EX-99.5 6 tm2118122d1_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-RR1
Start - End Dates: 4.2017 TO 4.2021
Deal Loan Count: 329
         
Conditions Report 2.0
         
Loans in Report: 329
Loans with Conditions: 250

 

48 - Total Active Conditions
  1 - Material Conditions
      1 - Property Valuations Review Scope
        1 - Category: Value
  47 - Non-Material Conditions
      38 - Credit Review Scope
        3 - Category: Ability to Repay/Qualified Mortgage
        1 - Category: Application
        3 - Category: Assets
        7 - Category: Credit/Mtg History
        4 - Category: DTI
        8 - Category: Income/Employment
        2 - Category: Legal Documents
        1 - Category: LTV/CLTV
        9 - Category: Terms/Guidelines
      2 - Property Valuations Review Scope
        2 - Category: FEMA
      7 - Compliance Review Scope
        1 - Category: Compliance Manual
        1 - Category: Right of Rescission 
        2 - Category: Texas Home Equity
        3 - Category: TILA/RESPA Integrated Disclosure
321 - Total Satisfied Conditions
             
      31 - Credit Review Scope
        3 - Category: Application
        3 - Category: Assets
        2 - Category: Credit/Mtg History
        3 - Category: DTI
        12 - Category: Income/Employment
        4 - Category: Legal Documents
        2 - Category: LTV/CLTV
        1 - Category: Terms/Guidelines
        1 - Category: Title
      33 - Property Valuations Review Scope
        2 - Category: Appraisal
        28 - Category: FEMA
        3 - Category: Value
      257 - Compliance Review Scope
        8 - Category: Ability to Repay/Qualified Mortgage
        2 - Category: Documentation
        1 - Category: RESPA
        15 - Category: Right of Rescission 
        2 - Category: State Consumer Protection
        229 - 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-RR1
Start - End Dates: 4.2017 TO 4.2021
Deal Loan Count: 329
       
Conditions Report 2.0
       
Loans in Report: 329
Loans with Conditions: 250

 

