  No adverse credit reporting on credit report.
0984351889 CRDINC2488 Verbal verification of employment missing No Third party verification for Sch C XXX business not provided.  Provide third party verification of existence of business dated within 30 days of Note date.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep score 743.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41

CFCFS2860: Good credit history
- Clayton Comments:  No adverse credit reporting on credit report.
0984351889 CRDINC2410 Income documents in file for current year do not reflect YTD amounts No Computer generated YTD paystubs not provided.  Provide YTD income for W2 earnings from XXX to support monthly income of $4000.  2.19.19 - Client responded. Income documents used to support monthly income of $4k from XXX attached. 2.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep score 743.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41

CFCFS2860: Good credit history
- Clayton Comments:  No adverse credit reporting on credit report.
0984351889 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No YTD P & L not provide for Sch C XXX.  Provide YTD P & L supporting income of $7554.04/month.  2.19.19 - Client responded. No YTD P&L for Schedule C business was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.2.19.19 - Clayton has reviewed and lender guides allow underwriter to waive P&L's.  2.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep score 743.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41

CFCFS2860: Good credit history
- Clayton Comments:  No adverse credit reporting on credit report.
0984351889 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No YTD Balance Sheet not provide for Sch C XXX.  Provide YTD Balance Sheet supporting income of $7554.04/month.  2.19.19 - Client responded. No YTD Balance Sheet for Schedule C business was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.2.19.19 - Clayton has reviewed and guidelines allow underwriter to waive Balance Sheet.  2.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep score 743.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3360.73 x 12 = $40,328.76. PCL required reserves $20,164.38Verified reserves $58,828.17PCL verified reserves $22,149.90Excess reserves $18,499.41

CFCFS2860: Good credit history
- Clayton Comments:  No adverse credit reporting on credit report.
0352386445 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Borrower is XXX. Missing signed/dated personal 2016 and 2017 1040s and signed 2016 and 2017 1120S returns.  9.20.19 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. IRS Tax Return Transcripts for tax periods 2016 and 2017 attached. 9.20.19 - Clayton has reviewed and although lender guides allow for the PTIN QM guides require the returns to be signed by borrowers. 9.25.19- Client responded. Re-status loan as Non-QM and re-grade accordingly. 9.20.19 - Exception remains. 9.25.19- Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $155,447.19.  Reserves required $7355.56 x 12 = $88,266.72

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.82%, max allowed per G/L is 43%
0352386445 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per lender Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $155,447.19.  Reserves required $7355.56 x 12 = $88,266.72

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.82%, max allowed per G/L is 43%
0336019690 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Balance sheet for borrowers Sched C business 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 26.36 years.
0336019690 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. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 11075.23CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 10439.80. Difference is POC's of $635.43.   (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 26.36 years.
0336019690 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Balance sheet for borrowers Sched C business 2.15.19 - Client responded. No Balance Sheet for borrower's Schedule C business was obtained. Per non agency guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.  2.15.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 26.36 years.
0864823692 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing signed 2016 and 2017 1040s. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-borrower income is not being used to qualify.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Gross receipts and net profits overall increasing.
0864823692 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Verification of Rent is missing. 0x30 last 12 months required. 3.20.19 - Client responded. Most recent 12-month rental payment history (VOR); bank statements showing the payment attached.  3.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-borrower income is not being used to qualify.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Gross receipts and net profits overall increasing.
0864823692 CRDINC3204 Income Documentation Missing No Missing signed 2016 and 2017 1040s. 3.20.19 - Client responded. Signed 2016 and 2017 1040s not obtained. Appears tax returns were self-prepared, e-filed.  3.20.19 - Clayton has reviewed. Form 8879 not provided to reflect returns e-filed. 6.14.19 - Clayton has reviewed and considers non-material based on compensating factors of potential for increased earnings and income from co-borrower not used for qualifying. Returns are in file just not signed.  3.20.19 - Exception remains. 6.14.19 - Exception remains.  (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-borrower income is not being used to qualify.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Gross receipts and net profits overall increasing.
0864823692 CRDTER3122 Loan documents do not meet guideline requirements No Approved Lender Exception for use of Commingled Personal and Business Assets. Compensating factors used: 20% of their own funds being used, conservative users of credit with increasing business income. Clayton has reviewed and based on compensating factors considers non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-borrower income is not being used to qualify.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Gross receipts and net profits overall increasing.
0496353559 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Supporting documentation verifying the existence of each of borrowers businesses dated within 30 days of Note date Secretary of State website Regulatory agency Contractor or professional organization CPA Other available resources 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  93.24 months in reserves

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.18%. Max LTV is 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0496353559 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  93.24 months in reserves

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.18%. Max LTV is 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0496353559 CRDINC2488 Verbal verification of employment missing No Missing Supporting documentation verifying the existence of each of borrowers businesses dated within 30 days of Note date Secretary of State website Regulatory agency Contractor or professional organization CPA Other available resources 4.10.19- Lender response: Documentation (CA Secretary of State website) verifying the existence of each XXX 4.10.19- Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  93.24 months in reserves

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.18%. Max LTV is 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0496353559 PRVAVALU153 Value Not Supported No Desk review provided reflects a review value of $XXX, which is -12.27% down from the original appraised value of $XXX.  A field review has been ordered.   4.16.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  4.16.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  93.24 months in reserves

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.18%. Max LTV is 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.78%. Max DTI is 43%
0628571176 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1.  Missing balance sheet for XXX borrower.2.  Missing 3rd party VOE dated within 30 days of Note date of XXX 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.13% below guideline requirement.
0628571176 CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. 4.15.19 - Client responded. Disagree with Investor: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.4.15.19 - Clayton has reviewed and per the Clayton compliance department and Circuit Court for that district the H8 would be the correct form in a different Creditor refinance. Per Clayton Compliance based on the Circuit Court District this is non-material for this case.  4.15.19 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.13% below guideline requirement.
0628571176 CRDINC2488 Verbal verification of employment missing No Missing 3rd party VOE dated within 30 days of the Note date of XXX 4.9.19 - Client responded. Verification of business (VOE), XXX.  4.9.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.13% below guideline requirement.
0628571176 CRDTER3122 Loan documents do not meet guideline requirements No Approved Lender exception for rate/term refinance where Borrower is not on current loan.  Borrower is on current Title.  Spouse on previous loan and on current Title.  Comp Factors: Same LOB for 13 years; 28 months reserves. Borrower and non Borrowing Spouse in subject since 12/2016. LTV 50%.   Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$116,397.60 in total assets documented.  Effective amount is $116,397.60, with liquid assets of $116,397.60.  Post close reserves are $115,377.36.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.13% below guideline requirement.
0724929458 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Balance sheet for XXX business. Required per QM.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $3,206,690.69.  Reserves equal 960.41 months of PITI reserves and exceed required reserves ($3,338.88 x 12 = $40,066.56).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.31 is below guideline requirement.
0724929458 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No CD dated XXX - Finance charge $374,795.80 and Clayton calculation $375,045.80 for a difference of $250.00 and over the allowed $100 for purchase. PCCD dated XXX provided however doesn't correct error and reflects finance charge of $374,876.27 for a difference of $169.53.  4.15.19 - Client responded. Disagree.  Amount Financed is accurate.  TPR included Title - All Endorsements Fee of $160.00 in their calculations.  This is not an APR sensitive fee.4.15.19 - Clayton has reviewed. Title endorsement fees were not included in Clayton APR calculations. That being said the PCCD dated XXX corrects error.  4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $3,206,690.69.  Reserves equal 960.41 months of PITI reserves and exceed required reserves ($3,338.88 x 12 = $40,066.56).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.31 is below guideline requirement.
0724929458 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD dated XXX - Finance charge $374,795.80 and Clayton calculation $375,045.80 for a difference of $250.00 and over the allowed $100 for purchase. PCCD dated XXX provided however doesn't correct error and reflects finance charge of $374,876.27 for a difference of $169.53.  4.15.19 - Client responded. Disagree.  Amount Financed is accurate.  TPR included Title - All Endorsements Fee of $160.00 in their calculations.  This is not an APR sensitive fee.4.15.19 - Clayton has reviewed. Title endorsement fees were not included in Clayton APR calculations. That being said the PCCD dated XXX corrects error.  4.15.19 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $3,206,690.69.  Reserves equal 960.41 months of PITI reserves and exceed required reserves ($3,338.88 x 12 = $40,066.56).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.31 is below guideline requirement.
0101123162 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing Profit and Loss statement for Schedule C business XXX2. Missing Balance Sheet for Schedule C business XXX Docs are required per QM.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0101123162 CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Approved Lender Exception for 3 months PCL reduction - Total reserves required $45,506.76. Total reserves verified $42,632.47.   Compensating factors include:  Stable employment, excellent credit, minimal discretionary credit.  Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0101123162 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing evidence to support satisfactory 12 month housing history of 0x30. Missing documentation to support  6/2018 rental payment for XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0101123162 PRVAVALU153 Value Not Supported No A desk review was received with a reported value of $XXX which is a variance of 10.89% less than the original appraised value of $XXX. A field review has been ordered.  4.15.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 767. Minimum credit score required 680
0150952413 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing P&L and Balance sheet. Lender guides allow underwriter to waive but per QM P&L/Balance sheets required.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current line of work for over 18 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has worked at XXX at current job for over 4 years.
0150952413 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current line of work for over 18 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has worked at XXX at current job for over 4 years.
0333468038 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing signature and date on 2017 personal tax return.  Missing signature on 2016 and 2017 1120S returns. 8.13.19 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.8.13.19 - Clayton has reviewed; per QM the returns have to be signed by borrower. PIN is not allowed. 8.14.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 8.13.19 - Exception remains. 8.14.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038 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. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3998.89CD: XXX1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3476.46. Difference is POC's of $522.43.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client; Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038 CRDINC150 Income docs do not meet guidelines No Lender approved exception for the following:  (1) Borrower has less than two years property management experience and rental income is being used to qualify. Compensating factors include 793 qualifying score. Min required per guidelines is 720, Verified cash reserves $2,456,329.04 558.32 months, guidelines require 12 months PITIA and $13k/mo. residual income, Clayton considers non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038 CRDLGL100 Legal document incorrect or incomplete No Missing final signed settlement statement or similar signed document that was signed by at least the settlement agent indicating a cash purchase within 90 days prior to the application.  The documentation is required in order to base the LTV/CLTV and cash-out amount on the purchase LTV/CLTV matrix.  File contained a buyer's final settlement statement dated XXX  that was not signed by the settlement agent at a minimum.  Compensating factors include 793 qualifying score. Min required per guidelines is 720, Verified cash reserves $2,456,329.04 558.32 months, guidelines require 12 months PITIA and $13k/mo. residual income, Clayton considers non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0333468038 CRDTER3262 Property issues indicated No Lender approved exception for Condo Mortgagee responsible for greater than six months HOA dues in event of foreclosure or deed in lieu of foreclosure.  Per Lender the appraised value is considered to be reasonable and supported.  Lender also stated that NPRES has researched the project and determined that this loan will likely be eligible for streamline condo review based on the current loan parameters and LTV. Compensating factors include 793 qualifying score. Min required per guidelines is 720, Verified cash reserves $2,456,329.04 558.32 months, guidelines require 12 months PITIA and $13k/mo. residual income, Clayton considers non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $2,456,239.04 or 558.32 months PITIA.
0928143050 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing LOX from borrower to explain gap over 30 days from previous end date 7/31/18 to hire date of current employment on 9/4/18; UDS underwriter explains that borrower is increasing in income, same line of work, moving from XXX to full time, however does not acknowledge the more than 30 day gap itself or mention the rational for not requiring an explanation from the borrower.    7.26.19 - Client responded. "Per lender's credit policy, gaps in employment may not require an explanation from the borrower if the underwriter determines that gaps have not affected employment stability or continuance.  Borrower's employment gap from 8/1/2018 to 09/03/2018 (34 days) was addressed in lender's file in the employment/income history (attached) and not loan notes:  'Relocated from XXX to XXX PA for XXX employment'. 7.26.19 - Clayton has reviewed and LOX from borrower is required per QM. 7.29.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 7.26.19 - Exception remains. 7.29.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.08%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0928143050 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.08%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0928143050 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Less than 12 months verified housing payment history provided; VORs required for XXX and XXX to complete the guideline requirement.    7.26.19 - Client responded. "Per lender's credit policy, underwriter's may use judgment regarding the number of months housing history is verified.  Loan is a refinance of an existing XXX loan (XXX) that closed XXX for the purpose of purchasing subject property.  Underwriter's notes (attached) state an exception was approved on the prior loan for no rental payment history as it was verified that borrower's fiance was paying the prior housing expense; underwriter used discretion to accept payment history on purchase loan as no further documentation could be obtained.  At closing of this loan (XXX), borrower had made 6 payments as agreed (copy of lender's online mortgage pay history attached). 7.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.08%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0928143050 CRDINC2340 Employment verification does not meet guidelines No Missing LOX from borrower to explain gap over 30 days from previous end date 7/31/18 to hire date of current employment on 9/4/18; UDS underwriter explains that borrower is increasing in income, same line of work, moving from XXX to full time, however does not acknowledge the more than 30 day gap itself or mention the rational for not requiring an explanation from the borrower.  Based on 27.08% DTI, 37 mo. reserves, $21K/mo. in residual income, Clayton considers non-material.  7.26.19 - Client responded. "Per lender's credit policy, gaps in employment may not require an explanation from the borrower if the underwriter determines that gaps have not affected employment stability or continuance.  Borrower's employment gap from 8/1/2018 to 09/03/2018 (34 days) was reflected in lender's file in the employment/income history (attached) and not loan notes:  'Relocated from XXX to XXX for XXX employment'.  7.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.08%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 680.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late pays or derogatory history.
0893713685 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing balance sheet for Sched C borrower.  7.26.19 - Client responded. Lender's proprietary policy gives underwriters discretion to accept alternate documentation or waive current P&Ls and/or balance sheet.  Borrower advised via e-mail that they prepare their own taxes and do not have a CPA that they normally use; borrower generated a P&L through XXX and underwriter used discretion to satisfy the stipulation based on the P&L received.  7.26.19 - Clayton has reviewed and although lender guides allow the balance sheet to be waived it is a requirement of QM. 7.29.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 7.26.19 - Exception remains. 7.29.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 47 months reserves. 12 months required for this program.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 11 years.
0893713685 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 47 months reserves. 12 months required for this program.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 11 years.
0377384031 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing lease for XXX. Property is a XXX and only leases for A-1, B, and C were received. 2. Missing Balance Sheet for the borrower's SCH C business- Real Estate Sales. 1.27.20 - Client responded. 1- Unable to locate missing lease for XXX. 2- No balance sheet was obtained for borrower's Schedule C business (Real Estate Sales). Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. Borrower qualifies with reported loss (-152/mo) and has minimal impact on ratios.1.27.20 - Clayton has reviewed and the leases and balance sheet are a requirement of QM. 1.28.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 1.27.20 - Exception remains. 1.28.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $893,370.54.  Per program guidelines, 12mo PITI/PL  required or $42,381.60.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 7+ years.
0377384031 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Lender - Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $893,370.54.  Per program guidelines, 12mo PITI/PL  required or $42,381.60.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 7+ years.
0377384031 CRDCRMH104 Credit score below guidelines No Lender approved exception for credit score of 686 where 720 is required.  Clayton considers non-material based on compensating factors of low LTV of 33.33% and cash reserves of over 252 months VS 12 months required     (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $893,370.54.  Per program guidelines, 12mo PITI/PL  required or $42,381.60.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 7+ years.
0104395200 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing lease agreements to validate rental income used for rental properties. Borrower has 3 rental properties and only one lease provided. 2. Missing tax verification for rental properties; per final 1003 T&I are paid separately from P&I showing on credit report.  7.23.19 - Client responded. "Per lender's credit policy, lease agreements are not required to validate rental income if rental management experience and income history is verified with the most recent two years 1040s.  Three rental properties were disclosed: XXX; XX; and XXX; all three are reflected on the 2017 and 2018 1040s Schedule E (attached) so current leases are not required.  Property taxes for all three rentals are included in the mortgage payments disclosed on the credit report; 2018 1098s for each property were obtained (attached) to confirm taxes disbursed by the lender.  Tax amounts for each property are also reflected on the Schedule E for each property.  Note: Income reported from XXX was not used to qualify as borrower disclosed property will be sold closing.7.23.19 - Clayton has reviewed and item 2 is satisfied but item 1 is a requirement per QM as QM requires copies of leases  as well as returns. 7.24.19 - Client responded. Re-status Loan as Non-QM and re-grade accordingly. 7.23.19 - Exception remains.7.24.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0104395200 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client responded. Re-status Loan as Non-QM and re-grade accordingly post review.  (No Data) (No Data) Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0104395200 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing tax verification for rental properties; per final 1003 T&I are paid separately from P&I showing on credit report. Based on 802 qual score, 58 months of reserves and $10,729/mo. residual income, Clayton considers non-material.  7.23.19 - Client responded. "Tax amounts for all rental properties are reflected on the 1040s Schedule E; 2018 Mortgage Interest Statements (1098s) for each property also verify tax amounts paid by lender. 7.23.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0104395200 CRDINC3204 Income Documentation Missing No Missing lease agreements to validate net rental income used for rental properties. Borrower has 3 rental properties and only one lease provided.   7.23.19 - Client responded. Per lender's credit policy, lease agreements are not required if prior two years taxes returns verify rental income and rental management experience. 1040s document net rental income used for qualifying. 7.23.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as VP of XXX for the past 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 Credit score exceeds guidelines minimum  680.
0866262796 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the signature pages of the 2018 1040 personal  tax return for B1 and B2.  7.22.19 - Client responded. Signature page of the 2018 1040 personal tax return attached. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 7.22.19 - Clayton has reviewed and although the lender guides allow a PTIN from CPA this is not acceptable under QM. Returns have to be signed by borrower. 7.23.19 - Client responded. Re-status Loan as Non-QM and re-grade accordingly 7.22.19 - Exception remains. 7.22.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 qualifying score. Min required per guidelines is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $38,033.74 are equal to 13.96 months PITI.  Required reserves are $32,688.72 ($2,724.06 PITI x 12).
0866262796 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No per lender - Re-status Loan as Non-QM and re-grade accordingly.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 qualifying score. Min required per guidelines is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $38,033.74 are equal to 13.96 months PITI.  Required reserves are $32,688.72 ($2,724.06 PITI x 12).
0866262796 CRDINC2408 Income verification does not meet guidelines No Missing the signature pages of the 2018 1040 personal  tax return for B1 and B2.  7.22.19 - Client responded. Signature page of the 2018 1040 personal tax return attached. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  7.22.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 qualifying score. Min required per guidelines is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $38,033.74 are equal to 13.96 months PITI.  Required reserves are $32,688.72 ($2,724.06 PITI x 12).
0408978855 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing VVOE for B2 within 20 days of note date. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI 43% current DTI  23.59%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV 80% Current LTV   64.29%
0408978855 CRDINC2488 Verbal verification of employment missing No Missing VVOE for B2 within 20 days of note date. 3.19.19 - Client responded. VVOE obtained (in file) for B2 was for incorrect borrower.  3.19.19 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI 43% current DTI  23.59%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV 80% Current LTV   64.29%
0525245910 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1.) Missing the Borrower's most recent quarter signed business P&L and Balance Sheets.  2.) The Borrower is self-employed. The supporting documentation in the loan file verifying the existence of the business is dated 12/26/2018 is past the close date of XXX. Guidelines require a verbal verification of employment (VVOE) to be verified within 30 days prior to the closing date.    6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 760; minimum required credit score per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower #1 has been XXX for over 8 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No public record findings.
0525245910 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client requested re-status to Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 760; minimum required credit score per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower #1 has been XXX for over 8 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No public record findings.
0525245910 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No The Borrower is self-employed. The supporting documentation in the loan file verifying the existence of the business is dated 12/26/2018 is past the close date of XXX. Guidelines require a verbal verification of employment (VVOE) to be verified within 30 days prior to the closing date.  2.7.19 - Client responded. VOE thru NYS Department of State attached. Date of incorporated XXX, current entity status: active.  2.7.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 760; minimum required credit score per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower #1 has been XXX for over 8 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No public record findings.
0451869153 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing verification of taxes, insurance, and HOA dues or mortgage statement for verification of escrows for XXX2. Missing signed and dated Profit and Loss Statement and Balance Sheet for XXX3. Missing independent third party verification of XXX4. Missing verification of terms and conditions for subject property's secondary financing totaling $XXX 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDAST3036 Assets reflect unsourced deposits No Missing satisfactory source of large deposit totaling $1,051,968.87 deposited into XXX 2.12.19 - Client responded. Per underwriter notes dated 12-14-2018, borrower closed the XXX and transferred the funds to XXX statement dated 11-30-2018 was used to source the XXX deposit on 12-5-2018. Copy of underwriter notes and XXX statement attached. 2.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing Verification borrower XXX are the same person. Bank account with XXX is one of three account ho lders.   2.12.19 - Client responded. XXX reflects three depositors: XXX.  Per borrowers' 1040s (page one attached), XXX is borrowers' daughter.  Borrowers' credit report reflects multiple variations of borrower's name associated with his social security number or reported as AKAs: XXX (copy of the applicable credit report pages attached). 2.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of taxes, insurance, and HOA dues or mortgage statement for verification of escrows XXX 2.12.19 - Client responded. Lender's servicing records (Online Payoff Service) for XXX reflect monthly PITI is $9743.23. Copy of lender's OPS record attached; note lien amount reflected in PITI is school tax.  Appraisal in lender's servicing file indicates property is a single family residence with no HOA fees (page one of appraisal attached).  2.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDINC2488 Verbal verification of employment missing No Missing independent third party verification of XXX 2.12.19 - Client responded. Non agency guidelines require the decisioner to verify the existence of the business using resources available, including CPA, regulatory agencies or Secretary of State websites. The XXX website reflected XXX business status as active on XXX 2.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDINC3204 Income Documentation Missing No Missing signed and dated Profit and Loss Statement and Balance Sheet for XXX 2.12.19 - Client responded. Non agency guidelines permit waiver of current profit & loss statements and/or balance sheets.  Underwriter used judgment to waive the P&L and Balance Sheet for XXX  12-14-2018, notes reflect the following justification: Income represents only 7.8% of total qualifying income, company has been in business since 1988 and DTI would be within guidelines (38%) if not used for qualifying. 2.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0451869153 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing verification of terms and conditions for subject property's secondary financing totaling $XXX 2.12.19 - Client responded. Second mortgage is a home equity line of credit with XXX.  Loan amount and line of credit limit is $XXX; monthly payment is calculated at initial rate (4.50%) fully amortized for 30 years (draw period plus 240 months) equal to $3299.66. Copy of XXX Home Equity Account Agreement and Disclosure attached. 2.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 29 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $159,478.68 reserves required for the subject transaction. Verified $559,353.16 or 42.09 months reserves
0281282681 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Lender declared QM/XXX. Missing P&L and Balance Sheet for business as required for status determination by lender. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 22.94

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 786 credit score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI back end is 23.78%.
0281282681 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client requested re-status to Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 22.94

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 786 credit score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI back end is 23.78%.
0281282681 PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No No inspection since the  XXX  ---   Fema Disaster   ----   XXX. Appraisal was completed XXX 1.28.19 - PDI provided and no damage.  1.28.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 22.94

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 786 credit score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI back end is 23.78%.
0086336495 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing rental leases for REOs at XXX as required per Appendix Q.   6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 720.

CFCFS1736: Significant time at current residence
- Clayton Comments:  17 years at current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  40% LTV  max is 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $108893.01.   Reserves required $3887.88   x 12 = $46,654.56.
0086336495 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. No Final CD XXX-.  Closing Costs Financed (Paid from Your Loan Amount)  $4481.96  Total POC $635.43  Lender states 4481.96 closing costs financed , 4481.96 - POC 635.43 = 3846.53.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 720.

