EX-99.5 6 tm217711d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-1
Start - End Dates: 8.2020 - 12.2020
Deal Loan Count: 404
         
Conditions Report 2.0
         
Loans in Report: 404
Loans with Conditions: 325

 

24 - Total Active Conditions
  24 - Non-Material Conditions
      19 - Credit Review Scope
        1 - Category: Assets
        5 - Category: Credit/Mtg History
        1 - Category: Income/Employment
        12 - Category: Terms/Guidelines
      2 - Property Valuations Review Scope
        1 - Category: Appraisal
        1 - Category: FEMA
      3 - Compliance Review Scope
        1 - Category: Compliance Manual
        1 - Category: RESPA
        1 - Category: Right of Rescission 
410 - Total Satisfied Conditions
             
      22 - Credit Review Scope
        1 - Category: Ability to Repay/Qualified Mortgage
        2 - Category: Application
        5 - Category: Assets
        1 - Category: Credit/Mtg History
        2 - Category: DTI
        5 - Category: Income/Employment
        2 - Category: Insurance
        2 - Category: Legal Documents
        1 - Category: LTV/CLTV
        1 - Category: Title
      69 - Property Valuations Review Scope
        1 - Category: Appraisal
        67 - Category: FEMA
        1 - Category: Value
      319 - Compliance Review Scope
        3 - Category: Ability to Repay/Qualified Mortgage
        2 - Category: Finance Charge Tolerance
        7 - Category: Right of Rescission 
        1 - Category: State Consumer Protection
        306 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

 

 

©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 

 

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-1
Start - End Dates: 8.2020 - 12.2020
Deal Loan Count: 404
   
       
Conditions Report 2.0
       
Loans in Report: 404
Loans with Conditions: 325

 

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
0108667074 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0663111754 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0508640368 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0508640368 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0531111736 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0865993508 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0874113761 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0949529794 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0559571963 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0793320563 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A
0793320563 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A
0638695792 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0240643838 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0322000158 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0322000158 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0035392109 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0871708592 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0052563378 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0717655250 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0157615989 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0157615989 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0157615989 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0157615989 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0341769682 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0523917325 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0725258392 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A
0848192613 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0696275262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A B A
0696275262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B A B A
0716594672 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0240361118 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0497572825 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0010223216 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0241257219 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0502181836 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0036901355 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0398270338 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B A A
0398270338 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B A A
0783431435 XXXXXX RI QM: Safe Harbor QM: Safe Harbor D A A A
0783431435 XXXXXX RI QM: Safe Harbor QM: Safe Harbor D A A A
0388416748 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0409144310 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0444954680 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0360471430 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0360471430 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0055419740 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0566829310 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0566829310 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0918501594 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0918501594 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0758960867 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0693472943 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0814327807 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0829909146 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A
0829909146 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A
0971658429 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0616706387 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0135143277 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0180822012 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0180822012 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0180822012 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0881116154 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0484729634 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0675958762 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0675958762 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0881967675 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0019446188 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0917721106 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A
0881254570 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0445113582 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A
0929860760 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C B C A
0929860760 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C B C A
0929860760 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C B C A
0876121680 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0328395532 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A A A
0328395532 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A A A
0328395532 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A A A
0826624297 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0000874602 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0334429155 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0797253156 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0950349243 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0810490042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0807034540 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0654083385 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0861011284 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0610250280 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0610250280 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0115955504 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0697853204 XXXXXX DE QM: Safe Harbor QM: Safe Harbor A A A A
0980985167 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C B A A
0522218142 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0119562006 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0110859175 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0918566228 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0367007735 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0073489475 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0272445128 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0603365057 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0251112157 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0763457022 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0763457022 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0865286925 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0865286925 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0343345563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0315013875 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A
0198124260 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0127771182 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0160723259 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A
0160723259 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A
0299263278 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0401227740 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0218103219 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0155969028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A
0155969028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A
0255344613 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0652510221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0652510221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0973511372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0951628822 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0114264576 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0940581305 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A
0205571644 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0498944459 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B B B
0498944459 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B B B
0707533834 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0498164247 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0401600212 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0594075285 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0594075285 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0587716271 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0994133062 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0454675948 XXXXXX TN QM: Safe Harbor QM: Safe Harbor A A A A
0599310963 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0559878991 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0127638590 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0653657653 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0546417664 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0546417664 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0509870218 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0745768754 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0745768754 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0745768754 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0415695316 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0322451755 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0866205783 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0267146795 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0271652852 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0998165035 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0536883221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0985476994 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0203877868 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0358217181 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0336476195 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0304571261 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0304571261 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0653636459 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0090301796 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0423784549 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0890823797 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0833337206 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0824826528 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0216149541 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0953358945 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0015164909 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0015164909 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0928543093 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D B D B
0928543093 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D B D B
0928543093 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D B D B
0240968704 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D A D A
0240968704 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D A D A
0240968704 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D A D A
0225800508 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0859618238 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A
0967105438 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0868414709 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0817119590 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0476500505 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0494015309 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0494015309 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0578085079 XXXXXX NH QM: Safe Harbor QM: Safe Harbor A A A A
0638548768 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0294533209 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0458119244 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0458119244 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0615086693 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0816058588 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0704632711 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0679120359 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0182328036 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0210509784 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0913696575 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0857176046 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0857176046 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0942895741 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0048624722 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0048624722 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0277208129 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0424249906 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0757925452 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0889856601 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0889856601 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0405737091 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0635712206 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0347013010 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0696525966 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0696525966 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0786649658 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0786649658 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0840420060 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0798748727 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0477959919 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0028342335 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0283538504 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0515861615 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0153965597 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A
0153965597 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A
0462218083 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0950114141 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0121094001 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0121094001 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0521063742 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0521063742 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0294003317 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0998854954 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0220362917 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0724799875 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A
0513213102 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0513718560 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0668504021 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0774389125 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0969917984 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0067233363 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0878337307 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0561756497 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0642309332 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0115538976 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0064839384 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0860566688 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0103870378 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0207917208 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0207917208 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0611465074 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0185840551 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0496345139 XXXXXX WI QM: Safe Harbor QM: Safe Harbor D A C A
0496345139 XXXXXX WI QM: Safe Harbor QM: Safe Harbor D A C A
0496345139 XXXXXX WI QM: Safe Harbor QM: Safe Harbor D A C A
0496345139 XXXXXX WI QM: Safe Harbor QM: Safe Harbor D A C A
0327850429 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0017284885 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0931693778 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0931693778 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0995206598 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0482718964 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0541795107 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0357108783 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0633346882 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0063546990 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D A C A
0063546990 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D A C A
0063546990 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D A C A
0063546990 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D A C A
0650001406 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0491384475 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0491384475 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0469315665 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0484329354 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0551755300 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0567702570 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0992528104 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0454851797 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0770864774 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0770864774 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0108926130 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0108926130 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0336784005 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0240103832 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0361931454 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0796963421 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0553335943 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0457447762 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0693260565 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0135587452 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0092104266 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0111569734 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0588864400 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0588864400 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0588864400 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0329534893 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0079351270 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0125269413 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0682530958 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0790045144 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0356437285 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0356437285 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0389105477 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0389105477 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0549719371 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0890013613 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0282207141 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0180898808 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0872965868 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0843780776 XXXXXX NM QM: Safe Harbor QM: Safe Harbor A A A A
0148086109 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
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Alt Loan Number Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade
0108667074 A A A A A A A A
0663111754 A A A A A A A A
0508640368 C A A A C A A A
0508640368 C A A A C A A A
0531111736 A A A A A A A A
0865993508 A A A A B B B B
0874113761 A A A A A A A A
0949529794 A A A A A A A A
0559571963 A A A A A A A A
0793320563 A A D B D B A A
0793320563 A A D B D B A A
0638695792 A A A A A A A A
0240643838 A A A A A A A A
0322000158 A A A A B B B B
0322000158 A A A A B B B B
0035392109 A A A A A A A A
0871708592 A A A A A A A A
0052563378 A A A A A A A A
0717655250 A A A A A A A A
0157615989 C A A A C B B B
0157615989 C A A A C B B B
0157615989 C A A A C B B B
0157615989 C A A A C B B B
0341769682 A A A A A A A A
0523917325 A A A A A A A A
0725258392 B B A A B B A A
0848192613 A A A A A A A A
0696275262 A A A A B A B A
0696275262 A A A A B A B A
0716594672 A A A A A A A A
0240361118 A A A A A A A A
0497572825 A A A A A A A A
0010223216 A A A A A A A A
0241257219 A A A A A A A A
0502181836 A A A A A A A A
0036901355 A A A A A A A A
0398270338 A A C B C B A A
0398270338 A A C B C B A A
0783431435 A A D A D A A A
0783431435 A A D A D A A A
0388416748 A A A A A A A A
0409144310 A A A A A A A A
0444954680 A A A A A A A A
0360471430 A A A A A A A A
0360471430 A A A A A A A A
0055419740 A A A A A A A A
0566829310 A A A A A A A A
0566829310 A A A A A A A A
0918501594 A A A A A A A A
0918501594 A A A A A A A A
0758960867 A A A A A A A A
0693472943 A A A A A A A A
0814327807 A A A A A A A A
0829909146 A A C B C B A A
0829909146 A A C B C B A A
0971658429 A A A A A A A A
0616706387 A A A A A A A A
0135143277 A A A A A A A A
0180822012 C A A A C B B B
0180822012 C A A A C B B B
0180822012 C A A A C B B B
0881116154 A A A A A A A A
0484729634 A A A A A A A A
0675958762 A A A A B B B B
0675958762 A A A A B B B B
0881967675 A A A A A A A A
0019446188 A A A A A A A A
0917721106 A A A A A A A A
0881254570 A A A A A A A A
0445113582 A A A A A A A A
0929860760 A A C B C B C A
0929860760 A A C B C B C A
0929860760 A A C B C B C A
0876121680 A A A A A A A A
0328395532 A A C A C A A A
0328395532 A A C A C A A A
0328395532 A A C A C A A A
0826624297 A A A A A A A A
0000874602 C A A A C A A A
0334429155 A A A A A A A A
0797253156 A A A A A A A A
0950349243 A A A A A A A A
0810490042 A A A A A A A A
0807034540 A A A A A A A A
0654083385 A A A A A A A A
0861011284 A A A A A A A A
0610250280 C A A A C A A A
0610250280 C A A A C A A A
0115955504 A A A A A A A A
0697853204 A A A A A A A A
0980985167 A A C B C B A A
0522218142 A A A A A A A A
0119562006 A A A A A A A A
0110859175 A A A A A A A A
0918566228 A A A A A A A A
0367007735 A A A A A A A A
0073489475 A A A A A A A A
0272445128 A A A A A A A A
0603365057 A A A A A A A A
0251112157 A A A A A A A A
0763457022 A A A A A A A A
0763457022 A A A A A A A A
0865286925 A A A A A A A A
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0343345563 A A A A A A A A
0315013875 A A A A A A A A
0198124260 A A A A A A A A
0127771182 A A A A A A A A
0160723259 A A B B B B A A
0160723259 A A B B B B A A
0299263278 A A C B C B A A
0401227740 A A A A A A A A
0218103219 A A A A A A A A
0155969028 A A D A D A A A
0155969028 A A D A D A A A
0255344613 A A A A A A A A
0652510221 A A A A A A A A
0652510221 A A A A A A A A
0973511372 A A A A A A A A
0951628822 C A A A C A A A
0114264576 A A A A A A A A
0940581305 A A A A A A A A
0205571644 A A A A A A A A
0498944459 A A A A B B B B
0498944459 A A A A B B B B
0707533834 A A A A A A A A
0498164247 A A A A A A A A
0401600212 A A A A A A A A
0594075285 C A A A C A A A
0594075285 C A A A C A A A
0587716271 A A A A A A A A
0994133062 A A A A A A A A
0454675948 A A A A A A A A
0599310963 A A A A A A A A
0559878991 A A A A A A A A
0127638590 A A A A A A A A
0653657653 A A A A A A A A
0546417664 A A B B B B A A
0546417664 A A B B B B A A
0509870218 A A A A A A A A
0745768754 C A A A D A D A
0745768754 C A A A D A D A
0745768754 C A A A D A D A
0415695316 A A A A A A A A
0322451755 A A A A A A A A
0866205783 A A A A A A A A
0267146795 A A A A A A A A
0271652852 A A A A A A A A
0998165035 A A A A A A A A
0536883221 A A A A A A A A
0985476994 A A A A A A A A
0203877868 A A A A A A A A
0358217181 A A A A A A A A
0336476195 A A A A A A A A
0304571261 A A A A A A A A
0304571261 A A A A A A A A
0653636459 A A A A A A A A
0090301796 A A A A A A A A
0423784549 A A A A A A A A
0890823797 A A A A A A A A
0833337206 A A A A A A A A
0824826528 A A A A A A A A
0216149541 A A A A A A A A
0953358945 A A C B C B A A
0015164909 C A A A C A A A
0015164909 C A A A C A A A
0928543093 A A A A D B D B
0928543093 A A A A D B D B
0928543093 A A A A D B D B
0240968704 A A C A D A D A
0240968704 A A C A D A D A
0240968704 A A C A D A D A
0225800508 A A A A A A A A
0859618238 A A A A A A A A
0967105438 A A A A A A A A
0868414709 A A A A A A A A
0817119590 A A A A A A A A
0476500505 A A A A A A A A
0494015309 C A A A C A A A
0494015309 C A A A C A A A
0578085079 A A A A A A A A
0638548768 A A A A A A A A
0294533209 A A A A A A A A
0458119244 A A A A B B B B
0458119244 A A A A B B B B
0615086693 A A A A A A A A
0816058588 A A A A A A A A
0704632711 A A A A A A A A
0679120359 A A A A A A A A
0182328036 A A A A A A A A
0210509784 A A A A A A A A
0913696575 A A A A A A A A
0857176046 C A A A C A A A
0857176046 C A A A C A A A
0942895741 A A A A A A A A
0048624722 C A A A C A A A
0048624722 C A A A C A A A
0277208129 A A A A A A A A
0424249906 A A A A A A A A
0757925452 A A A A A A A A
0889856601 C A A A C A A A
0889856601 C A A A C A A A
0405737091 A A A A B B B B
0635712206 C A A A C A A A
0347013010 A A A A A A A A
0696525966 C A A A C A A A
0696525966 C A A A C A A A
0786649658 C A A A C A A A
0786649658 C A A A C A A A
0840420060 A A A A A A A A
0798748727 A A A A A A A A
0477959919 C A A A C A A A
0028342335 A A A A A A A A
0283538504 A A A A A A A A
0515861615 A A A A A A A A
0153965597 A A C B D B D A
0153965597 A A C B D B D A
0462218083 A A A A A A A A
0950114141 A A A A A A A A
0121094001 C A A A C A A A
0121094001 C A A A C A A A
0521063742 C A A A C A A A
0521063742 C A A A C A A A
0294003317 A A A A A A A A
0998854954 A A A A A A A A
0220362917 A A A A A A A A
0724799875 A A A A A A A A
0513213102 A A A A A A A A
0513718560 A A A A A A A A
0668504021 A A A A A A A A
0774389125 A A A A A A A A
0969917984 A A A A A A A A
0067233363 A A A A A A A A
0878337307 A A A A A A A A
0561756497 A A A A A A A A
0642309332 A A A A A A A A
0115538976 A A A A A A A A
0064839384 A A A A A A A A
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0207917208 C A A A C A A A
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0611465074 C A A A C A A A
0185840551 A A A A A A A A
0496345139 A A D A D A C A
0496345139 A A D A D A C A
0496345139 A A D A D A C A
0496345139 A A D A D A C A
0327850429 A A A A A A A A
0017284885 A A A A A A A A
0931693778 C A A A C A A A
0931693778 C A A A C A A A
0995206598 A A A A A A A A
0482718964 A A A A A A A A
0541795107 A A A A A A A A
0357108783 A A A A A A A A
0633346882 A A A A A A A A
0063546990 A A D A D A C A
0063546990 A A D A D A C A
0063546990 A A D A D A C A
0063546990 A A D A D A C A
0650001406 A A A A A A A A
0491384475 C A A A C A A A
0491384475 C A A A C A A A
0469315665 A A A A A A A A
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0551755300 A A A A A A A A
0567702570 A A A A A A A A
0992528104 A A A A A A A A
0454851797 A A A A A A A A
0770864774 C A A A C A A A
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0108926130 A A A A A A A A
0108926130 A A A A A A A A
0336784005 A A A A A A A A
0240103832 A A A A A A A A
0361931454 A A A A A A A A
0796963421 A A A A A A A A
0553335943 A A A A A A A A
0457447762 A A A A A A A A
0693260565 A A A A A A A A
0135587452 C A A A C A A A
0092104266 A A B B B B A A
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0588864400 C A A A C B B B
0588864400 C A A A C B B B
0329534893 A A A A A A A A
0079351270 C A A A C A A A
0125269413 A A A A A A A A
0682530958 A A A A A A A A
0790045144 A A A A A A A A
0356437285 A A A A A A A A
0356437285 A A A A A A A A
0389105477 C A A A C A A A
0389105477 C A A A C A A A
0549719371 A A A A A A A A
0890013613 A A A A A A A A
0282207141 A A A A A A A A
0180898808 A A A A A A A A
0872965868 A A A A A A A A
0843780776 A A A A A A A A
0148086109 A A A A A A A A
0878848656 C A A A C A A A
0878848656 C A A A C A A A
0802211406 C A A A C A A A
0802211406 C A A A C A A A
0698008705 A A A A A A A A
0007194881 A A A A A A A A
0179228955 A A A A A A A A
0571384087 A A A A A A A A
0431125590 A A A A D A D A
0431125590 A A A A D A D A
0707587339 A A A A A A A A
0959853961 A A A A A A A A
0740414867 C A A A C A A A
0740414867 C A A A C A A A
0461929860 C A A A C A A A
0461929860 C A A A C A A A
0625352697 A A A A A A A A
0375155506 A A A A A A A A
0681286102 C A A A C A A A
0871967407 A A A A A A A A
0466731959 A A A A A A A A
0702030408 C A A A C A A A
0702030408 C A A A C A A A
0937329055 A A A A A A A A
0014665335 A A A A A A A A
0641789900 A A A A A A A A
0685380940 C A A A C A A A
0685380940 C A A A C A A A
0126721396 C A A A C A A A
0126721396 C A A A C A A A
0612751179 C A A A C A A A
0758206539 A A A A A A A A
0377851782 A A A A A A A A
0471424828 C A A A C A A A
0471424828 C A A A C A A A
0709682102 A A A A A A A A
0550573113 A A A A A A A A
0089588972 A A A A B B B B
0089588972 A A A A B B B B
0089588972 A A A A B B B B
0329231416 C A A A C A A A
0329231416 C A A A C A A A
0167677895 C A A A C A A A
0167677895 C A A A C A A A
0424397715 A A A A A A A A
0106666472 A A A A A A A A
0684783929 A A A A A A A A
0581140909 A A A A A A A A
0426796867 A A A A A A A A
0313177630 A A A A A A A A
0161149574 A A A A A A A A
0323770510 A A A A A A A A
0011620504 A A A A D A D A
0065512158 A A A A A A A A
0847938121 A A A A D B D B
0847938121 A A A A D B D B
0847938121 A A A A D B D B
0934756940 A A A A A A A A
0754354325 C A A A C A A A
0754354325 C A A A C A A A
0814621234 A A A A A A A A
0207388456 A A A A A A A A
0399139623 A A A A A A A A
0524549904 A A A A A A A A
0367208436 A A A A A A A A
0654636177 A A A A A A A A
0667820348 A A A A A A A A
0799077256 A A A A A A A A
0699764711 A A A A A A A A
0489792248 C A A A C A A A
0661592427 A A A A B B B B
0661592427 A A A A B B B B
0990956930 A A A A A A A A
0701510973 A A A A A A A A
0542490622 A A A A A A A A
0298662993 A A A A A A A A
0678631671 A A A A A A A A
0303228682 A A A A A A A A
0969452800 A A A A A A A A
0435642713 A A A A A A A A
0951112238 A A A A B B B B
0394461457 A A A A A A A A
0610037072 A A A A A A A A
0301141698 A A A A B B B B
0431986178 A A A A A A A A
0431986178 A A A A A A A A
0475886340 A A A A A A A A
0093259823 C A A A C A A A
0560238659 A A A A C A C A
0560238659 A A A A C A C A
0530249070 A A A A A A A A
0691180213 A A A A A A A A
0354058155 A A A A A A A A
0593413797 A A A A A A A A
0796535686 A A A A A A A A
0952389631 A A A A A A A A
0222855349 A A A A A A A A
0651030603 C A A A C A A A
0492892232 A A A A A A A A
0644792561 A A A A A A A A
0005855354 A A A A A A A A
0083431819 A A A A A A A A
0295758151 A A A A A A A A
0459260952 A A A A A A A A
0964231553 A A A A A A A A
0235323884 A A A A A A A A
0695421721 A A A A A A A A
0699664677 A A A A A A A A
0572166970 A A A A A A A A
0379091873 A A A A A A A A
0867270331 A A A A A A A A
0041273965 A A C B C B A A
0041273965 A A C B C B A A
0670265197 C A A A C A A A
0198017039 C A C B C B C A
0198017039 C A C B C B C A
0198017039 C A C B C B C A
0417628515 A A A A A A A A
0728948526 A A A A A A A A
0333488077 A A A A D A D A
0455902449 A A A A A A A A
0084821346 A A A A A A A A
0476344837 B B A A B B A A
0649206715 A A A A A A A A
0610011785 A A C B C B A A
0082613650 A A A A A A A A
0753691745 A A A A A A A A
0742748896 A A A A A A A A
0325025284 A A A A A A A A
0015089835 A A A A A A A A
0991493526 C A A A C A A A
0991493526 C A A A C A A A
0626110868 A A A A A A A A
0800824397 A A A A A A A A
0208254621 A A A A A A A A
0772537171 A A A A C A C A
0772537171 A A A A C A C A
0238789990 C A A A C A A A
0894592066 A A A A A A A A
0442569352 A A A A A A A A
0112373829 A A A A A A A A
0131105577 C A A A C A A A
0131105577 C A A A C A A A
0126141213 A A A A A A A A
0847828801 A A A A A A A A
0571560931 C A A A C A A A
0571560931 C A A A C A A A
0207640450 C A A A C A A A
0025078468 C A A A C B B B
0025078468 C A A A C B B B
0025078468 C A A A C B B B
0025078468 C A A A C B B B
0584283672 C A A A C A A A
0283455109 A A A A A A A A
0677453701 C A A A C A A A
0687205416 C A A A C A A A
0687205416 C A A A C A A A
0534745580 A A A A A A A A
0545234837 A A A A A A A A
0841016345 A A A A A A A A
0086271256 C A A A D A D A
0086271256 C A A A D A D A
0086271256 C A A A D A D A
0401673078 C A A A C A A A
0401673078 C A A A C A A A
0851261852 A A A A B B B B
0863693678 C A A A C A A A
0863693678 C A A A C A A A
0901190355 C A A A C A A A
0901190355 C A A A C A A A
0474998423 A A A A A A A A
0989735360 A A A A A A A A
0053049074 A A A A A A A A
0120042142 C A A A C A A A
0120042142 C A A A C A A A
0459155422 A A A A A A A A
0737998363 A A A A A A A A
0550790086 C A A A C A A A
0550790086 C A A A C A A A
0909092405 C A A A C A A A
0909092405 C A A A C A A A
0774797559 A A A A A A A A
0792092840 A A A A A A A A
0975924570 C A A A C A A A
0306625747 A A A A A A A A
0477561117 A A A A A A A A
0072172385 C A A A C A A A
0072172385 C A A A C A A A
0465592008 C A A A C A B A
0465592008 C A A A C A B A
0465592008 C A A A C A B A
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0573565278 A A A A A A A A
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0599326192 A A C A C A A A
0896950285 C A A A C A A A
0896950285 C A A A C A A A
0376596649 A A A A D A D A
0204736277 A A A A A A A A
0410386993 C A A A C A A A
0083642026 C A A A C A A A
0762878730 C A A A C A A A
0762878730 C A A A C A A A
0149924642 A A A A A A A A
0374100642 A A A A D B D B
0374100642 A A A A D B D B
0374100642 A A A A D B D B
0374100642 A A A A D B D B
0207627120 A A A A A A A A