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
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0891830542 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A
0358266475 XXXXXX NV Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0445009472 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0445009472 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0445009472 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0445009472 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0445009472 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0565792248 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0565792248 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0565792248 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0565792248 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0565792248 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0989559892 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0172102535 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0234789318 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0167511513 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0188994424 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B
0188994424 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B
0188994424 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B
0278458811 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0276605721 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0979650819 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0805840121 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0894886858 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A
0762387763 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0688514980 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0742242406 XXXXXX NH QM: Safe Harbor QM: Safe Harbor D A A A
0742242406 XXXXXX NH QM: Safe Harbor QM: Safe Harbor D A A A
0404547058 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0638297842 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0638297842 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0746298925 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0863486295 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0340006234 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0340006234 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0404943214 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0930158501 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0707375415 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0388007370 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0475617019 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A
0475617019 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A
0688663791 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0902260454 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0617386511 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0617386511 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0267572469 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0290791026 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0290791026 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0164543000 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A
0202441613 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0289292446 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0365530848 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0617986787 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0496740217 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0917131732 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0926035927 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0603795050 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0032308265 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0526040098 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0448045178 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A
0417818039 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0237859061 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0237859061 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0744499361 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0175902539 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0087867838 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0087867838 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0970818417 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0132083552 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0864403324 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0305255025 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0305255025 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0305255025 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0357907958 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0357907958 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A
0882156006 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0389550109 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0950955298 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A
0950955298 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A
0617718950 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0817980164 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0341455011 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0334588786 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0334588786 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0334588786 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0334588786 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0146430692 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0016426301 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0502063980 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0047501038 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0063703620 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0205194025 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0205194025 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0205194025 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0205194025 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B B B
0215441392 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0629151148 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0133938555 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0133938555 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0598841281 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0568261939 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
0928929046 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D A A A
0928929046 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D A A A
0197658429 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0821567263 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0692343551 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0358557373 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0001442055 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0001442055 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0646168920 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0646168920 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0656643622 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B B B
0656643622 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B B B
0909799015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0909799015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0435065781 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0435065781 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0435065781 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0304112440 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0892599109 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0598221185 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0155313978 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0435667839 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0316303659 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0467567734 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0235567649 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0934501608 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0568327749 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A
0636990742 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0987410312 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0356225648 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0356225648 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0356225648 XXXXXX CA QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0929898885 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0331302840 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0567431813 XXXXXX TN QM: Safe Harbor QM: Safe Harbor A A A A
0772792638 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0611439570 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0880615284 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0286395358 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0727102781 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0091999898 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0084932463 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0498176253 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0498176253 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0868414709 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0398810574 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0492401808 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0855405900 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0221165349 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0229239392 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0229239392 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0465953484 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0088333501 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0210509784 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0043528627 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0714439402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0714439402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0256793336 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0172307711 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0320395059 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0423170417 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0387718274 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0170383070 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0170383070 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0925636422 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0319401242 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0923847944 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0686019166 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0686019166 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0935256896 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0316110307 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0316110307 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0734205882 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0700365699 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0235654953 XXXXXX WI Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0314535807 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0314535807 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0657678689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0159998015 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0172474857 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0696046690 XXXXXX NV QM: Safe Harbor QM: Safe Harbor B B A A
0696046690 XXXXXX NV QM: Safe Harbor QM: Safe Harbor B B A A
0091008709 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0955989134 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0848995684 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0509443395 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0269025572 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0572597962 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0572597962 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0209961006 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0406175777 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B A B A
0326355267 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0326355267 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0326355267 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0326355267 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0326355267 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0326355267 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B
0534859575 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0892350963 XXXXXX WA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0375940135 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0701821800 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B A A
0701821800 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B A A
0701821800 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B A A
0616325002 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0073034805 XXXXXX GA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0231334101 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0725630557 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0068430033 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0559278351 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A
0559278351 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A
0559278351 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A