CFCFS1736: Significant time at current residence
- Clayton Comments:  17 years at current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  40% LTV  max is 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $108893.01.   Reserves required $3887.88   x 12 = $46,654.56.
0710969555 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No File is missing a balance sheet for Borrower 1 business as required per QM.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX with current business for 8.61 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.77% LTV is  is below the maximum allowed LTV of 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $468,224.10 which exceeds required reserves of $37,912.08
0710969555 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX with current business for 8.61 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.77% LTV is  is below the maximum allowed LTV of 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $468,224.10 which exceeds required reserves of $37,912.08
0934091468 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1.Missing LOX for B1 from  XXX to explain evident gaps over 30 days within the past 24 months from previous to current employer.  Only the VVOE is in file from the current employer and Final 1003 is reflecting gaps over 30 days between employers. 2. Missing signed/dated 2016/2017 personal and/or business tax returns to verify XXX evidenced from Final 1003 (2011-present) and to verify ownership% and no net income loss from business. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 29 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0934091468 CRDAST205 Insufficient Funds to Close No Required funds to close were $122804.92 , borrower has liquid assets totaling $103,243.16. File is short to close liquid funds of $19,561.76, proof of liquidation for retirement assets is not in the loan file. Proof of the sale or liquidation is required.  2.6.19 - Client responded. Proof of liquidation for retirement assets attached.  2.6.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 29 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0934091468 CRDINC3204 Income Documentation Missing No Missing signed/dated 2016/2017 personal and/or business tax returns to verify XXX evidenced from Final 1003 (2011-present) and to verify ownership% and no net income loss from business.  Downgraded to non-material.  2.6.19 - Client responded. 2016/2017 tax returns not obtained.  2.6.19 - Exception remains.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 29 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0934091468 CRDINC2340 Employment verification does not meet guidelines No Missing LOX for B1 from XXX to explain evident gaps over 30 days within the past 24 months from previous to current employer.  Only the VVOE is in file from the current employer and Final 1003 is reflecting gaps over 30 days between employers. Downgraded to non-material.  2.6.19 - Client responded. Summary of employment attached. 2.6.19 - Clayton has reviewed and LOX provided for employment gap and timelines.  2.6.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 29 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  325,609.25  post closing cash reserves;   or 111.14 months PITIA all properties owned..  12 months PITIA required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a 28.04% DTI back end, max DTI is 43%.
0409210611 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing 2 years signed 1065s for XXX; P&L and Balance Sheet may be required. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70%; maximum allowed 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  36 months of mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769/747.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0409210611 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. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 7717.02 actual calculation 7151.59 closing costs 7717.02 - POC 565.43 = 7151.59 (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70%; maximum allowed 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  36 months of mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769/747.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0409210611 CRDINC150 Income docs do not meet guidelines No Missing 2 years signed 1065s for XXX; P&L and Balance Sheet may be required.  Downgraded to non-material.  2.14.19 - Client responded. 2 years signed 1065s for XXX were not obtained. See underwriting notes and borrower correspondence regarding XXX (2 attachments). 2.14.19 - Clayton has reviewed borrower's following comments - The XXX is a XXX owned by all 5 brothers. It was the XXX and was repurchased several years ago by the 5 brothers. The income from the land rental is minimal and pays part of the taxes. There is no other income. UW Notes reflect not asking for 2 years returns on the partnership XXX...the schedule F is filled out with the major details in regards to the profit/loss and overall loss. Both years are close but will use 2017 as it is a little more of a loss so -$2722 per month.  2.14.19 - Exception remains.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70%; maximum allowed 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  36 months of mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769/747.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0409210611 CRDTER109 Cash Out Amount Exceeds Guidelines No Lender approved an exception to allow cash out of $560K when the maximum for the program is $400K. Offsets:$24K in residual income, demonstrated willingness and ability to repay.   2.14.19 - Client responded. LVAM approved exception - Allowable cash out dollar amount. Exception approved under the PCO delegated authority. 2.14.19 - Clayton has reviewed and based on compensating factors considers non-material.  2.14.19 - Exception remains.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70%; maximum allowed 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  36 months of mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769/747.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Reserves $519,577.53 = 122 months of PITI payments for the subject property.
0939412075 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide documentation supporting Taxes &Insurance $1174 for departing residence as stated on final 1003. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 804 exceeds guidelines
0939412075 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No  Required Affiliate Business Disclosure missing. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 804 exceeds guidelines
0939412075 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide documentation supporting Taxes &Insurance $1174 for departing residence as stated on final 1003. 4.3.19 - Client responded. Tax bill (attached) for departure residence shows town and county taxes for 2018-2019 in the amount of $11,664.63; unable to locate insurance document to support $1092 annual hazard insurance.   Lender loan notes state departure residence to be listed for sale XXX. Internet listing (attached) confirms property was listed XXX.  ATR/QM is not adversely impacted by missing documentation to support $91 monthly insurance; compensating factors include DTI 21.11%, LTV 60%, residual income $25,331, FICO 788, $1.6 million reserves (excluding proceeds from sale of departure).4.3.19 - Clayton has reviewed. As a credit exception we consider non-material based on the compensating factors.  4.3.19 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 804 exceeds guidelines
0340510098 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing signed balance sheet for B2 Schedule C business. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.41%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  173 months PITI reserves verified, max per guidelines is 12 months
0340510098 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.41%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  173 months PITI reserves verified, max per guidelines is 12 months
0389743079 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing signed balance sheet for B1's Schedule C business. 2. Missing vvoe completed within 30 days of the Note date (XXX) for B1's Schedule C business. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV of 75% is 5% less than the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0389743079 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV of 75% is 5% less than the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0389743079 CRDINC2488 Verbal verification of employment missing No Missing vvoe completed within 30 days of the Note date (XXX) for B1's Schedule C business. 4.1.19 - Client responded. Existence of B1's Schedule C business (VOE) within 30 days of the Note date attached.  4.1.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV of 75% is 5% less than the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0194389717 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to verify HOA dues not more than $65.00 per month for XXX, HI. Provide satisfactory documentations to verify monthly HOA dues not more than $65.00 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.19% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Lender must provide the Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.19% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No CD's dated XXXZero Tolerance fee exceeded by $700 due to a decrease in Lender's Credit with no valid COC located in the loan file.LE Lender Credit $1670CD Lender Credit $250Lender must provide an LOX, corrected CD, refund and proof of delivery to the borrower within 60 days of closing. 3.13.19 - Client responded. "Disagree.  Loan Estimate disclosed lender credits for $1670.00.  The consummation CD and the Post-Close CD both disclosed the lender paid fees and lender credits totaling $1670.00.  The Paid by Others column disclosed $1,350.00 lender paid Processing Fee and $70.00 lender paid Tax Service.  Section J Lender Credits is $250.00. $1,350.00 + $70.00 + $250.00 = $1,670.00 Lender Credit.3.13.19 - Clayton has reviewed and Lender Credit for section A as well as lender credit in section J total $1670 as required.   3.13.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.19% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to verify HOA dues not more than $65.00 per month for XXX, HI. Provide satisfactory documentations to verify monthly HOA dues not more than $65.00.   Clayton considers non-material based on compensating factors 3.25.19 - Client responded. Unable to locate documentation to verify monthly HOA dues for property XXX.  3.25.19 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.19% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0194389717 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.11.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX  3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.19% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  39.86  months PITI reserves verified, per guidelines 12 months required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is45.08%; max allowed per guidelines is 80.00%.
0028699661 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing balance sheet for XXX B1 as required per QM.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 CMPTRID4285 TRID - CD: The value for Loan Amount in the LE column of the CD's Calculating Cash to Close table (Alt Version) is different from the value disclosed on the last LE No CD dated XXX Calculating Cash to Close reflects Loan amount as $XXX which does not match to last disclosed LE of $XXX 4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested 4.15.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -12838CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: 0.00 4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested 4.15.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 3886CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 0.00 4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested 4.15.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -773276CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: 0 4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested 4.15.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 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. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 15262.49 4.15.19 - Client responded. Disagree. Settlement agent CD inadvertently signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested 4.15.19 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 CMPTRID3970 TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. No CD dated XXX Loan Disclosures - Partial Payments not option chosen.  4.5.19 - Client responded. Agree.  Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX.  One of these CDs is a Settlement Agent (Title Company) CD which is incomplete.  One of the incomplete items is the Partial Payments section in which no option was chosen.  The lender final CD is complete and accurate. Remediation Requested4.15.19 - Client responded. Disagree. Settlement agent CD inadvertantly signed at consummation with missing Loan Calculations and Partial Payment selection.  Lender consummation CD is complete and accurate.  See attached.   Prior Response 4/5/19: Agree. Multiple and unique final CDs were signed by the borrower(s) at consummation on XXX. One of these CDs is a Settlement Agent (Title Company) CD which is incomplete. One of the incomplete items is the Partial Payments section in which no option was chosen. The lender final CD is complete and accurate. Remediation Requested 4.5.19 - Exception remains. 4.15.19 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0028699661 CRDLTV3028 LTV Exceeds Guideline Requirement by 10% or more No Approved Lender Exception for LTV of 80% exceeding maximum LTV of 70% for primary residence cash out refinance.  Exception approved due to large home improvements documented. Borrowers not receiving cash at closing. Paying off non purchasing money HELOC that was used for improvements to property.  Compensating factors used to approve exception: 809 qual score, B1 20 years in XXX business, B2 27 years in profession, 87 months reserves, $23,157/mo. residual income.  Clayton considers non-material based on compensating factors.         (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4912.68 x 12 = $58,952.16; Verified reserves $430,176.61; Excess reserves $371,224.45;  PCL required $29,476.08; PCL verified $40,128.62.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since March 1993.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 which exceeds minimum score required of 720 by 89 points.
0266736486 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing verification to support borrowers  do not own XXX listed on the third party fraud report.  If property is still owned, provide evidence to support  PITIA associated to the property. 2. Missing Profit and Loss Statement for XXX 3. Missing Balance Sheet for XXX 4. Missing signed/dated copies of 2016 and 2017 personal federal income tax returns 7.8.19 - Client responded. 1- Property located at XXX is a XXX borrower purchased in 2003. The property is owned free and clear supported by tax returns; taxes/insurance (expenses) paid for by the Schedule C business. Property information and details attached.  2- 2018 year-end (CPA prepared) Profit and Loss Statement and  3- Balance Sheet for Schedule C business XXX attached.  4-  Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 2016, 2017 personal tax returns include PTIN.7.8.19 - Clayton has reviewed and items 1,2 & 3 are clear. Item 4 PTIN not allowed per QM. Signature required by borrower. 7.9.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 7.8.19 - Exception remains. 7.9.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 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. No 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. CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4691.26CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4170.83 (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE XXX Section: Calculating Cash To Close section,  Estimated Closing Costs Financed (Paid from your Loan Amount) value reflects -$6226 and should be positive $6226. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Lender request to re-status as Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CRDCRMH104 Credit score below guidelines No Qualifying credit score of 703 is below required score of 720. File includes an approved exception for credit score below minimum credit score of 720. Clayton considers this non-material based on compensating factors of low DTI ratio of 33.59% and current length of time with employer and time at current residence 7.8.19 - Client responded. LVAM exception - 20 point loan score variance (680 min). Approved under the PCO delegated authority. Compensating factors offset risk. 7.8.19 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing verification of 4/2019 and 5/2019 mortgage payments for XXX 7.8.19 - Client responded. Acceptable VOM for the previous 12 months' activity for XXX 7.8.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification to support borrowers  do not own XXX listed on the third party fraud report.  If property is still owned, provide evidence to support  PITIA associated to the property. 7.8.19 - Client responded. Property located at XXX is a XXX borrower purchased in 2003. The property is owned free and clear supported by tax returns; taxes/insurance (expenses) paid for by the Schedule C business. Property information and details attached. 7.8.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal Verification of Employment dated within 30 days of closing for XXX borrower. Verification documentation in file is dated 3/21/2019. Subject loan transaction closed XXX. 7.8.19 - Client responded. Existence of XXX for XXX attached. 7.8.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0266736486 CRDTER109 Cash Out Amount Exceeds Guidelines No Cash out of $485,829.17 exceeds the maximum allowed of $350,000. File includes an approved exception for cash out exceeds $350,000 maximum allowed. Clayton considers this non-material based on compensation factors of low DTI ratio of 33.59% and current length of time with employer and time at current residence 7.8.19 - Client responded. LVAM exception - Allowable cash out dollar amount. Approved under the PCO delegated authority. Compensating factors offset risk. 7.8.19 - Exception remains.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 33.59%. Maximum DTI allowed for the subject transaction 43.00%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for over 27 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 38 years
0216132218 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing two years signed tax returns to support commission income used for qualifying. Required per QM.  8.8.19 - Client responded. Per lender guidelines, two years tax returns not required to support commission income. Recent YTD paystub, most recent two years W-2's and year-end paystub's obtained to support commission income used for qualifying.8.8.19 - Clayton has reviewed and although lender guides do not require...QM specifically states for Commission Income 2 years tax returns are required. 8.9.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 8.8.19 - Exception remains. 8.9.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX for 35 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 40 months on subject property.
0216132218 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX for 35 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 40 months on subject property.
0738508713 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence of tax payment for land located at XXX. Also missing balance sheet for XXX Sched C borrower.  7.26.19 - Client responded. Per underwriter's decision notes, borrower acquired XXX and an adjacent lot at XXX.  She did not claim the properties on her 2017 tax returns but both properties are reflected as one entry on 2018 Schedule E (XXX).  Property taxes reported on line 16 of Schedule E ($7,521) would include taxes for both properties. Copies of underwriter's notes, 2018 Schedule E and property profiles attached.Lender's proprietary policy gives underwriters discretion to accept alternate documentation or waive current P&Ls and/or balance sheet. 7.26.19 - Clayton has reviewed and item 1 is cleared but item 2 remains for P&L's and Balance sheets as although lender guides allow them to be waived they are a requirement of QM. 7.29.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly  7.26.19 - Exception remains. 7.29.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided at subject property for 20 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been a XXX  for 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX industry for 30 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 153 months on subject property.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.81% DTI is below the 43% maximum allowed.
0738508713 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided at subject property for 20 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been a XXX  for 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX industry for 30 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 153 months on subject property.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.81% DTI is below the 43% maximum allowed.
0738508713 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing evidence of tax payment for land located at XXX. Based on 31.81% DTI, 45.26% LTV, 817 qual score, 67 months reserves and $12K/mo residual income, Clayton considers non-material.  7.26.19 - Client responded. Per underwriter's decision notes, XXX and XXX are reflected as one entry on 2018 Schedule E (XXX, XXX').  Property taxes reported on line 16 of Schedule E ($7,521) would include taxes for both properties. Copies of underwriter's notes, 2018 Schedule E and property profiles attached. 7.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided at subject property for 20 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been a XXX  for 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in XXX industry for 30 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 0x30 for 153 months on subject property.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.81% DTI is below the 43% maximum allowed.
0816150918 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing third party VVOE for each borrowers Schedule C business2. Missing 2018 year end and Balance Sheet for B1 Schedule C business & B2 Schedule C business. 6.28.19 - Client responded. 1- Evidence of borrower(s) Schedule C business attached. XXX XXX (XXX). Same business address for both sole proprietorships.  2- No 2018 year-end balance sheet was obtained for either Schedule C business. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.6.28.19 - Clayton has reviewed and condition 1 cleared but condition 2 for balance sheet is a QM requirement. 7.1.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 6.28.19 - Exception remains. 7.1.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.42 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918 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. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has $8655.88 actual calculation 9898.90 closing costs $8655.88 - POC $635.43 = $8020.45. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.42 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client has changed status after review to Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.42 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing 6 months of mortgage history, last reporting date on CR XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.42 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918 CRDINC2488 Verbal verification of employment missing No Missing third party VVOE for each borrowers Schedule C business 6.28.19 - Client responded. Evidence of borrower(s) Schedule C business attached. XXX at XXX (XXX). Same business address for both sole proprietorships. 6.28.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.42 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0816150918 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close signed and dated by borrowers. 6.28.19 - Client responded. Confirmation of closure for XXX HELOC attached. Title Insurance Policy, Demand Statement and Closing Disclosure also attached to support XXX HELOC has been paid-in-full and restricted from future advances. 6.28.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.42 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been XXX for 10.42 years.
0807818862 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing balance sheet for XXX 7.8.19 - Client responded.No balance sheet was obtained for Schedule C business XXX. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.7.8.19 - Clayton has reviewed and although lender guides allow this to be waived it is a requirement for QM.  7.9.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 7.8.19 - Exception remains. 7.9.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.72%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 808. Minimum credit score for this program is 680.
0807818862 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per lender re-status to Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.72%. Max DTI for this program is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 808. Minimum credit score for this program is 680.
0236968332 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the Balance Sheet for XXX business XXX. 1.8.20 - Client responded. A balance sheet was not obtained for XXX. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. See Underwriting Notes attached, borrower doesnt utilize a balance sheet - only P&L.1.8.20 - Clayton has reviewed but per QM the balance sheet required. 1.10.20 - Client responded.  Re-status loan as Non-QM and re-grade accordingly. 1.8.20 - Exception remains. 1.10.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9.41 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0236968332 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9.41 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0236968332 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9.41 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0236968332 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client -  Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 9.41 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has had 0x30 for more than 24 months.
0520183751 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing evidence of tax/insurance payment amounts for REO at XXX 2. Incomplete Lease agreement for REO is only one page and does not state rent amount. 3. 2017/2018 1040s are not complete and only 2017 is signed as required for rent loss calculation.  9.25.19- Client responded. 1- The total monthly payment for REO at XXX is $1492.41 to include escrow. XXX loan details page attached. 2- Per lender guidelines, no lease agreement for REO at XXX was required. The rental income makes up < 25% of the total qualifying income and/or the most recent tax return not aged by nine months or more from the date of the last tax year filed.  3- Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 9.25.19- Clayton has reviewed and item 1 has been satisfied but not items 2 and 3. Both items required per QM. 9.27.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 9.25.19- Exception remains. 9.27.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751 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. No CD: XXX-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4582.47CD: XXX-1, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4052.04CD: XXX1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4582.47CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4052.04The difference of $ 535.43 is the closing cost paid out of closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per lender, Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing evidence of tax/insurance payment amounts for REO at XXX.  Clayton considers non-material due to compesating factors of 770 qual score, 64 mo. reserves and $7k/mo. residual income.   9.25.19- Client responded. The total monthly payment for REO at XXX is $1492.41 to include escrow. XXX loan details page attached. 9.25.19- Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0520183751 CRDINC150 Income docs do not meet guidelines No 1. Incomplete Lease agreement for REO is only one page and does not state rent amount. 2. 2017/2018 1040s are not complete and only 2017 is signed as required for rent loss calculation.  9.25.19- Client responded. 1- Per lender guidelines, no lease agreement for REO at XXX was required. The rental income makes up < 25% of the total qualifying income and/or the most recent tax return not aged by nine months or more from the date of the last tax year filed.  2- Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 9.25.19- Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $338,979.57 in total assets documented.  Effective amount is $213,477.56, with liquid assets of $25,224.54.  Post close reserves are $213,477.56.  Reserves required $3,284.76x 12 = $19,708.56

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrowers LTV of 66.75% is 13.25 lower than maximum of 80%
0607541062 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing verification of PITI for REO property located on XXX. 2. Missing signatures on 2017 business tax returns.  9.30.19 - Client responded. 1- New XXX loan for REO property on XXX has been conditionally approved. Loan is a purchase - new construction and hasn't closed yet, proposed monthly payment (PITIA) is $6295.78. Loan summary attached.  2- Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. 9.30.19 - Clayton has reviewed and item 1 is satisfied but item 2 remains as QM requires returns to be signed or 8879 in file noting signatures on file. 10.2.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 9.30.19 - Exception remains. 10.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0607541062 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. No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $16,714.30 and Section: Calculating Cash to Close, Field: Clayton Calculation, Value: $16,433.52. Difference of $280.78. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0607541062 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client, Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0607541062 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for REO property located on XXX 9.30.19 - Client responded. New XXX loan for REO property on XXX has been conditionally approved. Loan is a purchase - new construction and hasn't closed yet, proposed monthly payment (PITIA) is $6295.78. Loan summary attached. 9.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $1,721,973.58 or 244.81 months, guidelines require 24 months PITIA .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680.
0473140064 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing fully executed evidence the XXX with XXX #XXX-XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.2. Missing the current YTD Balance Sheet for B2 Schedule C business. 9.25.19- Client responded. 1- The XXX has been restricted from future advances. Executed Demand Statement for XXX #XXX-XXX attached.  2- No current YTD balance sheet for B2 Schedule C business was obtained. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.9.25.19- Clayton has reviewed and item 1 has been satisfied but not item 1.  Balance sheet required per QM. 9.27.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 9.25.19- Exception remains. 9.27.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 27.18%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.43%. Max DTI for this program is 43%.
0473140064 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per lender, Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 27.18%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.43%. Max DTI for this program is 43%.
0473140064 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing fully executed evidence the XXX with XXX #XXX-XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed. Clayton considers non-material based on compensating factors of low LTV, 27.18, DTI 25.43%, 809 qual score and 64 mo. reserves.  9.25.19- Client responded. - The HELOC has been restricted from future advances. Executed Demand Statement for XXX #XXX-XXX attached. 9.25.19- Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 27.18%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.43%. Max DTI for this program is 43%.
0111855447 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of HOI and taxes for REO on XXX. 9.25.19- Client responded. Annual property taxes for REO on XXX $6037 (property details and tax history attached). Unable to locate HOI. 9.25.19- Clayton has reviewed and property taxes have been satisfied but not HOI requirement.9.27.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 9.25.19- exception remains. 9.27.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 10 with employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447 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. No 1) Final CD XXX-2 Closing Costs Financed (paid from your loan amount) states $2,231.73; calculated total is $1,726.30. 2)  Post CD XXX and Post CD XXX Closing Costs Financed (paid from your loan amount)  $4,481.73 calculated total is $3,976.30. Difference of POC cost 505.43. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 10 with employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Lender. Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 10 with employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447 CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing second consecutive statement for XXX #XXX and missing second consecutive statement for XXX #XXX.  Clayton considers non-material based on compensating factors of 36.54% DTI, 769 qual score and 20 months reserves.  9.25.19- Client responded. XXX (4/1/19 - 4/30/19 and 2/1/19 - 2/28/19) for XXX #XXX and XXX#XXX attached. XXX XXX (6/1/19 - 6/30/19) for both XXX #XXX and #XXX attached. 9.25.19- Clayton has reviewed and the documents provided to satisfy the exception were the ones already received in the pdf;  XXX (4/1/19 - 4/30/19 and 2/1/19 - 2/28/19) for XXX #XXX and XXX #XXX and XXX XXX (6/1/19 - 6/30/19) for both XXX #XXX and #XXX already in file; Additional consecutive account statements still required.  9.25.19- Exception remains.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 10 with employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of HOI and taxes for REO on XXX.  Clayton considers non-material based on compensating factors of 36.54% DTI, 769 qual score and 20 months reserves.  9.25.19- Client responded. Annual property taxes for REO on XXX $6037 (property details and tax history attached). Unable to locate HOI.9.25.19- Clayton has reviewed and property taxes have been satisfied but not HOI.  9.25.19- Exception remains.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 10 with employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0111855447 CRDINSR3278 Hazard Insurance documentation in file is incomplete No Hazard insurance declarations page on subject property is missing annual premium amount. 9.25.19- Client responded. Annual premium amount is $1029.85 for subject property. Hazard insurance details page attached. 9.25.19- Exception satisfied.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 10 with employer as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $67,013.13. Reserves required $3,609.32 x 12 months = $43,311.84.
0921764266 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement and Balance Sheet for the co-borrowers XXX business, showing on Schedule C on the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 9.12.19 - Client responded. Both the P&L statement & balance sheet were waived. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower. Please re-status loan as Non-QM and re-grade accordingly. 9.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266 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. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -9478.96CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9002.79 (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266 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 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) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266 CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No Final LE XXX 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) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client change status to Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266 CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing YTD 2019 Profit & Loss Statement the co-borrowers XXX business, showing on Schedule C on the 1040s. Per lenders guidelines, A year-to-date profit and loss (P&L) statement and balance sheet are required if more than four months have lapsed since the last fiscal year end. 9.12.19 - Client responded. P&L statement for Schedule C was waived. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower. 9.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0921764266 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing YTD 2019 Balance Sheet for the co-borrowers XXX business, showing on Schedule C on the 1040s. Per lenders guidelines, A year-to-date profit and loss (P&L) statement and balance sheet are required if more than four months have lapsed since the last fiscal year end 9.12.19 - Client responded. Balance sheet for Schedule C was waived. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.  9.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 814

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 67.35%/ MAX LTV 80%.
0233656945 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Guidelines require a maximum DTI of 43%.  The final DTI is 39.43%.
0233656945 CRDCRMH104 Credit score below guidelines No Lender approved exception for credit score of 655 below the minimum of 720.  Compensating factors include; Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months, strong residual income of $12,769.02, and DTI is 39.43%, max per guidelines is 43%. Clayton considers non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Guidelines require a maximum DTI of 43%.  The final DTI is 39.43%.
0233656945 CRDTER3262 Property issues indicated No Lender approved exception in file  for Investor concentration greater than 50% for resort condo property.  No single entity owns more than 20% of units, no special assessments and HOA is not involved in any litigation.  The HOA allocates 17.7% of income to reserves.  LTV less than 70% on XXX in HI meets requirements. Compensating factors include; Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months, strong residual income of $12,769.02, and DTI is 39.43%, max per guidelines is 43%. Clayton considers non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,350,184.90 or 347.23 months PITIA, guidelines requires 36 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Guidelines require a maximum DTI of 43%.  The final DTI is 39.43%.
0676121309 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing current YTD balance sheet for B2 XXX business as required for QM. 9.18.19 - Client responded. A YTD balance sheet for B2 was not obtained. Per lender guidelines, the underwriter has discretion to waive financial statements for a XXX borrower.9.18.19 - Clayton has reviewed and although lender allows to be waived QM does require. 9.19.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 9.18.19 - Exception remains. 9.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $217,306.53.  Reserves required $6440.42 x 12 = $77,185.04