 

Alt Loan Number Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status
0108667074 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0663111754 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0508640368 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0508640368 C A A A Property Valuations FEMA Satisfied
0531111736 A A A A      
0865993508 A A A A Credit Terms/Guidelines Active
0874113761 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0949529794 A A A A      
0559571963 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0793320563 A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0793320563 A A D B Compliance Right of Rescission  Active
0638695792 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0240643838 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0322000158 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0322000158 A A A A Credit Credit/Mtg History Active
0035392109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0871708592 A A A A      
0052563378 A A A A      
0717655250 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0157615989 C B A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0157615989 C B A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0157615989 C B A A Credit Credit/Mtg History Active
0157615989 C B A A Property Valuations Value Satisfied
0341769682 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0523917325 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0725258392 B B A A Property Valuations FEMA Active
0848192613 A A A A      
0696275262 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0696275262 A A A A Credit Credit/Mtg History Satisfied
0716594672 A A A A      
0240361118 A A A A      
0497572825 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0010223216 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0241257219 A A A A      
0502181836 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0036901355 A A A A      
0398270338 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0398270338 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0783431435 A A D A Compliance State Consumer Protection Satisfied
0783431435 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0388416748 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0409144310 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0444954680 A A A A      
0360471430 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0360471430 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0055419740 A A A A      
0566829310 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0566829310 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0918501594 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0918501594 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0758960867 A A A A      
0693472943 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0814327807 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0829909146 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0829909146 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0971658429 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0616706387 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0135143277 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0180822012 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0180822012 C A A A Credit Income/Employment Active
0180822012 C A A A Property Valuations FEMA Satisfied
0881116154 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0484729634 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0675958762 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0675958762 A A A A Credit Credit/Mtg History Active
0881967675 A A A A      
0019446188 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0917721106 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0881254570 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0445113582 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0929860760 A A C B Compliance Right of Rescission  Satisfied
0929860760 A A C B Compliance Right of Rescission  Satisfied
0929860760 A A C B Credit LTV/CLTV Satisfied
0876121680 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0328395532 A A C A Compliance Finance Charge Tolerance Satisfied
0328395532 A A C A Compliance Finance Charge Tolerance Satisfied
0328395532 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0826624297 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0000874602 C A A A Property Valuations FEMA Satisfied
0334429155 A A A A      
0797253156 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0950349243 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0810490042 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0807034540 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0654083385 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0861011284 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0610250280 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0610250280 C A A A Property Valuations FEMA Satisfied
0115955504 A A A A      
0697853204 A A A A      
0980985167 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0522218142 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0119562006 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0110859175 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0918566228 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0367007735 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0073489475 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0272445128 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0603365057 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0251112157 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0763457022 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0763457022 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0865286925 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0865286925 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0343345563 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0315013875 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0198124260 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0127771182 A A A A      
0160723259 A A B B Compliance RESPA Active
0160723259 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0299263278 A A C B Compliance Right of Rescission  Satisfied
0401227740 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0218103219 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0155969028 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0155969028 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0255344613 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0652510221 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0652510221 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0973511372 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0951628822 C A A A Property Valuations FEMA Satisfied
0114264576 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0940581305 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0205571644 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0498944459 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0498944459 A A A A Credit Terms/Guidelines Active
0707533834 A A A A      
0498164247 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0401600212 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0594075285 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0594075285 C A A A Property Valuations FEMA Satisfied
0587716271 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0994133062 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0454675948 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0599310963 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0559878991 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0127638590 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0653657653 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0546417664 A A B B Compliance Compliance Manual Active
0546417664 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0509870218 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0745768754 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0745768754 C A A A Credit Application Satisfied
0745768754 C A A A Property Valuations FEMA Satisfied
0415695316 A A A A      
0322451755 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0866205783 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0267146795 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0271652852 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0998165035 A A A A      
0536883221 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0985476994 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0203877868 A A A A      
0358217181 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0336476195 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0304571261 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0304571261 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0653636459 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0090301796 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0423784549 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0890823797 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0833337206 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0824826528 A A A A      
0216149541 A A A A      
0953358945 A A C B Compliance Right of Rescission  Satisfied
0015164909 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0015164909 C A A A Property Valuations FEMA Satisfied
0928543093 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0928543093 A A A A Credit Insurance Satisfied
0928543093 A A A A Credit Terms/Guidelines Active
0240968704 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0240968704 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0240968704 A A C A Credit Assets Satisfied
0225800508 A A A A      
0859618238 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0967105438 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0868414709 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0817119590 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0476500505 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0494015309 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0494015309 C A A A Property Valuations FEMA Satisfied
0578085079 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0638548768 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0294533209 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0458119244 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0458119244 A A A A Credit Assets Active
0615086693 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0816058588 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0704632711 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0679120359 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0182328036 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0210509784 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0913696575 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0857176046 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0857176046 C A A A Property Valuations FEMA Satisfied
0942895741 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0048624722 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0048624722 C A A A Property Valuations FEMA Satisfied
0277208129 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0424249906 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0757925452 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0889856601 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0889856601 C A A A Property Valuations FEMA Satisfied
0405737091 A A A A Credit Terms/Guidelines Active
0635712206 C A A A Property Valuations FEMA Satisfied
0347013010 A A A A      
0696525966 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0696525966 C A A A Property Valuations FEMA Satisfied
0786649658 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0786649658 C A A A Property Valuations FEMA Satisfied
0840420060 A A A A      
0798748727 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0477959919 C A A A Property Valuations Appraisal Satisfied
0028342335 A A A A      
0283538504 A A A A      
0515861615 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0153965597 A A C B Compliance Right of Rescission  Satisfied
0153965597 A A C B Credit Insurance Satisfied
0462218083 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0950114141 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0121094001 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0121094001 C A A A Property Valuations FEMA Satisfied
0521063742 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0521063742 C A A A Property Valuations FEMA Satisfied
0294003317 A A A A      
0998854954 A A A A      
0220362917 A A A A      
0724799875 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0513213102 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0513718560 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0668504021 A A A A      
0774389125 A A A A      
0969917984 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0067233363 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0878337307 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0561756497 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0642309332 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0115538976 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0064839384 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0860566688 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0103870378 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0207917208 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0207917208 C A A A Property Valuations FEMA Satisfied
0611465074 C A A A Property Valuations FEMA Satisfied
0185840551 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0496345139 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0496345139 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0496345139 A A D A Credit Ability to Repay/Qualified Mortgage Satisfied
0496345139 A A D A Credit DTI Satisfied
0327850429 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0017284885 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0931693778 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0931693778 C A A A Property Valuations FEMA Satisfied
0995206598 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0482718964 A A A A      
0541795107 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0357108783 A A A A      
0633346882 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0063546990 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0063546990 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0063546990 A A D A Credit Income/Employment Satisfied
0063546990 A A D A Credit Title Satisfied
0650001406 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0491384475 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0491384475 C A A A Property Valuations FEMA Satisfied
0469315665 A A A A      
0484329354 A A A A      
0551755300 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0567702570 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0992528104 A A A A      
0454851797 A A A A      
0770864774 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0770864774 C A A A Property Valuations FEMA Satisfied
0108926130 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0108926130 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0336784005 A A A A      
0240103832 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0361931454 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0796963421 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0553335943 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0457447762 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0693260565 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0135587452 C A A A Property Valuations FEMA Satisfied
0092104266 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0111569734 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0588864400 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0588864400 C A A A Credit Terms/Guidelines Active
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0329534893 A A A A      
0079351270 C A A A Property Valuations FEMA Satisfied
0125269413 A A A A      
0682530958 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0790045144 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0356437285 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0356437285 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0389105477 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0389105477 C A A A Property Valuations FEMA Satisfied
0549719371 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0890013613 A A A A      
0282207141 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0180898808 A A A A      
0872965868 A A A A      
0843780776 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0148086109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0878848656 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0878848656 C A A A Property Valuations FEMA Satisfied
0802211406 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0802211406 C A A A Property Valuations FEMA Satisfied
0698008705 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0007194881 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0179228955 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0571384087 A A A A      
0431125590 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0431125590 A A A A Credit Income/Employment Satisfied
0707587339 A A A A      
0959853961 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0740414867 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0740414867 C A A A Property Valuations FEMA Satisfied
0461929860 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0461929860 C A A A Property Valuations FEMA Satisfied
0625352697 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0375155506 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0681286102 C A A A Property Valuations FEMA Satisfied
0871967407 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0466731959 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0702030408 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0702030408 C A A A Property Valuations FEMA Satisfied
0937329055 A A A A      
0014665335 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0641789900 A A A A      
0685380940 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0685380940 C A A A Property Valuations FEMA Satisfied
0126721396 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0126721396 C A A A Property Valuations FEMA Satisfied
0612751179 C A A A Property Valuations FEMA Satisfied
0758206539 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0377851782 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0471424828 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0471424828 C A A A Property Valuations FEMA Satisfied
0709682102 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0550573113 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0089588972 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0089588972 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0089588972 A A A A Credit Terms/Guidelines Active
0329231416 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0329231416 C A A A Property Valuations FEMA Satisfied
0167677895 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0167677895 C A A A Property Valuations FEMA Satisfied
0424397715 A A A A      
0106666472 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0684783929 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0581140909 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0426796867 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0313177630 A A A A      
0161149574 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0323770510 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0011620504 A A A A Credit Income/Employment Satisfied
0065512158 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0847938121 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
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0934756940 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0754354325 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0754354325 C A A A Property Valuations FEMA Satisfied
0814621234 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0207388456 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0399139623 A A A A      
0524549904 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0367208436 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0654636177 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0667820348 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0799077256 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0699764711 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0489792248 C A A A Property Valuations FEMA Satisfied
0661592427 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0661592427 A A A A Credit Terms/Guidelines Active
0990956930 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0701510973 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0542490622 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0298662993 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0678631671 A A A A      
0303228682 A A A A      
0969452800 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0435642713 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0951112238 A A A A Credit Terms/Guidelines Active
0394461457 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0610037072 A A A A      
0301141698 A A A A Credit Terms/Guidelines Active
0431986178 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0431986178 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0475886340 A A A A      
0093259823 C A A A Property Valuations FEMA Satisfied
0560238659 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0560238659 A A A A Credit Assets Satisfied
0530249070 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0691180213 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0354058155 A A A A      
0593413797 A A A A      
0796535686 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0952389631 A A A A      
0222855349 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0651030603 C A A A Property Valuations FEMA Satisfied
0492892232 A A A A      
0644792561 A A A A      
0005855354 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0083431819 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0295758151 A A A A      
0459260952 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0964231553 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0235323884 A A A A      
0695421721 A A A A      
0699664677 A A A A      
0572166970 A A A A      
0379091873 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0867270331 A A A A      
0041273965 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0041273965 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0670265197 C A A A Property Valuations FEMA Satisfied
0198017039 C A C B Compliance Right of Rescission  Satisfied
0198017039 C A C B Credit Assets Satisfied
0198017039 C A C B Property Valuations FEMA Satisfied
0417628515 A A A A      
0728948526 A A A A      
0333488077 A A A A Credit Legal Documents Satisfied
0455902449 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0084821346 A A A A      
0476344837 B B A A Property Valuations Appraisal Active
0649206715 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0610011785 A A C B Compliance Right of Rescission  Satisfied
0082613650 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0753691745 A A A A      
0742748896 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0325025284 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0015089835 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0991493526 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0991493526 C A A A Property Valuations FEMA Satisfied
0626110868 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0800824397 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0208254621 A A A A      
0772537171 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0772537171 A A A A Credit Income/Employment Satisfied
0238789990 C A A A Property Valuations FEMA Satisfied
0894592066 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0442569352 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0112373829 A A A A      
0131105577 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0131105577 C A A A Property Valuations FEMA Satisfied
0126141213 A A A A      
0847828801 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0571560931 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0571560931 C A A A Property Valuations FEMA Satisfied
0207640450 C A A A Property Valuations FEMA Satisfied
0025078468 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0025078468 C A A A Credit Credit/Mtg History Active
0025078468 C A A A Credit Credit/Mtg History Active
0025078468 C A A A Property Valuations FEMA Satisfied
0584283672 C A A A Property Valuations FEMA Satisfied
0283455109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0677453701 C A A A Property Valuations FEMA Satisfied
0687205416 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0687205416 C A A A Property Valuations FEMA Satisfied
0534745580 A A A A      
0545234837 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0841016345 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0086271256 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0086271256 C A A A Credit DTI Satisfied
0086271256 C A A A Property Valuations FEMA Satisfied
0401673078 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0401673078 C A A A Property Valuations FEMA Satisfied
0851261852 A A A A Credit Terms/Guidelines Active
0863693678 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0863693678 C A A A Property Valuations FEMA Satisfied
0901190355 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0901190355 C A A A Property Valuations FEMA Satisfied
0474998423 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0989735360 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0053049074 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0120042142 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0120042142 C A A A Property Valuations FEMA Satisfied
0459155422 A A A A      
0737998363 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0550790086 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0550790086 C A A A Property Valuations FEMA Satisfied
0909092405 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0909092405 C A A A Property Valuations FEMA Satisfied
0774797559 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0792092840 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0975924570 C A A A Property Valuations FEMA Satisfied
0306625747 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0477561117 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0072172385 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0072172385 C A A A Property Valuations FEMA Satisfied
0465592008 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0465592008 C A A A Credit Income/Employment Satisfied
0465592008 C A A A Property Valuations FEMA Satisfied
0698674168 A A A A      
0830786330 A A A A      
0573565278 A A A A      
0599326192 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0599326192 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0896950285 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0896950285 C A A A Property Valuations FEMA Satisfied
0376596649 A A A A Credit Assets Satisfied
0204736277 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0410386993 C A A A Property Valuations FEMA Satisfied
0083642026 C A A A Property Valuations FEMA Satisfied
0762878730 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0762878730 C A A A Property Valuations FEMA Satisfied
0149924642 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0374100642 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0374100642 A A A A Credit Application Satisfied
0374100642 A A A A Credit Assets Satisfied
0374100642 A A A A Credit Terms/Guidelines Active
0207627120 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied

 

Alt Loan Number Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator
0108667074 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0663111754 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0508640368 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0508640368 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0531111736              
0865993508 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0874113761 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0949529794              
0559571963 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0793320563 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No
0793320563 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No
0638695792 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0240643838 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0322000158 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0322000158 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0035392109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0871708592              
0052563378              
0717655250 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0157615989 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0157615989 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0157615989 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0157615989 C A C B PRVAVALU5249 Property Value Not Supported No
0341769682 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0523917325 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0725258392 B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No
0848192613              
0696275262 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0696275262 B A B A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0716594672              
0240361118              
0497572825 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0010223216 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0241257219              
0502181836 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0036901355              
0398270338 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0398270338 C B C B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0783431435 D A D A CMPSTCP1297 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file No
0783431435 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0388416748 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0409144310 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0444954680              
0360471430 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0360471430 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0055419740              
0566829310 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0566829310 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0918501594 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0918501594 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0758960867              
0693472943 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0814327807 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0829909146 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0829909146 C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No
0971658429 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0616706387 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0135143277 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0180822012 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0180822012 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No
0180822012 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0881116154 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0484729634 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0675958762 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0675958762 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No
0881967675              
0019446188 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0917721106 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0881254570 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0445113582 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0929860760 B B B B CMPROR117 ROR - Expiration date on form prior to end of rescission period No
0929860760 C A C A CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0929860760 C A C A CRDLTV3028 LTV Exceeds Guideline Requirement by 10% or more No
0876121680 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0328395532 C A C A CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No
0328395532 C A C A CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No
0328395532 C A C A CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No
0826624297 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0000874602 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0334429155              
0797253156 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0950349243 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0810490042 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0807034540 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0654083385 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0861011284 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0610250280 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0610250280 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0115955504              
0697853204              
0980985167 C B C B CMPTRID5251 TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures No
0522218142 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0119562006 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0110859175 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0918566228 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0367007735 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0073489475 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0272445128 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0603365057 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0251112157 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0763457022 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0763457022 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0865286925 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0865286925 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0343345563 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0315013875 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0198124260 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0127771182              
0160723259 B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No
0160723259 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0299263278 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0401227740 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0218103219 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0155969028 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0155969028 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No
0255344613 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0652510221 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0652510221 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0973511372 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0951628822 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0114264576 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0940581305 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0205571644 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0498944459 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0498944459 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0707533834              
0498164247 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0401600212 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0594075285 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0594075285 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0587716271 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0994133062 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0454675948 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0599310963 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0559878991 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0127638590 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0653657653 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0546417664 B B B B CMPMAN2954 Missing Initial Escrow No
0546417664 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0509870218 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0745768754 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0745768754 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No
0745768754 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0415695316              
0322451755 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0866205783 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0267146795 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0271652852 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0998165035              
0536883221 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0985476994 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0203877868              
0358217181 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0336476195 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0304571261 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0304571261 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0653636459 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0090301796 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0423784549 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0890823797 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0833337206 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0824826528              
0216149541              
0953358945 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0015164909 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0015164909 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0928543093 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0928543093 D A D A CRDINSR3278 Hazard Insurance documentation in file is incomplete No
0928543093 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0240968704 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0240968704 C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No
0240968704 D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No
0225800508              
0859618238 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0967105438 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0868414709 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0817119590 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0476500505 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0494015309 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0494015309 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0578085079 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0638548768 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0294533209 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0458119244 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0458119244 B B B B CRDAST115 Cash reserves do not meet guidelines No
0615086693 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0816058588 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0704632711 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0679120359 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0182328036 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0210509784 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0913696575 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0857176046 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0857176046 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0942895741 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0048624722 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0048624722 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0277208129 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0424249906 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0757925452 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0889856601 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0889856601 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0405737091 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0635712206 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0347013010              
0696525966 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0696525966 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0786649658 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0786649658 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0840420060              
0798748727 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0477959919 C A C A PRVAAPPR151 Appraisal dated beyond acceptable date range per guidelines No
0028342335              
0283538504              
0515861615 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0153965597 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0153965597 D A D A CRDINSR848 Missing Hazard Insurance No
0462218083 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0950114141 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0121094001 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0121094001 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0521063742 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0521063742 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0294003317              
0998854954              
0220362917              
0724799875 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0513213102 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0513718560 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0668504021              
0774389125              
0969917984 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0067233363 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0878337307 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0561756497 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0642309332 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0115538976 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0064839384 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0860566688 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0103870378 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0207917208 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0207917208 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0611465074 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0185840551 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0496345139 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No
0496345139 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0496345139 B A B A CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review No
0496345139 C A C A CRDDTI134 Debt Ratio Exception =>10% No
0327850429 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0017284885 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0931693778 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0931693778 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0995206598 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0482718964              
0541795107 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0357108783              
0633346882 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0063546990 D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No
0063546990 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0063546990 C A C A CRDINC150 Income docs do not meet guidelines No
0063546990 C A C A CRDTIL875 Title Does Not Agree With Mortgage No
0650001406 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0491384475 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0491384475 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0469315665              
0484329354              
0551755300 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0567702570 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0992528104              
0454851797              
0770864774 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0770864774 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0108926130 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0108926130 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0336784005              
0240103832 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0361931454 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0796963421 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0553335943 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0457447762 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0693260565 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0135587452 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0092104266 B B B B CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No
0111569734 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0588864400 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0588864400 B B B B CRDTER110 Loan amount exceeds guideline maximum No
0588864400 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0329534893              
0079351270 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0125269413              
0682530958 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0790045144 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0356437285 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0356437285 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0389105477 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0389105477 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0549719371 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0890013613              
0282207141 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0180898808              
0872965868              
0843780776 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0148086109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0878848656 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0878848656 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0802211406 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0802211406 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0698008705 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0007194881 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0179228955 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0571384087              
0431125590 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0431125590 D A D A CRDINC2408 Income verification does not meet guidelines No
0707587339              
0959853961 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0740414867 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0740414867 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0461929860 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0461929860 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0625352697 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0375155506 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0681286102 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0871967407 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0466731959 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0702030408 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0702030408 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0937329055              
0014665335 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0641789900              
0685380940 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0685380940 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0126721396 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0126721396 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0612751179 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0758206539 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0377851782 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0471424828 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0471424828 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0709682102 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0550573113 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0089588972 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0089588972 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0089588972 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0329231416 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0329231416 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0167677895 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0167677895 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0424397715              
0106666472 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0684783929 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0581140909 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0426796867 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0313177630              
0161149574 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0323770510 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0011620504 D A D A CRDINC2408 Income verification does not meet guidelines No
0065512158 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0847938121 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0847938121 D A D A CRDLGL4033 Missing Legal Document(s) No
0847938121 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0934756940 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0754354325 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0754354325 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0814621234 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0207388456 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0399139623              
0524549904 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0367208436 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0654636177 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0667820348 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0799077256 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0699764711 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0489792248 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0661592427 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0661592427 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0990956930 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0701510973 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0542490622 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0298662993 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0678631671              
0303228682              
0969452800 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0435642713 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0951112238 B B B B CRDTER110 Loan amount exceeds guideline maximum No
0394461457 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0610037072              
0301141698 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0431986178 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0431986178 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0475886340              
0093259823 C A C A PRVAFEMA4817 Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) No
0560238659 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0560238659 C A C A CRDAST3036 Assets reflect unsourced deposits No
0530249070 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0691180213 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0354058155              
0593413797              
0796535686 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0952389631              
0222855349 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0651030603 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0492892232              
0644792561              
0005855354 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0083431819 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No
0295758151              
0459260952 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0964231553 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0235323884              
0695421721              
0699664677              
0572166970              
0379091873 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0867270331              
0041273965 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0041273965 C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No
0670265197 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0198017039 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0198017039 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0198017039 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0417628515              
0728948526              
0333488077 D A D A CRDLGL3958 Missing CEMA No
0455902449 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0084821346              
0476344837 B B B B PRVAAPPR151 Appraisal dated beyond acceptable date range per guidelines No
0649206715 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0610011785 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No
0082613650 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0753691745              
0742748896 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0325025284 A A A A CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No
0015089835 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0991493526 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0991493526 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0626110868 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0800824397 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0208254621              
0772537171 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0772537171 C A C A CRDINC2488 Verbal verification of employment missing No
0238789990 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0894592066 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0442569352 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0112373829              
0131105577 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0131105577 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0126141213              
0847828801 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0571560931 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0571560931 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0207640450 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0025078468 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0025078468 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No
0025078468 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No
0025078468 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0584283672 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0283455109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0677453701 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0687205416 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0687205416 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0534745580              
0545234837 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0841016345 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0086271256 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0086271256 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No
0086271256 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0401673078 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0401673078 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0851261852 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0863693678 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0863693678 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0901190355 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0901190355 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0474998423 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0989735360 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0053049074 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0120042142 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0120042142 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0459155422              
0737998363 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0550790086 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0550790086 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0909092405 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0909092405 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0774797559 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0792092840 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0975924570 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0306625747 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0477561117 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0072172385 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0072172385 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0465592008 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0465592008 B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No
0465592008 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0698674168              
0830786330              
0573565278              
0599326192 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0599326192 C A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No
0896950285 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0896950285 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0376596649 D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No
0204736277 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0410386993 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0083642026 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0762878730 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0762878730 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No
0149924642 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0374100642 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No
0374100642 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No
0374100642 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No
0374100642 B B B B CRDTER3122 Loan documents do not meet guideline requirements No
0207627120 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No