0831230243 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0596771914 XXXXXX VT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0267811530 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0069119873 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0060601564 XXXXXX VA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0803735263 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0803735263 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0803735263 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0803735263 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0290935180 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0290935180 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0698008705 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0435933950 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0722444184 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A
0722444184 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A
0911493224 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0805203628 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0569117909 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0569117909 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0453397647 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0453397647 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0205726976 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0356104488 XXXXXX CT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0706815855 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0505002330 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0149368455 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0782961994 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B
0892192051 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0203802152 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0955156588 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A
0481098853 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0391328966 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C C A A
0962810216 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0460511689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0028477011 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B
0594005576 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0669124532 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0517855345 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0029264920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0008280028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0008280028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B
0939621352 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0650512691 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0650512691 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0650512691 XXXXXX NY QM: Safe Harbor Non-QM: Lender documented all ATR UW factors D B B B
0008293269 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0008293269 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B
0905610877 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0498048106 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B A A
0311712614 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0297718166 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0399149633 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0399149633 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A
0596861615 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0505400757 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0227320863 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0237603193 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A
0078557540 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0595318540 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0710942108 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0590004680 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0799073100 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0826108892 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0319963789 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0319963789 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0714739945 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0653687659 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0370111594 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0195700153 XXXXXX CA ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0195700153 XXXXXX CA ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0195700153 XXXXXX CA ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0195700153 XXXXXX CA ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0195700153 XXXXXX CA ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0392919710 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0279010260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0692927227 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0455781406 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0227172047 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0227172047 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B B B
0323048408 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0535604744 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0535604744 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0535604744 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D B
0849998169 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B B B
0849998169 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B B B
0849998169 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B B B
0062148837 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0433817330 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0838218787 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0388688654 XXXXXX OK Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0334422712 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0070584510 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0901435205 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A
0722953477 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0914250216 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A
0914250216 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A
0781340231 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0548873977 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0789937139 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0141674452 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A
0708733554 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0478749220 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A
0327241907 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0264928705 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0423819313 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A
0947043588 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0921327304 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0921327304 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0047160022 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0578003446 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0334333278 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0479955912 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0059353931 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A
0297939688 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0010826823 XXXXXX KS QM: Safe Harbor QM: Safe Harbor A A A A
0224364000 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0374926914 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0166671017 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0331703728 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A
0500160486 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A
0087401493 XXXXXX NY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0934604695 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0123683594 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0171698680 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A
0777507334 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0224787836 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0087079366 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0087079366 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0411115272 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A A A
0552582570 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0831923509 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0566235119 XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0258571462 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0674517418 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0598747092 XXXXXX VA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0308346631 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A
0198209562 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0852578705 XXXXXX DE Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0181469741 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0181469741 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0172973631 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A
0195260056 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A
0195260056 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A
0979354282 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A
0979354282 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A
0902479734 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B C B
0902479734 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B C B
0902479734 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B C B
0902479734 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B C B
0902479734 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B C B
0448449905 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B A A A
0448449905 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B A A A
0318929563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0318929563 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0419254311 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0083431261 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0176464215 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0643755415 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0391030430 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0596751492 XXXXXX UT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0133806802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0133806802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0810627045 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A
0627907732 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0627907732 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0432132209 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0432132209 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0314944184 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0841719747 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0323637836 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0323637836 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0253839394 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0165073789 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0210642526 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0672271657 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0902640178 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0892324179 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0892324179 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0778038727 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0778038727 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B
0928569869 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0871667533 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0702702409 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0217297674 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0217297674 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0846348091 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0846348091 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0371702040 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0371702040 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B
0016883835 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0016883835 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0835308027 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A
0951877372 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A
0136671540 XXXXXX WY QM: Safe Harbor QM: Safe Harbor A A A A
0698674168 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A
0727541843 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0225220355 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B A A A
0225220355 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B A A A
0047162086 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0486972146 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A
0732354163 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B B B
0732354163 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C B B B
0828386484 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0647644232 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0038224148 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0907456397 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0214086633 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0112876272 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0112876272 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A
0482713964 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A
0421931063 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A
0713178371 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A
0257860964 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A
0938822959 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A
0616406934 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0757775016 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C A A A
0214703126 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A
0827711180 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A
0826698707 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A