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 798, minimum required per G/L is 680
0676121309 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $217,306.53.  Reserves required $6440.42 x 12 = $77,185.04

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 798, minimum required per G/L is 680
0042626327                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 802.
0250203100                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 25.60; which is 17.4% lower than the maximum DTI allowed of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have an excellent credit history reflecting 0x30 within the last 24 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession fro 7 years and Co-Borrower has worked in the same profession for 10 years.
0981427612                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 qualifying score. Min required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.28%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $73,522.89 or 17.15 months PITIA, guidelines required 9 months PITIA.
0627861462                 CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Coborrower has 11 years on current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current profession.
0039058195                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying Score 797.
0139644050 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Lender exception for excluding small business loss but business returns for business, P&L and balance sheet not provided 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.84% below 43% maximum guideline
0139644050 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.84% below 43% maximum guideline
0139644050 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification that property taxes are included in the monthly payment with XXX secured by primary residence 9.11.18 - Client responded. Reviewer didn't include the taxes but included a monthly payment for POC's that should not have been added.  DTI with these corrections is 43.51%. Included monthly taxes of $776.80 - please see the updated IAD. DTI exception was approved at a higher DTI of 44.19%; therefore, it isn't required to be re-submitted for an updated exception.9.11.18 - Clayton has reviewed and documents provided support PITI for non subject property.  9.11.18 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.84% below 43% maximum guideline
0139644050 CRDINC888 Income Amount is  Unsupported by Documentation in File No Lender exception for excluding small business loss but business returns for business, P&L and balance sheet not provided.   10.30.19 - Clayton has reviewed and client guidelines allow the underwriter to waive the P&L's and Balance sheet therefore this exception is satisfied.  10.30.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds minimum 720 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.84% below 43% maximum guideline
0303224960 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 12.4.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  12.4.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $212,642.77.  Reserves required $4791.03 x 12 = $57,492.36

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.12%, max allowed per G/L is 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10 years
0484146170 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) Provide lease agreements for XXX and XXX for use of rental income 1.8.20 - Client responded. Per policy, lease agreements not required for XXX and XXX. Rental income used to qualify was derived from properties other than the subject. Rental income was calculated with the most recent 2 years of signed and filed complete 1040 tax returns.1.8.20 - Clayton has reviewed and per QM lease agreements are still required to compare to returns. 1.10.20 - Client responded.  Re-status loan as Non-QM and re-grade accordingly. 1.8.20 - Exception remains. 1.10.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.20%, 20.80% less than the guideline max of 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $717,074.82 in post closing reserves, or 223 months subject PITIA.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 33.33%.  Max LTV due to aggregate financing is 50.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 791, 71 points higher than the minimum of 720.
0484146170 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per lender -  Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.20%, 20.80% less than the guideline max of 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $717,074.82 in post closing reserves, or 223 months subject PITIA.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 33.33%.  Max LTV due to aggregate financing is 50.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 791, 71 points higher than the minimum of 720.
0842683133 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing VVOE for B2 for XXX income used prior to the Note date of XXX2.  Missing YTD 2019 Profit & Loss Statement and Balance Sheet for Borrower 2 XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 2.13.20 - Client responded. "1- Business verification (VOE) for B2 XXX attached. B2 is a XXX in XXX, XXX. NPI # XXX, CA License # XXX.  2- A YTD 2019 Profit & Loss Statement and Balance Sheet for B2 XXX(Schedule C - Sole Proprietorship) was not obtained. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. B2 has been XXX (XXX) since 1986 with stable to increasing levels of revenue and income."2.13.20 - Clayton has reviewed and although the VOE was provided for B2 we are still missing the P&L and Balance sheets for B2 that are required per QM. 2.14.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 2.13.20 - Exception remains. 2.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has XXX XXX since 1982

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0842683133 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has XXX XXX since 1982

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0842683133 CRDINC2488 Verbal verification of employment missing No Missing VVOE for B2 for XXX income used prior to the Note date of XXX 2.13.20 - Client responded. Business verification (VOE) for B2 XXX attached. B2 is a XXX in XXX. NPI # XXX, XXX License # XXX. 2.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has XXX XXX since 1982

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0842683133 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of $XXX which is a variance of -15.79% less than the original appraised value of $XXX. A field review has been ordered 2.28.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.28.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has XXX XXX since 1982

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  very low cltv of 17.11 program ios 70% this is 52.89% points below program
0579524202 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1: Significant time in profession 18yrs

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines; 52.05 month PITIA
0579524202 CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Approved Lender exception for Credit Risk Class Invalid or Insufficient (B1 has no fico score and no open credit. B2 has one open account. no current open credit and no activity in the past 12-months. All of the 10 trade lines reporting on credit have been closed. Clayton deems non-material based on compensating factors of Borrowers' willingness to repay the subject mortgage is supported by the fact that all debt has been paid in full without allowing it to go into serious delinquency. Customers do not have much credit activity in the past 2 years as they were living and working in XXX. B1 is continuing to work for the same employer and B2 started employment in the same field. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1: Significant time in profession 18yrs

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines; 52.05 month PITIA
0657971017 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1.) Missing YTD 2019 Balance Sheet for XXX business showing on Schedule C of the 1040s for Borrower 1 and Borrower 2's Schedule C Businesses. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 2.) The loan file is missing executed evidence that the XXX is  paid and closed to future draws.    2.18.20 - Client responded. If exception will remain, please re-status loan as Non-QM and re-grade accordingly. 1- No YTD 2019 balance sheets were obtained (applicable) for borrower's Schedule C business'. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. Additional documentation was obtained for B1 to support the overall stability of income used to qualify. B1 is a XXX for XXX (XXX). XXX effective 1/1/2019 - 12/31/2019 attached. This agreement will automatically renew on an annual basis. For as long as the agreement remains effective, XXX will pay B1 a XXX fee of $37,500 per month. XXX Activity Transcript attached to support the XXX fee of $37,500. B2 XXX income (XXX) makes up less than 2% of the total qualifying income and has minimal impact on ratios. The XXX business has been existence for a substantial amount of time and tax returns (2016-18) reflect stable to increasing levels of revenue and income. 2- Proof that XXX #XXX-XXX has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement, Closure Letter and Full Reconveyance.2.18.20 - Clayton has reviewed. Item 2 has been satisfied. Item 1; documents provided do not replace the required P&L or balance sheets per QM. 2.18.20 - Per client re-status and Non-QM.  2.18.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 776; Minimum credit score is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0657971017 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client re-status as Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 776; Minimum credit score is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0657971017 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No The loan file is missing executed evidence that the XXX is paid and closed to future draws.   2.18.20 - Client responded. Proof that XXX #XXX-XXX has been paid and closed to future draws attached, to include Closing Disclosure, Settlement Statement, Closure Letter and Full Reconveyance. 2.18.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 776; Minimum credit score is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0657971017 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of $XXX which is a variance of -15.84% less than the original appraised value of $XXX. A field review has been ordered. 2.24.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.24.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 776; Minimum credit score is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $487,348.69.  Per program guidelines, 12mo PITI/PL  required or $71,741.64.
0694690062 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD was not provided in the supporting documents in the file. Provide copy of missing document. 12.24.19 - Client responded. See attached final certified combined settlement statement showing seller side information. 12.24.19 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $133,808.82.  Reserves required $6,483.20 x 12 = $77,798.40

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 18 years
0761832757 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No File is missing Balance Sheets for borrower's Sch C business'.  B1: XXX and B2: XXX. 1.22.20 - Client responded. "No balance sheets were obtained for borrower's Schedule C business'. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. Income from sole proprietorships make up a small percentage of the total qualifying income."1.22.20 - Clayton has reviewed and although XXX Guides allow this to be waived it is a requirement for QM.1.23.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 1.22.20 - Exception remains. 1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of over 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 790; Minimum for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $552,748.67.  12mo reserves or $48,441.84 required.
0761832757 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of over 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 790; Minimum for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $552,748.67.  12mo reserves or $48,441.84 required.
0761832757 CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Lender approved exception for LTV 5% above max 75% vs. max of 70%) and cash out dollar amount exceeding program max (>$400K for LTV >65%).  Clayton deems non-material based on compensating factors of credit score 790, time in subject of 16 years and reserves of  136mo where 12mo are required.      (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of over 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 790; Minimum for program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $552,748.67.  12mo reserves or $48,441.84 required.
0926935255 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing verification of insurance for REO property on XXX.2. Provide documentation and LOE relating to "family support" payment of $3,500.00 shown in bank statement with XXX #XXX.  Additional conditions may apply.  1.14.20 - Client responded. 1- See Underwriting Notes for REO on XXX.  2- Unable to locate documentation and/or LOE relating to "family support" payment. However, it doesn't appear this in an continuous/regular payment per additional bank statements provided in file.1.14.20 - Clayton has reviewed. Per issue #1 QM requires proof of PITI on all non-subject properties. Per issue #2 an LOE would need to be provided to clarify if this was a short term thing or long term and reason for the support. 1.15.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 1.14.20 - Exception remains. 1.15.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0926935255 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0926935255 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of insurance for REO property on XXX. 1.14.20 - Client responded. See Underwriting Notes for REO on XXX.1.14.20 - Clayton has reviewed underwriting notes. Although subject loan is low DTI of 31% we still need confirmation of non subject PITI and we don't have that. This not only causes a Credit exception issue but QM issue. 2.11.20 - As this is now a Non-QM loan this time and based on Wells Fargo Guidelines this is considered non-material as the property has no mortgage against it and only HOI and Property taxes therefore not effecting the overall DTI but very little. Based on reserves and low DTI this is considered non-material by Clayton. 1.14.20 - Exception remains. 2.11.20  - Exception remains.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0926935255 CRDLGL140 Missing subordination agreement for existing junior lien No Require subordination agreement for XXX XXX; authorization to reduce credit limit from XXX to XXX.  Subordination agreement in file is for credit limit of XXX. 1.14.20 - Client responded. Subordination (Modification) Agreement reducing the credit limit from XXX to XXX attached. 1.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum FICO of 680 is required. Borrower FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require 12 months PITI post closing reserves in the amount of $91,295.04
0641544091 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 3.18.20 - Client responded. A YTD 2019 P&L and Balance Sheet for XXX business showing on Schedule C was not required. 2019 filed (signed) 1040s including all applicable schedules attached. 3.18.20 - Clayton has reviewed and although the lender guidelines do not require it is required per QM. 3.19.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 3.18.20 - Exception remains. 3.19.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.57% max per guidelines is 43%.
0641544091 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.57% max per guidelines is 43%.
0641544091 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.57% max per guidelines is 43%.
0280634150 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing signed 2018 + 2017 1120s as required per ATR/QM G/L when using XXX income to qualify2. Missing rental leases on XXX as required per ATR/QM G/L when using rental income to qualify 2.18.20 - Client responded. If exception will remain, please re-status as Non-QM and re-grade accordingly. 1- Per policy, 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- Lease agreements were not required. The most recent 2 years of signed and filed complete tax returns, including Schedule E were obtained to document rental income used to qualify on XXX.2.18.20 - Clayton has reviewed and item 1 is satisfied but item 2 is not. QM requires the Leases as well as the schedule E on rental properties for comparison. 2.18.20 - Client requested re-status to Non-QM.  2.18.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,144,642.51.  Reserves required $8621.17 x 12 = $155,181.06

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been XXX for almost 10 years
0280634150 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client re-status as Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,144,642.51.  Reserves required $8621.17 x 12 = $155,181.06

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been XXX for almost 10 years
0684792372 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 3.24.20 - Client responded. No P&L or Balance Sheet was obtained for borrower's Schedule C business (XXX). Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. 1- The XXX business has been existence for a substantial amount of time (over 18 years), and previous years' tax returns reflect stable business income.  2- This income makes up a small percentage of the total qualifying income.3.24.20 - Clayton has reviewed and although lender allows the Underwriter to waive the P&L and Balance sheets they are a requirement for QM. 3.25.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 3.24.20 - Exception remains. 3.25.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 791, 789, 803, 806 with a minimum credit score of 680.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers 1 & 2 have significant time at current residence with 26.8 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrowers 3 & 4 have significant time at current job (XXX) with 18.8 years.
0684792372 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 791, 789, 803, 806 with a minimum credit score of 680.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers 1 & 2 have significant time at current residence with 26.8 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrowers 3 & 4 have significant time at current job (XXX) with 18.8 years.
0937766655 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule E of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 2.25.20 - Client responded. No P&L and Balance Sheet were obtained for borrowers S-Corp. Per lenders credit policy, underwriters have the discretion to waive profit & loss statements and balance sheets in scenarios where the business has been in existence for a substantial amount of time.  Borrower has owned business over 5 years, with last 3 years 1120S returns in file supporting stable income. 2.25.20 - Clayton has reviewed and although lender guides do not require they are required per QM. 2.26.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 2.25.20 - Exception remains. 2.26.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 784; minimum required credit score per guidelines is 680

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 72.09%; max allowed LTV per guidelines is 80%.
0937766655 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 784; minimum required credit score per guidelines is 680

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 72.09%; max allowed LTV per guidelines is 80%.
0937766655 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of $XXX  which is a variance of -11.6279% less than the original appraised value of $XXX.  A Field Review has been ordered.  3.6.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.6.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 784; minimum required credit score per guidelines is 680

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 72.09%; max allowed LTV per guidelines is 80%.
0256333715 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.Missing YTD 2019 Profit & Loss Statement for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.  1.14.20 - Client responded. 2019 P&L for XXX business (for B2) showing on Schedule C-EZ attached. A balance sheet was not obtained. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower. See Underwriting Notes attached, a balance sheet was not applicable.1.15.20 - Clayton has reviewed and although borrower is Schedule C and 1099 a Balance sheet is required per QM even if it just says $0 on it. 1.15.20 - Per client please re-status to Non-QM. 1.15.20 - Exception remains.1.15.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 752 is 72 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years experience in profession.
0256333715 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client re-status as Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 752 is 72 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years experience in profession.
0256333715 CRDINC150 Income docs do not meet guidelines No Missing both borrowers signatures on the 2018 tax returns. 2018 tax returns are self -prepared and unsigned.   1.14.20 - Client responded. 2018 tax returns for B2 prepared by XXX:  Per policy, If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. Unable to locate acceptable (signed) 2018 tax returns for B1.1.14.20 - Clayton has reviewed and still missing B1 signed returns. 2.10.20 - As loan was re-designated to Non-QM this no longer is a valid exception.  1.14.20 - Exception remains. 2.10.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 752 is 72 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years experience in profession.
0628501373 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing last quarter Profit and Loss Statement and Balance Sheet for Sched C borrower income verification; not required per guides but required per Appendix Q for loan to be QM.  2.25.20 - Client responded. No P&L and Balance Sheet were obtained for co-borrower's Schedule C buisness. Per lenders credit policy, underwriters have the discretion to waive profit & loss statements and balance sheets in scenarios where the business has been in existence for a substantial amount of time.  Co-borrower has XXX business over 5 years (20 years in profession), with last 2 years tax returns reflect stable to increasing levels of revenue and income. 2.25.20 - Clayton has reviewed and although lender guides do not require it is a requirement for QM. 2.26.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 2.25.20 - Exception remains. 2.26.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 757 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.97% DTI.
0628501373 CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Zero tolerance fee increased for additional appraisal fee $736 at or prior to closing without a valid reason or COC. Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 2.26.20 - Client responded. Agree:  Appraisal fee increased from $634 to $1370 with no valid CoC. $661 refunded for increase in cost above legal limit.   Additional refund of $75 required to complete remediation. Remediation requested.3.10.20 - Client responded. See attached PC CD, LOX, and Refund Check. 2.26.20 - Exception remains. 3.10.20 - Exception satisfied.  Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 757 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.97% DTI.
0628501373 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 757 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.97% DTI.
0966576986 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the 1125-E or W2's to support the Compensation to Officer income reported on the 1120S Tax returns. 2. Missing YTD 2019 Balance Sheet for XXX business showing on Schedule E of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 3.16.20 - Client responded. 1- Summary of W2's, K1's to support compensation of officers income reported on the 1120S tax returns attached. Shareholder 1 (B1) = 51%; Shareholder 2 (B2) = 49%; 2018 Compensation of officers = $189,583; B1 $96,687 + B2 $92,896 = $189,583. 2017 Compensation of officers = $134,855; B1 $49,063 + B2 $85,792 = $134,855. 2- No YTD 2019 Balance Sheet was obtained for XXX business. Per policy, the underwriter has discretion to waive financial statements for a XXX borrower.3.16.20 - Clayton has reviewed and item 1 is satisfied but item 2 for the Balance sheet is still required per QM. 3.17.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 3.16.20 - Exception remains. 3.17.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of profession for 16 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,677.02.  Reserves required $3,440.60 x 12 = $41,287.20
0966576986 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of profession for 16 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,677.02.  Reserves required $3,440.60 x 12 = $41,287.20
0966576986 CRDINC2408 Income verification does not meet guidelines No Missing the 1125-E or W2's to support the Compensation to Officer income reported on the 1120S Tax returns. 3.16.20 - Client responded. 1- Summary of W2's, K1's to support compensation of officers income reported on the 1120S tax returns attached. Shareholder 1 (B1) = 51%; Shareholder 2 (B2) = 49%; 2018 Compensation of officers = $189,583; B1 $96,687 + B2 $92,896 = $189,583. 2017 Compensation of officers = $134,855; B1 $49,063 + B2 $85,792 = $134,855.  3.16.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been XXX in the same line of profession for 16 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $142,677.02.  Reserves required $3,440.60 x 12 = $41,287.20
0691005003 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing B2 P&L statement and Balance Sheet 3.3.20 - Client responded. No P&L or Balance Sheet was obtained for B2's Schedule C business (XXX). Per policy, the underwriter has discretion to waive financial statements for a XXX borrower.3.3.20 - Clayton has reviewed and although lender policy allows to waive they are required for QM. 3.4.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 3.3.20 - Exception remains. 3.4.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.30% DTI is below max guideline of 43%.
0691005003 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.30% DTI is below max guideline of 43%.
0691005003 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX XXX has been paid and closed to future draws, authorization document not signed / dated by borrowers. 3.3.20 - Client responded. Proof that XXX with XXX #4XXX has been paid and closed to future draws attached, to include Closing Disclosure and XXX Confirmation of Closure Letter. 3.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 790 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.30% DTI is below max guideline of 43%.
0107542073 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing signed 2018 1040s as required per ATR/QM G/L when using XXX income to qualify 2. Missing leases for XXX and commercial property on XXX as required per ATR/QM G/L when using rental income to qualify   3.4.20 - Client responded. 1. Per policy: If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting. CPA's PTIN is provided on tax return, signature not required. Attached is the 2018 tax return  with CPA PTIN #. 2. Per guidelines lease agreements not required. Attached are 2017 & 2018 tax returns confirming rental income for XXX on Schedule E's. Also attached are Underwriting notes regarding XXX property.3.4.20 - Clayton has reviewed and item 1 satisfied. Per QM Leases as well as Schedule E's are required. 3.5.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 3.4.20 - Exception remains. 3.5.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.83%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $180,372.65.  Reserves required $3877.03 x 18 = $69,786.54
0107542073 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.83%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $180,372.65.  Reserves required $3877.03 x 18 = $69,786.54
0242659236 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX Other Costs section, Field F: HOI is missing actual payee name, corrected on Final CD XXX Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.57% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  749 qualifying score.
0991610154 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 12.13.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX 12.13.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 792 for the primary wage earner, minimum required per G/L is 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have Post close reserves in the amount of $95,709.29.  Reserves required $3498.87 x 12 = $41,986.44
0521593748 CMPTRID5089 TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged No Loan Disclosures Section shows Escrow Waiver Fee of $2981.25. There is no Escrow Waiver Fee disclosed in Sections A, B or C of CD. No Alta Statement provided in File and no Evidence if Fee was charged. 1.18.19 - Client responded. See Attached PC CD and LOX. 1.18.19 - Clayton has reviewed and the PCCD corrects error.  LOX and proof sent was provided as well.  1.18.19 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have Post close reserves in the amount of $1,537,231.13.  Reserves required $8061.53 x 12 = $96,738.36

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-Borrower has additional SCH C Income in the amount of $746.20 not used to qualify

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%, max allowed per G/L is 80%
0521593748 CMPTRID5097 TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures No Loan Disclosures Section shows Escrow Waiver Fee of $2981.25. There is no Escrow Waiver Fee disclosed in Sections A, B or C of CD. 1.18.19 - Client responded. See Attached PC CD and LOX. 1.18.19 - Clayton has reviewed and the PCCD corrects error.  LOX and proof sent was provided as well.  1.18.19 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have Post close reserves in the amount of $1,537,231.13.  Reserves required $8061.53 x 12 = $96,738.36

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-Borrower has additional SCH C Income in the amount of $746.20 not used to qualify

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%, max allowed per G/L is 80%
0521593748 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 12.17.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  12.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have Post close reserves in the amount of $1,537,231.13.  Reserves required $8061.53 x 12 = $96,738.36

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co-Borrower has additional SCH C Income in the amount of $746.20 not used to qualify

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%, max allowed per G/L is 80%
0989966163 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide Missing Balance sheet; required for XXX borrower. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $72,883.38 or 19.84 months
0989966163 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $72,883.38 or 19.84 months
0989966163 CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Balance sheet missing; required for XXX borrower 12.21.18 - Client responded. XXX considers loan Non-QM due to using business bank statements in lieu of Balance Sheet. 6.14.19 - Clayton has reviewed bank statements are acceptable in lieu of an actual balance sheet.  12.21.18 - Exception remains. 6.14.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $72,883.38 or 19.84 months
0666871421                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 12 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 809, minimum required per G/L is 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $509,957.17.  Reserves required $4188.78 x 12 = $50,265.36
0688749724                 CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employer for 9 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 54.77 %; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 700.
0447571739 CRDAST205 Insufficient Funds to Close No Provide proof of liquidation of a minimum $18,321.10  funds required to close.  2.6.19 - Client responded. UW received exception approval to waive the liquidation requirement 2.6.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 0 late mortgage payments.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 25 years.
0447571739 CRDAST2670 Asset documentation is insufficient per guideline requirements No Per guidelines, 2 month bank statements are required to meet the minimal documentation requirement.  Missing XXX statement for Sept 2018 or Nov 2018 for acct #XXX.  Only one month is in the file. 2.6.19 - Client responded. The XXX account was not used for reserves or cash to close  2.6.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 0 late mortgage payments.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 25 years.
0284086889 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.7.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX 3.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score of 772 exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves are $445,868.66, or 78 months subject PITIA.
0223411300 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.4.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX  4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  10 years XXX

CFCFS2860: Good credit history
- Clayton Comments:  no mortgage lates within 12 months
0501538580 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing P&L statement and Balance Sheet for B1 Schedule C business as required for QM. 10.21.19- Client responded,Re-status loan as Non-QM and re-grade accordingly. 10.21.19- Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score exceeds the guidelines required score of 720 by 64 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  43 month verified cash reserves exceeded the guidelines required 12 months reserves
0501538580 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD not in file; need in order to complete fee entry.  Provide copy of missing document. 10.18.19 - Client Responded. The CD provided at closing is a combined CD which has both Seller and Borrower fees, thus no need for a separate Seller CD; therefore, a seller CD wasn't done for this loan.  See attached CD for both the borrower and seller. 10.18.19 - Exception Satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score exceeds the guidelines required score of 720 by 64 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  43 month verified cash reserves exceeded the guidelines required 12 months reserves
0501538580 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client responded,Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score exceeds the guidelines required score of 720 by 64 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  43 month verified cash reserves exceeded the guidelines required 12 months reserves
0669254856 CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Name on NMLS XXX 3.18.19 - Client responded. Attaching copy of NMLS registry for Loan Officer. Also attaching copy of final 1003 reflecting Loan Officer electronic signature XXX. NMLS number matches between the NMLS registry and the 1003. This appears to be adequate evidence that XXX are one in the same.  3.18.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0669254856 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Summaries of Transactions Section (K), Solid Waste Fee is missing Date to Date information. provide revised CD to include the to and from dates for the solid waste fee. Revised CD and LOX to borrower.  (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0669254856 CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD XXX Other Cost Section H, Home Warranty Fee being paid by the borrower. However, the optional designation is missing. Revised CD that includes optional designation for Home warranty fee in section H required. Revised CD and LOX to borrower.  (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0669254856 CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing E Consent from file for Initial CD dated XXX 4.1.19 - Client responded.  Contacting Correspondent Client for e-Consent form4.29.19 - Client responded. See Attached eConsent dated XXX 4.1.19 - Exception remains. 4.29.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0669254856 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 No Missing E Consent from file for Initial LE dated XXX that was E Signed on XXX 4.29.19 - Client responded. See Attached eConsent dated XXX  4.29.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0669254856 CRDTER110 Loan amount exceeds guideline maximum No Approved lender exception for loan amount of XXX and proof of liquidation of stocks for cash to close. Compensating factors: LTV below max allowed. Additional income received, but not being used to qualify. Borrower has been on job for 12 years. Increased earnings from previous years. Positive mortgage pay history on primary residence. Borrower has minimal debt. Significant reserves including retirement funds not fully used for qualification. Clayton views exception as non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0669254856 CRDTER3124 Loan documents do not meet guideline requirements No Missing evidence in file of Condo Project CPM Review. Per Appraisal review notes Lender is to retain a  final Acceptance letter for the subject project and phase and keep in final closing package. Approval expires XXX. Loan must close on or prior to that date otherwise CRT Review is null and Void and updated Project approval or Approval Extension will be requested. Closing date shows as XXX3/13/2019- Exception considered Non Material: Verified cash reserves exceed guidelines , LTV below guideline requirements (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 12 years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No current or previous derogatory mortgage payments