 

Alt Loan Number Initial Comments Client/Seller Response Comments Conclusion Comments
0108667074 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)
0663111754 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)
0508640368 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)
0508640368 Declaration Date XXX  Effective Date  XXX+AF41 Clayton to order property inspection 10.23.20 - Property Inspection Report provided and no damage.  10.23.20 - Exception satisfied. 
0531111736      
0865993508 Approved Lender exception for XXX Aggregate financing greater than $3MM. Clayton deems non-material due to the following compensating factors: Rate term refinance of current XXX loan, payment reduction of $1065, $3.8MM unvested XXX, low ratios, strong residual income, minimal use of revolving credit, satisfactory housing payment history, B2 has long term employment stability with advanced degree, B1 has potential for increased earning. (No Data) (No Data)
0874113761 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)
0949529794      
0559571963 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)
0793320563 Guidelines require year-to-date Balance sheet for primary business(s) Missing year-to-date Balance sheet for XXX 8.27.20 - Client responded. No balance sheet was obtained. A sole proprietor reporting business income and expenses on Schedule C does not have to report a balance sheet as part of the tax return. A two-year average of XXX income with an increasing trend from 2018 to 2019 supported with a current year-to-date P&L was used to qualify.  8.27.20 - Exception satisfied. 
0793320563 Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition.  This is a non-material violation. (No Data) (No Data)
0638695792 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)
0240643838 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)
0322000158 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)
0322000158 Approved Lender exception for FTHB escrow waiver. Clayton deems non-material based on compensating factors of $19k residual income, DTI at 29%, Qualifying credit score of 816 and satisfactory rental history.  (No Data) (No Data)
0035392109 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)
0871708592      
0052563378      
0717655250 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)
0157615989 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)
0157615989 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)
0157615989 Approved Lender exception for use of rental income with borrower having > 12mo landlord experience no mortgage/ rental payment history. Clayton deems non-material based on compensating factors of stable employment history, reserves greater than $239k, FTHB and furthermore, Verification of rent for prior rental period of 04/2017 to 04/2019 is included in file. (No Data) (No Data)
0157615989 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. 9.2.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 9.2.20 - Exception satisfied. 
0341769682 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)
0523917325 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)
0725258392 No inspection since the XXX declaration date, XXX effective date, FEMA disaster XXX Declaration #XXX.  (No Data) (No Data)
0848192613      
0696275262 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)
0696275262 File is missing required 12 months rental history.  File contains 10 months cancelled checks.  10.21.20 - Client responded. 12 month rental history attached.  10.21.20 - Exception satisfied. 
0716594672      
0240361118      
0497572825 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)
0010223216 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)
0241257219      
0502181836 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)
0036901355      
0398270338 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)
0398270338 CD XXX - Projected payments section discloses estimated monthly escrow as $497.70.  Estimated taxes, Insurance, & Assessments discloses monthly escrow as $1402.32 for property taxes and homeowners insurance.PCCD required with corrections to the estimated taxes, Insurance amount from $1,402.32 to $497.70. 8.25.20 - Client responded. Agree - New construction property. The Projected Payments Table of the Consummation CD issued on XXX incorrectly discloses the monthly estimated escrow as $497.70, which is the unimproved property tax amount. The Estimated Taxes, Insurance & Assessments is disclosed as $1,402.32, which is the correct improved property tax amount. A new Post Consummation CD is required to reflect the correct Estimated Escrow amount in the Projected Payments Table on page 1 and in the Escrow Account section of page 4. Remediation requested. 10.5.20 - Client responded. Post Consummation CD sent to borrower(s) on XXX disclosing the correct Monthly Escrow and Property Costs over Year 1 on page 4. See attached PC CD.  8.25.20 - Exception remains. 10.5.20 - Exception satisfied. 
0783431435 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) missing. 8.25.20 - Client responded. "Disagree - The form is required under the Rhode Island Home Loan Protection Act. National banks are exempt from the Act and its requirements; therefore, it is not applicable to this loan. See attached supporting document. No corrective action required.  8.25.20 - Exception satisfied. 
0783431435 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)
0388416748 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)
0409144310 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)
0444954680      
0360471430 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)
0360471430 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)
0055419740      
0566829310 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)
0566829310 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)
0918501594 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)
0918501594 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)
0758960867      
0693472943 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)
0814327807 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)
0829909146 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)
0829909146 $1090 zero tolerance due to increase of Survey fee from $0 to $1090 on CD XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 8.18.20 - Client responded. Agree - no Changed Circumstance document provided to the borrower for the addition of the Title-Survey fee for $1090 - Services Borrower did not Shop For, which was disclosed on the Consummation Closing Disclosure issued XXX.  However, this Survey fee is a 10% tolerance fee; therefore, a tolerance refund of $1020 is due to the borrower. (($400 - $370 +$40) - $1090 = $1020). Remediation requested10.2.20 - Client responded. Refund check, PC CD and letter sent to borrower(s) on XXX.  See attached Refund Check, PC CD and letter. 8.18.20 - Exception remains. 10.2.20 - Exception satisfied. 
0971658429 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)
0616706387 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)
0135143277 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)
0180822012 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)
0180822012 Guidelines require that a VVOE be performed within 10 business days of note date. VVOE for Borrower 2 is dated XXX with note date of XXX VVOE is XX days old. Provide satisfactory updated VVOE reflecting borrower 2 as an active employee.  (No Data) (No Data)
0180822012 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.23.20 - Property Inspection Report provided and no damage. 11.23.20 - Exception satisfied.
0881116154 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)
0484729634 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)
0675958762 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)
0675958762 Approved Lender exception for rental payment history covering less than a 12 month period.  Lease ended in 2/2020 and customer travelled internationally for 3+ months and did not pay rent.  Clayton deems non-material due to compensating factors of having excellent traditional credit, excellent savings pattern, low DTI of 18.06% (No Data) (No Data)
0881967675      
0019446188 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)
0917721106 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)
0881254570 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)
0445113582 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)
0929860760 Earliest expiration date per ROR is XXX and Disbursement date per CD dated XXX is XXX Full 3 day rescission not observed. 10.23.20 - Client responded. "Disagree - Closing date was XXX. Notice of Right to Cancel expired on XXX, which is accurate. Loan disbursed on XXX. No compliance action required. See attached CD, NRTC and Disbursement "  10.23.20 - Exception satisfied. 
0929860760 Earliest expiration date per ROR is XXX and Disbursement date per CD dated XXX is XXX. Full 3 day rescission not observed. 10.23.20 - Client responded. "Disagree - Closing date was XXX. Notice of Right to Cancel expired on XXX, which is accurate. Loan disbursed on XXX. No compliance action required. See attached CD, NRTC and Disbursement "  10.23.20 - Exception satisfied. 
0929860760 Subject Loan included an Original Appraisal with a value of $XXX and an Appraisal Review with a value of $XXX A reconciliation review was done to determine the correct value and came back only supporting the Original Appraised Value of $XXX. Note amount of $XX/Appraised Value of $XXX= XXX% LTV and over allowed guidelines.  10.27.20 - Client responded. Please have Reconciliation Reviewer clarify the following: 1. Per Reconciliation Review: Review states C1 does not have XXX and there was no adjustment. C1 DOES have XXX access. However, the Desk Review states: COMPARABLE 1 HAS ACCESS TO A XXX BUT NOT A XXX WHICH THE MARKET CONSIDERS INFERIOR AND IS NOT ADJUSTED OR ACCOUNTED FOR. Given the comments were either missed or misread by the reconciliation reviewer, please reconcile the comments. 2. Per Reconciliation Review: RAstates C4 does not have XXX access, but, it does. However, there are no comments in the Desk Review to that effect. The desk review does indicate comp 5 has no access. Given the comments were misread by the reconciliation reviewer, please reconcile the commentary. 3. Please have reconciliation reviewer address the 117k quality adjustment applied to comp 3 in the OA. 4. Please have reconciliation reviewer re-grid the sales felt to be most appropriate for the subject. 5. Please have reconciliation reviewer address the following sales within the subject development: a) XXXb) XXXc) XXX(closed after effective date) 10.27.20 - Clayton has sent rebuttal to vendor for review. 10.29.20 - Vendor provided updated reconciliation report and answered client rebuttals as well as adjusted value from $XXX to $XXX. This lowers the LTV to 83.51% from 90.36% and still over the allowed 80% LTV and client used LTV of 76.47% based on appraisal review of XXX. 11.3.20 - Client responded. Second rebuttal sent. 11.3.20 - Clayton has sent rebuttal to third party team to send to vendor for review and commentary. 11.9.20 - Revised reconciliation report provided with updated value of $XXX which is within the -10% tolerance required to support the Appraised value used of XXX. LTV issue now resolved.  10.27.20 - Exception remains. 10.29.20 - Exception remains. 11.3.20 - Exception remains. 11.9.20 - Exception satisfied. 
0876121680 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)
0328395532 The finance charge is under disclosed by $426.41. The following fees were applied towards APR: survey, and attorney fees.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 11.10.20 - Client responded. Disagree:  The finance charge is accurate.   The prepaid interest is actually an interest credit from XXX to the first payment on XXX.  The Attorney's Opinion and Survey fees are not prepaid finance charges, and the Borrower's Attorney fee is not considered APR sensitive because it is an attorney independent from the Settlement Agent.  Our calculated Finance Charge is $440,274.05.  Disclosed finance charge was $440,274.03.  Difference of $.02, which is the difference in our calculated interest credit ($426.44) and their disclosed interest credit ($426.42). 11.10.20 - Exception satisfied. 
0328395532 The finance charge is under disclosed by $426.41. The following fees were applied towards APR: survey, and attorney fees.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 11.10.20 - Client responded. Disagree:  The Amount Financed is accurate.   The prepaid interest is actually an interest credit from XXX to the first payment on XXX.  The Attorney's Opinion and Survey fees are not prepaid finance charges, and the Borrower's Attorney fee is not considered APR sensitive because it is an attorney independent from the Settlement Agent.  Our calculated Amount Financed is $988,676.44.  Disclosed amount financed was $988,676.42.  Difference of $.02, which is the difference in our calculated interest credit ($426.44) and their disclosed interest credit ($426.42). 11.10.20 - Exception satisfied. 
0328395532 The finance charge is under disclosed by $426.41. The following fees were applied towards APR: survey, and attorney fees.  Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 11.10.20 - Client responded. Disagree:  The Total of Payments is accurate.   The prepaid interest is actually an interest credit from XXX to the first payment on XXX.  The Attorney's Opinion and Survey fees are not prepaid finance charges, and the Borrower's Attorney fee is not considered APR sensitive because it is an attorney independent from the Settlement Agent.  Our calculated Finance Charge is $1,428,524.05.  Disclosed Total of Payments was $1,428,524.03.  Difference of $.02, which is the difference in our calculated interest credit ($426.44) and their disclosed interest credit ($426.42) 11.10.20 - Exception satisfied. 
0826624297 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)
0000874602 FEMA declared disaster XXX XXX, clayton will order PDI.  11.6.20  Property Inspection Report received and no damage 11.6.20  Exception satisfied. 
0334429155      
0797253156 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)
0950349243 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)
0810490042 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)
0807034540 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)
0654083385 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)
0861011284 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)
0610250280 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)
0610250280 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.19.20  Property Inspection Report provided and no damage.  10.19.20  Exception satisfied. 
0115955504      
0697853204      
0980985167 CD: XXX [Last CD], Section: Projected Payments, Field: Estimated Taxes, Insurance & Assessments, Value: XXXCD: XXX [Last CD], Section: Loan Disclosures, Field: Estimated Costs Over Year 1, Value: XXX7638.77 / 1865.19 = 4.09 months of escrow, the section is for estimated costs over one year. Revised CD with the corrected costs over one year required, revised CD and LOX to borrower 11.4.20 - Client responded. "Agree - The amount in the Estimated Property Costs over Year 1 section on page 4 of the Closing Disclosure was calculated using the old property tax payment versus the new property tax payment that was disclosed in the Estimated Taxes Insurance and Assessments amount of the Projected Payments table on page 1.  Emailed CDCR to disclose a new Borrower CD with the corrected amount on page 4 of the CD.""12.7.20 - Client responded. Post Consummation CD sent to borrower(s) on XXX disclosing a corrected Estimated Taxes Insurance and Assessments amount and corrected Property Costs over Year 1 amount.  See attached Post Consummation CD.  11.4.20 - Exception remains. 12.7.20 - Exception satisfied. 
0522218142 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)
0119562006 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)
0110859175 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0918566228 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)
0367007735 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)
0073489475 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)
0272445128 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)
0603365057 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)
0251112157 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)
0763457022 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)
0763457022 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)
0865286925 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)
0865286925 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)
0343345563 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0315013875 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)
0198124260 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)
0127771182      
0160723259 Missing List of Homeowners Counseling Organizations.  (No Data) (No Data)
0160723259 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)
0299263278 The Disbursement date value of XXX disclosed on CD XXX is the same date as the midnight of date on the Notice of Right to Cancel doc XXX 8.31.20 - Client responded. "Disagree - Closing Date was XXX. Funds were disbursed on XXX. Post Consummation CD with correct disbursement and prepaid interest dates was sent to the borrower(s) on XXX. Please see attached PC CD and disbursement record.  8.31.20 - Exception satisfied. 
0401227740 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)
0218103219 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)
0155969028 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)
0155969028 Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. 9.4.20 - Client responded. "inv: Disagree - This is a New Construction loan.  A Seller's Closing Disclosure is not required nor obtained on a new construction loan.  No corrective action required.9.4.20 - Clayton has reviewed and subject was Construction and not needed.  9.4.20 - Exception satisfied. 
0255344613 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0652510221 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)
0652510221 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)
0973511372 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)
0951628822 Declaration Date XXX  Effective Date XXX Clayton to order property inspection 10.26.20 - Property Inspection Report provided and no damage.  10.26.20 - Exception satisfied. 
0114264576 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)
0940581305 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)
0205571644 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)
0498944459 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0498944459 Approved Lender Exception for first time homebuyer and waiving escrows. Clayton deems as non-material based on Compensating factors of qualifying credit score of 802 exceeds guideline requirements and borrower has over 2.9million in reserves.  (No Data) (No Data)
0707533834      
0498164247 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0401600212 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.Exceptiom satisfied. (No Data) (No Data)
0594075285 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)
0594075285 Natural Disaster Area, no subsequent Inspection (Individual & Public)FEMA Declaration #XXX dated XXX, Effective XXX (?), XXX. Clayton will order Property Inspection Report.  9.30.20 - Property Inspection report received and no damage.  9.30.20 - Exception satisfied. 
0587716271 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)
0994133062 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)
0454675948 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)
0599310963 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)
0559878991 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)
0127638590 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)
0653657653 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)
0546417664 Approved Lender Exception for the First Time Homebuyer Escrow Waiver on the file. Lender unable to require escrows in the state of California with a LTV of 80% or below. Clayton deems non-material based on compensating factors of credit score 799 and reserves of $176,281.20, which is greater than required reserves. (No Data) (No Data)
0546417664 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)
0509870218 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)
0745768754 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)
0745768754 Guidelines require evidence of valid residency status. Provide a satisfactory copy of borrower 2's permanent resident alien card.  11.4.20 - Client responded. See attached document. 11.4.20 - Exception satisfied. 
0745768754 No inspection since XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.4.20  Property Inspection report provided and no damage.  11.4.20  Exception satisfied. 
0415695316      
0322451755 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)
0866205783 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)
0267146795 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)
0271652852 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)
0998165035      
0536883221 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)
0985476994 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)
0203877868      
0358217181 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)
0336476195 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0304571261 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)
0304571261 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)
0653636459 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)
0090301796 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)
0423784549 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)
0890823797 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)
0833337206 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)
0824826528      
0216149541      
0953358945 ROR Rescission Date is XXX. CD Disbursement Date is XXX Disbursement date is before end of statutory rescission period. 8.27.20 - Client responded. Disagree - Actual closing date was XXX with XXX right to cancel expiration. Loan disbursed on XXX. Post Consummation CD was issued to the borrower on XXX with the correct closing, disbursement and prepaid interest dates. Please review attached supporting documentation.  8.27.20 - Exception satisfied. 
0015164909 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  (No Data) (No Data)
0015164909 Note date XXX; disaster declaration date XXX, Clayton to order.  11.5.20  Property Inspection Report received and no damage.  11.5.20  Exception satisfied. 
0928543093 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)
0928543093 Guidelines require that the Hazard insurance name the LLC as the insured party; Lender required update to insurance policy that was provided listing only the borrower. Provide updated insurance policy with LLC listed as insured party.  8.26.20 - Client responded. Lender only received/requested Haz with the borrower name only. Unable to procure.10.2.20 - Client responded. See revised policy attached 8.26.20 - Exception remains. 10.2.20 - Exception satisfied. 
0928543093 Approved Lender exception for Second home purchase transaction vesting in LLC. Clayton deems non-material due to compensating factors of $83,556 monthly residual income, 16.43% DTI, minimal user of revolving debt, 82 months liquid PCL, long tenure with current employer of 16 years.  (No Data) (No Data)
0240968704 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)
0240968704 Ten percent tolerance fees increased for fees in section C of LE XXX that moved to section B of CD XXX for the following fees. Title closing- $1,170 to $1,190 Title Clsg protection letter-$25.00 Title search-$475.00 Letter of explanation, corrected Closing Disclosure, refund of $470.00 , proof of delivery is required within 60 days of consummation. 9.18.20 - Client responded. Disagree - The 10% fee baseline on the Loan Estimate was disclosed in the amount of $4,806.00. The total of 10% fees on the consummation CD were charged in the amount of $4,510.00. This resulted in a decrease of $296 in the 10% tolerance threshold and within tolerance; therefore, no refund would be due. The 10% fees are not held to an individual fee tolerance. This is not a defect so no corrective action is required. LE #001 and CD#007 attached.  9.18.20 - Exception satisfied. 
0240968704 Missing statements for accounts with XXX *XXX and *XXX indicating balances in the amount of $150,495.15 & $116,133.62 9.22.20 - Client responded. "Statements for accounts with XXX *XXX and *XXX indicating balances in the amount of $150,495.15 & $116,133.62 attached.  9.22.20 - Exception satisfied. 
0225800508      
0859618238 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)
0967105438 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  (No Data) (No Data)
0868414709 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)
0817119590 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)
0476500505 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0494015309 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)
0494015309 Declaration Date XXX  Effective Date XXX  10.7.20 - Property Inspection received and no damage. 10.7.20 - exception satisfied. 
0578085079 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)
0638548768 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)
0294533209 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)
0458119244 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)
0458119244 Approved Lender exception for insufficient reserves. Clayton deems non-material due to the following compensating factors: LTV/CLTV 75%, Ratio is less than 24%, residual income $28k, Low revolving debt $10k and ability to save as $415k own funds.  (No Data) (No Data)
0615086693 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)
0816058588 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)
0704632711 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)
0679120359 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)
0182328036 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)
0210509784 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)
0913696575 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)
0857176046 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)
0857176046 Declaration Date XXX Effective Date XXX 11.9.20  Property Inspection Report provided and no damages.  11.9.20  Exception satisfied. 
0942895741 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)
0048624722 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)
0048624722 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.4.20  Property Inspection report provided and no damage.  11.4.20  Exception satisfied. 
0277208129 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)
0424249906 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)
0757925452 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0889856601 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)
0889856601 Declaration Date XXX  Effective Date XXX. Clayton will order PDI.  10.8.20 - Property Inspection received and no damage.  10.8.20 - exception satisfied.
0405737091 Approved Lender exception for Employer Sponsored Down Payment Assistance Loan.Clayton deems non-material due to following compensating factors: DTI 34.50, LTV 60 with CLTV of 78.23, 18 months liquid reserves. (No Data) (No Data)
0635712206 Declaration date XXX; Effective date XXX, Clayton to order PDI 10.13.20 - Property Inspection received and no damage.  10.13.20 - exception satisfied. 
0347013010      
0696525966 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)
0696525966 Natural Disaster Area, no subsequent inspection (Individual & Public) FEMA declaration #XXX dated XXX, effective XXX (?), XXX. Clayton will order.  11.23.20 - Property Inspection Report provided and no damage. 11.23.20 - Exception satisfied.
0786649658 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)
0786649658 Declaration date of XXX; effective date of XXX for XXX. Clayton to order Property Inspection.  9.8.20 - Property Inspection Report provided and no damage.  9.8.20 - Exception satisfied. 
0840420060      
0798748727 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)
0477959919 Appraisal dated XXX is beyond date range of 12 months per guidelines.Guidelines for reuse of a XXX appraisal form from a closed transaction must not be more than 12 months old as of the note date of the new transaction.An appraisal update dated XXX was provided by a different appraiser indicating value had not declined since original appraisal which would have been acceptable if less than 12 months. Provide new appraisal supporting value. 9.22.20 - Client responded. COVID-19 policy update 3/26/20 expanded appraisal re-use timeline from 12 months to 24 months on XXX -to-XXX rate/term refinances. Subject application prior to allowing interior inspections to be ordered again. See Appraisal Update and Underwriting notesvattached for support. Had the Appraisal Update shown a decline in market value, a new appraisal would be required.  9.22.20 - Exception satisfied. 
0028342335      
0283538504      
0515861615 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)
0153965597 ROR Rescission Date is XXX. CD Disbursement Date is XXX. Disbursement date is before end of statutory rescission period. 8.31.20 - Client responded. "Disagree - Closing Date was XXX. Funds were disbursed on XXX. Post Consummation CD with correct disbursement and prepaid interest dates was sent to the borrower(s) on XXX. Please see attached PC CD and disbursement record  8.31.20 - Exception Satisfied. 
0153965597 Missing Hazard Insurance verification. As this was a XXX to XXX refi the escrow screenshot was provided but the page with the excrow info was not included.  8.31.20 - Client responded. "Procured Escrow tab from OPS for XXX to XXX refi Individual Hazard Insurance.  8.31.20 - Exception satisfied. 
0462218083 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)
0950114141 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)
0121094001 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)
0121094001 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.28.20 - Property Inspection Report provided and no damage.  10.28.20 - Exception satisfied. 
0521063742 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)
0521063742 Declaration date of XXX; Effective date of XXX for XXX, Clayton to order inspection. 10.7.20 - Property Inspection received and no damage. 10.7.20 - exception satisfied. 
0294003317      
0998854954      
0220362917      
0724799875 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)
0513213102 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)
0513718560 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)
0668504021      
0774389125      
0969917984 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)
0067233363 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)
0878337307 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0561756497 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)
0642309332 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)
0115538976 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)
0064839384 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)
0860566688 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)
0103870378 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)
0207917208 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)
0207917208 Declaration Date XXX Effective Date XXX. Clayton will order PDI.  10.8.20 - Property Inspection received and no damage.  10.8.20 - exception satisfied.
0611465074 XXX Declaration date; XXX Effective date.  Clayton to order inspection. 11.10.20  Property Inspection Report provided and no damage. 11.10.20  Exception satisfied. 
0185840551 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)
0496345139 Approved Lender exception for Departure residence under contract and not sold.  Lender Omitted PITI, however during review and adding the PITI for departing residence the DTI is 60.75% and exceeds by 10% or more. Would need proof the home has sold post closing. 9.23.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly 9.23.20 - Exception satisfied.
0496345139 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)
0496345139 Per client re-status as Non-QM.  10.20.20 - Client responded. See attached evidence property sold on XXX. Tax records not yet updated to provide evidence of transfer. Borrower did not need funds from sale to close on subject transaction.10.20.20 - Clayton has reviewed and documentation provided reflects departing residence has sold and DTI is now under 43% and meets XXX.  10.20.20 - Exception Satisfied.
0496345139 Approved Lender exception for Departure residence under contract and not sold. Lender Omitted PITI, however during review and adding the PITI for departing residence the DTI is 60.75% and exceeds by 10% or more. Would need proof the home has sold post closing. 9.22.20 - Client responded. Lender exception for Departure under contract, not sold, Documenting contracted sale of departure approved under the PCO delegated authority. DTI without Departure Residence; Subject PITI 3681.57 + Investor 1669.33 + consumer debt 970.23 = 6321.13 / 21666.67 total qualifying income = DTI of 29.17%. DTI with Departure Residence; Subject PITI 3681.57 + Departure (sold after close) 4185 + Investor 1669.33 + consumer debt 970.23 = 10506.13 / 21666.67 = DTI of 48.49%, Underwriting notes reflect the departure residence to sell (cash sale) on XXX after the closing of subject. 1- Underwriting Notes and XXX bank statement attached to support the available funds of $968,832.48 from buyer to purchase $XXX departure residence. ATR adequately supported. Compensating factors 1- Low housing ratio 2- High residual income 3- Equity in other real estate owned 4- Documented savings pattern 5- Substantial down payment from borrowers' own funds 6- Excellent credit history 7- Minimal consumer debt. 9.22.20 - Clayton has reviewed and requires documentation to support the departing residence actually sold. Although buyer has provided assets to reflect they can purchase anything can happen and they could back out. 10.20.20 - Client responded. See attached evidence property sold on XXX. Tax records not yet updated to provide evidence of transfer. Borrower did not need funds from sale to close on subject transaction.  9.22.20 - Exception remains. 10.20.20 - Exception satisfied. 