 

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
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0891830542 C A D B D B D A
0358266475 A A A A B B B B
0445009472 A A D A D B B B
0445009472 A A D A D B B B
0445009472 A A D A D B B B
0445009472 A A D A D B B B
0445009472 A A D A D B B B
0565792248 A A D A D B D B
0565792248 A A D A D B D B
0565792248 A A D A D B D B
0565792248 A A D A D B D B
0565792248 A A D A D B D B
0989559892 A A A A A A A A
0172102535 A A A A A A A A
0234789318 A A A A A A A A
0167511513 A A A A A A A A
0188994424 A A A A B B B B
0188994424 A A A A B B B B
0188994424 A A A A B B B B
0278458811 A A A A A A A A
0276605721 A A A A A A A A
0979650819 A A A A A A A A
0805840121 A A A A A A A A
0894886858 A A D A D A A A
0762387763 A A C B C B A A
0688514980 A A A A A A A A
0742242406 A A D A D A A A
0742242406 A A D A D A A A
0404547058 A A A A A A A A
0638297842 C A A A C A A A
0638297842 C A A A C A A A
0746298925 A A A A A A A A
0863486295 A A A A A A A A
0340006234 A A C A C A A A
0340006234 A A C A C A A A
0404943214 A A A A A A A A
0930158501 A A A A A A A A
0707375415 A A A A A A A A
0388007370 A A A A D A D A
0475617019 A A C B C B A A
0475617019 A A C B C B A A
0688663791 A A A A A A A A
0902260454 A A A A A A A A
0617386511 A A A A A A A A
0617386511 A A A A A A A A
0267572469 A A A A A A A A
0290791026 C A A A C A A A
0290791026 C A A A C A A A
0164543000 A A A A A A A A
0202441613 A A C A C A A A
0289292446 A A A A A A A A
0365530848 A A A A A A A A
0617986787 A A A A A A A A
0496740217 A A A A A A A A
0917131732 A A A A A A A A
0926035927 A A A A A A A A
0603795050 A A A A A A A A
0032308265 A A A A A A A A
0526040098 A A A A A A A A
0448045178 A A A A A A A A
0417818039 A A A A A A A A
0237859061 A A A A A A A A
0237859061 A A A A A A A A
0744499361 A A A A A A A A
0175902539 A A A A A A A A
0087867838 A A A A A A A A
0087867838 A A A A A A A A
0970818417 A A A A A A A A
0132083552 A A A A A A A A
0864403324 A A A A A A A A
0305255025 A A D A D A D A
0305255025 A A D A D A D A
0305255025 A A D A D A D A
0357907958 A A A A A A A A
0357907958 A A A A A A A A
0882156006 A A A A A A A A
0389550109 A A A A A A A A
0950955298 A A C B C B A A
0950955298 A A C B C B A A
0617718950 A A A A A A A A
0817980164 A A A A A A A A
0341455011 A A A A A A A A
0334588786 A A D A D B B B
0334588786 A A D A D B B B
0334588786 A A D A D B B B
0334588786 A A D A D B B B
0146430692 A A A A A A A A
0016426301 A A A A A A A A
0502063980 A A A A A A A A
0047501038 A A A A A A A A
0063703620 A A A A A A A A
0205194025 A A D A D B B B
0205194025 A A D A D B B B
0205194025 A A D A D B B B
0205194025 A A D A D B B B
0215441392 A A A A A A A A
0629151148 A A A A A A A A
0133938555 A A A A D A D A
0133938555 A A A A D A D A
0598841281 A A C B C B A A
0568261939 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
0928929046 A A D A D A A A
0928929046 A A D A D A A A
0197658429 A A A A A A A A
0821567263 A A A A A A A A
0692343551 A A A A A A A A
0358557373 A A A A A A A A
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0028477011 A A A A B B B B
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0029264920 A A A A A A A A
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0650512691 A A D A D B B B
0650512691 A A D A D B B B
0008293269 A A C A C B B B
0008293269 A A C A C B B B
0905610877 A A A A A A A A
0498048106 A A C B C B A A
0311712614 A A A A A A A A
0297718166 A A A A A A A A
0399149633 A A A A A A A A
0399149633 A A A A A A A A
0596861615 A A A A A A A A
0505400757 A A A A A A A A
0227320863 A A A A A A A A
0237603193 A A A A D A D A
0078557540 A A A A A A A A
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0710942108 A A A A A A A A
0590004680 A A A A A A A A
0799073100 A A A A A A A A
0826108892 A A A A A A A A
0319963789 C A A A C A A A
0319963789 C A A A C A A A
0714739945 A A A A A A A A
0653687659 A A C B C B A A
0370111594 A A A A A A A A
0195700153 A A A A D B D B
0195700153 A A A A D B D B
0195700153 A A A A D B D B
0195700153 A A A A D B D B
0195700153 A A A A D B D B
0392919710 A A A A A A A A
0279010260 A A C B C B A A
0692927227 A A A A A A A A
0455781406 A A A A A A A A
0227172047 A A A A B B B B
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0323048408 A A A A A A A A
0535604744 A A A A D B D B
0535604744 A A A A D B D B
0535604744 A A A A D B D B
0849998169 C A A A C B B B
0849998169 C A A A C B B B
0849998169 C A A A C B B B
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0388688654 A A A A A A A A
0334422712 A A A A A A A A
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0722953477 A A A A A A A A
0914250216 A A B B B B A A
0914250216 A A B B B B A A
0781340231 A A C B C B A A
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0141674452 A A C B C B A A
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0478749220 A A C B C B A A
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0047160022 A A A A A A A A
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0059353931 A A A A A A A A
0297939688 A A A A A A A A
0010826823 A A A A A A A A
0224364000 A A A A A A A A
0374926914 A A A A A A A A
0166671017 A A A A A A A A
0331703728 A A A A A A A A
0500160486 A A A A A A A A
0087401493 A A A A A A A A
0934604695 A A A A A A A A
0123683594 A A A A A A A A
0171698680 A A A A A A A A
0777507334 A A A A A A A A
0224787836 A A A A A A A A
0087079366 A A A A A A A A
0087079366 A A A A A A A A
0411115272 C A A A C B A A
0552582570 A A A A A A A A
0831923509 C A A A C A A A
0566235119 A A A A A A A A
0258571462 A A A A A A A A
0674517418 A A A A A A A A
0598747092 A A A A A A A A
0308346631 A A A A A A A A
0198209562 A A A A A A A A
0852578705 A A A A A A A A
0181469741 C A A A C A A A
0181469741 C A A A C A A A
0172973631 A A A A A A A A
0195260056 B B A A B B A A
0195260056 B B A A B B A A
0979354282 A A A A D A D A
0979354282 A A A A D A D A
0902479734 B B A A C B C B
0902479734 B B A A C B C B
0902479734 B B A A C B C B
0902479734 B B A A C B C B
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0448449905 B A A A B A A A
0448449905 B A A A B A A A
0318929563 C A A A C A A A
0318929563 C A A A C A A A
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0083431261 C A A A C A A A
0176464215 A A A A A A A A
0643755415 A A A A A A A A
0391030430 A A A A A A A A
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0133806802 C A A A C A A A
0133806802 C A A A C A A A
0810627045 A A A A A A A A
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0627907732 C A A A C A A A
0432132209 C A A A C A A A
0432132209 C A A A C A A A
0314944184 A A C A C A A A
0841719747 C A A A C A A A
0323637836 C A A A C A A A