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 58.62%. Max LTV is 70%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is receiving restricted stock units not being used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.77 months in reserves
0288069721                 CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has 13 years in the same profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771/803 credit scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  27 months of mortgage payments without any lates.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $337,676.73 = 34 months of PITI payments for all 3 properties combined.
0882055575                 CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for over 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score per guidelines is 775; minimum required credit score per guidelines is 720.
0969405083 CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD XXX e-signed; no e-consent in file 4.1.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached. 4.1.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid FICO of 762 exceeds minimum required FICO 700 by 62 points.
0969405083 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 No LE XXX e-signed via acknowledgement of LE XXX; no e-consent in file 4.1.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached. 4.1.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid FICO of 762 exceeds minimum required FICO 700 by 62 points.
0964453250                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Guidelines require a minimum credit score of 700;  Borrower has a qualifying score of 795.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves  of $140,318.13 exceed required reserves of $52,089.96
0960894460 CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product No Final CD XXX Other Costs Section H, Home Warranty Fee is Partially Borrower Paid and does not include the Optional Designation. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for 14 years

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for 5 years
0960894460 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing satisfactory evidence of 12/2018, 1/2019, 2/2019 mortgage payment history for XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for 14 years

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing primary residence for 5 years
0686927117                 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX for15 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same Employer XXX for 5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same Employer XXX for4 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 76 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed 50 months.
0858224311 CRDCRMH118 Mortgage/rental lates exceed guidelines No Approved Lender Exception for 2x30 rental history.  Rent late due to Auto Pay error. 12/2018 rent paid late due to electrical issues that landlord needed to fix. Compensating factors are high credit score, low payment shock & level of credit use. Considered non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 11 years and Co-Borrower has14 years in their professions.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $1,511,889.84. Reserves required of 12 x $5,782.86 = $69,394.32.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.67% below guidelines of 80% by 13.33 points.
0858224311 CRDDTI105 Debt Ratio Exception 5% or Less No Approved Lender Exception for housing ratio > 36%.  Compensating factors include a history of devoting a higher portion of income towards housing. Considered non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 11 years and Co-Borrower has14 years in their professions.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $1,511,889.84. Reserves required of 12 x $5,782.86 = $69,394.32.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 66.67% below guidelines of 80% by 13.33 points.
0151536873                 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 785 > guideline minimum is 700.
0594957881 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations.  Provide copy of missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 24 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.36% is below requirement.
0594957881 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 24 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.36% is below requirement.
0594957881 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 24 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.36% is below requirement.
0181607847 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide evidence of monthly HOA fees for departing residence (XXX). 4.2.19 - Client responded. See attached electronic withdrawal for HOA dues on departure residence 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months subject property reserves required (12*4032.10= $48385.20); 44.98 months reserves verified

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.16%
0181607847 CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide evidence of monthly HOA fees for departing residence (XXX). 4.2.19 - Client responded. See attached electronic withdrawal for HOA dues on departure residence 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months subject property reserves required (12*4032.10= $48385.20); 44.98 months reserves verified

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.16%
0561713230                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $246,753.88.Required reserves : $83,931.30 ($4662.85x18)

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.62% below guideline requirement.
0580493960                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX at current job for over 15 years.
0359700682 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Summaries of Transaction Section K is missing adjustment to/from dates for association dues.Requires corrected PCCD, LOX and copy of shipping.  (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated Assets $573,089.50; Effective Amount (Assets Used) $573,089.50; Liquid Assets $573,089.50;   Post Cash Reserves are in the amount of $470,975.91.
0359700682 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.5.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated Assets $573,089.50; Effective Amount (Assets Used) $573,089.50; Liquid Assets $573,089.50;   Post Cash Reserves are in the amount of $470,975.91.
0762996387 CMPSTCP2129 MD Counseling Notice not in file No MD Counseling Notice not in file. Provide copy of missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20% below guideline requirement

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 21months exceed guidelines 12months.
0591713842                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 52.64%; max allowed LTV per guidelines is 65%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 23.7568%; max allowed DTI per guidelines is 43%.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 760 exceeds the minimum of 720
0412138716 CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 form used for same lender to same lender refinance and should be H8 form.  4.15.19 - Client responded. Disagree: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar.4.15.19 - Clayton has reviewed and per the Clayton Compliance department and the US Circuit Court for this District the H8 form is the correct form to be used when a refinance with a different lender. Per this District this is a material exception. 11.26.19 - Client Responded. Updated 11/22/2019:  Disagree.  XXX is the refinance lender and the original lender as evidenced by Closing Disclosure and Title Commitment.  Use of Model form H-9 was appropriate for this transaction.  See attached documents. 4.15.19 - Exception remains.11.26.19 - Exception Satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI of 37.65%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Low LTV of 55.6%.
0708668607                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  23 years with the same employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805/792 credit scores; minimum score is 720.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  46 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $363,010.11 = 90 PITI mortgage payments.
0359030118 CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD: XXX [Last CD], Section: Other Disclosures, Field: Loan Acceptance,  Not present and Section: Other Disclosures,  Confirm Receipt section not  present (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10.5 years on his current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post close liquidity of $173,816.30.   $173816.30 / piti $7742.98 = 22.45 months reserves.  Reserves required $7,742.98 x 12 = $92,915.76.
0359030118 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial  CD XXX  not confirmed by borrower  4.2.19 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) with electronic delivery XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was opened by the consumer on XXX. Copy of electronic audit trail and electronic consent page showing the confirmation date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10.5 years on his current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post close liquidity of $173,816.30.   $173816.30 / piti $7742.98 = 22.45 months reserves.  Reserves required $7,742.98 x 12 = $92,915.76.
0359030118 PRVAVALU153 Value Not Supported No A Desk review was received with a reported value of $XXX which has a variance of -27.54% less than the original appraised value of $XXX. A field review has been ordered.      4.2.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10.5 years on his current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post close liquidity of $173,816.30.   $173816.30 / piti $7742.98 = 22.45 months reserves.  Reserves required $7,742.98 x 12 = $92,915.76.
0963333981 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Lender approved DTI exception for rations exceeding 43% at 46.69%.   Loan was originally submitted and approved with bonus income, however, it turns out that what was listed was not bonus.  DTI over the QM allowed 43%.  6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24.71 months PITI verified, 12 months PITI required.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in his profession for 20 years (XXX).B2 in her profession for 18 years (XXX).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 700.
0963333981 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing  RESPA - List of homeowners counseling organizations.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24.71 months PITI verified, 12 months PITI required.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in his profession for 20 years (XXX).B2 in her profession for 18 years (XXX).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 700.
0963333981 CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved DTI exception for rations exceeding 43% at 46.69%.   Loan was originally submitted and approved with bonus income, however, it turns out that what was listed was not bonus.  Compensating Factors include:  minimal use of revolving credit, established satisfactory housing repayment and potential for increased earnings. 3.20.19 - Client responded. XXX UW used just base income to qualify for each borrower, $9012.00 for B1 and $15,416 for B2. See attached VOE and paystub 3.20.19 - Exception remains.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  24.71 months PITI verified, 12 months PITI required.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in his profession for 20 years (XXX).B2 in her profession for 18 years (XXX).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 774. Minimum credit score for this program is 700.
0637871952 CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No  List of homeowners counseling organizations dated XXX, is not within 3 days of application dated XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.70% DTI is below 43% maximum per guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  185 Months PCL exceeds maximum per guidelines. Borrowers have other assets not used to qualify.
0637871952 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers dated XXX is not within 3 days of initial application dated XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.70% DTI is below 43% maximum per guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  185 Months PCL exceeds maximum per guidelines. Borrowers have other assets not used to qualify.
0089767037 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Lender must provide the Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19% below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 802 exceeds guidelines
0089767037 PRVAVALU153 Value Not Supported No A Desk review was received with a reported value of $XXX which is a variance of -18.75% less than the original appraised value of $XXX. A field review has been ordered 4.4.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  4.4.19 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19% below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 802 exceeds guidelines
0251271268 CMPSTCP2129 MD Counseling Notice not in file No  MD Counseling Notice not in file  4.15.19 - Client responded. See attached Counseling Notice  and verification that it was received. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 166 months reserves.
0251271268 CRDAST205 Insufficient Funds to Close No Missing evidence of liquidation of funds for $626,193.82; CTC is $766,677.06 with only $140,483.24 liquid funds verified and $2691879.80 in non-liquid accounts.  Compensating factors include DTI 41.44%, 763 qual score, $27,351.12 residual income, B2 25 years in profession.  Clayton considers non-material based on compensating factors.      (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 8.5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 166 months reserves.
0782958136 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $375,908.80.  Reserves required $59,112 ($4926 x 12)

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 27.40.  Maximum LTV per guidelines is 80%.
0782958136 PRVAVALU153 Value Not Supported No 6.4.19 - A Desk review was received with a reported value of XXX which is a variance of -11.17% less than the original appraised value of XXX. A field review has been ordered.   6.17.19- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX 6.17.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $375,908.80.  Reserves required $59,112 ($4926 x 12)

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 27.40.  Maximum LTV per guidelines is 80%.
0962555915 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Per QM requirement missing copy of balance sheet for XXX. 6.11.19  - Client responded and designated loan as Non-QM. 6.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower with 45 months PITI reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.61% below guideline requirement.
0962555915 CRDATRQM5371 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client Request to re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower with 45 months PITI reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.61% below guideline requirement.
0660266447 CRDAST205 Insufficient Funds to Close No Approved lender exception for liquidation of Funds. Compensating factors include significant assets in excess of required PCL; strong stock assets more than sufficient for cash to close. Representative credit score exceeds 800. Clayton has reviewed and based on compensating factors considers non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,302,258.88.  Reserves required $8,002.35 x 12 = $96,028.20.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.43% DTI is below guideline maximum.
0660266447 PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.14.19- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,302,258.88.  Reserves required $8,002.35 x 12 = $96,028.20.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.43% DTI is below guideline maximum.
0515751289 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Exceeds points and fees threshold of 3%. Discount points charged but nothing in file to validate start rate prior to buying down and if points are bona fide.  7.31.19 - Client responded. See attached Rate Lock In which reflects the bona fide rate. 7.31.19 - Clayton has reviewed the rate lock sheet and rate prior to discount is not reflected. Need rate prior to the discount being applied. 8.2.19 - Client responded. Agree: loan fails QM Points and Fees. Re-status loan as Non-QM and re-grade accordingly (if applicable). 7.31.19 - Exception remains. 8.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Tested Post Close CD dated XXX - Finance charge in the amount of $629,458.61 matches review calculation of $629,458.61.       exception satisfied (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Provide a lox or updated Cd's with the correct values to match the Le XXX Calculating Cash To Close, Field: Estimated Cash to Close, Value: -1691 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CMPTRID4311 TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Provide Lox or updated Cd's with the correct values to match Le XXX Calculating Cash To Close, Field: - Adjustments and Other Credits, Value: -5092 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No  Provide a updated post close Cd with the correct values to match the final Le dated XXX. Standard form used.   (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Cd XXX, XXX, XXX and XXX: Other costs screen: Section E:  Fee's are not itmemized for recording fees. Provide a Lox or updated Cd with the correct information provided within 60 days of consummation. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0515751289 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client Agree: loan fails QM Points and Fees. Re-status loan as Non-QM and re-grade accordingly (if applicable). 9.24.19 - Client responded. 9/23/2019:   CD issued XXX included over  tolerance credits of $169.56.   Credit Report over tolerance refund of $8, VOE Fee $$43.45, and Administration Fee $118.11.  9/16/2019 additional refund of $20.38 to remedy QM issues.  Refund includes per diem interest.  See attached PC CD and copy of Refund check.9.24.19 - Clayton has reviewed and cure decreases Points and Fees to under 3% and makes loan XXX 9.24.19 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700; PWE credit score is 818.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $89,002.12.  12mo PITI/PCL  required or $59,538.60.
0780847153 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing YTD 2019 Balance Sheet for Borrower 2 pertaining to the  XXX business showing. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.2. Most recent 2 years 1120 Corporate returns and YTD profit and loss and balance sheet missing for XXX. Per LOX, this corporation is currently owned by the borrower and holds title to the retained rental property as further supported on the evidence of hazard insurance. 8.12.19 - Client responded. A balance sheet is not required on Schedule C business per Seller Guide section 825.06(d). Tax returns are not available for XXX as this was just a LLC set up for the property at XXX and the income flows over to the borrowers schedule E on the 1040's.8.12.19 - Clayton has reviewed and although item #2 is cured item #1 is not. QM still required the balance sheet. 8.13.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 8.12.19 - Exception remains. 8.13.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0780847153 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client, Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0780847153 CRDAST205 Insufficient Funds to Close No XXX xxXXX XXX $75,556.41; XXX xxXXX XXX $97,776.78 Total $173,333.19 in liquid funds; per CD dated XXX $177,358.89 funds required to close.  Short liquid funds in the amount of $-4,025.70. 8.12.19 - Client responded. Agree that the borrower is short liquidated funds by $4025.  Since the last XXX bank statement was dated 5/24/19, it is not unreasonable to assume that the borrowers bi-weekly payroll deposits would have made up the difference needed to be validated as liquid.8.12.19 - Clayton has reviewed and based on borrower income and standard payroll deposits considers this non-material.  8.12.19 - Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0780847153 CRDINC3204 Income Documentation Missing No Most recent 2 years 1120 Corporate returns.  Per LOX, this corporation is currently owned by the borrower and holds title to the retained rental property as further supported on the evidence of hazard insurance. 8.12.19 - Client responded. XXX in which the property at XXX is held.  The income from that property flows directly to the borrower via the schedule E. See attached letter.  8.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Overall DTI is 32.66%; max per guidelines is 43%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  43 months pay history reported for XXX xxXXX on retained property with zero lates reported.
0344082665 CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Only LE in file is LE XXX. Final CD XXX CCTC Table LE Column Total Closing Costs shows as $26,973 and Cash to Close shows as $651,973. These Values do Not match the LE XXX showing Total Closing Costs as $56,974 and cash to Close as $681,974. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.49%; guideline maximum is 43%.
0799137988 CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No Seller-Paid fee indicated on Seller CD not disclosed on page 2 of the Borrower Final CD.File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 30 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $320,928.09 or 55.61 months PITIA, guidelines requires 18 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 800; Minimum credit score for program is 720.
0799137988 CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved exception in file for DTI exceeding maximum of 40% for 2nd home purchase.  Compensating factors include 800 qualifying score. Min required per guidelines is 720; Post close reserves are $320,928.09 or 55.61 months PITIA, guidelines requires 18 months reserves and the borrower has been in current profession for 30 years.   Clayton considers non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 30 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $320,928.09 or 55.61 months PITIA, guidelines requires 18 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 800; Minimum credit score for program is 720.
0255092108 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  29.41% LTV max allowed per guidelines is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0255092108 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX-1, XXX-1 and XXX-1 Contact Information Section, no State listed for license numbers, no address listed for seller Mortgage Broker (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  29.41% LTV max allowed per guidelines is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0255092108 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller paid RE Commissions on Seller CD, not on Final CD XXX-1. Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  29.41% LTV max allowed per guidelines is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0255092108 CRDINC150 Income docs do not meet guidelines No Lender approved exception for accepting YTD P&L statements and Balance sheets prepared by B2.  Compensating factors include 24.34% DTI, max per guidelines is 43%, 29.41% LTV max allowed per guidelines is 80% and 812 qualifying score. Min required per guidelines is 700. Clayton considers non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  29.41% LTV max allowed per guidelines is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,735.64 or 117.64 months, guidelines require 12 months PITIA
0394335880                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 39.40% lower than lender max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required Reserves $5573.11 X 12 = $66877.32Post closing reserves $76,709.80
0046496761 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No XXX verification of her annuity income of $8,991  is missing. 7.23.19 - Client responded. See attached annuity statement 7.23.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0046496761 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller CD: XXX-1, Closing Cost Details, Other Costs, H. Other, fees paid by Seller include: Home Warranty Fee, Real Estate Commission Fee (same agent used for both Borrower and Seller), Refundable Security Deposit, Seller Rentback, and Title - Owner's Title Insurance Fee. Borrower's Final CD: XXX-1, and post close CD: XXX-1, Closing Cost Details, Other Costs, H. Other, fees paid by Seller include: Home Warranty Fee and Real Estate Commission Fee (same agent used for both Borrower and Seller). Borrower's CDs are missing Seller paid fees that are listed on Seller's CD. Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0046496761 CRDAPP4625 The orig file does not contain a third party fraud report No Provide the legible LoanSafe Fraud manager for XXX and XXX. 7.23.19 - Client responded. See attached Third Party Fraud report for XXX and XXX 7.23.19 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0046496761 CRDINC2302 Missing Required Income Documentation No XXX verification of her annuity income of $8,991  is missing. 7.23.19 - Client responded. See attached annuity statement 7.23.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Effective amount of assets verified is $947,569.42, with liquid assets of $555,490.11.PCL= $392,079.31.$392,079.31 / piti $9355 = 41.91 months reserves. Guides require 12 months reserves.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Co-borrowers 3 & 4 have owned their current residence for 12 years.
0635699069                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.81%. Max DTI for this program is 43.00%.
0921535455                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $209,605.54  or 51.07 months, guidelines require 12 months PITIA.
0694875724 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Refers to all CD's: 1) Section: Loan Costs Section B: Appraisal fee is missing the payee name. 2) Section: Other Cost Section F: Homeowner's Insurance Premium Fee is missing specified payee name. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 46 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 783. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0694875724 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller paid real estate fees are not present on the borrower's Final CD.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 46 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 783. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0694875724 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD is not in the file, need in order to verify seller paid fees.  7.3.19 - Client responded. Requesting Seller side CD from Lender Client.7.17.19 - Client responded. See attached Seller CD. 7.3.19 - Exception remains. 7.17.19 - Exception satisfied.  Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 46 months reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 783. Minimum credit score for this program is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0888046046 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No  No Affiliated Business Disclosure found in file. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years at current employer.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's have 0x30 mortgage histories since 2009.
0888046046 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller-Paid fees indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years at current employer.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower's have 0x30 mortgage histories since 2009.
0537102789 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2018 Balance Sheet and Profit & Loss Statement for XXX business for XXX. Per Appendix Q, both a Balance Sheet and a P&L statement is required.  8.7.19 - Client responded. Loan approved without requiring P&L and Balance Sheet. Re-status loan as Non-QM and re-grade accordingly. 8.7.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Final CD XXX-1 Other Costs Section missing following Seller Paid fees that appear on Seller CD: Handling Fee, taxes and RE Commission. Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789 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 No LE XXX-1 E-signed; no E-consent in file 8.9.19 - Client responded. Agree - contacting Correspondent Lender for e-Consent documentation9.17.19 - Client responded. See attached eConsent form 8.9.19 - Exception remains. 9.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per lender re-status as Non-QM. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0537102789 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Final inspection was obtained however construction was not completed at that time; Appraiser provided cost to cure for approx. $13,750.00;   8.7.19 - Client responded. See attached escrow holdback agreement for the minor uncompleted work that needed to be finished. 8.7.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative credit score is 772; Min score required for the product is 700;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI is  27.09%; Maximum DTI for the product is 43%;
0230199731 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No RE Commission Fees on Seller CD are not Disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for the past 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for the past 2 years.
0194649465                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 17.5 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have has 0x30 for more than 24 months.
0403429564                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $163,668.15 or 29.70 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 10 years
0211614348 CMPTRID4276 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Downpayment/Funds From Borrower but Did This Change? = Yes No Final CD XXX XXX Table Values for the Downpayment are the same but shows YES this did change. The LE Column Value is changed on PCCD XXX, however, the Value in the LE Column is incorrect. PCCD Correcting the LE Column Value and the Description to say NO this did Not Change required, LOE and proof of delivery. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for the past 5 years and 5 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 5 years and 9 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0211614348 CMPTRID4282 TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No PCCD XXX XXX Table LE Column the Downpayment shows as $130. Final LE XXX Downpayment shows as $XXX. PCCD, LOE and proof of Delivery required. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for the past 5 years and 5 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 5 years and 9 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.
0800590972                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.41% DTI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qual score.
0396365775                 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 12 years.Co-Borrower has been in the same profession for 11 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.43%; guideline maximum is 43%.
0180177789                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been wage employed for14 years.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expense reduced by $175 per month.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  772 qualifying score. Min required per guidelines is 700.
0073103433                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.34% is below the maximum of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 13 years
0689922795 CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product No Initial CD XXX Other Cost Section H, Home Warranty Fee Optional designation is missing from the optional insurance product.  Requires PCCD.  (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 19.4 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.48%; guideline is 43%.
0689922795 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Final CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. Real Estate Commission only listed on Seller CD.  Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 19.4 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 16.48%; guideline is 43%.
0826233931                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $223,123.81 or 38.11 months PITIA

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's renting current residence 10 years.
0061694363 CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR Signed XXX with Rescission Date of XXX, Final CD Disbursement Date is XXX. Mortgage Notary Date is XXX which then puts the Rescission Date at XXX and Disbursement Date on CD should be XXX. 8.9.19 - Client responded. Reopen rescission required to remedy. 10.3.19 - Client Response - 10/1/2019 update:  CD was signed XXX, ROR signed XXX, and Security Instrument was signed and dated by borrower XXX.  Notary incorrectly input XXX as notary date.   Title Company filed scrivener affidavit with county to correct notary date to XXX.  Attached.10.3.19 - Client provided Scriveners Error Affidavit Correcting Notary Date. 8.9.19 - Exception remains.10.3.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post close reserves $315,468.65  or 44.06 months PITIA, guidelines required 12 months PITIA.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Allowance/housing income not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.00%. Max LTV for this program is 80.00%.
0061694363 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Signed XXX with Rescission Date of XXX, Final CD Disbursement Date is XXX. Mortgage Notary Date is XXX which then puts the Rescission Date at XXX and Disbursement Date on CD should be XXX. 8.9.19 - Client responded. Reopen rescission required to remedy. 10.3.19 - Client Response - 10/1/2019 update:  CD was signed XXX, ROR signed XXX, and Security Instrument was signed and dated by borrower XXX.  Notary incorrectly input XXX as notary date.   Title Company filed scrivener affidavit with county to correct notary date to XXX.  Attached.10.3.19 - Client provided Scriveners Error Affidavit Correcting Notary Date. 8.9.19 - Exception remains. 10.3.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post close reserves $315,468.65  or 44.06 months PITIA, guidelines required 12 months PITIA.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Allowance/housing income not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.00%. Max LTV for this program is 80.00%.
0965394786 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing  7.23.19 - Client responded. "See attached Privacy Disclosure, that on page two gives the definition of affiliates and than states  Primary  XXX. has  no affiliates  7.23.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 22 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 24 months reserves. 12 months required for this program.
0848744571 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0848744571 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX [Last CD], Sections Loan Costs Section C and Other Costs Section H: there are seller paid fees listed on the seller's CD that are not present on the borrower's CD. Exception satisfied.  (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0848744571 CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Please provide evidence the borrower signed an electronic consent prior to issuance of CD dated XXX 6.27.19 - Client responded. Contacting Lender Client for copy of eConsent. Pending remediation7.2.19 - Client responded. See attached eConsent form 6.27.19 - Exception remains. 7.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0848744571 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 No Please provide evidence the borrower signed an electronic consent prior to issuance of LE dated XXX 6.27.19 - Client responded. Contacting Lender Client for copy of eConsent. Pending remediation7.2.19 - Client responded. See attached eConsent form 6.27.19 - Exception remains. 7.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 36.82%; max allowed DTI per guidelines is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 802; minimum required credit score per guidelines is 680.
0648135165 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Last LE dated XXX reflects lender credit of $2494. All CD's reflect no lender credit and no COC in file for reason lender credit removed.  8.9.19 - Client responded. Agree:  Lender credit $1531 on 3/19 Loan Estimate was removed and no CoC in file (Note: Lender credit is $1531 not $2494). Contacting Correspondent Lender for remediation9.24.19 - Client responded. See attached COC 8.9.19 - Exception remains. 9.24.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 759 is 59 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 32.97%, guideline max is 43%
0464301204                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 17.6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.95%; guideline maximum is 43%.
0182854453 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No RE Commission Fees are disclosed on Seller CD but not disclosed on Borrower Final CD. Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 40 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 700.
0067071770                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $117,490.06. Reserves required $5331.80 x 18 = $69,313.40.
0197614680                 CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the same residence for the past 2 years and 9 months.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 qualifying score. Min required per guidelines is 700.
0752300735 CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX & Final LE XXX:  NMLS Lender missing State license entry. Corrected on CD XXX. Exception satisfied.  (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43%.  Transaction DTI is 24.95%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 qualifying score. Min required per guidelines is 700.
0140292003 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD dated XXXlist inaccurate math on section F. Prepaid total is $18, 127.99 and not the $17,057.33 listed. Incorrect calculation continued in section I and J. Original issue is the difference found in section F for $1070.66. 7.26.19 - Client responded. "Disagree.  Section F total = $17,057.33.  The breakdown is as follows Homeowner's Insurance Premium $1342.00 + First and Second Half Taxes $16,250.66 - Prepaid Interest $535.33.  The prepaid interest is a credit and not a charge.  TPR inadvertently added the prepaid interest in calculating the Section F total instead of subtracting.  Section I and J totals are consequently accurate as well. 7.26.19 - Exception satisfied.  Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI is 26.10; guidelines require 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the job for over 8 years with XXX.
0484482818                 CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers resided at subject property for 13.6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX profession for 20 years. Co-borrower employed in XXX industry for 26 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with current employer for 26 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history on subject property of 0x30 for 157 months when 12 months required.
0098578479                 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 5 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75% is 5% higher than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 793 is 93 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.26% is 5.74% less than 43%.
0159247599 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX & Final CD XXX. Section: Other Costs; Section (E) missing Itemization of Recording Fees. Corrected on Post CD XXX. Exception satisfied.  (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 720; Credit score exceeds guidelines of 680.
0298538035                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  759 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.00%, max per guidelines is 43%.
0471586929 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No The Seller CD section H contains fees that were not included on the final CD.  Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same industry for14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 807; Credit score exceeds guidelines of 680.
0246986674 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller CD reflects following fees not listed on Final CD: Cushion, Document Handling, Messenger Fee.Seller CD reflects different amount for Sub-Escrow fee than stated on Final CD. Exception satisfied.  (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 13 years on the job with his current employer.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co - Borrower has been with the same employer for 17 years.
0246986674 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No LE XXX Loan Costs Section B increased appraisal fee from $410 to $510, No COC was provided disclosing increase in fee, need refund check to borrower in the amount of $100.00, LOX, and proof of delivery to borrower 8.19.19 - Client responded.  The LE issued XXX disclosed an increase in the Appraisal fee in the amount of $510, with a valid Change Circumstance reason of a more complex appraisal 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. 8.19.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 13 years on the job with his current employer.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The Co - Borrower has been with the same employer for 17 years.
0007203024                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current place of employment for 14 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10 years
0802874812                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employment for 12 years.