0327850429 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)
0017284885 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)
0931693778 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)
0931693778 Declaration Date XXX Effective Date XXX Clayton to order PDI 10.19.20  Property Inspection Report provided and no damage.  10.19.20  Exception satisfied. 
0995206598 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)
0482718964      
0541795107 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)
0357108783      
0633346882 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)
0063546990 Guidelines require if closing prior to start date with new employer that employment contracts must be guaranteed and non-revocable.Employment offer letter dated 7-23-2020 indicates that the offer package is subject to change with or without notice at the discretions of the company and includes an acknowledgement that employment is "at will", meaning the terms and employment may be changed with or without notice, with or without cause, including but not limited to, termination, demotion, promotion, transfer, compensation, benefits, duties and location of work.  9.22.20 - Client responded. 1- Employment letter dated 7-31-20 (attached) reflects borrower has successfully met all requirements for employment at XXX beginning 9-8-20. 2- Re-verification of employment (VOE) dated 8-25-20 with start date 9-8-20 as XXX  attached. ATR adequately supported. Compensating factors 1- Borrower has been in the same profession over 10 years 2- Documented savings pattern 3- Substantial down payment from borrowers' own funds 4- Equity in other real estate owned 5- Excellent credit history 6- History of satisfactorily maintaining similar level of housing expense and/or debt  9.22.20 - Exception satisfied. 
0063546990 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)
0063546990 Guidelines require if closing prior to start date with new employer that employment contracts must be guaranteed and non-revocable.Employment offer letter dated 7-23-2020 indicates that the offer package is subject to change with or without notice at the discretion of the company and includes an acknowledgement that employment is "at will", meaning the terms and employment may be changed with or without notice, with or without cause, including but not limited to, termination, demotion, promotion, transfer, compensation, benefits, duties and location of work.  9.22.20 - Client responded. 1- Employment letter dated 7-31-20 (attached) reflects borrower has successfully met all requirements for employment at XXX beginning 9-8-20. 2- Re-verification of employment (VOE) dated 8-25-20 with start date 9-8-20 as XXX attached. ATR adequately supported. Compensating factors 1- Borrower has been in the same profession over 10 years 2- Documented savings pattern 3- Substantial down payment from borrowers' own funds 4- Equity in other real estate owned 5- Excellent credit history 6- History of satisfactorily maintaining similar level of housing expense and/or debt  9.22.20 - Exception satisfied. 
0063546990 Guidelines require that the title vesting and the deed of trust match. Title commitment dated XXX indicates Proposed Insured as XXX, Deed of Trust reflects XXX. Provide updated title reflecting vesting in the names of XXX 11.18.20 - Client responded. See attached Title Policy 11.18.20 - Exception satisfied.
0650001406 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)
0491384475 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)
0491384475 No inspection since the XXX declaration date,XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.23.20 - Property Inspection Report provided and no damage. 11.23.20 - Exception satisfied.
0469315665      
0484329354      
0551755300 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)
0567702570 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)
0992528104      
0454851797      
0770864774 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)
0770864774 FEMA declared disaster effective XXX XXX, clayton to order property inspection. 11.11.20  Property Inspection Report provided and no damage.  11.11.20  Exception satisfied. 
0108926130 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)
0108926130 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)
0336784005      
0240103832 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)
0361931454 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)
0796963421 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0553335943 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)
0457447762 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)
0693260565 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)
0135587452 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.19.20  Property Inspection Report provided and no damage.  10.19.20  Exception satisfied. 
0092104266 The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure XXX ($1613627.43) is less than the Clayton Calculated Total Payment Amount ($1613888.79). Difference of $261.36. Verified Fees. APR Fees are Title Settlement Fee $1613 and Prepaid Interest $1742.40, No Itemization. Corrected on PCCD XXX. Exception Satisfied. (No Data) (No Data)
0111569734 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)
0588864400 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)
0588864400 Approved lender exception for loan amount of $XXX exceeding the guideline max allowed of $XXX.  Clayton deems non-material due to compensating factors of having strong residual income, strong savings, strong equity in real estate owned, and seasoned homeowners. (No Data) (No Data)
0588864400 FEMA Declaration date XXX and Effective date XXX. Clayton to order property inspection 11.6.20  Property Inspection Report received and no damage 11.6.20  Exception satisfied. 
0329534893      
0079351270 Declaration Date XXX Effective Date XXX Clayton to order property inspection 11.9.20  Property Inspection Report provided and no damages.  11.9.20  Exception satisfied. 
0125269413      
0682530958 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)
0790045144 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)
0356437285 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)
0356437285 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)
0389105477 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)
0389105477 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.19.20  Property Inspection Report provided and no damage.  10.19.20  Exception satisfied. 
0549719371 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)
0890013613      
0282207141 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)
0180898808      
0872965868      
0843780776 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)
0148086109 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0878848656 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)
0878848656 Declaration Date XXX Effective Date XXX. Clayton will order PDI.  10.13.20 - Property Inspection received and no damage.  10.13.20 - exception satisfied. 
0802211406 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)
0802211406 FEMA Declared disaster XXX Effective XXX Clayton will order property inspection report.  11.17.20 - Property Inspection Report provided and no damage. 11.17.20 - Exception satisfied.
0698008705 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)
0007194881 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)
0179228955 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)
0571384087      
0431125590 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)
0431125590 Missing 2018 W2 for B2. Require 2 years W2s or WVOE to include 2018 Income earned. 10.21.20 - Client responded. Income used to qualify for B2 supported with 2019 and YTD earnings with evidence a high probability of continuance exists.  ATR adequately supported.  1- Strong residual income  2- Documented savings pattern  3- Substantial down payment from borrowers' own funds  4- Substantial reserves  5- Equity in other real estate owned  6- Excellent credit history "" 10.21.20 - Exception satisfied. 
0707587339      
0959853961 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)
0740414867 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0740414867 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.2.20 - Property Inspection Report received and no damage.  11.2.20 - Exception satisfied. 
0461929860 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)
0461929860 Natural Disaster Area with declaration date of XXX effective date of XXX for XXX and no subsequent inspection.  Clayton to order. 11.18.20 - Property Inspection Report provided and no damage. 11.18.20 - Exception satisfied.
0625352697 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data) (No Data)
0375155506 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)
0681286102 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.19.20  Property Inspection Report provided and no damage.  10.19.20  Exception satisfied. 
0871967407 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.Exception satisfied. (No Data) (No Data)
0466731959 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)
0702030408 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)
0702030408 Declaration Date XXX   Effective Date XXX. Clayton will order PDI.  10.9.20 - Property Inspection received and no damage.  10.9.20 - exception satisfied. 
0937329055      
0014665335 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)
0641789900      
0685380940 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)
0685380940 Missing subsequent property inspection completed after FEMA disaster effective XXX, public declaration #XXX, XXX. Clayton to order property inspection 10.23.20 - Property Inspection Report provided and no damage.  10.23.20 - Exception satisfied. 
0126721396 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)
0126721396 Appraisal date XXX, disaster effective date XXX; Clayton will order.  11.11.20  Property Inspection Report provided and no damage.  11.11.20  Exception satisfied. 
0612751179 FEMA Declaration date XXX and Effective date XXX. Clayton to order property inspection 11.6.20  Property Inspection Report received and no damage 11.6.20  Exception satisfied. 
0758206539 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)
0377851782 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)
0471424828 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)
0471424828 Declaration Date XXX  Effective Date XXX Clayton to order Property inspection. 10.30.20 - Property Inspection Report provided and non damage.  10.30.20 - Exception satisfied.
0709682102 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied. (No Data) (No Data)
0550573113 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied. (No Data) (No Data)
0089588972 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)
0089588972 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)
0089588972 Approved Lender exception for lack of recent housing history as borrower is currently living rent free with spouse since approximately 10-2019 with a documented prior housing history from 10-2017 to 9-2019.Clayton deems non-material due to the following compensating factors: Documented 24 months previous rental history, cash commitment of $581,740 with $210,000 gift funds from non-borrowing spouse, cash reserves of over 40 months PITI and low LTV. (No Data) (No Data)
0329231416 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)
0329231416 Declaration Date XXX  Effective Date XXX Clayton to order property inspection 11.5.20  Property Inspection Report received and no damage.  11.5.20  Exception satisfied. 
0167677895 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)
0167677895 Appraisal completed on XXX -  XXX. Clayton will order a Property Inspection Report.  9.25.20 - Received Property Inspection report and no damage.  9.25.20 - Exception satisfied. 
0424397715      
0106666472 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0684783929 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)
0581140909 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)
0426796867 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0313177630      
0161149574 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.Exception satisfied. (No Data) (No Data)
0323770510 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)
0011620504 Guidelines allow for a Written Verification of Employment in lieu of w-2s within 120 days of note date. Provided a previous written VOE for Borrower 1 dated XXX. Note date is XXX.Provide updated previous written VOE with income for Borrower 1's previous employer XXX or 2019 & 2018 w-2s.     11.16.20 - Client responded. An updated previous WVOE was not required. WVOE's in file completed on XXX confirm borrower 1's 2017-2019 income from prior employment with XXX. WVOE's were completed after employment with XXX ended. An updated WVOE would reflect the same figures and would have no impact on the loan decision. 11.16.20 - Exception satisfied. 
0065512158 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)
0847938121 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)
0847938121 Missing fully executed sales contract from the seller as reflected on the title report dated XXX as XXX; sales contract provided is signed XXX by previous owners of record. Provide a fully executed sales contract between XXX  and the borrowers for $XXX 9.1.20 - Client responded. Purchase agreement addendum attached to include Closing Disclosure and Final Settlement Statement. 9.1.20 - Exception satisfied. 
0847938121 Approved Lender exception for lack of 12 month housing payment history as borrowers live rent free. Clayton deems non-material due to the following compensating factors: spotless credit history since 2005, minimal use of credit, low LTV, long term employment with strong residual income of $13,576.  (No Data) (No Data)
0934756940 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)
0754354325 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)
0754354325 Declaration Date XXX Effective Date XXX Clayton to order property inspection. 10.6.20 - Property Inspection Report provided and no damage.  10.6.20 - Exception satisfied. 
0814621234 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)
0207388456 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)
0399139623      
0524549904 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)
0367208436 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)
0654636177 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)
0667820348 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)
0799077256 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)
0699764711 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0489792248 Declaration Date XXX   Effective Date XXX Clayton to order property inspection 10.21.20  Property Inspection report provided and no damage. 10.21.20  Exception Satisfied.
0661592427 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)
0661592427 Approved Lender exception for Condo project not meeting presale requirements.Clayton deems non-material due to the following compensating factors: Borrower has a perfect rental payment history, Verified reserves of $299k, stable employment history with increasing income year after year and additional bonus income not used with substantial residual income of over $8800.   (No Data) (No Data)
0990956930 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)
0701510973 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)
0542490622 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)
0298662993 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)
0678631671      
0303228682      
0969452800 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)
0435642713 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)
0951112238 Approved lender exception for Loan amount being outside lending Authority.  Clayton deems non material based on compensating factors of DTI being 17.71%; PCL requirement has been met with having 146 months of PCL, Increasing income trend as well. No derogatory accounts. (No Data) (No Data)
0394461457 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)
0610037072      
0301141698 Lender approved exception for Retirement asset verification over 120 days at date of note, retirement assets dated 3-31-2020 and date of not is XXX. Clayton deems non-material due to compensating factors including no cash from borrower required at closing borrower meeting all other required credit policies as well as credit score of 756 exceeding guideline minimum of 680 and 20 years experience. in same profession. (No Data) (No Data)
0431986178 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)
0431986178 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)
0475886340      
0093259823 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX.Clayton to order Property Inspection.  9.22.20 - Property Inspection report provided and no damage.  9.22.20 - Exception satisfied. 
0560238659 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0560238659 Provide documentation supporting sale of REO XXX and borrowers receipt of $400,000 - 50% of ownership interest  10.28.20 - Client responded. Documentation supporting the sale of REO XXX and borrowers receipt of $400k attached to include 1- Underwriting Notes 2- XXX property details report. See page 4 of 13 transaction summary showing Quit Claim Deed from borrower for $400k sale price 3- XXX financial activity transcript $400k receipt 9/14/20 from XXX.  10.28.20 - Exception satisfied. 
0530249070 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)
0691180213 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0354058155      
0593413797      
0796535686 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)
0952389631      
0222855349 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)
0651030603 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.21.20  Property Inspection report provided and no damage. 10.21.20  Exception Satisfied.
0492892232      
0644792561      
0005855354 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)
0083431819 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)
0295758151      
0459260952 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)
0964231553 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)
0235323884      
0695421721      
0699664677      
0572166970      
0379091873 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)
0867270331      
0041273965 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)
0041273965 Zero tolerance fee increased from LE XXX to CD XXX for the following fees in section B. Title-Archive Fee- $25.00 Title Courier 2-$ 65.00 Title-Doc Process/Deliver-$175.00 Letter of explanation, corrected Closing Disclosure, refund of $ 265, with proof of delivery within 60 days of consummation. 9.23.20 - Client responded. "Agree - No Change of Circumstance provided for the addition of the Title-Archive Fee- $25.00, Title Courier 2-$ 65.00 and Title-Doc Process/Deliver-$175.00 -Services borrower did not shop for on CD issued XXX . Remediation requested. 10.26.20 - Client responded. Post Consummation CD and fee tolerance refund check sent to borrower(s) on XXX . See attached PC CD.  9.23.20 - Exception remains. 10.26.20 - Exception satisfied. 
0670265197 FEMA declared disaster area XXX XXX, Clayton will order 11.6.20  Property Inspection Report received and no damage 11.6.20  Exception satisfied. 
0198017039 CD Disbursement Date is XXX. Consummation Date is XXX and Rescission Date per ROR is XXX Disbursement date is before end of statutory rescission period. 10.13.2020 Client Responded. " ""Agree - Per system of record, funds disbursed correctly on XXX after rescission expired; however, the CD Disbursement date is incorrectly listed as XXX. A Post Consummation CD with correct dates and letter to borrower required to remedy. Emailed CDCR to send a PC CD with correct disbursement and per diem date of XXX to the borrower(s)."" 11.13.20 - Client responded. Disagree - Post Consummation CD provided to borrower(s) on XXX with the correct disbursement and per diem interest dates. See attached PC CD.  10.13.2020 Exception Remains11.13.20 - Exception satisfied. 
0198017039 Approved Lender exception for reserves. Require 12 months PCL- $3580.28 x 12=$42,963.36. Liquid assets verified $29,538.13. The loan is XXX Refinance Rate/Term fixed rate loan with less than 50.00% LTV and a FICO score of 801 7.13.2020 Client responded. " Exception was no longer required. Assets - Reserve Requirements sufficient per guidelines. $3,580.28 x 12mo = $42,963.36 required PCL. XXX liquid assets verified $29,538.13 +XXX assets verified $289,237.66. Retirement assets are eligible to meet 50% of the transaction PCL requirement. "  7.13.2020 Exception Satisifed.
0198017039 Declaration Date; XXX  Effective Date; XXX Clayton to order PDI 10.13.20 - Property Inspection received and no damage.  10.13.20 - exception satisfied. 
0417628515      
0728948526      
0333488077 Missing signed CEMA.  9.10.20 - Client responded. CEMA attached 9.10.20 - Exception satisfied. 
0455902449 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)
0084821346      
0476344837 Lender approved exception for extension of XXX expiration date of appraisal for an additional 15 days. Clayton deems non-material due to the following compensating factors: Low LTV of 58%, established credit with strong equity position in not only subject, but real estate portfolio, lowering housing payment.  (No Data) (No Data)
0649206715 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)
0610011785 ROR disbursement date XXX, Final CD disbursement date XXX. PCCD required with a disbursement date of XXX Within 60 days of discovery. 8.27.20 - Client responded. Disagree - The loan disbursed on XXX which is after the Right to Cancel expiration of XXX. Closing Date is XXX The Right to Cancel expiration is correct at XXX. The consummation CD disclosed XXX as the disbursement date however the loan was not disbursed until XXX. A corrected CD showing disbursement and prepaid interest dates of XXX needs to be sent to the borrower(s). Remediation requested 10.2.20 - Client responded. Disagree - Post Consummation CD sent to borrower(s) with corrected Disbursement Date. See attached PC CD.  8.27.20 - Exception remains. 10.2.20 - Exception satisfied. 
0082613650 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)
0753691745      
0742748896 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)
0325025284 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)
0015089835 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)
0991493526 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)
0991493526 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.15.2020- Property Inspection received and no damage.  10.15.2020- Exception satisfied
0626110868 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)
0800824397 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)
0208254621      
0772537171 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.Exception satisfied. (No Data) (No Data)
0772537171 Borrower is XXX, missing CPA letter to verify employment. There are CPA letters in the file but only address items outside of the verification process. 10.23.20 - Client responded. "XXX was verified by the CPA XXX. VOE (underwriting notes) attached. Both XXX active and in good standing, see company data attached.  10.23.20 - Exception satisfied. 
0238789990 Natural Disaster Area declaration date XXX effective XXX due to XXX, with no subsequent inspection.  Clayton to order Property inspection. 11.24.20 - Property Inspection Report provided and no damage. 11.24.20 - Exception satisfied.
0894592066 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)
0442569352 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)
0112373829      
0131105577 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied. (No Data) (No Data)
0131105577 Note date XXX; disaster declaration date XXX, Clayton to order 11.5.20  Property Inspection Report received and no damage.  11.5.20  Exception satisfied. 
0126141213      
0847828801 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)
0571560931 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data) (No Data)
0571560931 Declaration Date XXX  Effective Date XXX Clayton to order Property inspection 11.4.20  Property Inspection report provided and no damage.  11.4.20  Exception satisfied. 
0207640450 Appraisal date  XXX; disaster effective date XXX Clayton will order. 11.11.20  Property Inspection Report provided and no damage.  11.11.20  Exception satisfied. 
0025078468 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.Exception satisfied. (No Data) (No Data)
0025078468 Approved lender exception for Having no recent housing history, Clayton deems non-material due to compensating factors, Low DTI of 28%; excellent savings pattern; borrower has had a credit file for 11 years and never lates, borrower 2 having credit file for 8 years with no lates as well. (No Data) (No Data)
0025078468 Approved lender exception for light credit/tradelines are very low B2 having only 1 credit account' Clayton deems non-material due to compensating factors of Low DTI of 28%, strong Savings pattern and having very small balance on CC. (No Data) (No Data)
0025078468 FEMA Declaration date XXX and Effective date XXX. Clayton to order property inspection 11.10.20  Property Inspection Report provided and no damage. 11.10.20  Exception satisfied. 
0584283672 Natural Disaster Area with declaration date of XXX effective date of XXX and no subsequent inspection.  Clayton to order. 11.23.20 - Property Inspection Report provided and no damage. 11.23.20 - Exception satisfied.
0283455109 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)
0677453701 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.13.20 - Property Inspection received and no damage.  10.13.20 - exception satisfied. 
0687205416 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied. (No Data) (No Data)
0687205416 FEMA declaration date XXX Effective XXX XXX #XXX Clatyon will order 11.4.20  Property Inspection report provided and no damage.  11.4.20  Exception satisfied. 
0534745580      
0545234837 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)
0841016345 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data) (No Data)
0086271256 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)
0086271256 Missing verification of hazard insurance on other real estate owned, XXX 10.19.20 - Client responded. inv: Estimated monthly homeowners' insurance of non-subject property XXX  is $147 - see page 3 of XXX attached. ATR adequately supported. 1- Strong residual income 2- Documented savings pattern 3- Substantial down payment from borrowers' own funds 4- Equity in other real estate owned 5- Excellent credit history 6- Conservative use of consumer credit  10.19.20 - Exception satisfied. 
0086271256 Missing subsequent property inspection completed after FEMA disaster effective XXX, Public Declaration #XXX, XXX. Clayton to order property inspection 10.19.20  Property Inspection Report provided and no damage.  10.19.20  Exception satisfied. 
0401673078 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)
0401673078 Declaration date XXX; Effective date XXX.  Clayton to order property inspection. 11.6.20  Property Inspection Report received and no damage 11.6.20  Exception satisfied. 
0851261852 Approved Lender exception for lack of housing reference for first time homebuyer. Clayton deems non-material due to the following compensating factors: Borrower has shown ability to save, 12 year credit history paid as agreed, DTI of 30.65% and additional assets not used.  (No Data) (No Data)
0863693678 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)
0863693678 Disaster date XXX Effective date XXX for XXX.  Clayton will order Property Inspection.  10.7.20 - Property Inspection received and no damage 10.7.20 - exception satisfied. 
0901190355 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)
0901190355 Declaration Date XXX  Effective Date XXX Clayton to order property inspection 11.4.20  Property Inspection report provided and no damage.  11.4.20  Exception satisfied. 
0474998423 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)
0989735360 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)
0053049074 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)
0120042142 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)
0120042142 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.5.20  Property Inspection Report received and no damage.  11.5.20  Exception satisfied. 
0459155422      
0737998363 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)
0550790086 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)
0550790086 Declaration Date XXX  Effective Date XXX. Clayton will order PDI.  11.5.20  Property Inspection Report received and no damage.  11.5.20  Exception satisfied. 
0909092405 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)
0909092405 FEMA Declaration date XXX and Effective date XXX. Clayton to order property inspection 11.4.20  Property Inspection report provided and no damage.  11.4.20  Exception satisfied. 
0774797559 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)
0792092840 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)
0975924570 Appraisal date XXX; disaster declaration date XXX, Clayton will order PDI.  11.3.20 - Property Inspection Report provided and no damage.  11.3.20 - Exception satisfied. 
0306625747 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)
0477561117 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.Exception  satisfied. (No Data) (No Data)
0072172385 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)
0072172385 Declaration Date XXX Effective Date XXX, Clayton to order Property Inspection.  9.30.20 - Property Inspection received and no damage.  9.30.20 - Exception satisfied. 
0465592008 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)
0465592008 VVOE dated XXX is more than 10 days of note date.    11.2.20 - Client responded. VVOE completed inside the stated requirements. The VVOE completed XXX was within 10 business days prior to the note date  XXX 11.2.20 - Exception satisfied. 
0465592008 The subject property is located in a FEMA disaster area for XXX with an effective date of XXX with no re-inspection in the file.  Appraisal is dated XXX. Clayton to order property inspection   11.5.20  Property Inspection Report received and no damage.  11.5.20  Exception satisfied. 
0698674168      
0830786330      
0573565278      
0599326192 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)
0599326192 Zero tolerance fee increased at closing without a valid reason. Survey fee of $875, refund issued in the amount of $636.46 leaving a difference of $238.54. 10.19.20 - Client responded. "Disagree - The Consummation CD executed on XXX discloses the Title-Survey fee of $875.00 was paid by the seller at closing. The seller paid amounts should not be included in the zero tolerance review. Per XXX testing methodologies there is no Fee Tolerance violation.  10.19.20 - Exception satisfied. 
0896950285 Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data) (No Data)
0896950285 Declaration Date XXX Effective Date XXX Clayton to order property inspection 11.10.20  Property Inspection Report provided and no damage. 11.10.20  Exception satisfied. 
0376596649 Require Trust documentation for XXX account ending in *XXX. XXX 11.2.20 - Client responded. Unable to locate trust documentation for XXX account ending in #XXX. However, borrower had sufficient reserves in XXX retirement account ending #XXX with balance of $411,398.68. 18 mo PCL requirement met. 11.2.20 - Clayton has reviewed and as funds were not needed for closing or reserves this exception can be satisfied.  11.2.20 - Exception satisfied. 
0204736277 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)
0410386993 No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.21.20  Property Inspection report provided and no damage. 10.21.20  Exception Satisfied.
0083642026 Natural Disaster Area with declaration date of XXX effective date of XXX and no subsequent inspection.  Clayton to order. 11.9.20  Property Inspection Report provided and no damages.  11.9.20  Exception satisfied. 
0762878730 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)
0762878730 Declaration date XXX; effective date XXX.  Clayton to order property inspection. 11.12.20 - Property Inspection Report provided and no damage.  11.12.20 - Exception satisfied. 
0149924642 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)
0374100642 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)
0374100642 Guidelines require if resident visa has expired that borrower provide Satisfactory confirmation that an application for extension has been submitted or renewal of the visa or an application for a permanent status (green card).Borrower's resident visa indicates type as H1B with an expiration date of 6-17-2019.Provide satisfactory documentation to meet guidelines for a non-permanent resident alien.   10.21.20 - Client responded. "Satisfactory documentation attached; I-797A Notice of Action. H1B valid from 6/18/19 to 6/17/22. 10.21.20 - Exception satisfied. 
0374100642 $300,981.13 in total assets documented. Effective amount is $295,227.14, with liquid assets of $286,596.15. Cash required to close $258,535.20 (ctc $221,785.20 + $36750 EMD not verified as cleared). Post close reserves are $36,691.94. Reserves required on subject property: $5604.57 x = $100,882.26. Short $64,190.32 reserve requirement. *Borrower closed on an investment property XXX #XXX onXXX which cost $45,400. Appears this file is missing asset documentation as borrower has a XXX account that is not verified and possibly sold additional stock that is not documented in this file.  10.21.20 - Client responded. """Assets sufficient. XXX $233,213.76 + XXX $181,940.25 + XXX checking XXX $3,634.21 ($49,034 - $45,399.79 executed Final Settlement Statement for purchase of investment property #XXX) = $418,788.22 liquid assets - $258,535.21 ($221,785.21 XXX + $36,750 EMD) = $160,253.01 liquid assets + XXX $8,630.99 ($14,384.98 x 60%) = $168,884 eligible reserves (PCL). * Final Settlement Statement attached * EMD $36,750 attached ""  10.21.20 - Exception satisfied. 
0374100642 Approved Lender exception for lack of recent housing history as non-borrowing spouse makes payments. Clayton deems non-material due to the following compensating factors: FICO 769, Low DTI, Residual income $11673 and 4 years on job. (No Data) (No Data)
0207627120 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)