0323637836 C A A A C A A A
0253839394 A A A A A A A A
0165073789 A A A A A A A A
0210642526 A A A A A A A A
0672271657 C A A A C A A A
0902640178 C A A A C A A A
0892324179 C A A A C A A A
0892324179 C A A A C A A A
0778038727 A A A A B B B B
0778038727 A A A A B B B B
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0871667533 A A A A A A A A
0702702409 A A A A A A A A
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0217297674 C A A A C A A A
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0757775016 A A C A C A A A
0214703126 A A A A A A A A
0827711180 A A A A A A A A
0826698707 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
0891830542 C B D B Compliance Ability to Repay/Qualified Mortgage Satisfied
0891830542 C B D B Compliance RESPA Satisfied
0891830542 C B D B Compliance Right of Rescission  Satisfied
0891830542 C B D B Compliance TILA/RESPA Integrated Disclosure Active
0891830542 C B D B Compliance TILA/RESPA Integrated Disclosure Satisfied
0891830542 C B D B Credit Assets Satisfied
0891830542 C B D B Credit Credit/Mtg History Satisfied
0891830542 C B D B Credit Income/Employment Satisfied
0891830542 C B D B Credit Income/Employment Satisfied
0891830542 C B D B Credit Income/Employment Satisfied
0891830542 C B D B Property Valuations Appraisal Satisfied
0891830542 C B D B Property Valuations Value Satisfied
0358266475 A A A A Credit Income/Employment Active
0445009472 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0445009472 A A D A Credit Application Active
0445009472 A A D A Credit Assets Satisfied
0445009472 A A D A Credit Income/Employment Active
0445009472 A A D A Property Valuations Appraisal Satisfied
0565792248 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0565792248 A A D A Credit Income/Employment Satisfied
0565792248 A A D A Credit Income/Employment Satisfied
0565792248 A A D A Credit Legal Documents Active
0565792248 A A D A Credit Legal Documents Satisfied
0989559892 A A A A      
0172102535 A A A A      
0234789318 A A A A      
0167511513 A A A A      
0188994424 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0188994424 A A A A Credit Income/Employment Active
0188994424 A A A A Credit Terms/Guidelines Active
0278458811 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0276605721 A A A A      
0979650819 A A A A      
0805840121 A A A A      
0894886858 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0762387763 A A C B Compliance Right of Rescission  Satisfied
0688514980 A A A A      
0742242406 A A D A Compliance Documentation Satisfied
0742242406 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0404547058 A A A A      
0638297842 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0638297842 C A A A Property Valuations FEMA Satisfied
0746298925 A A A A      
0863486295 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0340006234 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0340006234 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0404943214 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0930158501 A A A A      
0707375415 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0388007370 A A A A Credit Legal Documents Satisfied
0475617019 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0475617019 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0688663791 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902260454 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0617386511 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0617386511 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0267572469 A A A A      
0290791026 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0290791026 C A A A Property Valuations FEMA Satisfied
0164543000 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0202441613 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0289292446 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0365530848 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0617986787 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0496740217 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0917131732 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0926035927 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0603795050 A A A A      
0032308265 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0526040098 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0448045178 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0417818039 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0237859061 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0237859061 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0744499361 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0175902539 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0087867838 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0087867838 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0970818417 A A A A      
0132083552 A A A A      
0864403324 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0305255025 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0305255025 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0305255025 A A D A Credit Credit/Mtg History Satisfied
0357907958 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0357907958 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0882156006 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0389550109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0950955298 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0950955298 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0617718950 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0817980164 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0341455011 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0334588786 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0334588786 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0334588786 A A D A Credit Ability to Repay/Qualified Mortgage Active
0334588786 A A D A Credit DTI Active
0146430692 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0016426301 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0502063980 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0047501038 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0063703620 A A A A      
0205194025 A A D A Compliance State Consumer Protection Satisfied
0205194025 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0205194025 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0205194025 A A D A Credit Income/Employment Active
0215441392 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0629151148 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0133938555 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0133938555 A A A A Credit Application Satisfied