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

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 804 is 104 points higher than 700.
0738319626                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 14.1 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 803 is 103 points higher than 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.38% is 13.62% less than 43%.
0596300967 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No The loan file is missing EXECUTED evidence that the XXX HELOC  is paid and closed to future draws.   7.30.19 - Client responded. See attached affidavit of payment and release and title policy. 7.30.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.59%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 56.42%. Max LTV for this program is 80.00%.
0066074404 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final CD XXX-2, Section: Loan Calculations, Amount Financed is stated as $518,233.43, however after review completed Amount Financed Calculated as $517,112.52. Under Disclosed amount of -$1,120.91. Missing list of fees included in APR and breakdown of credits when applicable. PCCD dated XXX corrects error.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 803; Minimum credit score for program is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.90%; Maximum LTV for program is 80.00%
0066074404 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Final CD XXX-2, Section: Loan Calculations, Amount Financed is stated as $518,233.43, however after review completed Amount Financed Calculated as $517,112.52. Under Disclosed amount of -$1,120.91. Missing list of fees included in APR and breakdown of credits when applicable. PCCD dated XXX corrected error.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 803; Minimum credit score for program is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.90%; Maximum LTV for program is 80.00%
0066074404 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Final CD XXX-2, Post CD XXX, & Post CD XXX Contact Information Section a Real Estate Broker for Seller was disclosed as XXX. However in the Other Costs Section H missing disclosed Real Estate Commission fee for Seller being paid. Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 803; Minimum credit score for program is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 46.90%; Maximum LTV for program is 80.00%
0083957083 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller-Paid fees indicated on Seller CD not disclosed on page 2 of the Borrower Final CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 794.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional income from XXX and XXX businesses totaling $30,630.57 was not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43.00%.  Transaction DTI is 31.53%.
0083957083 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No CD: XXX, Section: Contact Information.  The Sellers fee; Doc Prep, Escrow Fee, Guaranty, Tax Cert, Real Estate Commission (XXX) Service Contract & Owners Title Insurance Fees  in section H is missing.  Sellers Fee are in section H on Sellers CD. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 700.  Representative credit score is 794.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional income from XXX and XXX businesses totaling $30,630.57 was not used to qualify.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI is 43.00%.  Transaction DTI is 31.53%.
0480258643                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.82%, max per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 40%; max allowed per guidelines is 80%.
0432802722 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. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4947.16CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 4947.16 (No Data) (No Data) Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Lender did not use income from other owned business 2017 Sch E $246,148 and 2016 $180,064/24=$17,758.83

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $171,265.88 (46 mos).  Reserves required $3,688.69 x12 = $44,264.28.
0451121628                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employment for 12.4 years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 55.56% is 24.44% less than 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 8.51% is 34.49% less than 43%.
0094132506 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2018 Balance Sheet for XXX business showing in Schedule C on the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. Only the P&L statement is in file.  7.31.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 7.31.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0094132506 CMPTRID4223 TRID - CD: The total Services Borrower Did Not Shop For amount disclosed in the CD Loan Costs section does not equal its component parts No CD: XXX Section: Loan Costs Section B: Disclosed amount per CD is $5,082.65 however review calculates $5002.65. Please provide an updated PC-Cd reflecting the correct total for services borrower did not shop for.  (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0094132506 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Satisfied: Seller CD and Borrower Final CD provided but only Seller CD reflects Real Estate Commissions. Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0094132506 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 26.70% lower than lender maximum DTI 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves Required  $4,939.39 X 12 = $59,272.68 Post closing reserves $131,938
0440515802 PRVAVALU153 Value Not Supported No A Desk Review was received with a reported value of $XXX which is a variance of 13.73% less than the original appraised value of $XXX. A field review has been ordered.  8.12.19- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  8.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 808; guidelines allow a minimum Credit Score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,047,500.91 in total assets documented. Effective amount is $1,047,500.91, with the liquid assets the same. Post close reserves are $776,283.14. Reserves required $5,638.57 x 12 = $67,662.84.
0166991701 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide proof initial CD dated XXX was received by borrower 3 days before consummation date of XXX.  7.26.19 - Client responded. Disclosure tracking provided reflecting CD received on XXX.  7.26.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same professional for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit history-no lates(799 FICO)
0275916197 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX and Final CD XXX Other Costs Section H Home Warranty Fee and Natural Hazard Disclosure Report Fee   shows 'TBD' as Payee.  Corrected on the PCCD dated XXX. Exception satisfied.  (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70% is 10% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 756 is 56 points higher than 700.
0275916197 CRDDTI2540 Missing verification of some or all components of non-subject PITI No The loan file is missing proof of the Monthly HOA and Master insurance totaling $658.25  as indicated per the Lender's debt worksheet in file for the departing resident ion XXX totaling PITIA of $5285.63 ( P&I $2220.63, property taxes $2339.68 , homeowners  insurance $67.17, HOA dues and Master Insurance $658.25). 8.8.19 - Client responded. Please see attached bank statement showing HOA withdrawal of #325 monthly (multiple statements are in file) as well as the insurance for the departure residence. 8.8.19 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 6 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 70% is 10% less than 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score 756 is 56 points higher than 700.
0381780907 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller CD has fees not present on borrowers final CD. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, currently 0 x 30 on all opened trade lines.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the same residence for the past 24 years.
0931852002 CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Clayton and lender calculated 43.08% DTI exceeds the 43% maximum per guides; Subject PITI $9570.20 + other debts $1630.62 (includes a 1.15% of balance pmt for student loan and 5% of current balance for XXX acct, as required per guides)/total calculated income of $26002.58= 43.08% DTI. 8.13.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 8.13.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 8 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Clayton and lender calculated 43.08% DTI exceeds the 43% maximum per guides; Subject PITI $9570.20 + other debts $1630.62 (includes a 1.15% of balance pmt for student loan and 5% of current balance for XXX acct, as required per guides)/total calculated income of $26002.58= 43.08% DTI. 8.13.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 8.13.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 8 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender on title is XXX and new loan originated by XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 8 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client; Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 8 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Lender approved exception in file to waive liquidation requirements for the stock funds on this transaction. Compensating factors include;  774 qualifying score. Min required per guidelines is700, 69.82% LTV max allowed per guidelines is 80 borrower has been in current profession for 8 years, Clayton considers non-material.    (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 8 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0931852002 CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved exception in file for 43.08% DTI exceeds the 43% maximum per guides; Subject PITI $9570.20 + other debts $1630.62 (includes a 1.15% of balance pmt for student loan and 5% of current balance for XXX acct, as required per guides)/total calculated income of $26002.58= 43.08% DTI.  Compensating factors include;  774 qualifying score. Min required per guidelines is 700, 69.82% LTV max allowed per guidelines is 80 borrower has been in current profession for 8 years, Clayton considers non-material.   (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer for 8 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in XXX for 8 years and 3 months. Co-borrower employed in XXX for 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 700
0622759677 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $3,069,880.58.  12mo reserves or $170,236.08 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802; Minimum credit score for program is 700.
0622759677 CRDTER3262 Property issues indicated No Appraisal Updated completed XXX for recertification of value was not signed by appraiser. Considered non-material.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $3,069,880.58.  12mo reserves or $170,236.08 required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802; Minimum credit score for program is 700.
0503667682 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 767; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 767; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided 10.28.19 - Client Responded. Disagree:  See attached Service Provide List (SPL). 10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 767; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance of $2141.64. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $2141.64 for fee for ten percent tolerance fees relating to Inspection Fee, Title settlement closing Fee, Doc Prep, Lenders Title Endorsement, Endorsement fees, Closing Protection Letter, Courier fees, and Recording fees. This error was due to the Written List of Providers not being included in the file.  10.28.19 - Client Responded. Disagree:  See attached Service Provide List (SPL). 10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 767; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current XXX job for 15 years.
0503667682 CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Total required reserves $6,481.32 x 36 = $233,327.52.  Total liquid reserves verified after close of $54,101.66.  Short verified liquid reserves of $62,562.10.  Total borrowed funds stated of XXX. XXX of these funds were verified deposited to XXX. 10.24.19 - Client responded. Funds from the XXX had sufficient funds in combination with the XXX account to meet the cash to close requirements. Documents attached.10.24.19 - Clayton has reviewed loan advance to XXX did not provide for new payment associated with advance.10.29.19 - Client responded. Property associated with advance documentation supplied and attached. 10.24.19 - Exception remains10.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 767; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current XXX job for 15 years.
0025840879 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No All CD's Loan Costs Section B Escrow Fee and Notary Fee is missing Payee.  Requires LOX and PCCD. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 765 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 13 years
0163875355 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing fully executed evidence that the XXX HELOC has been closed to future draws, as is required by title evidence and payoff statement.  10.15.2019 - Client responded.  Provided an updated credit report showing the HELOC with XXX has been Closed on XXX. 10.15.2019 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the same profession for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.83%; guideline maximum is 43%.
0163875355 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No 0% Tolerance Violation of $5 due to Appraisal increase from $650 to $655 with no COC to validate the Increase. Provide PCCD, LOE, Proof of Delivery and Refund Check of $5. 10.11.19 - Client responded. Agree:  Appraisal Fee increased $650 to $655.  No Change of Circumstance in file.  Over tolerance refund of $5, PC CD, LOX, Proof of Delivery10.22.19 - Client Responded. See attached PC CD, LOX, Refund, evidence of delivery 10.11.19 - Exception remains. 10.22.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the same profession for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.83%; guideline maximum is 43%.
0163875355 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing fully executed evidence that the XXX HELOC has been closed to future draws, as is required by title evidence and payoff statement. Clayton considers non-material based on compensating factors of 27.83% DTI, 720 qual score, $10K/mo. residual income and 66.67% LTV.  10.15.2019 - Client responded.  Provided an updated credit report showing the HELOC with XXX has been Closed on XXX. 10.15.2019 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the same profession for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.83%; guideline maximum is 43%.
0084072021 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job; B2 on current job 12 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $309,614.35.  Per program guidelines, 12mo PITI/PL  required or $52,643.16.
0522418689 CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Approved lender exception for liquid reserves.  Required reserves $65,799.48, verified liquid reserves $17,293.21.  Short liquid reserves of $15,606.53. Clayton considers non-material based on compensating factors of total reserves 22 months PITI, low DTI of 29.65% and credit score of 751. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 751 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 29.63%; guidelines allow a maximum DTI 43.00%.
0522418689 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing fully executed evidence the HELOC with XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.  Clayton considers non-material based on compensating factors of total reserves 22 months PITI, low DTI of 29.65% and credit score of 751. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 751 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 29.63%; guidelines allow a maximum DTI 43.00%.
0290396992 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof HELOC with XXX ending in XXX as been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed. 11.13.19 - Client responded. See attached letter re: payoff and close of HELOC 11.13.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.63%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $95,050.70.   Reserves required $4,351.71 x 12 = $52,220.52
0290396992 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof HELOC with XXX ending in XXX has been closed to future draws as required; all payoff statements and authorizations to close in file have not been executed.  Clayton considers non-material based on compensating factors of low DTI 22.62%, reserves of 21 months PITI and residual income of $23,890.90 monthly. 11.13.19 - Client responded. See attached letter re: payoff and close of HELOC 11.13.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.63%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $95,050.70.   Reserves required $4,351.71 x 12 = $52,220.52
0313726905                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.23% DTI below guideline max of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower had owned previous residence for 7 years
0344461168 CRDINC126 Length of employment/self-employment does not meet guidelines No Approved Lender exception for B2 employment start date after note date. Clayton considers non-material based on compensating factors of 31.67 months PITI reserves vs 12 months required, DTI of 21%, and strong residual income of $18,301.90 monthly. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $94,460.  Reserves required $2,983.01 x 12 = $35,796.12

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21%, max allowed per G/L is 43%
0119488030                 CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has own previous residence for 14 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with XXX for 21 years
0660983732                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 39.18%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 799; guidelines allow a minimum Credit Score 740.
0719668371 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $281,118.57.  Reserves required $5357.12 x 18 = $96,428.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.57%, max allowed per G/L is 40%
0641359241 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Initial 1003 dated XXX Written List of Providers dated XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers median credit score is 772; exceeding guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 37.16; less than guideline minimum.
0876846986                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  23 months cash reserves exceeds the 18 months required by guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 credit score exceeds the 720 score required by guidelines
0539656690                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 49.25% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 811 and minimum required is 700.
0532953627 CRDLGL2644 Missing proof there were no draws on HELOC in the last 12 months > $2,000 No Missing 3 months of payment history to determine a full 12 months of no draws on the HELOC being paid off through this transaction;  HELOC opened in 2017 however only the current lender history was obtained showing most recent 9 months with not draws.  Clayton considers non-material based on compensating factors of 3466% DTI, 795 qual score, 43 months of reserves and $8k/mo. residual income.   (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is over 12 months at the current  job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score required is 700;  Borrower credit score is 795;
0268459998 CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -$7541.CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX.  Requires LOX and PCCD. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.33; less than guideline minimum.
0268459998 CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: $6651.CD:XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: $3683.00.  Requires LOX and PCCD. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.33; less than guideline minimum.
0268459998 CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -$535110.CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: XXX.  Requires LOX and PCCD. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.33; less than guideline minimum.
0268459998 CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing evidence of e-sign consent.  Provide copy of missing document. 10.28.19 - Client Responded. See attached eConsent 10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 6 years; reflecting stability.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.33; less than guideline minimum.
0401987927                 CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 76.57%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 21.61%; guidelines allow maximum DTI 43.00%.
0804083355 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $552,046.12.  Reserves required $7383.43 x 12 = $88,601.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.29%,max allowed per G/L is 43%
0804083355 CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD: XXX CD XXX, & Final CD XXX Section: Contact Information; Real Estate Broker(B) missing address entry.  Requires LOX and PCCD. 11.11.19 - Client Responded. Disagree: see attached PC CD and LOX 11.11.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $552,046.12.  Reserves required $7383.43 x 12 = $88,601.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.29%,max allowed per G/L is 43%
0864858405 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers Credit Score 802; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 25.15%; guidelines allow a maximum DTI 43.00%.
0864858405 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence XXX was received  6 days prior to consummation .  10.22.19 - Client Responded. Disagree:  see attached eConsent dated XXX and disclosure tracking XXX.   Closing Disclosure opened and acknowledged on XXX. 10.22.19 - Exception Satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers Credit Score 802; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 25.15%; guidelines allow a maximum DTI 43.00%.
0100949224                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 785; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $255,914.92.  Per program guidelines, 12mo PITI/PL  required or $74,032.20.
0850150329                 CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 786 and minimum required is 720.
0316023138 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD dated XXX Loan Calculations, Amount Financed reflected $896,439.75.  Review Calculation was $896,399.75.  PCCD in file does not correct.  Requires PCCD, Cure via refund, LOX and proof of delivery. Rescission if applicable. 10.28.19 - Client Responded. Disagree - CD Amount Financed disclosed = $896,439.75.  XXX testing calculated Amount Financed calculated = $896,439.80.  The difference is  $0.05 and within  tolerance.  The location of the $0.05 difference is from the disclosed prepaid interest of $968.80 and the calculated prepaid interest $968.75.10.28.19 - After Further review. Verified Notary Fee was incorrectly named. 10.28.19 - Exception Satisfied. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 780; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 53.57%; guidelines allow a maximum LTV 70.00%.
0296538185 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided 10.28.19 - Client Responded. See attached Service Provider List 10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 34 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 789 exceeds guidelines
0296538185 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $25 for zero percent tolerance fees related to Title Endorsement Fees.  Requires LOX, PCCD, Refund and proof of shipping. 10.22.19 - Client Responded. Disagree: the $25 cited by investor incorrectly placed title endorsement fee in the zero percent category.  Title endorsement fee previously listed on the Loan Estimate in the 10% category remained in the ten percent category on Borrower Closing Disclosure and Final Closing Disclosure.  In addition, Title Endorsement fee was increased by $25.  Combined with the decrease of title courier/express mail fee $50 to $0. Ten percent threshold passes 10% tolerance test. This is not a testing defect so corrective action is not required.10.22.19 - After further review the Service Provider List is Not provided in file. Service Provider List required for Fee Allocation. With no SPL the Fees are Automatic 0%.10.24.19 - Client Responded. Requesting remediation to obtain the Service Provider List.10.28.19 - Client Responded. See attached Service Provider List 10.22.19 - Exception Remains.10.24.19 - Exception Remains.10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 34 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 789 exceeds guidelines
0403270653 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. Exception satisfied.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned primary current residence 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $4,603,211.98 or 1060.30 months PITIA
0403270653 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller-paid real estate Fees that should have been disclosed in Section H is not disclosed on final CD XXX.Exception satisfied by PCCD XXX (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned primary current residence 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $4,603,211.98 or 1060.30 months PITIA
0403270653 CRDDTI105 Debt Ratio Exception 5% or Less No Approved lender exception for DTI > 40% on second home.  Clayton considers non-material based on compensating factors of low LTV 56.57% and residual income of $22,076.73 monthly. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned primary current residence 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $4,603,211.98 or 1060.30 months PITIA
0841468619 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file 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) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score exceeds guidelines required score of 720 by 82 points

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in primary residence for 28 years
0410491377 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $273,051.06.  Reserves required $4259.23 x 12 = $51,110.76
0410491377 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No 10% Tolerance of $10.00 on final CD XXX due too increase in Inspection fee with no COC in file. Letter of explanation, corrected Closing Disclosure, refund, proof of delivery required within 60 days of consummation. 10.28.19 - Client Responded. Disagree:  See attached  PC CD, LOX, and Refund.10.28.19 - After Further review verified 0% Tolerance due to Appraisal Inspection Fee of $10. 10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $273,051.06.  Reserves required $4259.23 x 12 = $51,110.76
0207936843                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $83,028.31 or 19.85 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower employed in same profession 7 years
0560535952 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (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 24.6% and maximum allowed is 43%.
0482575337 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No DTI exceeds 43%.  Total income $48,674.54  total debts $22,602.21 for DTI 46.44%; DTI 46.44%.  total income $48,674.54 (Base $11.667, Annual and Sales Bonus $8,8895.75, Commission $20,287.96 and RSU $7,724.17) Subject PITI $13,464.46 + Consumer Debt $1,406.75 + REO $7,731 = $22,602.21 for DTI of 46.44%.  10.22.19- Client responded. Re-status loan as Non-QM and re-grade accordingly. 10.22.19- Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 770; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 19 years.
0482575337 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten tolerance of $11.20. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $11.20 for increase in recording fees which fall within the ten percent tolerance.  Requires LOX, PCCD, Refund and proof of shipping. Agree: Recording fees increased from $168.00 to $196.00 which requires a refund in the amount of $11.20 to cure the ten percent over tolerance. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $11.20 for increase in recording fees which fall within the ten percent tolerance. Requesting remediation.11.25.19 - Client Responded.  10.22.19 - Exception Remains.11.25.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 770; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 19 years.
0482575337 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Client responded. Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 770; Minimum for program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 19 years.
0768971662 CMPDOC225 Missing Rider No Appraisal in File shows Property Type as Detached PUD. Mortgage page 2 does not have PUD Rider checked and No PUD Rider provided in File.  Provide copy of missing document. 10.21.19- Client responded. Unable to provide. Title is file reflect the subject as a single family dwelling not a PUD. 10.21.19- Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score 774; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves of 60 months PITI exceeds minimum of 12 months,
0768971662 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. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXXCD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score 774; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves of 60 months PITI exceeds minimum of 12 months,
0768971662 CRDTER3262 Property issues indicated No Approved lender exception for unacceptable property (subject is A Frame).  Clayton deems non-material based on compensating factors of low DTI 22.37%, credit score 774, low LTV/CLTV/HCLTV 45.25/45.25/51.29%  and cash reserves of 60 months PITI (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score 774; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves of 60 months PITI exceeds minimum of 12 months,
0341377262 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD XXX Disbursement date is before end of statutory rescission period.  10.11.19 - Client responded. Agree:  CD indicates disbursement date XXXand Per diem start date XXX.   Per ROR, disbursement date should be XXX.  Final Settlement Statement indicates funds disbursed on XXX.  Post Consummation CD with correct disbursement date and per diem date required to remedy issue.10.17.19 - Client Responded. See attached PC CD with corrected disbursement date  10.11.19 - Exception remains.10.17.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $362,390.61 or 57.57 months PITIA, guidelines require 12 months PITIA.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned current residence 10 years
0318454281                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $341,728.84.  Reserves required $6565.79 x 12 = $78,789.48

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 11.79%, max allowed per G/L is 43%
0831939988                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 13 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  29.98% LTV below guideline max of 75%
0658303941 CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No Missing document. Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file.  Provide copy of missing document.  10.22.19 - Client Responded. Disagree. Copy of Certificate of Exemption attached. 10.22.19 - 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 5.6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the same employer for 6.2 years.
0627253037 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  766 qualifying score. Min required per guidelines is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves  $472903.53 or 56.84 months, guidelines require 12 months PITIA .
0549888506 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 ROR form used on lender to lender refinance. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is  804; Min Credit score required is 680;

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Max DTI is  43%; Borrower DTI  is 19.65%
0173045918                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 788 and minimum required is 700.
0353041815                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  811 credit score exceed guidelines required score of 720 by 91 points