 

Alt Loan Number TRID Error Type Cure Method Compensating Factors
0108667074 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$1,098,693.57 in total assets documented. Effective amount is $881,889.97, with liquid assets of $697,501.66. Cash required to close $353,476.84. Post close reserves are $528,413.13. Reserves required on subject property: $8602.54 x 36 (due to retaining departure home) = $309,691.44.Excess Post-closing reserves of $218,721.69.Additional retirement account of $93,878 not included in reserve calculation.
0663111754 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 796 is 116 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.87% is 18.13 points below the maximum allowable DTI of 43%.
0508640368 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.63%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $59,922.72. Verified $300,036.33
0508640368 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.63%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $59,922.72. Verified $300,036.33
0531111736     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 11.1 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 763 & 769 with the minimum credit score of 720.
0865993508 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.38% is 8.62 points below the maximum allowable DTI of 43%.
0874113761 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower Post close reserves are $313,581.97.  Reserves required are $103,600.44, exceeding guideline requirement
0949529794     CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned subject property for 9.95 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 24 years.  Co-borrower has been in same profession 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $189,450.64 in total assets documented.  Effective amount is $189,450.64, with liquid assets of $189,450.64.  Post close reserves are $189,450.64.  Reserves required $5,072.69 X 12 = $60,872.28..
0559571963 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60.33% is 19.67 below the maximum of 80%.
0793320563 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.78% is 15.22 points below the maximum allowable DTI of 43%.
0793320563 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.78% is 15.22 points below the maximum allowable DTI of 43%.
0638695792 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 792

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 20 years
0240643838 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.94% is 23.06 points below the maximum allowable DTI of 43%.
0322000158 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.07% , below guideline requirement of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $316,352.25 exceeds required guideline amount of $270,337.86
0322000158 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.07% , below guideline requirement of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $316,352.25 exceeds required guideline amount of $270,337.86
0035392109 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report the borrower has not had any late payments in the most recent 24 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their present employer since 2011.
0871708592     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 14.08% is below the maximum requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both Borrowers have significant time in their respective industries; Borrower 1 has been in his field for 14+ years , and has XXX for the past 8.77 years; Borrower 2 has been in her field of XXX for the past 10 years.
0052563378     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 20 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $198,471.01; required reserves $4955.14 x 12 = $59,461.68.
0717655250 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 764 is 84 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.57% is 19.43 points below the maximum allowable DTI of 43%.
0157615989 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented income averaging over the past 2.5 years of 15,100. month, which was not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers has reserves in excess of 149K PCL.
0157615989 Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented income averaging over the past 2.5 years of 15,100. month, which was not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers has reserves in excess of 149K PCL.
0157615989 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented income averaging over the past 2.5 years of 15,100. month, which was not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers has reserves in excess of 149K PCL.
0157615989 Not Applicable Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented income averaging over the past 2.5 years of 15,100. month, which was not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers has reserves in excess of 149K PCL.
0341769682 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $74,501.04. Verified $285,838.14

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801
0523917325 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.28%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786
0725258392 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 794 is 114 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70.24% is 9.76 below the maximum of 80%.
0848192613     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI IS 23.97%  less than guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has spent 15 years at job.
0696275262 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 51 months verified cash reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a mid credit score of 763.
0696275262 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 51 months verified cash reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a mid credit score of 763.
0716594672     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below the required maximum of 43%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional documented income not used
0240361118     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.86% is below required maximum of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 7 years, and has been in the industry for 17+ years.
0497572825 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 6 years and 10 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 7 years for co borrower.
0010223216 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 96 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.52% is 7.48 points below the maximum allowable DTI of 43%.
0241257219     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 4 years and 5 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 17 years.
0502181836 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.03% is 14.97 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 805 is 125 points above the minimum required score of 680.
0036901355     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.04% is 6.96 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 798 is 118 points above the minimum required score of 680.
0398270338 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.  Co-borrower has been in same profession for 16 years/

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $712,281.25 in total assets documented. Effective amount is $550,564.51, with liquid assets of $173,225.43. Post close reserves are $407,906.26. Reserves required $4,504.46 X 12 = $54,053.52.
0398270338 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.  Co-borrower has been in same profession for 16 years/

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $712,281.25 in total assets documented. Effective amount is $550,564.51, with liquid assets of $173,225.43. Post close reserves are $407,906.26. Reserves required $4,504.46 X 12 = $54,053.52.
0783431435 (No Data) Not Applicable CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  0

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 812; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 80.00%; guidelines allow a maximum LTV 85.00%.
0783431435 (No Data) Not Applicable CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  0

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 812; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 80.00%; guidelines allow a maximum LTV 85.00%.
0388416748 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.83% max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51 months PITI reserves verified, 12 months required.
0409144310 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 22.10% is well below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Current cash reserve post closing is $1,961,914.75 per guidelines PCL requirement is 12 months=$95,186.40 exceeding the guideline requirement.
0444954680     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.68%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $86,948.16. Verified $745,707.11
0360471430 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.94% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50.28 % LTV below guideline requirement 80% LTV
0360471430 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.94% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50.28 % LTV below guideline requirement 80% LTV
0055419740     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 815; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 18.48%; guidelines allow a maximum DTI 43.00%.
0566829310 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 12 years.  Co-borrower has been in same profession for 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $381,337.69 in total assets documented.  Effective amount is $381,337.69, with liquid assets of $381,337.69.  Post close reserves are $257,398.89.  Reserves required $4,677.17 X 12 = $56,126.04.
0566829310 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 12 years.  Co-borrower has been in same profession for 14 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $381,337.69 in total assets documented.  Effective amount is $381,337.69, with liquid assets of $381,337.69.  Post close reserves are $257,398.89.  Reserves required $4,677.17 X 12 = $56,126.04.
0918501594 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18%, max 45%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on the same job for 20 years.
0918501594 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18%, max 45%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on the same job for 20 years.
0758960867     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 8 years and 1 month.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 26 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 7 years and 3 months.
0693472943 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.33% is 8.67 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680.
0814327807 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 11.86 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 6.57 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $669,237.11 in total assets documented.  Effective amount is $562,132.43, with liquid assets of $312,218.18.  Post close reserves are $341,356.98.  Reserves required $5,027.78 X 12 = $60,333.36.
0829909146 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 10 years and 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 10 years and 5 months.
0829909146 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 10 years and 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 10 years and 5 months.
0971658429 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 798

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $56,513.88. Verified $162,602.88
0616706387 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 119 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.45% is 7.55 points below the maximum allowable DTI of 43%.
0135143277 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $76,971.72. Verified $934,515.22

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.58%
0180822012 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$2,142,552.89 in total assets documented. Effective amount is $1,589,641.03, with liquid assets of $989,465.72. Cash required to close $578,436.97. Post close reserves are $1,011,204.06. Reserves required on subject property: $10,533.60 x 6 = $63,201.60.Excess Post-closing reserves of $948,002.46.
0180822012 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$2,142,552.89 in total assets documented. Effective amount is $1,589,641.03, with liquid assets of $989,465.72. Cash required to close $578,436.97. Post close reserves are $1,011,204.06. Reserves required on subject property: $10,533.60 x 6 = $63,201.60.Excess Post-closing reserves of $948,002.46.
0180822012 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$2,142,552.89 in total assets documented. Effective amount is $1,589,641.03, with liquid assets of $989,465.72. Cash required to close $578,436.97. Post close reserves are $1,011,204.06. Reserves required on subject property: $10,533.60 x 6 = $63,201.60.Excess Post-closing reserves of $948,002.46.
0881116154 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 754 is 74 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.24% is 8.76 points below the maximum allowable DTI of 43%.
0484729634 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 817

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $71,391.96. Verified $183,991.75
0675958762 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement per guidelines is 18 months or $76,191.00, Borrower having cash reserves of $420,957.63

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 18.06%, max allowed per guidelines 43%
0675958762 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement per guidelines is 18 months or $76,191.00, Borrower having cash reserves of $420,957.63

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 18.06%, max allowed per guidelines 43%
0881967675     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 762 is 82 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 43.57% is 36.43 below the maximum of 80%.
0019446188 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.44%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $97,668.24. Verified $639,807.38
0917721106 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.81% is 11.19 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 is 122 points above the minimum required score of 680.
0881254570 (No Data) Not Applicable CFCFS3840: Borrower has experience in excess of JCF minimum
- Clayton Comments:  Borrower1 has been in industry for long time

CFCFS2860: Good credit history
- Clayton Comments:  B1 and b2 have very good credit history

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI calculated is 34.06% which is below the maximum requirement of 43%
0445113582 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.58 % DTI below guideline max of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  48 verified cash reserves exceeds guidelines
0929860760 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.84%
0929860760 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.84%
0929860760 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.84%
0876121680 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 13.19 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $458,697.40 in total assets documented.  Effective amount is $411,785.96, with liquid assets of $411,785.96.  Post close reserves are $218,934.92.  Reserves required $3,882.48 X 12 = $46,589.76.
0328395532 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $108,150.30. Verified $462,178.55

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797
0328395532 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $108,150.30. Verified $462,178.55

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797
0328395532 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $108,150.30. Verified $462,178.55

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797
0826624297 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 773 and minimum required is 680.
0000874602 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.87%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 796
0334429155     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B2 FICO 736

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is with same employer for 22 years
0797253156 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.50% with max DTI of 43%.
0950349243 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 786 is 106 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.19% is 12.81 points below the maximum allowable DTI of 43%.
0810490042 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $76,797.36. Verified $193,236.03

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 785
0807034540 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 16.68 yearas.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 26.79 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 16.671% is 26.329% below the maximum of 43% DTI.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $758,001.61 in total assets documented.  Effective amount is $674,112.82, with liquid assets of $478,372.32.  Post close reserves are $344,763.89.  Reserves required $5,701.82 X 12 = $68,421.84.
0654083385 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 33.91% guideline max allowed is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are $282,529.07; PCL requirement is $82,569.84
0861011284 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 815 is 135 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.67% is 17.33 points below the maximum allowable DTI of 43%.
0610250280 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 is 88 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.78% is 11.22 points below the maximum allowable DTI of 43%.
0610250280 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 is 88 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.78% is 11.22 points below the maximum allowable DTI of 43%.
0115955504     CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 5 years in the same profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $486,136.40 or 73.34 months PITI.  Guidelines require 18 months $6,628.73 x 18 = $119,317.14.
0697853204     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $61,214.94. Verified $855,999.81
0980985167 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower on same job for 23 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,213,217.39 Total assets documented,  Effective amount is $1,213,217.29, with Liquid Assets of $518,469.07.  Post reserves are $1,091,613.76.   Guidelines require 18 months reserves $8,945.66x18= $161,021.88
0522218142 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is within required maximum of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been at current job for more than 4 years and has been in the industry for 14years. Borrower 2 has been at her job for more than 4 years and in the industry for 7 years.
0119562006 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.58% is 27.42 points below the maximum allowable DTI of 43%.
0110859175 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 795; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 36.39%; guidelines allow a maximum DTI 43.00%.
0918566228 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 credit score 778

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.07%
0367007735 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.74 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  66 months Verified cash reserves exceeds guidelines required 18 months
0073489475 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.83%, Max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  256 months PITI reserves verified, 12 months required.
0272445128 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.67 % below guideline requirement of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 786.
0603365057 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 811

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.25%
0251112157 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Good credit history with middle score 744.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Postive mortgage payment history.
0763457022 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.61% < guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower credit score of 700 exceeds guideline min of 680. Borrower 2 mid score is 787.
0763457022 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.61% < guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower credit score of 700 exceeds guideline min of 680. Borrower 2 mid score is 787.
0865286925 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.26%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $48,811.32. Verified $171,681.50
0865286925 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.26%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $48,811.32. Verified $171,681.50
0343345563 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 745 is 65 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.52% is 6.48 points below the maximum allowable DTI of 43%.
0315013875 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.04% DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV below guideline max of 80%
0198124260 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 790; guidelines allow a minimum Credit Score 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have a good credit history, minimal outstanding debt, and a very conservative credit user.
0127771182     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 798

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $78,684.00. Verified $410,575.50
0160723259 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 798 is above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.07% is below the maximum allowable DTI of 43%.
0160723259 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 798 is above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.07% is below the maximum allowable DTI of 43%.
0299263278 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 30.64%; guidelines allow a maximum DTI 43.00%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history, minimal outstanding debt, and very conservative credit users.
0401227740 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 801 & 800 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 30.73% with a max DTI of 43%.
0218103219 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 11.85 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,990,501.98 in total assets documented.  Effective amount is $1,649,345.38, with liquid assets of $792,376.44.  Post close reserves are $898,583.75.  Reserves required $11,785.87 X 12 = $141,430.44.
0155969028 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.08% is 9.92 points below the maximum allowable DTI of 43%.
0155969028 Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.08% is 9.92 points below the maximum allowable DTI of 43%.
0255344613 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 12 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 5 years and 4 months.
0652510221 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.63 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 25.83 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $602,087.95 in total assets documented.  Effective amount is $602,087.95, with liquid assets of $602,087.95.  Post close reserves are $342,914.40.  Reserves required $4,271.25 X 12 = $51,255.
0652510221 Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 10.63 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 25.83 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $602,087.95 in total assets documented.  Effective amount is $602,087.95, with liquid assets of $602,087.95.  Post close reserves are $342,914.40.  Reserves required $4,271.25 X 12 = $51,255.
0973511372 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the present employer for greater than 5 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Coborrower has been with the present employer for greater than 4 years.
0951628822 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 791

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $120,981.78. Verified $224,158.38
0114264576 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 786 is 106 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.17% is 9.83 points below the maximum allowable DTI of 43%.
0940581305 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.04%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $44,396.04. Verified $71,350.13
0205571644 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 13 years both borrowers.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $186,216.49 exceed reserves required of $79,564.56 .
0498944459 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers 802 credit score exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  591 verified cash reserves exceed guidelines
0498944459 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers 802 credit score exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  591 verified cash reserves exceed guidelines
0707533834     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 20 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co=Borrower has significant time in Profession with 15 years.
0498164247 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.06%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 787 fico
0401600212 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in the same profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 FICO

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $105,211.64 or 19.64 months PITI.  Guidelines require 18 months $5,363.79 x 18 = $96,548.22.
0594075285 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 802 & 809 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 24.40% with a max DTI of 43%.
0594075285 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 802 & 809 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 24.40% with a max DTI of 43%.
0587716271 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 780 and minimum 680.
0994133062 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 12 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 12 years and 3 months.
0454675948 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.58 % DTI below guideline max of 43 %

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  74% LTV below  guideline max of 80%
0599310963 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned their present residence for 6.12 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 5.73 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 8.20 years.
0559878991 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned their present residence for 9.70 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 17.56 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 8.51 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  69 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,010,855.39 in total assets documented. Effective amount is $993,282.97, with liquid assets of $835,131.21. Post close reserves are $88,174.54. Reserves required $6,479.11 X 12 = $62,137.56.
0127638590 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.34 years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $625,388.46 in total assets documented.  Effective amount is $545,925.74, with liquid assets of $360,512.73.  Post close reserves are $248,469.08.  Reserves required $6,327.16 X 12 = $75,925.92.
0653657653 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 13 years and 1 month.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 13 years and 1 month.
0546417664 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 799; guidelines allow a minimum Credit Score 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower is a very conservative credit user with minimum outstanding debt.
0546417664 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 799; guidelines allow a minimum Credit Score 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower is a very conservative credit user with minimum outstanding debt.
0509870218 (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years and 10 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 13 years for co borrower.
0745768754 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.16% is 16.84 points below the maximum allowable DTI of 43%.
0745768754 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.16% is 16.84 points below the maximum allowable DTI of 43%.
0745768754 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.16% is 16.84 points below the maximum allowable DTI of 43%.
0415695316     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $60,122.88. Verified $1,585,071.76

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.15%
0322451755 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 808; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI 16.58%; guidelines allow a maximum DTI 43.00%.
0866205783 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $63,737.52- Verified Post Closing Reserves in the amount of $367,191.75

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B2 FICO 812
0267146795 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of six years and 5 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of six years and 5 months.
0271652852 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 25 years
0998165035     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 792 is above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.39% is below the maximum allowable DTI of 43%.
0536883221 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $62,719.80. Verified $159,982.59

CFCFS2854: Significant time in profession
- Clayton Comments:  B is in the same profession for 13 years
0985476994 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68% and maximum allowed is 80%.
0203877868     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 798

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $70,415.64. Verified $455,243.02
0358217181 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history-814 middle score.
0336476195 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.29% DTI below guideline max.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co -borrower has been with current employer for 5 years
0304571261 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 798 is 118 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.15% is 3.85 points below the maximum allowable DTI of 43%.
0304571261 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 798 is 118 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.15% is 3.85 points below the maximum allowable DTI of 43%.
0653636459 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.50% and maximum allowed is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 774 and minimum required is 680.
0090301796 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 787 and minimum required is 680.
0423784549 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.69 % DTI below guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for more than 6 years
0890823797 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 18.58% guideline max allowed is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement 18 months or $190,778.40. Borrowers having cash reserves of $1,110,359.80 well exceeds the requirement
0833337206 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 754 is above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.66% is below the maximum allowable DTI of 43%.
0824826528     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $184,602.16; required reserves $6269.46 x 12 = $75,233.52.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 808 and required minimum is 680.
0216149541     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  16.41 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  37.83% LTV below guideline max of 80%
0953358945 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $105,937.74. Verified $597,220.70

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 56.65%. Max LTV/CLTV 80.00%
0015164909 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.93% is below maximum DTI of 43% required for QM products.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 10 years.
0015164909 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.93% is below maximum DTI of 43% required for QM products.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 10 years.
0928543093 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.43% is 26.57 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 736 is 56 points above the minimum required score of 680.
0928543093 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.43% is 26.57 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 736 is 56 points above the minimum required score of 680.
0928543093 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.43% is 26.57 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 736 is 56 points above the minimum required score of 680.
0240968704 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with the same company for 14 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.00%
0240968704 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with the same company for 14 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.00%
0240968704 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with the same company for 14 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.00%
0225800508     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 794; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 24.12%; guidelines allow a maximum LTV 43.00%.
0859618238 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 25 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 800 and required minimum is 680.
0967105438 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 40 months verified cash reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have a verified DTI of 28.23%.
0868414709 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  81 months PITI reserves verified, 12 months required.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has documented bonus income that is not used to qualify.
0817119590 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 Credit score exceeds guidelines 740score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  28 months of verified cash reserves exceed guidelines required 18 months
0476500505 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in same profession.  co-borrower has 7 years in same profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,182.208.40 in total assets documented.  Effective amount is $1,088,109.49, with liquid assets of $868,545.37.  Post close reserves are $866,692.20.  Reserves required $5,913.48 X 12 = $70,961.76.
0494015309 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.77%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $115,870.14. Verified $168,113.83
0494015309 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.77%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $115,870.14. Verified $168,113.83
0578085079 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 789 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.37% Guidelines Require 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.38% LTV / CLTV Required LTV / CLTV 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Provided Reserves Post Close Reserves $480,135.85 or 155.90 Months PITIA Required Reserves; 12
0638548768 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $152,461.44. Verified $667,147.89

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B2 FICO 791
0294533209 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 is 63 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.38% is 4.62 points below the maximum allowable DTI of 43%.
0458119244 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 767 is 87 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.73% is 19.27 points below the maximum allowable DTI of 43%.
0458119244 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 767 is 87 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.73% is 19.27 points below the maximum allowable DTI of 43%.
0615086693 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  744,995.30 post closing cash reserves; 148.63 months PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 14.58 years.
0816058588 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 794 is 114 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.79% is 8.21 points below the maximum allowable DTI of 43%.
0704632711 (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have been at their present residence for 9.58 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 9.02 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,164,876.48 in total assets documented.  Effective amount is $1,000,069.09, with liquid assets of $752,858.00.  Post close reserves are $655,783.78.  Reserves required $7,586.13 X 12 = $91,033.56.
0679120359 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.03 % DTI below guideline max

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 Fico score  exceeds guideline requirement of 740
0182328036 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 762 is 82 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.63% is 7.37 points below the maximum allowable DTI of 43%.
0210509784 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary wage earners, B2, Credit Score 823; guidelines allow a minimum Credit Score 720.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have a very good credit history; conservative credit users; and minimal outstanding debt.
0913696575 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 30 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Postive mortgage payment history.
0857176046 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $150,894.36. Verified $468,206.95

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 782
0857176046 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $150,894.36. Verified $468,206.95

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 782
0942895741 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 90 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.85% is 7.15 points below the maximum allowable DTI of 43%.
0048624722 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.64% is 20.36 points below the maximum allowable DTI of 43%.
0048624722 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.64% is 20.36 points below the maximum allowable DTI of 43%.
0277208129 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $81,431.28. Verified $267,428.28

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 20 years
0424249906 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has significant time on present job and industry.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  73 months reserves verified, 12 months required.
0757925452 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 2 has significant time in Profession with 7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 792 & 801 with a minimum credit score of 720.
0889856601 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $154,512.90. Verified $240,520.40

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.55%
0889856601 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $154,512.90. Verified $240,520.40

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.55%
0405737091 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 is 126 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.50% is 8.5 points below the maximum allowable DTI of 43%.
0635712206 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 15 years in profession

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Per credit report, borrower has had no lates for over 24 months on subject property.
0347013010     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 19 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x50.
0696525966 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 782 & 807 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 20.09% with a max DTI of 43%.
0696525966 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 782 & 807 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 20.09% with a max DTI of 43%.
0786649658 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 33.07% guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower exceeding the guidelines for cash reserves having $1,022,877.94
0786649658 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 33.07% guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower exceeding the guidelines for cash reserves having $1,022,877.94
0840420060     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 27 years 8 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $655,856.08 or 137.89 months PITI
0798748727 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $191,050.92; borrower having cash reserves of $557,301.96

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower being XXX for over 10 years
0477959919 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.97% is 5.03 points below the maximum allowable DTI of 43%.
0028342335     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 8 years and 1 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 11 years.
0283538504     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.58 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 14 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  25 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $717,950.62in total assets documented.  Effective amount is $682,583.29, with liquid assets of $629,532.29.  Post close reserves are $682,583.29.  Reserves required $200,932.56.
0515861615 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 714 is 34 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.21% is 9.79 points below the maximum allowable DTI of 43%.
0153965597 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 42.35%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 10.35%; guidelines allow a maximum DTI 43.00%.
0153965597 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV 42.35%; guidelines allow a maximum LTV 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 10.35%; guidelines allow a maximum DTI 43.00%.
0462218083 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.29% is 13.71 points below the maximum allowable DTI of 43%.
0950114141 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 17 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $744,241.24 in total assets documented.  Effective amount is $744,241.24, with liquid assets of $744,241.24.  Post close reserves are $364,195.39.  Reserves required $8,397.76 X 12 = $100,7773.12.
0121094001 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.02% is 24.98 points below the maximum allowable DTI of 43%.
0121094001 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.02% is 24.98 points below the maximum allowable DTI of 43%.
0521063742 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $452,798.71 which exceeds the PCL requirement of 18 months ($103,060.62)

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having significant time in profession of over 8 years
0521063742 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves $452,798.71 which exceeds the PCL requirement of 18 months ($103,060.62)

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having significant time in profession of over 8 years
0294003317     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.18% below guideline requirement 43% by 19.82%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $572,423.54 or 123.75 months PITI
0998854954     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 18 years in the same profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $261,858.01 or 39.02 months PITI.  Guidelines require 18 months $6,710.20 x 18 = $120,783.60.
0220362917     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.00%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $93,373.38. Verified $245,767.21
0724799875 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $123,066.18. Verified $1,044,455.82

CFCFS2854: Significant time in profession
- Clayton Comments:  B is in the same profession for 30 years
0513213102 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 793 and minimum required is 680.
0513718560 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $155,754.18. Verified $567,513.93
0668504021     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession as a XXX for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $142,811.28. Verified $201,528.73
0774389125     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 17.2 years.
0969917984 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 773 is 93 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.10% is 10.90 points below the maximum allowable DTI of 43%.
0067233363 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 23 years.

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history 793.
0878337307 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 801 and minimum required is 680.
0561756497 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 7 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 6 years and 1 months of prior home.
0642309332 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 119 points above the minimum required score 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 40.01% is 2.99 points below the maximum allowable DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,069,430.68. Reserves required $8360.84 x 18 = $150,495.12.  Excess cash reserves of $918,935.56.
0115538976 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower 1 credit score exceeds guidelines at 774 with a minimum credit score of 720.
0064839384 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 789 is 89 points above the minimum required score of 700 for loan amounts over 2 million.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.38% is below the maximum allowable DTI of 43%.
0860566688 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 24.92% well below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $159,896.98, reserves required are $80404.38
0103870378 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 786 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.81% and maximum allowed is 43%.
0207917208 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $148,768.20. Verified $269,710.06

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 806
0207917208 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $148,768.20. Verified $269,710.06

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 806
0611465074 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's cash reserves $495,622.73 exceed required reserves of $107,471.76

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 40 years in current profession as XXX; B2 has 31 years in current profession as XXX.
0185840551 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.3% below guideline requirement of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 801
0496345139 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $85,362.89, borrower having cash reserves of $187,792.48

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 16 years as a XXX.
0496345139 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $85,362.89, borrower having cash reserves of $187,792.48

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 16 years as a XXX.
0496345139 Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $85,362.89, borrower having cash reserves of $187,792.48

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 16 years as a XXX.
0496345139 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $85,362.89, borrower having cash reserves of $187,792.48

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 16 years as a XXX.
0327850429 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 813 and minimum required is 680.
0017284885 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.06% DTI below guideline max of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  67 months of verified cash reserves exceeds guidelines of 18 months reserves
0931693778 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 783

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $93,983.40. Verified $390,623.83
0931693778 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 783

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $93,983.40. Verified $390,623.83
0995206598 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 32 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 60% and maximum allowed is 80%.
0482718964     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 is 86 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.32% is 17.68 points below the maximum allowable DTI of 43%.
0541795107 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 801 and minimum required is 680.
0357108783     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  FICO 811

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower is in the same profession for 19 years
0633346882 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 762 is 82 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.86% is 12.14 points below the maximum allowable DTI of 43%.
0063546990 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,434,014.20 in total assets documented. Effective amount is $1,434,014.20, with liquid assets of $1,434,014.20. Post close reserves are $1,102,518.86. Reserves required $6512.49 x 20 (18 plus 2 due to start of employment after closing) = $130,249.80.   Excess post closing reserves $972,269.06.
0063546990 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,434,014.20 in total assets documented. Effective amount is $1,434,014.20, with liquid assets of $1,434,014.20. Post close reserves are $1,102,518.86. Reserves required $6512.49 x 20 (18 plus 2 due to start of employment after closing) = $130,249.80.   Excess post closing reserves $972,269.06.
0063546990 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,434,014.20 in total assets documented. Effective amount is $1,434,014.20, with liquid assets of $1,434,014.20. Post close reserves are $1,102,518.86. Reserves required $6512.49 x 20 (18 plus 2 due to start of employment after closing) = $130,249.80.   Excess post closing reserves $972,269.06.
0063546990 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,434,014.20 in total assets documented. Effective amount is $1,434,014.20, with liquid assets of $1,434,014.20. Post close reserves are $1,102,518.86. Reserves required $6512.49 x 20 (18 plus 2 due to start of employment after closing) = $130,249.80.   Excess post closing reserves $972,269.06.
0650001406 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 697 is above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.61% is below the maximum allowable DTI of 43%.
0491384475 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: $532,301.12 in total assets documented. Effective amount is $437,519.89, with liquid assets of $437,519.89. Cash required to close $274,567.36. Post close reserves are $162,952.53. Reserves required on subject property: $6632.07 x 18 = $119,377.26 + XXX $745 = $120,122.26. Excess Post-closing reserves of $42,830.27.
0491384475 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: $532,301.12 in total assets documented. Effective amount is $437,519.89, with liquid assets of $437,519.89. Cash required to close $274,567.36. Post close reserves are $162,952.53. Reserves required on subject property: $6632.07 x 18 = $119,377.26 + XXX $745 = $120,122.26. Excess Post-closing reserves of $42,830.27.
0469315665     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 is 63 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.72% is 10.28 points below the maximum allowable DTI of 43%.
0484329354     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 806

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $98,543.34. Verified $152,942.60
0551755300 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.01% DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 credit score exceeds guidelines of 740
0567702570 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.08% is 4.92 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 is 123 points above the minimum required score of 680.
0992528104     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement $153,480.86, borrowers cash reserves are $221,349.70 which exceeds the requirement per guidelines
0454851797     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 757 with a minimum credit score of 720.
0770864774 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $308,678.38 or 46.80 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.91% below guideline requirement of 43% by 19.09%
0770864774 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $308,678.38 or 46.80 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.91% below guideline requirement of 43% by 19.09%
0108926130 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 793 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.59% with a max DTI of 43%.
0108926130 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 793 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.59% with a max DTI of 43%.
0336784005     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 is employed with same company for 14 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is employed with the same company for 18 years
0240103832 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.96%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 770
0361931454 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV / CLTV Required LTV / CLTV 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 778 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.56% Guidelines Require 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Provided Reserves Post Close Reserves $694,882.47 or 105.26 Months PITIA Required Reserves; 12
0796963421 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 6.43 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have a 34.12% back end DTI.
0553335943 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 807 and minimum required is 807.
0457447762 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 15 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 813
0693260565 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 55.32% is 24.68 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.13% is 11.87 points below the maximum allowable DTI of 43%.
0135587452 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.67% is 4.33 points below the maximum allowable DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$1,810,522.39 in total assets documented. Effective amount is $1,607,756.97, with liquid assets of $1,303,608.83. Cash required to close $327,137. Post close reserves are $1,280,619.97. Reserves required on subject property: $8110.86 x 18 = $145,995.48.Excess Post-closing reserves of $1,134,624.49.
0092104266 Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 34.19% guideline max allowed is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are $288,187.92, PCL requirement is $111,344.40
0111569734 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.57%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 814
0588864400 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 17 years in the same profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  45 mo. 0x30 mortgage payment history.
0588864400 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 17 years in the same profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  45 mo. 0x30 mortgage payment history.
0588864400 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 has 17 years in the same profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  45 mo. 0x30 mortgage payment history.
0329534893     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 815

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.38%
0079351270 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 792

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $91,668.96. Verified $138,401.07
0125269413     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.13%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 35%
0682530958 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI is 32.32%, guideline max allowed is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Guideline max allowed is 80%, current LTV at 75.60%
0790045144 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $142,046.82. Verified $616,380.00
0356437285 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 16 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $61.903.26. Verified $86,722.89
0356437285 Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 16 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $61.903.26. Verified $86,722.89
0389105477 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 is 88 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.76% is 8.24 points below the maximum allowable DTI of 43%.
0389105477 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 768 is 88 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.76% is 8.24 points below the maximum allowable DTI of 43%.
0549719371 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.38%
0890013613     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.63%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $107,514.72. Verified $127,855.87
0282207141 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 22 years
0180898808     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 is 86 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.56% is 21.44 points below the maximum allowable DTI of 43%.
0872965868     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves of $226,418.36 exceed guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower's credit report reflect no public records and no derogatory credit history.
0843780776 (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 income not included, less than 2 years on job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 806
0148086109 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 54.54%
0878848656 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 787

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $170,369.10. Verified $363,195.76
0878848656 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 787

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $170,369.10. Verified $363,195.76
0802211406 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 817
0802211406 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 817
0698008705 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.51% is below maximum DTI of 43% required for QM products.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent credit history, all debts paid as agreed.
0007194881 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in the same profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history of 0x30 for 48 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.41% is below guideline requirement of 43% by 26.59%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  815 FICO
0179228955 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 32.89%, guideline max allowed is 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 having been with same employer for over 6 years.
0571384087     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 780 is 100 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.44% is 13.56 points below the maximum allowable DTI of 43%.
0431125590 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $91,053.90. Verified $935,239.94

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 751
0431125590 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $91,053.90. Verified $935,239.94

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 751
0707587339     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the XXX profession for 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $131,583.24. Verified $812,784.36
0959853961 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.16%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 767
0740414867 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 772 is 92 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.39% is 8.61 points below the maximum allowable DTI of 43%.
0740414867 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 772 is 92 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.39% is 8.61 points below the maximum allowable DTI of 43%.
0461929860 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 8 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x29.
0461929860 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 8 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x29.
0625352697 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $120,400.74 or 30.57 months PITI
0375155506 (No Data) Not Applicable CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower's net worth is $1,288,449.36

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.69% is below maximum DTI of 43% required for QM products.
0681286102 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$350,949.53 in total assets documented. Effective amount is $350,949.53, with liquid assets of $350,949.53. Cash required to close $222,610.39. Post close reserves are $128,339.14. Reserves required on subject property: $5786.25 x 18 = $104,152.50.Excess Post-closing reserves of $24,186.64.
0871967407 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 820 is 140 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 74.07% is 5.93 below the maximum of 80%.
0466731959 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 798 is 118 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.96% is 8.04 points below the maximum allowable DTI of 43%.
0702030408 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $100,962.00. Verified $317,569.50
0702030408 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 808

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $100,962.00. Verified $317,569.50
0937329055     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 784

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $127,192.86. Verified $486,850.38
0014665335 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 809

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $114,976.08. Verified $561,568.77
0641789900     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 10.99% is below maximum DTI of 43% required for QM products.

CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower's net worth is $1,711,024.13
0685380940 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score  is 784 and minimum required is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have over 8 years of no late pays on mortgages.
0685380940 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score  is 784 and minimum required is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have over 8 years of no late pays on mortgages.
0126721396 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.61% is below maximum DTI 43% required for QM products.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is XXX for over 30 years.
0126721396 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.61% is below maximum DTI 43% required for QM products.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is XXX for over 30 years.
0612751179 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has significant time at current job of 21 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL required $73,503.12; Borrower having $489,442.88 in cash reserves.
0758206539 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 779

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $106,350.66. Verified $822,003.49
0377851782 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $104,860.44. Verified $172,415.31

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 791
0471424828 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 791

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $132,800.40. Verified $206,858.30
0471424828 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 791

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $132,800.40. Verified $206,858.30
0709682102 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $89,791.38. Verified $850,551.35
0550573113 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in profession as an XXX; Co-borrower have 12 years in profession in XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower verified PCL reserves $631,499.47 which exceed the required reserves of $81,941.40
0089588972 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.67% is 18.33 below the maximum of 80%.
0089588972 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.67% is 18.33 below the maximum of 80%.
0089588972 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 127 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.67% is 18.33 below the maximum of 80%.
0329231416 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 792

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $134,106.84. Verified $911,115.20
0329231416 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 792

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $134,106.84. Verified $911,115.20
0167677895 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.52%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 774
0167677895 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.52%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 774
0424397715     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $113,285.88. Verified $1,215,065.71
0106666472 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same company for over 13 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 having been in profession for over 13 years
0684783929 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 804

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $71,166.96. Verified $181,443.19
0581140909 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.91%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $125,658.90. Verified $1,295,940.73
0426796867 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 770

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.47%
0313177630     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $44,909.01. Verified $522,150.00

CFCFS2854: Significant time in profession
- Clayton Comments:  B is in the same profession for 25 years
0161149574 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 804

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 48.05%
0323770510 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $86,655.15. Verified $565,848.86
0011620504 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.44% is 13.56 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70% is 10 below the maximum of 80%.
0065512158 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 17.3% below max guideline requirement of 43%

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower is an XXX and his income stream has not been effected by COVID. B1 income has increased by 10% last year and will like meet or exceed that percentage.
0847938121 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.78% is 13.22 points below the maximum allowable DTI of 43%.
0847938121 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.78% is 13.22 points below the maximum allowable DTI of 43%.
0847938121 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.78% is 13.22 points below the maximum allowable DTI of 43%.
0934756940 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time in industry of over 20+ years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.37% which is below the required maximum of 43%
0754354325 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 798

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $93,769.80. Verified $285,194.54
0754354325 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 798

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $93,769.80. Verified $285,194.54
0814621234 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 760 is above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.20% is below the maximum allowable DTI of 43%.
0207388456 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $1.066,748.99 exceed guideline required reserves of $61,669.80

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 32 years in same profession as a XXX
0399139623     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  169 months PITI reserves verified, 12 months required.
0524549904 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 96  points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.59% is 10.41 points below the maximum allowable DTI of 43%.
0367208436 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 8 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 38.194% with max DTI of 43%.
0654636177 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.91% < guideline requirement of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $483,656.05 exceeds reserves required of $ 77,869.32
0667820348 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  FICO 797

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $68,506.80. Verified $185,638.60
0799077256 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 30 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $75,674.04. Verified $2,543,627.31
0699764711 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 806 & 800 with the minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.30% with the minimum DTI of 43%.
0489792248 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.64%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 792
0661592427 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$449,515.70 in total assets documented. Effective amount is $449,515.70, with liquid assets of $449,515.70. Post close reserves are $299,939.16. Reserves required $5452.21 x 12 (Based on app date of 2-24-20) = $65,426.52 + XXX $4644 = $70,070.52.Excess post-closing reserves of $229,868.64.
0661592427 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 is 128 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$449,515.70 in total assets documented. Effective amount is $449,515.70, with liquid assets of $449,515.70. Post close reserves are $299,939.16. Reserves required $5452.21 x 12 (Based on app date of 2-24-20) = $65,426.52 + XXX $4644 = $70,070.52.Excess post-closing reserves of $229,868.64.
0990956930 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 30.12%, guideline max allowed is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in finance for 20 plus years
0701510973 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 4 years 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 4 years and 3 months.
0542490622 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $54,826.44. Verified $413,229.71

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.46
0298662993 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession as a XXX for 17 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.90%
0678631671     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.83% which is under max of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years
0303228682     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO 775

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 15 years
0969452800 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  current DTI 30.99% which is below the guideline max allowed of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV at 65%, guideline max is 80%
0435642713 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job and 15 years in the XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.44% is less than the maximum required of 43%
0951112238 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 17.71% is below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves after closing $1,746,211.95 far exceeds the PCL requirement of $142,465.56.  Borrower having 146 months of PCL.
0394461457 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.14% is 7.86 points below the maximum allowable DTI of 43%.
0610037072     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 19.6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 2 has significant time in Profession with 22.4 years.
0301141698 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 756 and minimum required is 680.
0431986178 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.72% is 14.28 points below the maximum allowable DTI of 43%.
0431986178 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.72% is 14.28 points below the maximum allowable DTI of 43%.
0475886340     CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 62.25% which is below guideline requirement of 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has spent 5 years at current job
0093259823 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 780 is 100 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.78% is 14.22 points below the maximum allowable DTI of 43%.
0560238659 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 790

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $92,352.24. Verified $682,800.19
0560238659 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 790

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $92,352.24. Verified $682,800.19
0530249070 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 10 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of four years and three months.
0691180213 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 797 and minimum required is 680.
0354058155     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 19.17%
0593413797     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  12.92% DTI below guideline requirement of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 fico score exceeds guidelines
0796535686 (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Good credit history- middle scorer 783.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  High potential for increased earnings with XXX.
0952389631     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower significant time in same profession of 20 years as XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower credit history reflect 0x30 mortgage payment history; no derogatory credit history; no reported public records, bk or collection acconts.
0222855349 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 has stable employment with current employer for the past 10+ years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.92 < guideline requirements of 43%
0651030603 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0492892232     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $51,289.68. Verified $126,002.08