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 10 years
0757546012 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 792 and minimum required is 700.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 9 years at current job.
0617931850                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 714; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.64%; guidelines allow a maximum DTI 43.00%.
0264969075                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.73%; guideline maximum is 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 12.5 years.
0368390685 CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form.  Provide copy of missing document. 10.22.19 - Client Responded. Disagree:  per 1026.23, transaction to construct or acquire a principal dwelling is exempt.   Loan is permanent financing phase of new construction and meets Residential Mortgage Transaction definition. 10.22.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.27%. Max LTV for this program is 80.00%.
0368390685 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance fee $220.40 for increase Title Fees.  Requires LOX, PCCD, refund and proof of shipping. 10.22.19 - Client Responded. Agree: The Title fees were disclosed on the initial LE in Section C as items the borrower can shop for.  A Service Provider List was provided disclosing at least one service provider and stating that the borrower can shop for another provider. The Title fees that the borrower shopped for should be a 10% category fee.  The refund amount due to the borrower should be $220.40. Requesting remediation.12.24.19 - Client responded. See attached PC CD, Label, Refund Check, and LOX 10.22.19 - Exception Remains.12.24.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.27%. Max LTV for this program is 80.00%.
0368390685 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing copy of 1004D. 10.18.19- Client responded. Appraisal completion (1004d) attached  10.18.19- Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 48.27%. Max LTV for this program is 80.00%.
0834531294                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.19%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 XXX income not used to qualify.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 20 years.
0663428205 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Approved Lender Exception for back-end debt ratio of 43.24% exceeds maximum allowed of 43.00%. Non-QM per guidelines. 11.15.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 11.15.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205 CMPTRID5091 TRID - Escrow Waiver Fee disclosed in Loan Disclosures, is not contained in Loan Costs, but ALTA or other document shows it was charged. No Escrow Waiver Fee disclosed in Loan Disclosures, is not contained in Loan Costs, but ALTA or other document shows it was charged.  11.18.19 - Client Responded. Agree. Correspondent Seller disclosed $3895 in Escrow Table page 4; there is no corresponding fee on Page 2 of Closing Disclosure. Remediation requested.11.26.19 - Client Responded. inv: Disagree:  Per Lender the escrow waiver fee impacts the interest rate and does not appear in Block A, B, or C.   See attached. 11.18.19 - Exception Remains.11.26.19 - Exception Satisfied. Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205 CMPTRID5097 TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures No CD: XXX [Last CD], Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value: $3895.00Section: Loan Costs, Message: Sum of Sub Sections A, B and C, Field: Escrow Waiver Fee Amount, Total Value: $0.00.  The Excrow waiver fee was not included in the Loan Costs section of the final CD dated XXX.  Requires LOX, PCCD . 11.18.19 - Client Responded. Agree. Correspondent Seller disclosed $3895 in Escrow Table page 4; there is no corresponding fee on Page 2 of Closing Disclosure. Remediation requested.11.26.19 - Client Responded. inv: Disagree:  Per Lender the escrow waiver fee impacts the interest rate and does not appear in Block A, B, or C.   See attached. 11.18.19 - Exception Remains.11.26.19 - Exception Satisfied. Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0663428205 CRDDTI105 Debt Ratio Exception 5% or Less No Approved Lender Exception for back-end debt ratio of 43.23% exceeds maximum allowed of 43.00% for loan is a non-conforming r/t refi lowering payment, Fix 30, 68.48% LTV. DTI is 43/44; Low ratio spread due to low debt. Residual income $13,110.  (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 68.48%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 798; guidelines allow a minimum Credit Score 700.
0091618772 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing affiliate business disclosure.  Provide copy of missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower owned previous residence for 8 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 credit scores exceed guideline min score of 720
0091618772 CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product No Title owners policy not listed as optional in section H, CD dated XXX.  Requires LOX and PCCD. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower owned previous residence for 8 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 credit scores exceed guideline min score of 720
0091618772 CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower owned previous residence for 8 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 credit scores exceed guideline min score of 720
0470510698 CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX: NMLS section : Lender NMLS License ID missing Stated entry. Corrected on CD XXX. Exception satisfied.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $237,503.20 or 26.05 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.98% below guideline requirement of 43% by 23.02%
0470510698 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of XXX which is a variance of -11.11% less than the original appraised value of XXX. A field review has been ordered.  12.04.19- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.  12.04.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $237,503.20 or 26.05 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.98% below guideline requirement of 43% by 23.02%
0505661185                 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 784 and minimum required is 700.
0790925236                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $229,222.81 or 70.38 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.62% below guideline requirement of 43% by 9.38%
0831742939 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Final CD dated XXX with a transaction date of XXX. Saturday is not a business day for XXX and neither is Sunday. The 3 day waiting period was not met prior to close. 10.22.19 - Client Responded. Agree: Initial CD issued XXX does not meet 6 day mail timing requirements. Evidence of 3 day receipt is required. Requesting remediation.10.28.19 - Client Responded. Disagree:  Borrower incorrectly dated three day CD XXX.   Borrower provided an attestation indicating the correct sign date as XXX.   No three day timing violation.  See attached Addendum to Closing Disclosure and Attestation. 10.22.19 - Exception Remains.10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 credit score exceed the guidelines required 720 score

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.05% DTI below the required 45% DTI
0831742939 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of XXX which is a variance of -21.12% less than the original appraised value of XXX. A field review has been ordered.   10.30.19- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.  10.30.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 credit score exceed the guidelines required 720 score

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.05% DTI below the required 45% DTI
0581075467 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.Regulation Z has language allowing the use of a substantially similar notice.Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.The Majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B-Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,393,473.74; required reserves are 8341.14 x 12 = $100,093.68.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 786 and minimum required is 700.
0249769406 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file 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) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 787

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has been in his position for 10+ years
0137336864                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.30%. Max DTI for this program is 43.00%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 30 years.
0017125999                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.75%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68.79%. Max LTV for this program is 80.00%.
0717406474 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 807 and required minimum is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08% and maximum allowed is 43%.
0636552460 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX & Final CDXXX Section: Other Costs: section (F) . Property Taxes missing number of months.  (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 798 and minimum required is 700.
0442954178                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $366,120.82.  Reserves required $6734.92 x 12 = $80,819.04

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.09%, max allowed per G/L is 43%
0999103751 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min credit score required is  700; borrower score is 780;

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has income from XXX that was not used
0999103751 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min credit score required is  700; borrower score is 780;

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has income from XXX that was not used
0999103751 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No CD: XXX [Last CD], Section: Loan Disclosures Escrow Account - will not have an escrow account because boxes are not checked. Corrected on PC-CD dated XXX. Exception satisfied.  (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min credit score required is  700; borrower score is 780;

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has income from XXX that was not used
0999103751 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX [Last CD], Section: Projected Payments Estimated Taxes, Insurance & Assessment section is missing is escrow boxes. Corrected on PC-CD dated XXX. Exception satisfied.  (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min credit score required is  700; borrower score is 780;

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has income from XXX that was not used
0090892025 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 806 and minimum required is 700.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0090892025 CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX  12.2.19 - Client responded. Disagree. The rescission period begins on the later of the date the rescission notice is provided, the material disclosures (CD) are provided, or the consummation date. The consummation date is the Note date of XXX and the Right to Cancel and CD were signed on XXX. The rescission period began on XXX making the expiration date of XXX acceptable. 12.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 806 and minimum required is 700.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0090892025 CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX. 12.2.19 - Client responded. Disagree. The rescission period begins on the later of the date the rescission notice is provided, the material disclosures (CD) are provided, or the consummation date. The consummation date is the Note date of XXX and the Right to Cancel and CD were signed on XXX. The rescission period began on XXX making the expiration date of XXX  and disbursement date of XXX acceptable. 12.2.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 806 and minimum required is 700.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with no late pays and no derogatory ratings.
0480694729 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 807; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 27.88%; guidelines allow a maximum DTI 43.00%.
0054379439 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No You declined it and/or Your lender does not offer one is not selected on the CD XXX.  Requires LOX and PCCD. 10.21.19 - Client Responded. Agree. Requesting remediation.12.6.19 - Client Responded. 12/4/2019: see attached PC CD and LOX with page 4 completed 10.21.19 - Exception Remains.12.6.19 - Exception Satisfied. Non-Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 is over 18 years with same employer

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is  30.23%; Max DTI is  43%
0650760614 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Transaction Information section, Seller is missing address.  Requires LOX and PCCD. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 785; guidelines allow a minimum Credit Score 740.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 16.95%; guidelines allow a maximum DTI 43.00%.
0558552479 CMPROR4419 H-8 used in refinance with the same creditor; State is in a Circuit where Court has found this acceptable (exception/grading required by client) No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.29% below guideline requirement of 43% by 20.71%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $72,872.54 or 12.51 months PITI
0558552479 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX, Loan Costs Section B, line 4 is missing payee for tax service. Provide LOX and PCCD. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.29% below guideline requirement of 43% by 20.71%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $72,872.54 or 12.51 months PITI
0615216745                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 credit score exceeds the guidelines required 720 score by 67 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  73 months verified reserves exceeds the 12 months required by guidelines
0969540472 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min Fico 680 / Fico 793

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 47.62% / MAX LTV 80%
0435920438 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.42%. Max LTV is 80.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 Schedule C income not used to qualify.
0232235806 CMPTRID4319 TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage No CD: XXX [Last CD], Section: Loan Calculation, Field: TIP, CD Value: 61.66000%, Review Value: 61.6656%. Difference of .056% Exceeds .003 % tolerance.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 44.34%; guidelines allow a maximum LTV 70.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 804; guidelines allow a minimum Credit Score 720.
0817191353                 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 22 years.Co-Borrower has been in the same profession for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.44%; guideline maximum is 43%.
0559177597                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $341,765.95 or 53.75 months PITIA

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower employed at current job 10 years 6 months
0289510648 CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX-1 [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: -13340CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: -21773.00The file contains an initial LE, there is not a re-disclosed LE in file to support changes in loan amount. Fees values differ between LE and Cd's in file.  (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648 CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 69CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 14263.00The file contains an initial LE, there is not a re-disclosed LE in file to support changes in loan amount. Fees values differ between LE and Cd's in file.  (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648 CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Total Payoffs and Payments, Value: -1200729CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: -1206490.00The file contains an initial LE, there is not a re-disclosed LE in file to support changes in loan amount. Fees values differ between LE and Cd's in file.  (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No CD's in file, Zero tolerance fee increased at closing without a valid reason. Section A, added Loan amount points at 0.5% with the fees totaling $6117.50.  The file does not include a COC. Need LOX, corrected CD, refund and proof of delivery. 12.17.19 - Client responded. Disagree:  see attached changed circumstance documentation.  CD issued on XXX consistent with CoC.  No refund required. 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0289510648 CRDTER3262 Property issues indicated No Subject was purchased XXX for XXX. Lender value used for LTV XXX based on origination purchase price plus improvements made post purchase.  Per guidelines, properties with home improvements completed, use original documented purchase price plus documented home improvements.  Missing documented home improvements. 12.12.19 - Client responded. See attached invoices for the pool.  UW added these invoices totaling $285,704 to the to the original purchase price of XXX for a value of XXX 12.12.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.22%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 24 months cash reserves. 6 months required for this program.
0450726039                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 51.71%; guidelines allow a maximum LTV 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 732; guidelines allow a minimum Credit Score 700.
0258714939 CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 1.21.20 - Client responded. Disagree: 1026.23(b)(2) Proper form of notice. To satisfy the disclosure requirements of paragraph (b)(1) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Model Form H-9 are substantially similar. 1.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The borrower has good credit with a qualifying fico score of 788.

CFCFS2854: Significant time in profession
- Clayton Comments:  The Borrower has 23 years in profession.
0258714939 PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No FEMA disaster for XXX with an effective date of XXX and declaration date of XXX. Missing PDI.  (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The borrower has good credit with a qualifying fico score of 788.

CFCFS2854: Significant time in profession
- Clayton Comments:  The Borrower has 23 years in profession.
0250548693                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $184,117.31 or 30.64 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.24% below guideline requirement of 43 % by 11.76%
0171061835 CMPDOC191 Missing Mortgage No Missing mortgage. Copy provided on page 185 is from the subject's previous transaction dated XXX. Note date is XXX. 10.29.19 - Client Responded. See attached mortgage and rider for the subject property for current transaction. 10.29.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 64.61%, max allowed per G/L is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $142,016.48 in total assets documented.  Effective amount is $142,016.48, with liquid assets of $142,016.48.  Post close reserves are $114,836.86.  Reserves required $6086.77 x 12 = $73,041.24
0729022797                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 39.58%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 6 years.
0337422317 CRDTER3122 Loan documents do not meet guideline requirements No Approved lender exception for private transfer fee.  Subject property is apart of a PUD that has private transfer tax for a non-profit housing organization.  Fee is 0.05% of sales price.  This would be $375 based on current appraised value.  Compensating factors include:  Stable employment, decrease in housing payment from old rent/mortgage to new mortgage, low ratios 30/34, 14+ months PCL.  Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.02%. Max DTI for this program is 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years.
0051094872                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $95,007.26.  Per program guidelines, 12mo PITI/PL  required or $52,521.60.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit Score is 792; Minimum for Program is 700.
0845100918 CMPTRID4240 TRID - CD: The CD Calculating Cash to Close LE column (Alternative Version) total does not equal its component parts No Exception satisfied. Final CD XXX calculating cash to close LE column does not match value from LE in file. PCCD XXX corrects issue. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and required minimum is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.23% and maximum allowed is 43%.
0845100918 CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Exception satisfied. Final CD XXX, total payoff and payments in calculating cash to close LE column does not match value from LE in file. PCCD XXX corrects issue. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 789 and required minimum is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.23% and maximum allowed is 43%.
0342155449 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $89,915.31.  Reserves required $3180.80 x 12 = $38,169.60

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.19%, max allowed per G/L is 43%
0342155449 CRDTER3262 Property issues indicated No Lender approved exception to use the appraised value with <12 months seasoning on title. Clayton considers non-material based on compensating factors of 29.19% DTI, 28.27 months reserves VS 12, and bonus income not used to qualify.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $89,915.31.  Reserves required $3180.80 x 12 = $38,169.60

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.19%, max allowed per G/L is 43%
0063192927 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No DTI of 44.88% exceeds the maximum allowed for QM XXX status of 43%.  Total income $26,847.33.  Subject PITI $10,998.76 + other debts $1,050.00 total $12,048.76 for DTI 44.88%.Approved Lender Exception for high front and back end ratio at 40.96/44.87 % and over max limit of 43%. Offsets Low LTV/CLTV 68.803%, using original sale price vs. Appraised value $30,00 increase  10.23.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly.10.23.19 - Clayton has reviewed and status now Non QM 10.23.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 credit score exceeds the guidelines required 720 by points

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.803% LTV below the guidelines required 80% LTV
0063192927 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Lender requested re-status to Non-QM.  (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 credit score exceeds the guidelines required 720 by points

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.803% LTV below the guidelines required 80% LTV
0390562360 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file 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.The final CD XXX, Section C, E and H, is missing Seller paid fees that were listed on the Seller's CD in file.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. 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) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No The loan is missing the complete initial Cd XXX. Final CD XXX and PCCD XXX are in file. 12.2.19 - Client responded. Sent to NLR for remediation.  Missing page 2-5 of CD issued XXX.12.6.19 - Client Responded. XXX See attached eConsent and Initial CD 12.2.19 - Exception remains. 12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360 CMPTRID4579 TRID - CD: Missing Initial CD No The initial CD XXX, page 1 is in file, pages 2-5 are missing from the loan file.  12.2.19 - Client responded. Sent to NLR for remediation.  Missing page 2-5 of CD issued XXX.12.6.19 - Client Responded. XXX See attached eConsent and Initial CD 12.2.19 - Exception remains. 12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 28 years 2 months
0390562360 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 No The LE XXX was e-signed, however; the file does not contain an e-consent disclosure. 12.2.19 - Client responded. Agree:  No evidence of e-Consent in file.  Sent to NLR for remediation.12.6.19 - Client Responded. XXX See attached eConsent and Initial CD 12.2.19 - Exception remains. 12.6.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $362,873.55 or 102.08 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 28 years 2 months
0240659592 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $206,867.28.  Reserves required $6159.42 x 18 = $110,869.56

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 8 years
0240659592 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $206,867.28.  Reserves required $6159.42 x 18 = $110,869.56

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 8 years
0240659592 CMPTRID4214 TRID - Loan Estimate: An LE is missing at least one required data point No NMLS information is missing from the LE XXX. Corrected on CD XXX. Exception satisfied.  (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $206,867.28.  Reserves required $6159.42 x 18 = $110,869.56

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 8 years
0514673504                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 773 and minimum required is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $346,248.78; required reserves are $7830.14 x 12 = $93,961.68.
0226574930                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.49%, max allowed per G/L is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.92%, max allowed per G/L is 80%
0209095290                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 40.27%; Maximum LTV per guidelines is 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative score is 785.  Minimum score required is 680.
0403566133 CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: XXX. Corrected on Initial and Final CD and disclosed as a positive value. Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 21 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $296,752.28.  Reserves required $5545.16 x 12 = $66,541.92
0403566133 CMPTRID3604 TRID - Error discovered on Closing Disclosure No Missing legible final CD with Disbursement date of  XXX. Final CD provided appears to have correct Disbursement Date of XXX but cannot verify and cannot be entered. Please provide Legible copy of Final CD. 10.28.19 - Client Responded. Disagree:  Disbursement date of XXX verified by number of days of per diem.   Per diem days are consistent with XXX disbursement date.   Disbursement date in Closing Information Section and per diem date in Block F are sufficiently legible for testing. NOTE: enlarging the copy makes the date easier to discern as well.10.28.19 - Client provided more Legible Copy of Final CD than the one in file. 10.28.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 21 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $296,752.28.  Reserves required $5545.16 x 12 = $66,541.92
0466520950 CMPTRID4319 TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage No CD: XXX [Last CD], Section: Loan Calculation,0Field: TIP, CD Value: XXX, eCLAS Value: XXX (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 80.00%; guidelines allow a maximum LTV 85.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 793; guidelines allow a minimum Credit Score 740.
0164581982 CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.43% below guideline requirement of 43% by 14.57%

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 in same profession 13 years
0245862531 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX and XXX - 1 Loan Costs Section B Notary Fee shows 'TBD' as Payee.  This condition was cured on the PCCD dated XXX- 2.  Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employed for 20.5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.10%; guideline maximum is 43%.
0245862531 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No CD dated XXX - 1 neither of You declined it and/or Your lender does not offer one are selected. Requires LOX, PCCD. 11.11.19 - Client Responded. Disagree:  PC CD in file dated XXX with escrow selection completed. 11.11.19 - Exception Satisfied. Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employed for 20.5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.10%; guideline maximum is 43%.
0329094540                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70 below guideline requirement maximum of 80.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years. 0 x 30 including rentals.
0115444143 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Approved Lender exception for DTI exception, fixed rate loan at 46.07%. Loan is a rate term refinance to lower the rate from 4% to 3.625%, the LTV is low at 64%, demonstrated ability to manage similar payment, conservative use of consumer/revolving, the borrower has a documented ability to save with 29 months in reserves, the residual income is high at $14,019 showing an ability to repay.  1.24.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 1.24.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 64.09%; 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.
0115444143 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client -  Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 64.09%; 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.
0115444143 CRDDTI105 Debt Ratio Exception 5% or Less No Approved Lender exception for DTI exception, fixed rate loan at 46.07%. Loan is a rate term refinance to lower the rate from 4% to 3.625%, the LTV is low at 64%, demonstrated ability to manage similar payment, conservative use of consumer/revolving, the borrower has a documented ability to save with 29 months in reserves, the residual income is high at $14,019 showing an ability to repay. Clayton deems non-material based on compensating factors of 804 qualifying score. Min required per guidelines is 700, the borrower has been XXX for 16 years, and the borrower has been in current profession for 16 years. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 64.09%; 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.
0078936277 CMPBI1628 RI Borrower Interest; NTB Disclosure not signed by all parties No Missing borrower(s) signature on disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  16 years occupancy at subject property

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $981,495.43- Require $62,227.92
0464946580 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 812. Minimum credit score for this program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 189 months reserves. 18 months required for this program.
0464946580 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 812. Minimum credit score for this program is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 189 months reserves. 18 months required for this program.
0787874378                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.14%, which is 18.86% less than the max of 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 27 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $367,064.10, or 56 months subject PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 798.
0749872960 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Satisfied: The seller CD disclosed seller paid fees in Loan Costs Section C 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) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.47 % DTI below guideline max of 43%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have on prior residence for 8 years
0800793629 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years being a XXX business XXX

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 3 other paid as agreed mortgage and 2 other current mortgages and has not ever missed a payment
0244418964                 CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 721 & 770 with a minimum credit score of 680.
0537119098 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (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 as Self-Employed with 20 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 29 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 17.01% with a max DTI of 43%.
0047212998                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 793; guidelines allow a minimum Credit Score 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 26.35%; guidelines allow a maximum DTI 43.00%.
0574495436 CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 790; guidelines allow a minimum Credit Score 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $139,517.22. Reserves required PITI $6,544.73 x 12 = $78,536.76
0384786138                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $488,823.67.  Reserves required $4813.49 x 12 = $57,761.88

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.05% max allowed per G/L is 43%
0091508207                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.08%,max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $75,054.28.  Reserves required $4005.45 x 12 = $48,065.40
0167463397 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 797 and minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.77% and maximum allowed is 43%.
0723630152                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 29 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has have resided at the primary residence for 25 years
0035185220 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing complete copy of 2018 1040's; missing Schedule E to complete rental income calculation.  1.23.20 - Client responded. See attached documentation of returns.  1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 787; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $135,984.25.  12mo reserves or $49,570.32 required.
0035185220 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 787; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $135,984.25.  12mo reserves or $49,570.32 required.
0035185220 CRDINC3204 Income Documentation Missing No Missing complete copy of 2018 1040's; missing Schedule E to complete rental income calculation.  1.23.20 - Client responded. See attached documentation of returns.  1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 787; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $135,984.25.  12mo reserves or $49,570.32 required.
0880824314 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing lease for XXX property; required per ATR/QM when using rental income to qualify  12.17.19 - Client responded. Rental income (loss) is reported on borrowers last 2 years tax returns for these properties and the borrowers were qualified with that small rental loss. No leases are required since the 2 years tax returns were provided.12.17.19 - Clayton has reviewed and although not a credit exception per the lender guides QM requires the Leases as well. 12.18.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly 12.17.19 - Exception remains. 12.18.119 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314 CMPTRID4463 TRID - Assumption selection on the CD does not match the clause in the mortgage. No The final CD, XXX, disclosures section allows assumability. The Note is fixed and not assumable. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (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 over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $220.00 zero tolerance due to increase in appraisal fee on LE XXX without a sufficient CoC. CoC states "appraisal fee was increased to $770.00 by the XXX". Please provide details to support reason for increase that was unknown at time of initial disclosures.  12.20.19 - Client responded. Disagree:  see attached CoC for appraisal fee increase 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client: Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314 CRDAST205 Insufficient Funds to Close No Approved lender exception for proof of liquidated assets in the amount of $87,688.34 required to close. Clayton deems exception non-material based on compensating of 40.08 months of reserves vs 12 months required, 30+ years with the same employer, and LTV of 66.67% vs 80% max   (No Data) (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 over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0880824314 CRDINC3204 Income Documentation Missing No Missing lease for XXX property; required per ATR/QM when using rental income to qualify  12.17.19 - Client responded. Rental income (loss) is reported on borrowers last 2 years tax returns for these properties and the borrowers were qualified with that small rental loss. No leases are required since the 2 years tax returns were provided.12.17.19 - Clayton has reviewed and lease not required per lender guides therefore this is not a credit exception.  12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been with the same employer for over 30 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.50%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $219,750.62.  Reserves required $5441.21 x 12 = $65,294.52
0332545785 CMPDOC225 Missing Rider No XXX Waiver of Borrower's Rights/Closing Attorneys Affidavit is missing from the file. Provide copy of missing document. 01.3.20 - Client responded. Attached is XXX Waiver of Borrower's Rights/Closing Attorneys Affidavit. 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.31% DTI below guideline max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785 CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No List of homeowners counseling organizations issued XXX, more than 3 days after application date of XXX. 01.3.20 - Client responded. Disagree:  excluding non-business days for lender (Saturday and Sunday), XXX meets 3 day timing for Loan Estimate 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.31% DTI below guideline max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.31% DTI below guideline max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.31% DTI below guideline max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written list of providers issued XXX, more than 3 days after application date of XXX. 01.3.20 - Client responded. Disagree:  excluding non-business days for lender (Saturday and Sunday), XXX meets 3 day timing for Loan Estimate 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.31% DTI below guideline max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0332545785 CMPTRID3552 TRID - Loan Estimate not timely No Initial LE issued XXX, more than 3 days after application date of XXX. 01.3.20 - Client responded. Disagree:  excluding non-business days for lender (Saturday and Sunday), XXX meets 3 day timing for Loan Estimate 01.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.31% DTI below guideline max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of 36 months exceeds requirements of 12 months
0707724360                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $2,309,864.05.  Reserves required $6110.06 x 12 = $73,320.72