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 30 years
0644792561     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B2 FICO 807

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.03%
0005855354 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has been in the same profession for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x30.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $532,354.52 or 63.60 months PITI; guidelines require 18 months PITI $8,370.40 x 18 = $150,217.02
0083431819 Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $49,256.52. Verified $323,506.33

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.12%
0295758151     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  11.68 % DTI below guideline max of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  65.49% LTV below guideline requirement of 80%
0459260952 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 781 Guidelines Require 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.53% Guidelines Require 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Provided Reserves Post Close Reserves $544,414.03 or 78.40 Months PITIA Required Reserves; 12
0964231553 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 is 95 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.86% is 7.14 points below the maximum allowable DTI of 43%.
0235323884     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.36%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.77%
0695421721     CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 28 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence  of 35 years and 8 months for the borrowers.
0699664677     CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 12 years and 3 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 25 years of co borrower.
0572166970     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history shows no lates or derogatory marks in more than 24 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 35.33% guideline max allowed is 43%.
0379091873 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with present employer for over 30 years.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, there have been no late payments reported.
0867270331     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 27.04% below guideline max allowed of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 15 years in his profession in XXX
0041273965 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 36.88%, guideline max allowed 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $111,376.22; borrower having cash reserves of $241,903.78 exceeding guidelines
0041273965 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 36.88%, guideline max allowed 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $111,376.22; borrower having cash reserves of $241,903.78 exceeding guidelines
0670265197 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Schedule C income not used in qualifying
0198017039 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 48.70%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.93%
0198017039 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 48.70%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.93%
0198017039 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 48.70%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.93%
0417628515     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 788 is 108 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.90% is 17.10 points below the maximum allowable DTI of 43%.
0728948526     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.39%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 20 years
0333488077 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 800 is 120 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17.12% is 25.88 points below the maximum allowable DTI of 43%.
0455902449 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $56,599.44. Verified $244,474.99
0084821346     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job and industry

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.67% is below maximum requirement of 43%
0476344837 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 732 is 52 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.44% is 12.56 points below the maximum allowable DTI of 43%.
0649206715 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $56,209.92. Verified $817,370.39

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years
0610011785 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 28 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 792 and minimum required is 680.
0082613650 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 121 verified cash reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have a verified DTI of 26.47%.
0753691745     CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $42,327.61. Verified $685,727.02

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 45.28%/CLTV 52.76%
0742748896 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.02%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $189,522.72. Verified $271,205.80
0325025284 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.39% is 16.61 below the maximum of 80%.
0015089835 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.51% is below maximum DTI of 43% for QM products.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 10 years.
0991493526 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.21% is 16.79 points below the maximum allowable DTI of 43%.
0991493526 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 110 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.21% is 16.79 points below the maximum allowable DTI of 43%.
0626110868 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 24.86%, guideline max allowed is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are 176,588.25 or 25.94 months of PITI.  PCL requirement is 18 months or $107,304.84
0800824397 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 802

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession as a XXX for 12 years
0208254621     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 735

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.80%
0772537171 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 33.58%, guideline max allowed is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement $103,435.38/18 months, borrower having post closing cash reserves of $226,735.98
0772537171 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 33.58%, guideline max allowed is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement $103,435.38/18 months, borrower having post closing cash reserves of $226,735.98
0238789990 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash Reserves $656,009.79; Guidelines require 18 months reserves $102,730.74
0894592066 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.94% max DTI allowed per guideline is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower post close reserves are $680,143.22, PCL requirement is 12 months or $73,786.56
0442569352 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $77,653.62. Verified $483,690.48
0112373829     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 28.18%, guideline max allowed is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current LTV 54.00%, guideline max allowed is 80%
0131105577 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.11% is below maximum DTI of 43% required for QM products.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68.83% is below maximum LTV of 80% required for this loan.
0131105577 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.11% is below maximum DTI of 43% required for QM products.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 68.83% is below maximum LTV of 80% required for this loan.
0126141213     CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.82% is below maximum DTI of 43% required for QM products.
0847828801 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 777 is 97 points above the minimum required score of 680.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income not used to qualify, YTD 2020 annual bonus income $5000, Spot bonus income $1000 and XXX $47,700.78 as of 8-26-20 paystub.
0571560931 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $125,050.32. Verified $181,157.84
0571560931 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $125,050.32. Verified $181,157.84
0207640450 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 14.65% is below maximum DTI of 43% required for QM products.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with the same employer for over 8 years.
0025078468 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $111,417.48. Verified $238,110.05

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.68% DTII is below the max 31% (per exception).
0025078468 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $111,417.48. Verified $238,110.05

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.68% DTII is below the max 31% (per exception).
0025078468 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $111,417.48. Verified $238,110.05

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.68% DTII is below the max 31% (per exception).
0025078468 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $111,417.48. Verified $238,110.05

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.68% DTII is below the max 31% (per exception).
0584283672 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 14 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x47.
0283455109 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 146 months verified cash reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with XXX as a  XXX since 11/03/2014.
0677453701 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 789 is 109 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0687205416 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI 25.02%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  49 months PCL over 2x more than required
0687205416 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI 25.02%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  49 months PCL over 2x more than required
0534745580     CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers has 10 years in the same profession

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $119,100.96.Verified $130,518.82
0545234837 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.55%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 801
0841016345 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 25 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $211,886.80 or 25.96 months PITI.  Guidelines require 18 months $8,218.91 x 18 = $151,865.00
0086271256 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804 and minimum required is 680.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives RSU and commissions which are not used in qualifying.
0086271256 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804 and minimum required is 680.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives RSU and commissions which are not used in qualifying.
0086271256 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804 and minimum required is 680.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower receives RSU and commissions which are not used in qualifying.
0401673078 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 17 years in same line of work

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower have verified reserves of 102 months PITI.
0401673078 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 17 years in same line of work

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower have verified reserves of 102 months PITI.
0851261852 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.65% is 12.35 points below the maximum allowable DTI of 43%.
0863693678 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 812

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $88,966. Verified $281,611.94
0863693678 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 812

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $88,966. Verified $281,611.94
0901190355 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.48%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810
0901190355 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.48%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810
0474998423 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in the same profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $264,287.88 or 56.34 months PITI.  Guidelines require 18 months $4,690.75 x 18 = $84,433.50.
0989735360 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $170,996.58. Verified $367,998.47

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 771
0053049074 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed with XXX for 25 years, 1 Month

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 730
0120042142 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 713 is 33 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0120042142 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 713 is 33 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0459155422     CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.52% is below maximum DTI of 43% required for QM products.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 78.03% is below maximum LTV of 80%.
0737998363 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has been in the same profession for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x37.
0550790086 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 25 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $146,150.64. Verified $197,500.10
0550790086 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 25 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $146,150.64. Verified $197,500.10
0909092405 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.57% below guideline requirement 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $242,240.83 or 35.99 months PITI
0909092405 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.57% below guideline requirement 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $242,240.83 or 35.99 months PITI
0774797559 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 40.86% is 39.14 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.04% is 17.96 points below the maximum allowable DTI of 43%.
0792092840 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has stable employment as an XXX for the past 9+ years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has reserves of $616,916.78.  Reserves required 7,158.89. x 18 = $128,860.02 .

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.73% < guideline maximum of 43%
0975924570 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.51% is below maximum DTI of 43% required for QM products.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower's "OTHER" income on written verification of employment is not used to qualify.
0306625747 (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x43.
0477561117 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.05% is 21.95 points below the maximum allowable DTI of 43%.
0072172385 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.39%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $114,081.66. Verified $335,578.75
0072172385 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.39%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $114,081.66. Verified $335,578.75
0465592008 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.47% DTI is below guideline required 43% by 11.53%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 FICO.
0465592008 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.47% DTI is below guideline required 43% by 11.53%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 FICO.
0465592008 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.47% DTI is below guideline required 43% by 11.53%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 FICO.
0698674168     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 742 is 62 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 59.22% is 20.78 below the maximum of 80%.
0830786330     CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history is 0x30x45.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for 13 years.
0573565278     CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 779 and minimum required is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 7 years.
0599326192 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 803 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $192,451.18; required reserves $6016.82 x 12 = $72,201.84.
0599326192 Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 803 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $192,451.18; required reserves $6016.82 x 12 = $72,201.84.
0896950285 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 773

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.79
0896950285 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 773

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 20.79
0376596649 (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $55,678.14. Verified $922,448.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.15%
0204736277 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $85,318.02. Verified $162,384.33
0410386993 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 751 is 71 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.02% is 19.98 points below the maximum allowable DTI of 43%.
0083642026 (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x53.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $180,224.60 or 23.91 months PITI.  Guidelilnes require 18 months - $7538.01x18= $135,684.18.
0762878730 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 and Borrower 2 have 10 years in their professions of XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's reserves of $289,461.62 exceed guidelines reserves of $81,055.00
0762878730 (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 and Borrower 2 have 10 years in their professions of XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's reserves of $289,461.62 exceed guidelines reserves of $81,055.00
0149924642 (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.63%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 772
0374100642 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 769 is 89 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.79% is 7.21 points below the maximum allowable DTI of 43%.
0374100642 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 769 is 89 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.79% is 7.21 points below the maximum allowable DTI of 43%.
0374100642 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 769 is 89 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.79% is 7.21 points below the maximum allowable DTI of 43%.
0374100642 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 769 is 89 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.79% is 7.21 points below the maximum allowable DTI of 43%.
0207627120 (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 811

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.00%

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-1
Start - End Dates: 8.2020 - 12.2020
Deal Loan Count: 404
   
         
Conditions Report 2.0
         
Loans in Report: 404
Loans with Conditions: 325

 

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
0108667074 Yes XXXXXX XXXXXX A A A A A
0663111754 Yes XXXXXX XXXXXX A A A A A
0508640368 Yes XXXXXX XXXXXX C A A A C
0531111736 Yes XXXXXX XXXXXX A A A A A
0865993508 Yes XXXXXX XXXXXX B B B B A
0874113761 Yes XXXXXX XXXXXX A A A A A
0949529794 Yes XXXXXX XXXXXX A A A A A
0559571963 Yes XXXXXX XXXXXX A A A A A
0793320563 Yes XXXXXX XXXXXX D B A A A
0638695792 Yes XXXXXX XXXXXX A A A A A
0240643838 Yes XXXXXX XXXXXX A A A A A
0322000158 Yes XXXXXX XXXXXX B B B B A
0035392109 Yes XXXXXX XXXXXX A A A A A
0871708592 Yes XXXXXX XXXXXX A A A A A
0052563378 Yes XXXXXX XXXXXX A A A A A
0717655250 Yes XXXXXX XXXXXX A A A A A
0157615989 Yes XXXXXX XXXXXX C B B B C
0341769682 Yes XXXXXX XXXXXX A A A A A
0523917325 Yes XXXXXX XXXXXX A A A A A
0725258392 Yes XXXXXX XXXXXX B B A A B
0848192613 Yes XXXXXX XXXXXX A A A A A
0696275262 Yes XXXXXX XXXXXX B A B A A
0716594672 Yes XXXXXX XXXXXX A A A A A
0240361118 Yes XXXXXX XXXXXX A A A A A
0497572825 Yes XXXXXX XXXXXX A A A A A
0010223216 Yes XXXXXX XXXXXX A A A A A
0241257219 Yes XXXXXX XXXXXX A A A A A
0502181836 Yes XXXXXX XXXXXX A A A A A
0036901355 Yes XXXXXX XXXXXX A A A A A
0398270338 Yes XXXXXX XXXXXX C B A A A
0783431435 Yes XXXXXX XXXXXX D A A A A
0388416748 Yes XXXXXX XXXXXX A A A A A
0409144310 Yes XXXXXX XXXXXX A A A A A
0444954680 Yes XXXXXX XXXXXX A A A A A
0360471430 Yes XXXXXX XXXXXX A A A A A
0055419740 Yes XXXXXX XXXXXX A A A A A
0566829310 Yes XXXXXX XXXXXX A A A A A
0918501594 Yes XXXXXX XXXXXX A A A A A
0758960867 Yes XXXXXX XXXXXX A A A A A
0693472943 Yes XXXXXX XXXXXX A A A A A
0814327807 Yes XXXXXX XXXXXX A A A A A
0829909146 Yes XXXXXX XXXXXX C B A A A
0971658429 Yes XXXXXX XXXXXX A A A A A
0616706387 Yes XXXXXX XXXXXX A A A A A
0135143277 Yes XXXXXX XXXXXX A A A A A
0180822012 Yes XXXXXX XXXXXX C B B B C
0881116154 Yes XXXXXX XXXXXX A A A A A
0484729634 Yes XXXXXX XXXXXX A A A A A
0675958762 Yes XXXXXX XXXXXX B B B B A
0881967675 Yes XXXXXX XXXXXX A A A A A
0019446188 Yes XXXXXX XXXXXX A A A A A
0917721106 Yes XXXXXX XXXXXX A A A A A
0881254570 Yes XXXXXX XXXXXX A A A A A
0445113582 Yes XXXXXX XXXXXX A A A A A
0929860760 Yes XXXXXX XXXXXX C B C A A
0876121680 Yes XXXXXX XXXXXX A A A A A
0328395532 Yes XXXXXX XXXXXX C A A A A
0826624297 Yes XXXXXX XXXXXX A A A A A
0000874602 Yes XXXXXX XXXXXX C A A A C
0334429155 Yes XXXXXX XXXXXX A A A A A
0797253156 Yes XXXXXX XXXXXX A A A A A
0950349243 Yes XXXXXX XXXXXX A A A A A
0810490042 Yes XXXXXX XXXXXX A A A A A
0807034540 Yes XXXXXX XXXXXX A A A A A
0654083385 Yes XXXXXX XXXXXX A A A A A
0861011284 Yes XXXXXX XXXXXX A A A A A
0610250280 Yes XXXXXX XXXXXX C A A A C
0115955504 Yes XXXXXX XXXXXX A A A A A
0697853204 Yes XXXXXX XXXXXX A A A A A
0980985167 Yes XXXXXX XXXXXX C B A A A
0522218142 Yes XXXXXX XXXXXX A A A A A
0119562006 Yes XXXXXX XXXXXX A A A A A
0110859175 Yes XXXXXX XXXXXX A A A A A
0918566228 Yes XXXXXX XXXXXX A A A A A
0367007735 Yes XXXXXX XXXXXX A A A A A
0073489475 Yes XXXXXX XXXXXX A A A A A
0272445128 Yes XXXXXX XXXXXX A A A A A
0603365057 Yes XXXXXX XXXXXX A A A A A
0251112157 Yes XXXXXX XXXXXX A A A A A
0763457022 Yes XXXXXX XXXXXX A A A A A
0865286925 Yes XXXXXX XXXXXX A A A A A
0343345563 Yes XXXXXX XXXXXX A A A A A
0315013875 Yes XXXXXX XXXXXX A A A A A
0198124260 Yes XXXXXX XXXXXX A A A A A
0127771182 Yes XXXXXX XXXXXX A A A A A
0160723259 Yes XXXXXX XXXXXX B B A A A
0299263278 Yes XXXXXX XXXXXX C B A A A
0401227740 Yes XXXXXX XXXXXX A A A A A
0218103219 Yes XXXXXX XXXXXX A A A A A
0155969028 Yes XXXXXX XXXXXX D A A A A
0255344613 Yes XXXXXX XXXXXX A A A A A
0652510221 Yes XXXXXX XXXXXX A A A A A
0973511372 Yes XXXXXX XXXXXX A A A A A
0951628822 Yes XXXXXX XXXXXX C A A A C
0114264576 Yes XXXXXX XXXXXX A A A A A
0940581305 Yes XXXXXX XXXXXX A A A A A
0205571644 Yes XXXXXX XXXXXX A A A A A
0498944459 Yes XXXXXX XXXXXX B B B B A
0707533834 Yes XXXXXX XXXXXX A A A A A
0498164247 Yes XXXXXX XXXXXX A A A A A
0401600212 Yes XXXXXX XXXXXX A A A A A
0594075285 Yes XXXXXX XXXXXX C A A A C
0587716271 Yes XXXXXX XXXXXX A A A A A
0994133062 Yes XXXXXX XXXXXX A A A A A
0454675948 Yes XXXXXX XXXXXX A A A A A
0599310963 Yes XXXXXX XXXXXX A A A A A
0559878991 Yes XXXXXX XXXXXX A A A A A
0127638590 Yes XXXXXX XXXXXX A A A A A
0653657653 Yes XXXXXX XXXXXX A A A A A
0546417664 Yes XXXXXX XXXXXX B B A A A
0509870218 Yes XXXXXX XXXXXX A A A A A
0745768754 Yes XXXXXX XXXXXX D A D A C
0415695316 Yes XXXXXX XXXXXX A A A A A
0322451755 Yes XXXXXX XXXXXX A A A A A
0866205783 Yes XXXXXX XXXXXX A A A A A
0267146795 Yes XXXXXX XXXXXX A A A A A
0271652852 Yes XXXXXX XXXXXX A A A A A
0998165035 Yes XXXXXX XXXXXX A A A A A
0536883221 Yes XXXXXX XXXXXX A A A A A
0985476994 Yes XXXXXX XXXXXX A A A A A
0203877868 Yes XXXXXX XXXXXX A A A A A
0358217181 Yes XXXXXX XXXXXX A A A A A
0336476195 Yes XXXXXX XXXXXX A A A A A
0304571261 Yes XXXXXX XXXXXX A A A A A
0653636459 Yes XXXXXX XXXXXX A A A A A
0090301796 Yes XXXXXX XXXXXX A A A A A
0423784549 Yes XXXXXX XXXXXX A A A A A
0890823797 Yes XXXXXX XXXXXX A A A A A
0833337206 Yes XXXXXX XXXXXX A A A A A
0824826528 Yes XXXXXX XXXXXX A A A A A
0216149541 Yes XXXXXX XXXXXX A A A A A
0953358945 Yes XXXXXX XXXXXX C B A A A
0015164909 Yes XXXXXX XXXXXX C A A A C
0928543093 Yes XXXXXX XXXXXX D B D B A
0240968704 Yes XXXXXX XXXXXX D A D A A
0225800508 Yes XXXXXX XXXXXX A A A A A
0859618238 Yes XXXXXX XXXXXX A A A A A
0967105438 Yes XXXXXX XXXXXX A A A A A
0868414709 Yes XXXXXX XXXXXX A A A A A
0817119590 Yes XXXXXX XXXXXX A A A A A
0476500505 Yes XXXXXX XXXXXX A A A A A
0494015309 Yes XXXXXX XXXXXX C A A A C
0578085079 Yes XXXXXX XXXXXX A A A A A
0638548768 Yes XXXXXX XXXXXX A A A A A
0294533209 Yes XXXXXX XXXXXX A A A A A
0458119244 Yes XXXXXX XXXXXX B B B B A
0615086693 Yes XXXXXX XXXXXX A A A A A
0816058588 Yes XXXXXX XXXXXX A A A A A
0704632711 Yes XXXXXX XXXXXX A A A A A
0679120359 Yes XXXXXX XXXXXX A A A A A
0182328036 Yes XXXXXX XXXXXX A A A A A
0210509784 Yes XXXXXX XXXXXX A A A A A
0913696575 Yes XXXXXX XXXXXX A A A A A
0857176046 Yes XXXXXX XXXXXX C A A A C
0942895741 Yes XXXXXX XXXXXX A A A A A
0048624722 Yes XXXXXX XXXXXX C A A A C
0277208129 Yes XXXXXX XXXXXX A A A A A
0424249906 Yes XXXXXX XXXXXX A A A A A
0757925452 Yes XXXXXX XXXXXX A A A A A
0889856601 Yes XXXXXX XXXXXX C A A A C
0405737091 Yes XXXXXX XXXXXX B B B B A
0635712206 Yes XXXXXX XXXXXX C A A A C
0347013010 Yes XXXXXX XXXXXX A A A A A
0696525966 Yes XXXXXX XXXXXX C A A A C
0786649658 Yes XXXXXX XXXXXX C A A A C
0840420060 Yes XXXXXX XXXXXX A A A A A
0798748727 Yes XXXXXX XXXXXX A A A A A
0477959919 Yes XXXXXX XXXXXX C A A A C
0028342335 Yes XXXXXX XXXXXX A A A A A
0283538504 Yes XXXXXX XXXXXX A A A A A
0515861615 Yes XXXXXX XXXXXX A A A A A
0153965597 Yes XXXXXX XXXXXX D B D A A
0462218083 Yes XXXXXX XXXXXX A A A A A
0950114141 Yes XXXXXX XXXXXX A A A A A
0121094001 Yes XXXXXX XXXXXX C A A A C
0521063742 Yes XXXXXX XXXXXX C A A A C
0294003317 Yes XXXXXX XXXXXX A A A A A
0998854954 Yes XXXXXX XXXXXX A A A A A
0220362917 Yes XXXXXX XXXXXX A A A A A
0724799875 Yes XXXXXX XXXXXX A A A A A
0513213102 Yes XXXXXX XXXXXX A A A A A
0513718560 Yes XXXXXX XXXXXX A A A A A
0668504021 Yes XXXXXX XXXXXX A A A A A
0774389125 Yes XXXXXX XXXXXX A A A A A
0969917984 Yes XXXXXX XXXXXX A A A A A
0067233363 Yes XXXXXX XXXXXX A A A A A
0878337307 Yes XXXXXX XXXXXX A A A A A
0561756497 Yes XXXXXX XXXXXX A A A A A
0642309332 Yes XXXXXX XXXXXX A A A A A
0115538976 Yes XXXXXX XXXXXX A A A A A
0064839384 Yes XXXXXX XXXXXX A A A A A
0860566688 Yes XXXXXX XXXXXX A A A A A
0103870378 Yes XXXXXX XXXXXX A A A A A
0207917208 Yes XXXXXX XXXXXX C A A A C
0611465074 Yes XXXXXX XXXXXX C A A A C
0185840551 Yes XXXXXX XXXXXX A A A A A
0496345139 Yes XXXXXX XXXXXX D A C A A
0327850429 Yes XXXXXX XXXXXX A A A A A
0017284885 Yes XXXXXX XXXXXX A A A A A
0931693778 Yes XXXXXX XXXXXX C A A A C
0995206598 Yes XXXXXX XXXXXX A A A A A
0482718964 Yes XXXXXX XXXXXX A A A A A
0541795107 Yes XXXXXX XXXXXX A A A A A
0357108783 Yes XXXXXX XXXXXX A A A A A
0633346882 Yes XXXXXX XXXXXX A A A A A
0063546990 Yes XXXXXX XXXXXX D A C A A
0650001406 Yes XXXXXX XXXXXX A A A A A
0491384475 Yes XXXXXX XXXXXX C A A A C
0469315665 Yes XXXXXX XXXXXX A A A A A
0484329354 Yes XXXXXX XXXXXX A A A A A
0551755300 Yes XXXXXX XXXXXX A A A A A
0567702570 Yes XXXXXX XXXXXX A A A A A
0992528104 Yes XXXXXX XXXXXX A A A A A
0454851797 Yes XXXXXX XXXXXX A A A A A
0770864774 Yes XXXXXX XXXXXX C A A A C
0108926130 Yes XXXXXX XXXXXX A A A A A
0336784005 Yes XXXXXX XXXXXX A A A A A
0240103832 Yes XXXXXX XXXXXX A A A A A
0361931454 Yes XXXXXX XXXXXX A A A A A
0796963421 Yes XXXXXX XXXXXX A A A A A
0553335943 Yes XXXXXX XXXXXX A A A A A
0457447762 Yes XXXXXX XXXXXX A A A A A
0693260565 Yes XXXXXX XXXXXX A A A A A
0135587452 Yes XXXXXX XXXXXX C A A A C
0092104266 Yes XXXXXX XXXXXX B B A A A
0111569734 Yes XXXXXX XXXXXX A A A A A
0588864400 Yes XXXXXX XXXXXX C B B B C
0329534893 Yes XXXXXX XXXXXX A A A A A
0079351270 Yes XXXXXX XXXXXX C A A A C
0125269413 Yes XXXXXX XXXXXX A A A A A
0682530958 Yes XXXXXX XXXXXX A A A A A
0790045144 Yes XXXXXX XXXXXX A A A A A
0356437285 Yes XXXXXX XXXXXX A A A A A
0389105477 Yes XXXXXX XXXXXX C A A A C
0549719371 Yes XXXXXX XXXXXX A A A A A
0890013613 Yes XXXXXX XXXXXX A A A A A
0282207141 Yes XXXXXX XXXXXX A A A A A
0180898808 Yes XXXXXX XXXXXX A A A A A
0872965868 Yes XXXXXX XXXXXX A A A A A
0843780776 Yes XXXXXX XXXXXX A A A A A
0148086109 Yes XXXXXX XXXXXX A A A A A
0878848656 Yes XXXXXX XXXXXX C A A A C
0802211406 Yes XXXXXX XXXXXX C A A A C
0698008705 Yes XXXXXX XXXXXX A A A A A
0007194881 Yes XXXXXX XXXXXX A A A A A
0179228955 Yes XXXXXX XXXXXX A A A A A
0571384087 Yes XXXXXX XXXXXX A A A A A
0431125590 Yes XXXXXX XXXXXX D A D A A
0707587339 Yes XXXXXX XXXXXX A A A A A
0959853961 Yes XXXXXX XXXXXX A A A A A
0740414867 Yes XXXXXX XXXXXX C A A A C
0461929860 Yes XXXXXX XXXXXX C A A A C
0625352697 Yes XXXXXX XXXXXX A A A A A
0375155506 Yes XXXXXX XXXXXX A A A A A
0681286102 Yes XXXXXX XXXXXX C A A A C
0871967407 Yes XXXXXX XXXXXX A A A A A
0466731959 Yes XXXXXX XXXXXX A A A A A
0702030408 Yes XXXXXX XXXXXX C A A A C
0937329055 Yes XXXXXX XXXXXX A A A A A
0014665335 Yes XXXXXX XXXXXX A A A A A
0641789900 Yes XXXXXX XXXXXX A A A A A
0685380940 Yes XXXXXX XXXXXX C A A A C
0126721396 Yes XXXXXX XXXXXX C A A A C
0612751179 Yes XXXXXX XXXXXX C A A A C
0758206539 Yes XXXXXX XXXXXX A A A A A
0377851782 Yes XXXXXX XXXXXX A A A A A
0471424828 Yes XXXXXX XXXXXX C A A A C
0709682102 Yes XXXXXX XXXXXX A A A A A
0550573113 Yes XXXXXX XXXXXX A A A A A
0089588972 Yes XXXXXX XXXXXX B B B B A
0329231416 Yes XXXXXX XXXXXX C A A A C
0167677895 Yes XXXXXX XXXXXX C A A A C
0424397715 Yes XXXXXX XXXXXX A A A A A
0106666472 Yes XXXXXX XXXXXX A A A A A
0684783929 Yes XXXXXX XXXXXX A A A A A
0581140909 Yes XXXXXX XXXXXX A A A A A
0426796867 Yes XXXXXX XXXXXX A A A A A
0313177630 Yes XXXXXX XXXXXX A A A A A
0161149574 Yes XXXXXX XXXXXX A A A A A
0323770510 Yes XXXXXX XXXXXX A A A A A
0011620504 Yes XXXXXX XXXXXX D A D A A
0065512158 Yes XXXXXX XXXXXX A A A A A
0847938121 Yes XXXXXX XXXXXX D B D B A
0934756940 Yes XXXXXX XXXXXX A A A A A
0754354325 Yes XXXXXX XXXXXX C A A A C
0814621234 Yes XXXXXX XXXXXX A A A A A
0207388456 Yes XXXXXX XXXXXX A A A A A
0399139623 Yes XXXXXX XXXXXX A A A A A
0524549904 Yes XXXXXX XXXXXX A A A A A
0367208436 Yes XXXXXX XXXXXX A A A A A
0654636177 Yes XXXXXX XXXXXX A A A A A
0667820348 Yes XXXXXX XXXXXX A A A A A
0799077256 Yes XXXXXX XXXXXX A A A A A
0699764711 Yes XXXXXX XXXXXX A A A A A
0489792248 Yes XXXXXX XXXXXX C A A A C
0661592427 Yes XXXXXX XXXXXX B B B B A
0990956930 Yes XXXXXX XXXXXX A A A A A
0701510973 Yes XXXXXX XXXXXX A A A A A
0542490622 Yes XXXXXX XXXXXX A A A A A
0298662993 Yes XXXXXX XXXXXX A A A A A
0678631671 Yes XXXXXX XXXXXX A A A A A
0303228682 Yes XXXXXX XXXXXX A A A A A
0969452800 Yes XXXXXX XXXXXX A A A A A
0435642713 Yes XXXXXX XXXXXX A A A A A
0951112238 Yes XXXXXX XXXXXX B B B B A
0394461457 Yes XXXXXX XXXXXX A A A A A
0610037072 Yes XXXXXX XXXXXX A A A A A
0301141698 Yes XXXXXX XXXXXX B B B B A
0431986178 Yes XXXXXX XXXXXX A A A A A
0475886340 Yes XXXXXX XXXXXX A A A A A
0093259823 Yes XXXXXX XXXXXX C A A A C
0560238659 Yes XXXXXX XXXXXX C A C A A
0530249070 Yes XXXXXX XXXXXX A A A A A
0691180213 Yes XXXXXX XXXXXX A A A A A
0354058155 Yes XXXXXX XXXXXX A A A A A
0593413797 Yes XXXXXX XXXXXX A A A A A
0796535686 Yes XXXXXX XXXXXX A A A A A
0952389631 Yes XXXXXX XXXXXX A A A A A
0222855349 Yes XXXXXX XXXXXX A A A A A
0651030603 Yes XXXXXX XXXXXX C A A A C
0492892232 Yes XXXXXX XXXXXX A A A A A
0644792561 Yes XXXXXX XXXXXX A A A A A
0005855354 Yes XXXXXX XXXXXX A A A A A
0083431819 Yes XXXXXX XXXXXX A A A A A
0295758151 Yes XXXXXX XXXXXX A A A A A
0459260952 Yes XXXXXX XXXXXX A A A A A
0964231553 Yes XXXXXX XXXXXX A A A A A
0235323884 Yes XXXXXX XXXXXX A A A A A
0695421721 Yes XXXXXX XXXXXX A A A A A
0699664677 Yes XXXXXX XXXXXX A A A A A
0572166970 Yes XXXXXX XXXXXX A A A A A
0379091873 Yes XXXXXX XXXXXX A A A A A
0867270331 Yes XXXXXX XXXXXX A A A A A
0041273965 Yes XXXXXX XXXXXX C B A A A
0670265197 Yes XXXXXX XXXXXX C A A A C
0198017039 Yes XXXXXX XXXXXX C B C A C
0417628515 Yes XXXXXX XXXXXX A A A A A
0728948526 Yes XXXXXX XXXXXX A A A A A
0333488077 Yes XXXXXX XXXXXX D A D A A
0455902449 Yes XXXXXX XXXXXX A A A A A
0084821346 Yes XXXXXX XXXXXX A A A A A
0476344837 Yes XXXXXX XXXXXX B B A A B
0649206715 Yes XXXXXX XXXXXX A A A A A
0610011785 Yes XXXXXX XXXXXX C B A A A
0082613650 Yes XXXXXX XXXXXX A A A A A
0753691745 Yes XXXXXX XXXXXX A A A A A
0742748896 Yes XXXXXX XXXXXX A A A A A
0325025284 Yes XXXXXX XXXXXX A A A A A
0015089835 Yes XXXXXX XXXXXX A A A A A
0991493526 Yes XXXXXX XXXXXX C A A A C
0626110868 Yes XXXXXX XXXXXX A A A A A
0800824397 Yes XXXXXX XXXXXX A A A A A
0208254621 Yes XXXXXX XXXXXX A A A A A
0772537171 Yes XXXXXX XXXXXX C A C A A
0238789990 Yes XXXXXX XXXXXX C A A A C
0894592066 Yes XXXXXX XXXXXX A A A A A
0442569352 Yes XXXXXX XXXXXX A A A A A
0112373829 Yes XXXXXX XXXXXX A A A A A
0131105577 Yes XXXXXX XXXXXX C A A A C
0126141213 Yes XXXXXX XXXXXX A A A A A
0847828801 Yes XXXXXX XXXXXX A A A A A
0571560931 Yes XXXXXX XXXXXX C A A A C
0207640450 Yes XXXXXX XXXXXX C A A A C
0025078468 Yes XXXXXX XXXXXX C B B B C
0584283672 Yes XXXXXX XXXXXX C A A A C
0283455109 Yes XXXXXX XXXXXX A A A A A
0677453701 Yes XXXXXX XXXXXX C A A A C
0687205416 Yes XXXXXX XXXXXX C A A A C
0534745580 Yes XXXXXX XXXXXX A A A A A
0545234837 Yes XXXXXX XXXXXX A A A A A
0841016345 Yes XXXXXX XXXXXX A A A A A
0086271256 Yes XXXXXX XXXXXX D A D A C
0401673078 Yes XXXXXX XXXXXX C A A A C
0851261852 Yes XXXXXX XXXXXX B B B B A
0863693678 Yes XXXXXX XXXXXX C A A A C
0901190355 Yes XXXXXX XXXXXX C A A A C
0474998423 Yes XXXXXX XXXXXX A A A A A
0989735360 Yes XXXXXX XXXXXX A A A A A
0053049074 Yes XXXXXX XXXXXX A A A A A
0120042142 Yes XXXXXX XXXXXX C A A A C
0459155422 Yes XXXXXX XXXXXX A A A A A
0737998363 Yes XXXXXX XXXXXX A A A A A
0550790086 Yes XXXXXX XXXXXX C A A A C
0909092405 Yes XXXXXX XXXXXX C A A A C
0774797559 Yes XXXXXX XXXXXX A A A A A
0792092840 Yes XXXXXX XXXXXX A A A A A
0975924570 Yes XXXXXX XXXXXX C A A A C
0306625747 Yes XXXXXX XXXXXX A A A A A
0477561117 Yes XXXXXX XXXXXX A A A A A
0072172385 Yes XXXXXX XXXXXX C A A A C
0465592008 Yes XXXXXX XXXXXX C A B A C
0698674168 Yes XXXXXX XXXXXX A A A A A
0830786330 Yes XXXXXX XXXXXX A A A A A
0573565278 Yes XXXXXX XXXXXX A A A A A
0599326192 Yes XXXXXX XXXXXX C A A A A
0896950285 Yes XXXXXX XXXXXX C A A A C
0376596649 Yes XXXXXX XXXXXX D A D A A
0204736277 Yes XXXXXX XXXXXX A A A A A
0410386993 Yes XXXXXX XXXXXX C A A A C
0083642026 Yes XXXXXX XXXXXX C A A A C
0762878730 Yes XXXXXX XXXXXX C A A A C
0149924642 Yes XXXXXX XXXXXX A A A A A
0374100642 Yes XXXXXX XXXXXX D B D B A
0207627120 Yes XXXXXX XXXXXX A A A A A

 

Alt Loan Number Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade
0108667074 A A A A A
0663111754 A A A A A
0508640368 A A A C A
0531111736 A A A A A
0865993508 A A A B B
0874113761 A A A A A
0949529794 A A A A A
0559571963 A A A A A
0793320563 A D B D B
0638695792 A A A A A
0240643838 A A A A A
0322000158 A A A B B
0035392109 A A A A A
0871708592 A A A A A
0052563378 A A A A A
0717655250 A A A A A
0157615989 A A A C B
0341769682 A A A A A
0523917325 A A A A A
0725258392 B A A B B
0848192613 A A A A A
0696275262 A A A B A
0716594672 A A A A A
0240361118 A A A A A
0497572825 A A A A A
0010223216 A A A A A
0241257219 A A A A A
0502181836 A A A A A
0036901355 A A A A A
0398270338 A C B C B
0783431435 A D A D A
0388416748 A A A A A
0409144310 A A A A A
0444954680 A A A A A
0360471430 A A A A A
0055419740 A A A A A
0566829310 A A A A A
0918501594 A A A A A
0758960867 A A A A A
0693472943 A A A A A
0814327807 A A A A A
0829909146 A C B C B
0971658429 A A A A A
0616706387 A A A A A
0135143277 A A A A A
0180822012 A A A C B
0881116154 A A A A A
0484729634 A A A A A
0675958762 A A A B B
0881967675 A A A A A
0019446188 A A A A A
0917721106 A A A A A
0881254570 A A A A A
0445113582 A A A A A
0929860760 A C B C B
0876121680 A A A A A
0328395532 A C A C A
0826624297 A A A A A
0000874602 A A A C A
0334429155 A A A A A
0797253156 A A A A A
0950349243 A A A A A
0810490042 A A A A A
0807034540 A A A A A
0654083385 A A A A A
0861011284 A A A A A
0610250280 A A A C A
0115955504 A A A A A
0697853204 A A A A A
0980985167 A C B C B
0522218142 A A A A A
0119562006 A A A A A
0110859175 A A A A A
0918566228 A A A A A
0367007735 A A A A A
0073489475 A A A A A
0272445128 A A A A A
0603365057 A A A A A
0251112157 A A A A A
0763457022 A A A A A
0865286925 A A A A A
0343345563 A A A A A
0315013875 A A A A A
0198124260 A A A A A
0127771182 A A A A A
0160723259 A B B B B
0299263278 A C B C B
0401227740 A A A A A
0218103219 A A A A A
0155969028 A D A D A
0255344613 A A A A A
0652510221 A A A A A
0973511372 A A A A A
0951628822 A A A C A
0114264576 A A A A A
0940581305 A A A A A
0205571644 A A A A A
0498944459 A A A B B
0707533834 A A A A A
0498164247 A A A A A
0401600212 A A A A A
0594075285 A A A C A
0587716271 A A A A A
0994133062 A A A A A
0454675948 A A A A A
0599310963 A A A A A
0559878991 A A A A A
0127638590 A A A A A
0653657653 A A A A A
0546417664 A B B B B
0509870218 A A A A A
0745768754 A A A D A
0415695316 A A A A A
0322451755 A A A A A
0866205783 A A A A A
0267146795 A A A A A
0271652852 A A A A A
0998165035 A A A A A
0536883221 A A A A A
0985476994 A A A A A
0203877868 A A A A A
0358217181 A A A A A
0336476195 A A A A A
0304571261 A A A A A
0653636459 A A A A A
0090301796 A A A A A
0423784549 A A A A A
0890823797 A A A A A
0833337206 A A A A A
0824826528 A A A A A
0216149541 A A A A A
0953358945 A C B C B
0015164909 A A A C A
0928543093 A A A D B
0240968704 A C A D A
0225800508 A A A A A
0859618238 A A A A A
0967105438 A A A A A
0868414709 A A A A A
0817119590 A A A A A
0476500505 A A A A A
0494015309 A A A C A
0578085079 A A A A A
0638548768 A A A A A
0294533209 A A A A A
0458119244 A A A B B
0615086693 A A A A A
0816058588 A A A A A
0704632711 A A A A A
0679120359 A A A A A
0182328036 A A A A A
0210509784 A A A A A
0913696575 A A A A A
0857176046 A A A C A
0942895741 A A A A A
0048624722 A A A C A
0277208129 A A A A A
0424249906 A A A A A
0757925452 A A A A A
0889856601 A A A C A
0405737091 A A A B B
0635712206 A A A C A
0347013010 A A A A A
0696525966 A A A C A
0786649658 A A A C A
0840420060 A A A A A
0798748727 A A A A A
0477959919 A A A C A
0028342335 A A A A A
0283538504 A A A A A
0515861615 A A A A A
0153965597 A C B D B
0462218083 A A A A A
0950114141 A A A A A
0121094001 A A A C A
0521063742 A A A C A
0294003317 A A A A A
0998854954 A A A A A
0220362917 A A A A A
0724799875 A A A A A
0513213102 A A A A A
0513718560 A A A A A
0668504021 A A A A A
0774389125 A A A A A
0969917984 A A A A A
0067233363 A A A A A
0878337307 A A A A A
0561756497 A A A A A
0642309332 A A A A A
0115538976 A A A A A
0064839384 A A A A A
0860566688 A A A A A
0103870378 A A A A A
0207917208 A A A C A
0611465074 A A A C A
0185840551 A A A A A
0496345139 A D A D A
0327850429 A A A A A
0017284885 A A A A A
0931693778 A A A C A
0995206598 A A A A A
0482718964 A A A A A
0541795107 A A A A A
0357108783 A A A A A
0633346882 A A A A A
0063546990 A D A D A
0650001406 A A A A A
0491384475 A A A C A
0469315665 A A A A A
0484329354 A A A A A
0551755300 A A A A A
0567702570 A A A A A
0992528104 A A A A A
0454851797 A A A A A
0770864774 A A A C A
0108926130 A A A A A
0336784005 A A A A A
0240103832 A A A A A
0361931454 A A A A A
0796963421 A A A A A
0553335943 A A A A A
0457447762 A A A A A
0693260565 A A A A A
0135587452 A A A C A
0092104266 A B B B B
0111569734 A A A A A
0588864400 A A A C B
0329534893 A A A A A
0079351270 A A A C A
0125269413 A A A A A
0682530958 A A A A A
0790045144 A A A A A
0356437285 A A A A A
0389105477 A A A C A
0549719371 A A A A A
0890013613 A A A A A
0282207141 A A A A A
0180898808 A A A A A
0872965868 A A A A A
0843780776 A A A A A
0148086109 A A A A A
0878848656 A A A C A
0802211406 A A A C A
0698008705 A A A A A
0007194881 A A A A A
0179228955 A A A A A
0571384087 A A A A A
0431125590 A A A D A
0707587339 A A A A A
0959853961 A A A A A
0740414867 A A A C A
0461929860 A A A C A
0625352697 A A A A A
0375155506 A A A A A
0681286102 A A A C A
0871967407 A A A A A
0466731959 A A A A A
0702030408 A A A C A
0937329055 A A A A A
0014665335 A A A A A
0641789900 A A A A A
0685380940 A A A C A
0126721396 A A A C A
0612751179 A A A C A
0758206539 A A A A A
0377851782 A A A A A
0471424828 A A A C A
0709682102 A A A A A
0550573113 A A A A A
0089588972 A A A B B
0329231416 A A A C A
0167677895 A A A C A
0424397715 A A A A A
0106666472 A A A A A
0684783929 A A A A A
0581140909 A A A A A
0426796867 A A A A A
0313177630 A A A A A
0161149574 A A A A A
0323770510 A A A A A
0011620504 A A A D A
0065512158 A A A A A
0847938121 A A A D B
0934756940 A A A A A
0754354325 A A A C A
0814621234 A A A A A
0207388456 A A A A A
0399139623 A A A A A
0524549904 A A A A A
0367208436 A A A A A
0654636177 A A A A A
0667820348 A A A A A
0799077256 A A A A A
0699764711 A A A A A
0489792248 A A A C A
0661592427 A A A B B
0990956930 A A A A A
0701510973 A A A A A
0542490622 A A A A A
0298662993 A A A A A
0678631671 A A A A A
0303228682 A A A A A
0969452800 A A A A A
0435642713 A A A A A
0951112238 A A A B B
0394461457 A A A A A
0610037072 A A A A A
0301141698 A A A B B
0431986178 A A A A A
0475886340 A A A A A
0093259823 A A A C A
0560238659 A A A C A
0530249070 A A A A A
0691180213 A A A A A
0354058155 A A A A A
0593413797 A A A A A
0796535686 A A A A A
0952389631 A A A A A
0222855349 A A A A A
0651030603 A A A C A
0492892232 A A A A A
0644792561 A A A A A
0005855354 A A A A A
0083431819 A A A A A
0295758151 A A A A A
0459260952 A A A A A
0964231553 A A A A A
0235323884 A A A A A
0695421721 A A A A A
0699664677 A A A A A
0572166970 A A A A A
0379091873 A A A A A
0867270331 A A A A A
0041273965 A C B C B
0670265197 A A A C A
0198017039 A C B C B
0417628515 A A A A A
0728948526 A A A A A
0333488077 A A A D A
0455902449 A A A A A
0084821346 A A A A A
0476344837 B A A B B
0649206715 A A A A A
0610011785 A C B C B
0082613650 A A A A A
0753691745 A A A A A
0742748896 A A A A A
0325025284 A A A A A
0015089835 A A A A A
0991493526 A A A C A
0626110868 A A A A A
0800824397 A A A A A
0208254621 A A A A A
0772537171 A A A C A
0238789990 A A A C A
0894592066 A A A A A
0442569352 A A A A A
0112373829 A A A A A
0131105577 A A A C A
0126141213 A A A A A
0847828801 A A A A A
0571560931 A A A C A
0207640450 A A A C A
0025078468 A A A C B
0584283672 A A A C A
0283455109 A A A A A
0677453701 A A A C A
0687205416 A A A C A
0534745580 A A A A A
0545234837 A A A A A
0841016345 A A A A A
0086271256 A A A D A
0401673078 A A A C A
0851261852 A A A B B
0863693678 A A A C A
0901190355 A A A C A
0474998423 A A A A A
0989735360 A A A A A
0053049074 A A A A A
0120042142 A A A C A
0459155422 A A A A A
0737998363 A A A A A
0550790086 A A A C A
0909092405 A A A C A
0774797559 A A A A A
0792092840 A A A A A
0975924570 A A A C A
0306625747 A A A A A
0477561117 A A A A A
0072172385 A A A C A
0465592008 A A A C A
0698674168 A A A A A
0830786330 A A A A A
0573565278 A A A A A
0599326192 A C A C A
0896950285 A A A C A
0376596649 A A A D A
0204736277 A A A A A
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0083642026 A A A C A
0762878730 A A A C A
0149924642 A A A A A
0374100642 A A A D B
0207627120 A A A A A

 

 

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