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 33 years
0231397221 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years 9  month at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 766 exceeds guidelines.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 11 years 1 month at the current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in their profession.
0231397221 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years 9  month at the current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 766 exceeds guidelines.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has 11 years 1 month at the current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in their profession.
0513837122                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 785; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $77,704.73.  Per program guidelines, 12mo PITI/PL  required or $60,090.96.
0516400659 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD is missing in the file. 1.31.20 - Client responded. See attached combined closing disclosure.  Per Lender a separate seller CD was not done. 1.31.20 - Exception Satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years of significant time in profession
0583613742                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 788; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.36%; guideline max is 43.00%.
0744968800                 CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The Borrower has additional income that was not used for qualifying.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with a qualifying fico score of 786.
0739184622 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 20 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 655; Maximum LTV per guidelines is 80%
0147781271 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Satisfied: The seller CD disclosed seller paid fees in Other Costs Section C, E & 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) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 781; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.54%; guideline max 43.00%.
0874861426 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No CD dated XXX-2 Loan Disclosures section, the reason for not having an escrow account field does not have an option selected. 2.7.20 - 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 requested2.11.20 - Client responded. XXX:  see attached PC CD with updated escrow table page 4 2.7.20 - Exception remains. 2.11.20 - Exception satisfied.  Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 41yrs

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 41yrs
0874861426 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of $XXX. which is a variance of -14.3% less than the original appraised value of $XXX. A field review has been ordered. 2.10.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.10.20 - Exception satisfied. Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 41yrs

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 41yrs
0758125974                 CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have significant time in their professions, both over 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 808 and minimum required is 700.
0355973759                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 credit score exceeds guideline requirements of 740

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same work profession for 19 years
0277997495                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 773  exceeds guidelines by 53pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.46 below guideline requirement 43% by 10.54 pts
0558392377 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.66 % DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 credit score exceeds guideline requirement of 740 by 64 points
0618494993                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.33%. Max DTI for this program is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 20 months cash reserves. 6 months required for this program.
0857508060 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No The calculating cash to close, Adjustments and other credits is missing the label for Did this change question. Need LOX and PCCD. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.27% DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  71 months cash reserves exceeds guideline requirement of 12 months
0153317789 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage.  1.30.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 1.30.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit score  816 exceeds guidelines 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0153317789 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit score  816 exceeds guidelines 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0153317789 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of CD 3 days prior to consummation (missing Initial CD) 2.4.20 - Client responded. Disagree:  CD issued XXX and per TRID requirements, presumed delivery is XXX.  Earliest closing date is XXX.  Loan consummation on XXX  CD signed on XXX and Deed of Trust notarized on XXX.  No timing violation. 2.4.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit score  816 exceeds guidelines 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0153317789 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit score  816 exceeds guidelines 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.08  below guideline requirement 43% by 23.92 pts
0421376891 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has been on current job for more than 5 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history of 35 months reported is 23 months more than the requirement of 12 months and no late payments reported.
0140539176 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  both borrowers with same company for the last 8 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  borrowers have 10 yeas with never a mortgage late
0389716084 CRDAST2670 Asset documentation is insufficient per guideline requirements No Lender approved exception for proof of liquidation of stocks, bonds, mutual funds , etc. Clayton deems non-material based on compensating factors of  788 qualifying score. Min required per guidelines is 720, DTI is 13.87%, max per guidelines is 43% and the borrower has been employed for 8 years.  (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 13.83%; guidelines allow a maximum DTI 45.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 788; guidelines allow a minimum Credit Score 740.
0389716084 CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Lender approved exception for lack of 12 months rental history. Clayton deems non-material based on compensating factors of  788 qualifying score. Min required per guidelines is 720, DTI is 13.87%, max per guidelines is 43% and the borrower has been employed for 8 years.  (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 13.83%; guidelines allow a maximum DTI 45.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 788; guidelines allow a minimum Credit Score 740.
0498812963 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No The finance charge is under disclosed by $294.87. Final CD dated XXX disclosed finance charge as $506,968.23, review calculated finance charge to be $507,263.10. The following fees were applied towards APR: Underwriting $595.00, Processing $595.00, Settlement Closing Fee $1365.05, Tax Service Fee $74.00, Courier Charges $49.50, Flood Cert $8.50, Prepaid Interest $1754.21, Discount $2610.00.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 12.17.19 - Client responded. Disagree.  Consummation CD has issue date XXX and is signed on XXX.  Security Instrument is notarized on XXX.   Consummation CD signed on XXX has accurate Finance Charge and Amount Financed.  No refund required.   Appears Investor based calculation on preliminary CD with issue date XXX and eSigned on XXX. 12.17.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 818.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.
0498812963 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed. Difference of  $1462.61 found. 12.17.19 - Client responded. Disagree. Consummation CD has issue date XXX and is signed on XXX. Security Instrument is notarized on XXX. Consummation CD signed on XXX has accurate Finance Charge and Amount Financed. No refund required. Appears Investor based calculation on preliminary CD with issue date XXX and eSigned on XXX. 12.17.19 - Exception satisfied.  Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 818.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.
0498812963 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD dated XXX, adjustments for items paid by seller in advance, lists HOA dues but is missing the to and from dates.  Requires LOX and PCCD. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 818.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.
0116856370 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Transfer Taxes increased by $137.47. No documentation/COC in file to validate the increase in fees. Requires LOX, PCCD, Refund and Proof of Shipping. 1.31.20 - Client responded. Disagree. Transfer taxes decreased from $13,948 on the initial LE to $13,847.50 on the consummation CD. No refund required. 1.31.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 70mo. of 0x30 mortgage payment history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qual score.
0571066766                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The DTI of 28.63% is well below the GL maximum allowable of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower have excellent credit.
0211948619 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing current P&L and Balance sheet for B1 Schedule C business 1.10.20 - Client responded.  P&L and Balance sheet were waived at the discretion of the underwriter1.10.20 - Clayton has reviewed and although the lender guides allow to be waived this is a QM requirement. 1.13.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 1.10.20 - Exception remains. 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 762; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $146,498.21.  12mo reserves or $101,387.64 required.
0211948619 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  PWE credit score is 762; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $146,498.21.  12mo reserves or $101,387.64 required.
0147394809                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $330,399.61. Reserves required $2777.64 x 12 = $33,331.68

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.36%; Maximum for program is 43%
0606642899 PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Completed "Subject To" w/o completion cert in File.  2.14.20 - Client responded. See attached 1004D.  2.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job as XXX for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 798 & 782 with the minimum credit score of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 13.88% with the max DTI of 43%.
0548724404 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing P&L and Balance Sheet for borrower Schedule C business 1.24.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 1.24.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 800.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years of service in current position.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0548724404 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 800.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years of service in current position.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0548724404 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 800.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years of service in current position.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0548724404 CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Missing verification of rent free letter. 1.24.20 - Client responded. "Per underwriting notes:  BORROWER CURRENTLY LIVES AT XXX-THIS IS AN XXX WHERE B1 OWNS THE XXX THAT XXX AND ALSO OWNS THE XXX THAT ARE XXX ON IT-INCLUDED TAXES, INS AND HOA DUES IN THE DEBT RATIO FOR QUALIFYING" 1.24.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with a qualifying score of 800.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years of service in current position.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional documented dividend income not used to qualify.
0619275126 CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No Missing No Cert of Compliance or Cert of Exemption. 1.30.20 - Client responded. Disagree.  The xxx Ani-Predatory Lending Database Program Certificate of Compliance is in the file.  This document is imaged under State And Local Regulatory Compliance.  See attached. 1.30.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.58%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66%. Max LTV for this program is 80%.
0954104756                 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 72% is 8 points below the maximum required LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 728 is 48 points above the minimum required score of 680.
0403291873 CMPTRID4579 TRID - CD: Missing Initial CD No According to Disclosure Tracking a CD was sent on XXX and received same day. This Initial CD is not in file. File includes Addendum to closing Disclosure e-signed XXX as well.  2.6.20 - Client responded. See attached initial CD dated XXX 2.6.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 52.72% is below the maximum of 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 13 years.
0745414532                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 781 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.13% DTI is below max guideline of 43%.
0695026985 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero percent tolerance fee of $275.00 for Inspection Fee. Missing COC or post close CD and evidence of refund to borrower 01.3.20 - Client responded. Agree:  PC CD issued XXX with re-inspection fee of $160.  Zero percent tolerance fee of $160.   Remediation requested.1.7.20 - Client responded. 1/7/2020:  See attached CoC documentation for inspection fee.   No refund required. 01.3.20 - Exception remains. 1.7.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI OF 18.22 is below the maximun of 43%
0756089081 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $50 zero tolerance due to increase in Survey Fee from $350 to $400 on CD dated XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 12.20.19 - Client responded. Disagree. The Survey Fee was initially disclosed in section C of the LE and moved to section B of the CD which allows for a 10% tolerance. XXX calculated 10% fees include Survey $350 and Recording $250.  The increase from $350 to $400 remains within the 10% tolerance so no refund would be due to the borrower for this change. 12.20.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.32%, which is 14.68% less than the guideline max of 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with their current employer since 2010, nine years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $117,978.19, or 39 months subject PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower having credit score of 789 which is well over the guideline min score.
0756089081 CRDAST2670 Asset documentation is insufficient per guideline requirements No Approved Lender Exception for use of business funds for closing assets, exception was supported by low DTI, employment history, and established credit.  Clayton considers as non-material based upon the compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.32%, which is 14.68% less than the guideline max of 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2000, 19 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with their current employer since 2010, nine years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $117,978.19, or 39 months subject PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower having credit score of 789 which is well over the guideline min score.
0564154473 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1) Provide the lease agreements for the properties on XXX, and XXX for the use of rental income.  12.17.19 - Client responded. Rental income (loss) is reported on borrowers last 2 years tax returns for these properties and the borrowers were qualified with that small rental loss. No leases are required since the 2 years tax returns were provided.12.17.19 - Clayton has reviewed and although not required per the lender guides leases are required per QM. 12.18.19 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 12.17.19 - Exception remains. 12.18.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.06%, 8.94% less than the guideline maximum of 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $1,525,824.31, or 218 months subject PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their current profession for 10 years.
0564154473 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.06%, 8.94% less than the guideline maximum of 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $1,525,824.31, or 218 months subject PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their current profession for 10 years.
0483475198 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No The finance charge is under disclosed by $300.00. Final CD dated XXX disclosed finance charge as $677,396.06, review calculated finance charge to be $677,696.06. The following fees were applied towards APR: Administrative $1195.00, Settlement Closing Fee $975.00, Service Fee $340.00, Service Charge $500.00, Recording Service Fee $100.00, Prepaid Interest $2671.23, Discount $4700.00.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 1.21.20 - Client responded. Remediation requested for refund, LOX1.24.20 - Client responded. 1/24/2020:  disagree.  CA is escrow state and PC CD issued on XXX.  No APR/Finance Charges identified.  See attached PC CD issued XXX. 1.21.20 - Exception remains. 1.24.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.42%. Max DTI for this program is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66.67%. Max LTV for this program is 80.00%.
0525474897                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 804 exceeds guidelines of 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68 below guideline requirements 80% BY 12PTS
0580536555                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 778 exceeds guidelines 700 by 78 points

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60.5 cltv on subject property 18.5 points below maximum 80%
0685487404                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.64%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $950,637.26.  Reserves required $5042.84 x 12 = $60,514.08
0259417368 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.19 % below guideline requirement of 43%
0411974818                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $326,128.98.  Reserves required $5660.96 x 12 = $67,931.52

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 18 years
0457479020 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD in section C and E but not Borrower CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  22.51% DTI below guideline requirements of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.36% LTV below guideline max of 80%
0241121602                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 employed at current job 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 794 exceed guidelines 700 by 94 points.
0483735375 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $368,841.49 or 79.45 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 25 years.
0483735375 CRDLGL2550 Missing HUD-1 from sale of property No Provide the final HUD 1/ Final CD from the sale of XXX 3.19.20 - Client responded. In the delivered PDF on pages 981-982 you will find the Underwriting Worksheet. The Underwriter knew that the prior residence would not be sold by the time the new loan closed so they included the prior residence in the DTI. The borrower had sufficient Assets and Income so the Final CD for the departure residence is not required. 3.20.20 - Client responded. Additional commentary - Revised: See attached response from Lending Officer clarifying policy was met for exclusion of departure PITI  and UW worksheet reflecting Schedule C loss deducted from income resulting in DTI 36.62%. Attaching departure contract and buyer's approval (redacted for PII).  3.19.20 - Exception satisfied. 3.20.20 - Exception status still satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $368,841.49 or 79.45 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 25 years.
0296356249 CMPTRID3966 TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected No CD dated XXX(1) Loan Disclosures section, the reason for not having an escrow account field does not have an option selected.  Requires LOX and PCCD. 1.27.20 - Client responded. Disagree - see attached PC CD and LOX 1.27.20 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $83,252.09.  Reserves required $4464.66 x 12 = $53,575.92

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Employed for 12 yrs 6 months with same company
0638012082                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for 10.10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.71%; guideline maximum is 43%.
0678678413                 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 22 years with the same company.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 811 and minimum required is 720.
0543810165 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement and Balance Sheet for XXX business showing on Schedule E of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 2.5.20 - Client responded. See attached balance sheet and P&L 2.5.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 794 is 114 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years experience in profession.
0543810165 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 794 is 114 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 14 years experience in profession.
0542874819                 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.05%. 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 11 years.
0156781550                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 753 is 73 points above the minimum required score of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 30 years experience in profession.
0246391501 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing YTD 2019 Profit & Loss Statement  and  Balance Sheet for XXX business showing on Schedule C of the 1040s. Per Appendix Q, both a Balance Sheet and a P&L statement is required; in order for the loan to be classified as a Qualified Mortgage. 1.23.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly. 1.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 49 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34%. Max DTI for this program is 43%.
0246391501 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 49 months reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34%. Max DTI for this program is 43%.
0578129438                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 761; guidelines allow a minimum Credit Score 740.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 33.71%; guidelines allow a maximum DTI 43.00%.
0228816176 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  74.14 % LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  40.59 % DTI below guideline requirement of 43%
0228816176 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of $XXX  which is a variance of -14.9593% less than the original appraised value of $XXX.  A Field  Review is recommended 2.7.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.7.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  74.14 % LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  40.59 % DTI below guideline requirement of 43%
0062146444 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Balance Sheet for B1 SCH C business as required per ATR/QM G/L when XXX income to qualify  3.6.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 3.6.20 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 11 years
0062146444 PRVAVALU5249 Property Value Not Supported No A Desk review was received with a reported value of $XXX which is a variance of -23.40% less than the original appraised value of $XXX. A Field review is suggested 3.17.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  3.17.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,661,269.02.  Reserves required $6791.90 x 12 = $81,503

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 11 years
0140285578 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.01 % DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with employer for 9 years
0140285578 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. File contains one CD dated at closing.  2.25.20 - Client responded. Disagree:  See attached CD eSigned on XXX.  Meets 3 day timing for closing date XXX. 2.25.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.01 % DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with employer for 9 years
0400335687                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0935418209 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that XXX with XXX #XXX has been paid and closed to future draws, authorization to close signed and dated by borrowers. 3.2.20 - Client responded. See attached final title policy 3.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 801 exceeds guidelines 720 by 81pts

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV  32% below guideline requirements 70%
0935418209 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that XXX with XXX #XXX has been paid and closed to future draws, authorization to close signed and dated by borrowers. 3.2.20 - Client responded. See attached final title policy 3.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 801 exceeds guidelines 720 by 81pts

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV  32% below guideline requirements 70%
0788298237                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 755; Minimum for program is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $983,976.98.  Per program guidelines, 12mo PITI/PL  required or $66,245.40.
0979071454 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges are understated by $134.02, Missing list of fees included in APR and breakdown of credits when applicable. 2.20.20 - Client responded. Disagree.  Finance charge disclosed $387,227.53.  Finance charge calculated $387,227.43 is within tolerance.  Total pre-paids is $1849.15 consisting of $245.00 Application Fees, $450.00 Processing Fees, $65.00 Tax Service Fee, $500.00 Underwriting Fees, $15.98 Credit Monitoring Fee, $9.00 Flood Certification, $9.00 Title - Electronic Document, $495.00 Title - Settlement Fee and $60.17 prepaid interest.  Tester unable to replicate TPR results. 2.20.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 21 months cash reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.06%. Max DTI for this program is 43.00%.
0979071454 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD: XXX-1 [Last CD], Section: Loan Calculations, Field: Amount Financed, Value: 575742.85Field: Amount Financed as Calculated, Value: 575608.83 difference of $134.02. 2.20.20 - Client responded. "Disagree.  Amount financed disclosed $575,742.85.  Amount financed calculated $575,742.85 is within tolerance.  Tester unable to replicate TPR results. 2.20.20 - Exception satisfied.  Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 21 months cash reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.06%. Max DTI for this program is 43.00%.
0979071454 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. 2.20.20 - Client responded. Disagree:  CD was opened and acknowledged  b borrower on XXX per audit trail.  XXX considered in  hand delivery and meets 3 day timing for consummation on XXX.  See attached audit trail. 2.20.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 21 months cash reserves. 12 months required for this program.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.06%. Max DTI for this program is 43.00%.
0194176130 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 782; minimum score is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 38.52%; guideline maximum is 43.00%.
0984676984 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 778; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 22.80%; guidelines allow a maximum DTI 43.00%.
0984676984 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. 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) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 778; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 22.80%; guidelines allow a maximum DTI 43.00%.
0757541466 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (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 23 years experience in profession.
0757541466 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied.  (No Data) (No Data) Numeric 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 23 years experience in profession.
0045246453 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 774; guideline minimum is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 6 years.
0045246453 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 774; guideline minimum is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 6 years.
0770245381 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves $390611.58 or 103.93  months, guidelines require 12 months PITIA .

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower with current employer for 22 years.
0681612097 CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No Missing No Cert of Compliance or Cert of Exemption. 1.30.20 - Client responded. Disagree.  The Illinois Ani-Predatory Lending Database Program Certificate of Compliance is in the file.  This document is imaged under State And Local Regulatory Compliance.  See attached. 1.30.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $329,192.71.  Reserves required $4056..12 x 12 = $48,673.44

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.84%, max allowed per G/L is 43%
0681612097 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Approved lender exception for B1 having no rental history. Clayton considers non material based on compensating factors of 81.16 months reserves VS 12 months required, DTI of 29.84%, max per guidelines is 43%. and qualifying FICO of 802,Min required per guidelines is 700. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $329,192.71.  Reserves required $4056..12 x 12 = $48,673.44

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.84%, max allowed per G/L is 43%
0639044846 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $348,180.94.  Reserves required $3540.22 x 12 = $42,482.64

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.36%, max allowed 43%
0549627563 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative fico score 756 exceeds guidelines requirements 720: 36pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  17.85 % is below guideline requirement 43% : 25.15pts
0549627563 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller Cd not present in file.  Provide copy of missing document. 1.2.20 - Client responded. See attached combined borrower and seller closing disclosure.  Shows seller mortgage accounts paid off and closing costs paid.  No separate seller CD. 1.2.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative fico score 756 exceeds guidelines requirements 720: 36pts

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  17.85 % is below guideline requirement 43% : 25.15pts
0993061564                 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $304,458.52 or 75.18 months PITI

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 in same profession 30 years
0309246636 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 799 & 788 with a minimum credit score of 740.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 19 years.
0309246636 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 799 & 788 with a minimum credit score of 740.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 19 years.
0309246636 CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero percent tolerance fee of $50.00 for increase in Appraisal Re-Inspection Fee. Missing COC or post close CD and evidence of refund to borrower 3.3.20 - Client responded. Disagree:  Loan Estimate issued XXX disclosed $700 Appraisal and $125 Appraisal Re-inspection fee.  Consummation CD disclosed  Appraisal Fee $700 ($175 paid at close and $525 before closing).   No Appraisal Reinspection fee charged on consummation CD.  See attached Consummation CD. 3.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 799 & 788 with a minimum credit score of 740.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 19 years.
0091931913 CMPTRID3952 TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established No Projected payments says $0.00 however yes is selected for HOI and property taxes rather than No. 1.31.20 - Client responded. Agree. The CD issued XXX indicates "Yes" for the In escrow field in Estimated Taxes, Insurance, and Assessments (ETIA). ETIA should be updated to reflect In Escrow No. PC CD and LOX to borrower required to remedy2.11.20 - Client responded. XXX see attached PD CD with corrected page 4 escrow table. 1.31.20 - Exception remains. 2.11.20 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.51% below guideline requirement 43% by 17.5%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 819, minimum is required 700
0735993360 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing balance sheet for B2 schedule C business. 2.14.20 - Client responded. Agree. Loan was knowingly approved with the missing balance sheet2.17.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 2.14.20 - Exception remains. 2.17.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 13 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 802 is above the minimum required score of 720
0735993360 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client Re-status loan as Non-QM and re-grade accordingly (No Data) (No Data) Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 13 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 802 is above the minimum required score of 720
0735993360 PRVAVALU5249 Property Value Not Supported No A Desk Review was received with a reported value of $XXX which is a variance of -20.31% less than the original appraised value of $XXX. A field review has been ordered.   2.26.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.  2.26.20 - Exception satisfied Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 13 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 802 is above the minimum required score of 720
0479438120                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 787; guideline minimum 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.44%, guideline maximum is 43.00%.
0535802940                 CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been XXX for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 786, minimum required for 80% LTV is 720
0150978513 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Lender approved at 43.56%. Clayton calculated income = $27,601.00. Subject PITI $7,065.90; Departing Residence $5,019.46 and Other debt $10.00 = $12,095.36 for DTI of 43.82%. DTI over 43% is considered Non-QM.  2.6.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 2.6.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 9 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 9 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 9 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513 CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No Per Client - Re-status loan as Non-QM and re-grade accordingly. (No Data) (No Data) Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 9 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0150978513 CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved at 43.56%. Clayton calculated income = $27,601.00. Subject PITI $7,065.90; Departing Residence $5,019.46 and Other debt $10.00 = $12,095.36 for DTI of 43.82%.  2.6.20 - Lender request to make loan non-QM now makes this exception invalid.  2.6.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 9 years experience in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 700
0452203312 CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that XXX #XXX-XXX has been closed to future draws, signed authorization to close account not provided.   2.3.20 - Client responded. See final title policy validating HELOC was released. 2.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.53%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.12%. Max LTV for this program is 70.00%.
0452203312 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that XXX #XXX-XXX has been closed to future draws, signed authorization to close account not provided.  Clayton considers non-material based on compensating factors of B1 employment of 19 years, low LTV 59.12% & DTI 35.53%. 2.3.20 - Client responded. See final title policy validating HELOC was released. 2.3.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.53%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.12%. Max LTV for this program is 70.00%.
0253477570 CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No The file does not contain documentation that the initial CD dated XXX was prior to final CD XXX.  1.21.20 - Client responded. Agree:  Closing Disclosure dated XXX is unsigned and presumed delivery is XXX.   Earliest close date is XXX.  Loan closing  XXX and does not meet TRID timing requirements.   Requires evidence of 3day receipt of CD prior to XXX. Remediation requested.2.11.20 - Client responded. 2/10/2020:  see attached document tracking.  CD opened and acknowledged by borrower on XXX.  Meets timing for closing date XXX. 1.21.20 - Exception remains. 2.11.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 815; guideline minimum 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 5 years.
0118109664 CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have been XXX for over 16 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.75%, max allowed per G/L is 43%
0014449205                 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 700

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 6 years experience in profession.
0520115742 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75%LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.87% DTI below guideline max of 45%

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2020-RR1
Start - End Dates: 4/2017 To 7/2020
Deal Loan Count: 376
   
         
Conditions Report 2.0
         
Loans in Report: 376
Loans with Conditions: 273

 

Alt Loan Number TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade
0058093967 Yes XXXXXX XXXXXX C B C B A A
0460266286 Yes XXXXXX XXXXXX D B B B A A
0345524951 Yes XXXXXX XXXXXX D B D B A A
0905082850 Yes XXXXXX XXXXXX D B D B B A
0766781850 Yes XXXXXX XXXXXX D B C B B A
0716875694 Yes XXXXXX XXXXXX D B D B A A
0937384502 Yes XXXXXX XXXXXX D B D A A A
0478365775 Yes XXXXXX XXXXXX D B D B A A
0844239670 Yes XXXXXX XXXXXX D B D B A A
0720118077 Yes XXXXXX XXXXXX D B D B A A
0215673379 Yes XXXXXX XXXXXX C B C B C A
0813172404 Yes XXXXXX XXXXXX D B B B C A
0331144799 Yes XXXXXX XXXXXX D B D B A A
0103440112 Yes XXXXXX XXXXXX D B D B A A
0066248376 Yes XXXXXX XXXXXX D B B B A A
0845772901 Yes XXXXXX XXXXXX D B D B A A
0917509116 Yes XXXXXX XXXXXX D B D B C A
0808516003 Yes XXXXXX XXXXXX D B D B B A
0681714584 Yes XXXXXX XXXXXX D B D B A A
0564024477 Yes XXXXXX XXXXXX D B D B A A
0634340581 Yes XXXXXX XXXXXX D B D A A A
0876017365 Yes XXXXXX XXXXXX C B C B A A
0261449590 Yes XXXXXX XXXXXX D B B B A A
0390206785 Yes XXXXXX XXXXXX D B D B A A
0675741198 Yes XXXXXX XXXXXX D B D B A A
0279313615 Yes XXXXXX XXXXXX D B D B A A
0754880233 Yes XXXXXX XXXXXX D B B B A A
0733283060 Yes XXXXXX XXXXXX D B B B B A
0830874307 Yes XXXXXX XXXXXX D B B B A A
0603856189 Yes XXXXXX XXXXXX D B B B A A
0733482960 Yes XXXXXX XXXXXX D C C C A A
0305768815 Yes XXXXXX XXXXXX D B D B A A
0193295640 Yes XXXXXX XXXXXX D B B B A A
0912035228 Yes XXXXXX XXXXXX D B D B A A
0588980730 Yes XXXXXX XXXXXX C B C B A A
0222821814 Yes XXXXXX XXXXXX D B B B D A
0187716302 Yes XXXXXX XXXXXX D B B B A A
0134859397 Yes XXXXXX XXXXXX D B B B A A
0096927963 Yes XXXXXX XXXXXX D B B A A A
0984351889 Yes XXXXXX XXXXXX D B D B A A
0352386445 Yes XXXXXX XXXXXX D B B B A A
0336019690 Yes XXXXXX XXXXXX D B D A A A
0864823692 Yes XXXXXX XXXXXX D B D B A A
0496353559 Yes XXXXXX XXXXXX D B C B C A
0628571176 Yes XXXXXX XXXXXX D B B B A A
0724929458 Yes XXXXXX XXXXXX D B A A A A
0101123162 Yes XXXXXX XXXXXX D B B B C A
0150952413 Yes XXXXXX XXXXXX D B B B A A
0333468038 Yes XXXXXX XXXXXX D B B B A A
0928143050 Yes XXXXXX XXXXXX D B B B A A
0893713685 Yes XXXXXX XXXXXX D B B B A A
0377384031 Yes XXXXXX XXXXXX D B B B A A
0104395200 Yes XXXXXX XXXXXX D B B B A A
0866262796 Yes XXXXXX XXXXXX D B D B A A
0408978855 Yes XXXXXX XXXXXX D B B B A A
0525245910 Yes XXXXXX XXXXXX D B B B A A
0451869153 Yes XXXXXX XXXXXX D B D B A A
0281282681 Yes XXXXXX XXXXXX D B B B C A
0086336495 Yes XXXXXX XXXXXX D B A A A A
0710969555 Yes XXXXXX XXXXXX D B B B A A
0934091468 Yes XXXXXX XXXXXX D B C B A A
0409210611 Yes XXXXXX XXXXXX D B B B A A
0939412075 Yes XXXXXX XXXXXX D B D B A A
0340510098 Yes XXXXXX XXXXXX D B B B A A
0389743079 Yes XXXXXX XXXXXX D B C B A A
0194389717 Yes XXXXXX XXXXXX D B B B D A
0028699661 Yes XXXXXX XXXXXX D B B B A A
0266736486 Yes XXXXXX XXXXXX D B D B A A
0216132218 Yes XXXXXX XXXXXX D B B B A A
0738508713 Yes XXXXXX XXXXXX D B B B A A
0816150918 Yes XXXXXX XXXXXX D B D B A A
0807818862 Yes XXXXXX XXXXXX D B B B A A
0236968332 Yes XXXXXX XXXXXX D B B B A A
0520183751 Yes XXXXXX XXXXXX D B D B A A
0607541062 Yes XXXXXX XXXXXX D B D B A A
0473140064 Yes XXXXXX XXXXXX D B B B A A
0111855447 Yes XXXXXX XXXXXX D B D B A A
0921764266 Yes XXXXXX XXXXXX D B D B A A
0233656945 Yes XXXXXX XXXXXX C B C B A A
0676121309 Yes XXXXXX XXXXXX D B B B A A
0042626327 Yes XXXXXX XXXXXX A A A A A A
0250203100 Yes XXXXXX XXXXXX A A A A A A
0981427612 Yes XXXXXX XXXXXX A A A A A A
0627861462 Yes XXXXXX XXXXXX A A A A A A
0039058195 Yes XXXXXX XXXXXX A A A A A A
0139644050 Yes XXXXXX XXXXXX D B D B A A
0303224960 Yes XXXXXX XXXXXX D A A A D A
0484146170 Yes XXXXXX XXXXXX D B B B A A
0842683133 Yes XXXXXX XXXXXX D B C B C A
0579524202 Yes XXXXXX XXXXXX B B B B A A
0657971017 Yes XXXXXX XXXXXX D B D B C A
0694690062 Yes XXXXXX XXXXXX D A A A A A
0761832757 Yes XXXXXX XXXXXX D B B B A A
0926935255 Yes XXXXXX XXXXXX D B D B A A
0641544091 Yes XXXXXX XXXXXX D B B B A A
0280634150 Yes XXXXXX XXXXXX D B B B A A
0684792372 Yes XXXXXX XXXXXX D B B B A A
0937766655 Yes XXXXXX XXXXXX D B B B C A
0256333715 Yes XXXXXX XXXXXX D B C B A A
0628501373 Yes XXXXXX XXXXXX D B B B A A
0966576986 Yes XXXXXX XXXXXX D B D B A A
0691005003 Yes XXXXXX XXXXXX D B D B A A
0107542073 Yes XXXXXX XXXXXX D B B B A A
0242659236 Yes XXXXXX XXXXXX B B A A A A
0991610154 Yes XXXXXX XXXXXX D A A A D A
0521593748 Yes XXXXXX XXXXXX D B A A D A
0989966163 Yes XXXXXX XXXXXX D B D B A A
0666871421 Yes XXXXXX XXXXXX A A A A A A
0688749724 Yes XXXXXX XXXXXX A A A A A A
0447571739 Yes XXXXXX XXXXXX D A D A A A
0284086889 Yes XXXXXX XXXXXX D A A A D A
0223411300 Yes XXXXXX XXXXXX D A A A D A
0501538580 Yes XXXXXX XXXXXX D B B B A A
0669254856 Yes XXXXXX XXXXXX D B B B A A
0288069721 Yes XXXXXX XXXXXX A A A A A A
0882055575 Yes XXXXXX XXXXXX A A A A A A
0969405083 Yes XXXXXX XXXXXX D A A A A A
0964453250 Yes XXXXXX XXXXXX A A A A A A
0960894460 Yes XXXXXX XXXXXX B B B B A A
0686927117 Yes XXXXXX XXXXXX A A A A A A
0858224311 Yes XXXXXX XXXXXX B B B B A A
0151536873 Yes XXXXXX XXXXXX A A A A A A
0594957881 Yes XXXXXX XXXXXX B B A A A A
0181607847 Yes XXXXXX XXXXXX D A B A A A
0561713230 Yes XXXXXX XXXXXX A A A A A A
0580493960 Yes XXXXXX XXXXXX A A A A A A
0359700682 Yes XXXXXX XXXXXX D B A A D A
0762996387 Yes XXXXXX XXXXXX B B A A A A
0591713842 Yes XXXXXX XXXXXX A A A A A A
0412138716 Yes XXXXXX XXXXXX C B A A A A
0708668607 Yes XXXXXX XXXXXX A A A A A A
0359030118 Yes XXXXXX XXXXXX C B A A C A
0963333981 Yes XXXXXX XXXXXX D B B B A A
0637871952 Yes XXXXXX XXXXXX B B A A A A
0089767037 Yes XXXXXX XXXXXX C B A A C A
0251271268 Yes XXXXXX XXXXXX B B B B A A
0782958136 Yes XXXXXX XXXXXX C B A A C A
0962555915 Yes XXXXXX XXXXXX D B B B A A
0660266447 Yes XXXXXX XXXXXX D B B B D A
0515751289 Yes XXXXXX XXXXXX D B B A A A
0780847153 Yes XXXXXX XXXXXX D B D B A A
0344082665 Yes XXXXXX XXXXXX B B A A A A
0799137988 Yes XXXXXX XXXXXX B B B B A A
0255092108 Yes XXXXXX XXXXXX B B B B A A
0394335880 Yes XXXXXX XXXXXX A A A A A A
0046496761 Yes XXXXXX XXXXXX D A D A A A
0635699069 Yes XXXXXX XXXXXX A A A A A A
0921535455 Yes XXXXXX XXXXXX A A A A A A
0694875724 Yes XXXXXX XXXXXX D B A A A A
0888046046 Yes XXXXXX XXXXXX B B A A A A
0537102789 Yes XXXXXX XXXXXX D B B B D A
0230199731 Yes XXXXXX XXXXXX B A A A A A
0194649465 Yes XXXXXX XXXXXX A A A A A A
0403429564 Yes XXXXXX XXXXXX A A A A A A
0211614348 Yes XXXXXX XXXXXX B B A A A A
0800590972 Yes XXXXXX XXXXXX A A A A A A
0396365775 Yes XXXXXX XXXXXX A A A A A A
0180177789 Yes XXXXXX XXXXXX A A A A A A
0073103433 Yes XXXXXX XXXXXX A A A A A A
0689922795 Yes XXXXXX XXXXXX B B A A A A
0826233931 Yes XXXXXX XXXXXX A A A A A A
0061694363 Yes XXXXXX XXXXXX C B A A A A
0965394786 Yes XXXXXX XXXXXX B A A A A A
0848744571 Yes XXXXXX XXXXXX D B A A A A
0648135165 Yes XXXXXX XXXXXX C A A A A A
0464301204 Yes XXXXXX XXXXXX A A A A A A
0182854453 Yes XXXXXX XXXXXX A A A A A A
0067071770 Yes XXXXXX XXXXXX A A A A A A
0197614680 Yes XXXXXX XXXXXX A A A A A A
0752300735 Yes XXXXXX XXXXXX A A A A A A
0140292003 Yes XXXXXX XXXXXX B B A A A A
0484482818 Yes XXXXXX XXXXXX A A A A A A
0098578479 Yes XXXXXX XXXXXX A A A A A A
0159247599 Yes XXXXXX XXXXXX A A A A A A
0298538035 Yes XXXXXX XXXXXX A A A A A A
0471586929 Yes XXXXXX XXXXXX B A A A A A
0246986674 Yes XXXXXX XXXXXX C A A A A A
0007203024 Yes XXXXXX XXXXXX A A A A A A
0802874812 Yes XXXXXX XXXXXX A A A A A A
0738319626 Yes XXXXXX XXXXXX A A A A A A
0596300967 Yes XXXXXX XXXXXX D A D A A A
0066074404 Yes XXXXXX XXXXXX C B A A A A
0083957083 Yes XXXXXX XXXXXX A A A A A A
0480258643 Yes XXXXXX XXXXXX A A A A A A
0432802722 Yes XXXXXX XXXXXX B B A A A A
0451121628 Yes XXXXXX XXXXXX A A A A A A
0094132506 Yes XXXXXX XXXXXX D B B B A A
0440515802 Yes XXXXXX XXXXXX C A A A C A
0166991701 Yes XXXXXX XXXXXX C A A A A A
0275916197 Yes XXXXXX XXXXXX D A D A A A
0381780907 Yes XXXXXX XXXXXX A A A A A A
0931852002 Yes XXXXXX XXXXXX D B B B A A
0622759677 Yes XXXXXX XXXXXX B B B B A A
0503667682 Yes XXXXXX XXXXXX C B C A A A
0025840879 Yes XXXXXX XXXXXX B B A A A A
0163875355 Yes XXXXXX XXXXXX D B B A A A
0084072021 Yes XXXXXX XXXXXX A A A A A A
0522418689 Yes XXXXXX XXXXXX B B B B A A
0290396992 Yes XXXXXX XXXXXX D A B A A A
0313726905 Yes XXXXXX XXXXXX A A A A A A
0344461168 Yes XXXXXX XXXXXX B B B B A A
0119488030 Yes XXXXXX XXXXXX A A A A A A
0660983732 Yes XXXXXX XXXXXX A A A A A A
0719668371 Yes XXXXXX XXXXXX A A A A A A
0641359241 Yes XXXXXX XXXXXX B B A A A A
0876846986 Yes XXXXXX XXXXXX A A A A A A
0539656690 Yes XXXXXX XXXXXX A A A A A A
0532953627 Yes XXXXXX XXXXXX B B B B A A
0268459998 Yes XXXXXX XXXXXX D B A A A A
0401987927 Yes XXXXXX XXXXXX A A A A A A
0804083355 Yes XXXXXX XXXXXX C A A A A A
0864858405 Yes XXXXXX XXXXXX C A A A A A
0100949224 Yes XXXXXX XXXXXX A A A A A A
0850150329 Yes XXXXXX XXXXXX A A A A A A
0316023138 Yes XXXXXX XXXXXX C B A A A A
0296538185 Yes XXXXXX XXXXXX C B A A A A
0403270653 Yes XXXXXX XXXXXX B B B B A A
0841468619 Yes XXXXXX XXXXXX A A A A A A
0410491377 Yes XXXXXX XXXXXX C B A A A A
0207936843 Yes XXXXXX XXXXXX A A A A A A
0560535952 Yes XXXXXX XXXXXX A A A A A A
0482575337 Yes XXXXXX XXXXXX D B B B A A
0768971662 Yes XXXXXX XXXXXX D B C B A A
0341377262 Yes XXXXXX XXXXXX C B A A A A
0318454281 Yes XXXXXX XXXXXX A A A A A A
0831939988 Yes XXXXXX XXXXXX A A A A A A
0658303941 Yes XXXXXX XXXXXX D A A A A A
0627253037 Yes XXXXXX XXXXXX A A A A A A
0549888506 Yes XXXXXX XXXXXX B B A A A A
0173045918 Yes XXXXXX XXXXXX A A A A A A
0353041815 Yes XXXXXX XXXXXX A A A A A A
0757546012 Yes XXXXXX XXXXXX A A A A A A
0617931850 Yes XXXXXX XXXXXX A A A A A A
0264969075 Yes XXXXXX XXXXXX A A A A A A
0368390685 Yes XXXXXX XXXXXX D B A A D A
0834531294 Yes XXXXXX XXXXXX A A A A A A
0663428205 Yes XXXXXX XXXXXX D B B B A A
0091618772 Yes XXXXXX XXXXXX B B A A A A
0470510698 Yes XXXXXX XXXXXX C A A A C A
0505661185 Yes XXXXXX XXXXXX A A A A A A
0790925236 Yes XXXXXX XXXXXX A A A A A A
0831742939 Yes XXXXXX XXXXXX C A A A C A
0581075467 Yes XXXXXX XXXXXX B B A A A A
0249769406 Yes XXXXXX XXXXXX A A A A A A
0137336864 Yes XXXXXX XXXXXX A A A A A A
0017125999 Yes XXXXXX XXXXXX A A A A A A
0717406474 Yes XXXXXX XXXXXX B B A A A A
0636552460 Yes XXXXXX XXXXXX B B A A A A
0442954178 Yes XXXXXX XXXXXX A A A A A A
0999103751 Yes XXXXXX XXXXXX B B A A A A
0090892025 Yes XXXXXX XXXXXX C B A A A A
0480694729 Yes XXXXXX XXXXXX B B A A A A
0054379439 Yes XXXXXX XXXXXX C B A A A A
0650760614 Yes XXXXXX XXXXXX B B A A A A
0558552479 Yes XXXXXX XXXXXX B B A A A A
0615216745 Yes XXXXXX XXXXXX A A A A A A
0969540472 Yes XXXXXX XXXXXX A A A A A A
0435920438 Yes XXXXXX XXXXXX B B A A A A
0232235806 Yes XXXXXX XXXXXX B B A A A A
0817191353 Yes XXXXXX XXXXXX A A A A A A
0559177597 Yes XXXXXX XXXXXX A A A A A A
0289510648 Yes XXXXXX XXXXXX C B C A A A
0450726039 Yes XXXXXX XXXXXX A A A A A A
0258714939 Yes XXXXXX XXXXXX C B A A B B
0250548693 Yes XXXXXX XXXXXX A A A A A A
0171061835 Yes XXXXXX XXXXXX D A A A A A
0729022797 Yes XXXXXX XXXXXX A A A A A A
0337422317 Yes XXXXXX XXXXXX B B B B A A
0051094872 Yes XXXXXX XXXXXX A A A A A A
0845100918 Yes XXXXXX XXXXXX B B A A A A
0342155449 Yes XXXXXX XXXXXX C B C B A A
0063192927 Yes XXXXXX XXXXXX D B B B A A
0390562360 Yes XXXXXX XXXXXX D A A A A A
0240659592 Yes XXXXXX XXXXXX B B A A A A
0514673504 Yes XXXXXX XXXXXX A A A A A A
0226574930 Yes XXXXXX XXXXXX A A A A A A
0209095290 Yes XXXXXX XXXXXX A A A A A A
0403566133 Yes XXXXXX XXXXXX C A A A A A
0466520950 Yes XXXXXX XXXXXX B B A A A A
0164581982 Yes XXXXXX XXXXXX B B A A A A
0245862531 Yes XXXXXX XXXXXX C B A A A A
0329094540 Yes XXXXXX XXXXXX A A A A A A
0115444143 Yes XXXXXX XXXXXX D B B B A A
0078936277 Yes XXXXXX XXXXXX B B A A A A
0464946580 Yes XXXXXX XXXXXX A A A A A A
0787874378 Yes XXXXXX XXXXXX A A A A A A
0749872960 Yes XXXXXX XXXXXX A A A A A A
0800793629 Yes XXXXXX XXXXXX A A A A A A
0244418964 Yes XXXXXX XXXXXX A A A A A A
0537119098 Yes XXXXXX XXXXXX A A A A A A
0047212998 Yes XXXXXX XXXXXX A A A A A A
0574495436 Yes XXXXXX XXXXXX B B A A A A
0384786138 Yes XXXXXX XXXXXX A A A A A A
0091508207 Yes XXXXXX XXXXXX A A A A A A
0167463397 Yes XXXXXX XXXXXX A A A A A A
0723630152 Yes XXXXXX XXXXXX A A A A A A
0035185220 Yes XXXXXX XXXXXX D A D A A A
0880824314 Yes XXXXXX XXXXXX D B D B A A
0332545785 Yes XXXXXX XXXXXX D A A A A A
0707724360 Yes XXXXXX XXXXXX A A A A A A
0231397221 Yes XXXXXX XXXXXX A A A A A A
0513837122 Yes XXXXXX XXXXXX A A A A A A
0516400659 Yes XXXXXX XXXXXX D A A A A A
0583613742 Yes XXXXXX XXXXXX A A A A A A
0744968800 Yes XXXXXX XXXXXX A A A A A A
0739184622 Yes XXXXXX XXXXXX A A A A A A
0147781271 Yes XXXXXX XXXXXX B B A A A A
0874861426 Yes XXXXXX XXXXXX C B A A C A
0758125974 Yes XXXXXX XXXXXX A A A A A A
0355973759 Yes XXXXXX XXXXXX A A A A A A
0277997495 Yes XXXXXX XXXXXX A A A A A A
0558392377 Yes XXXXXX XXXXXX A A A A A A
0618494993 Yes XXXXXX XXXXXX A A A A A A
0857508060 Yes XXXXXX XXXXXX B B A A A A
0153317789 Yes XXXXXX XXXXXX D B B B A A
0421376891 Yes XXXXXX XXXXXX A A A A A A
0140539176 Yes XXXXXX XXXXXX A A A A A A
0389716084 Yes XXXXXX XXXXXX B B B B A A
0498812963 Yes XXXXXX XXXXXX C B A A A A
0116856370 Yes XXXXXX XXXXXX C A A A A A
0571066766 Yes XXXXXX XXXXXX A A A A A A
0211948619 Yes XXXXXX XXXXXX D B B B A A
0147394809 Yes XXXXXX XXXXXX A A A A A A
0606642899 Yes XXXXXX XXXXXX D A A A D A
0548724404 Yes XXXXXX XXXXXX D B D B A A
0619275126 Yes XXXXXX XXXXXX D A A A A A
0954104756 Yes XXXXXX XXXXXX A A A A A A
0403291873 Yes XXXXXX XXXXXX D A A A A A
0745414532 Yes XXXXXX XXXXXX A A A A A A
0695026985 Yes XXXXXX XXXXXX C A A A A A
0756089081 Yes XXXXXX XXXXXX C B B B A A
0564154473 Yes XXXXXX XXXXXX D B B B A A
0483475198 Yes XXXXXX XXXXXX C B A A A A
0525474897 Yes XXXXXX XXXXXX A A A A A A
0580536555 Yes XXXXXX XXXXXX A A A A A A
0685487404 Yes XXXXXX XXXXXX A A A A A A
0259417368 Yes XXXXXX XXXXXX A A A A A A
0411974818 Yes XXXXXX XXXXXX A A A A A A
0457479020 Yes XXXXXX XXXXXX A A A A A A
0241121602 Yes XXXXXX XXXXXX A A A A A A
0483735375 Yes XXXXXX XXXXXX D A D A A A
0296356249 Yes XXXXXX XXXXXX C B A A A A
0638012082 Yes XXXXXX XXXXXX A A A A A A
0678678413 Yes XXXXXX XXXXXX A A A A A A
0543810165 Yes XXXXXX XXXXXX D A A A A A
0542874819 Yes XXXXXX XXXXXX A A A A A A
0156781550 Yes XXXXXX XXXXXX A A A A A A
0246391501 Yes XXXXXX XXXXXX D B B B A A
0578129438 Yes XXXXXX XXXXXX A A A A A A
0228816176 Yes XXXXXX XXXXXX C A A A C A
0062146444 Yes XXXXXX XXXXXX D B B B C A
0140285578 Yes XXXXXX XXXXXX C A A A A A
0400335687 Yes XXXXXX XXXXXX A A A A A A
0935418209 Yes XXXXXX XXXXXX D A D A A A
0788298237 Yes XXXXXX XXXXXX A A A A A A
0979071454 Yes XXXXXX XXXXXX C A A A A A
0194176130 Yes XXXXXX XXXXXX A A A A A A
0984676984 Yes XXXXXX XXXXXX A A A A A A
0757541466 Yes XXXXXX XXXXXX A A A A A A
0045246453 Yes XXXXXX XXXXXX A A A A A A
0770245381 Yes XXXXXX XXXXXX A A A A A A
0681612097 Yes XXXXXX XXXXXX D B B B A A
0639044846 Yes XXXXXX XXXXXX A A A A A A
0549627563 Yes XXXXXX XXXXXX D A A A A A
0993061564 Yes XXXXXX XXXXXX A A A A A A
0309246636 Yes XXXXXX XXXXXX C A A A A A
0091931913 Yes XXXXXX XXXXXX C B A A A A
0735993360 Yes XXXXXX XXXXXX D B B B C A
0479438120 Yes XXXXXX XXXXXX A A A A A A
0535802940 Yes XXXXXX XXXXXX A A A A A A
0150978513 Yes XXXXXX XXXXXX D B B B A A
0452203312 Yes XXXXXX XXXXXX D A D A A A
0253477570 Yes XXXXXX XXXXXX C A A A A A
0118109664 Yes XXXXXX XXXXXX A A A A A A
0014449205 Yes XXXXXX XXXXXX A A A A A A
0520115742 Yes XXXXXX XXXXXX A A A A A A

 

Alt Loan Number 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
0058093967 B B C B C B A A B B
0460266286 D A D B B B A A D A
0345524951 D A D B D B A A D A
0905082850 D A D B D B B A D A
0766781850 D A D B C B B A D A
0716875694 D A D B D B A A D A
0937384502 D B D B D A A A D B
0478365775 D B D B D B A A D B
0844239670 D A D B D B A A D A
0720118077 D B D B D B A A D B
0215673379 B B C B C B C A B B
0813172404 D A D B B B C A D A
0331144799 D B D B D B A A D B
0103440112 D A D B D B A A D A
0066248376 D A D B B B A A D A
0845772901 D B D B D B A A D B
0917509116 D B D B D B C B D B
0808516003 D A D B D B B A D A
0681714584 B A D B D B A A B A
0564024477 D A D B D B A A D A
0634340581 B B D B D A A A B B
0876017365 B A C B C B A A B A
0261449590 D A D B B B A A D A
0390206785 D B D B D B A A D B
0675741198 D B D B D B A A D B
0279313615 D B D B D B A A D B
0754880233 D B D B B B A A D B
0733283060 D A D B B B B A D A
0830874307 D B D B B B A A D B
0603856189 D A D B B B A A D A
0733482960 D A D C C C A A D A
0305768815 D A D B D B A A D A
0193295640 D B D B B B A A D B
0912035228 D B D B D B A A D B
0588980730 C A C B C B A A C A
0222821814 D A D B B B D A D A
0187716302 D A D B B B A A D A
0134859397 D B D B B B A A D B
0096927963 D B D B B A A A D B
0984351889 D A D B D B A A D A
0352386445 D A D B B B A A D A
0336019690 D B D B D A A A D B
0864823692 D A D B D B A A D A
0496353559 D A D B C B C B D A
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