0598841281 A A C B Compliance Right of Rescission  Satisfied
0568261939 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
0928929046 A A D A Compliance Documentation Satisfied
0928929046 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0197658429 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0821567263 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0692343551 A A A A      
0358557373 A A A A      
0001442055 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0001442055 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0646168920 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0646168920 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0656643622 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0656643622 A A A A Credit Income/Employment Active
0909799015 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0909799015 A A A A Credit Credit/Mtg History Active
0435065781 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0435065781 A A A A Credit Income/Employment Satisfied
0435065781 A A A A Credit Legal Documents Active
0304112440 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0892599109 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0598221185 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0155313978 A A C B Compliance Right of Rescission  Satisfied
0435667839 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0316303659 A A A A      
0467567734 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0235567649 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0934501608 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0568327749 A A A A Credit LTV/CLTV Satisfied
0636990742 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0987410312 A A A A      
0356225648 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0356225648 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0356225648 A A D A Credit Ability to Repay/Qualified Mortgage Active
0929898885 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0331302840 A A A A      
0567431813 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0772792638 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0611439570 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0880615284 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0286395358 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0727102781 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0091999898 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0084932463 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0498176253 A A A A Credit Assets Active
0498176253 A A A A Credit Terms/Guidelines Active
0868414709 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0398810574 A A A A      
0492401808 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0855405900 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0221165349 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0229239392 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0229239392 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0465953484 A A A A      
0088333501 A A A A      
0210509784 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0043528627 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0714439402 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0714439402 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0256793336 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0172307711 C A A A Property Valuations FEMA Satisfied
0320395059 A A A A      
0423170417 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0387718274 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0170383070 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0170383070 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0925636422 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0319401242 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0923847944 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0686019166 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0686019166 A A A A Credit Assets Active
0935256896 A A A A      
0316110307 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0316110307 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0734205882 A A A A      
0700365699 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0235654953 A A A A      
0314535807 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0314535807 A A A A Credit Income/Employment Active
0657678689 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0159998015 C A A A Property Valuations FEMA Satisfied
0172474857 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0696046690 A A B B Compliance Compliance Manual Active
0696046690 A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied
0091008709 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0955989134 A A A A      
0848995684 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0509443395 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0269025572 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0572597962 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0572597962 A A A A Credit Credit/Mtg History Active
0209961006 A A A A      
0406175777 A A A A Credit Income/Employment Satisfied
0326355267 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0326355267 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0326355267 A A A A Credit Application Satisfied
0326355267 A A A A Credit Income/Employment Satisfied
0326355267 A A A A Credit LTV/CLTV Satisfied
0326355267 A A A A Credit Terms/Guidelines Active
0534859575 A A A A      
0892350963 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0375940135 A A A A      
0701821800 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0701821800 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0701821800 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0616325002 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0073034805 A A A A      
0231334101 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0725630557 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0068430033 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0559278351 A A D B Compliance Right of Rescission  Active
0559278351 A A D B Compliance State Consumer Protection Satisfied
0559278351 A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied
0831230243 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0596771914 A A A A Credit Credit/Mtg History Active
0267811530 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0069119873 A A A A      
0060601564 A A A A      
0803735263 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0803735263 A A A A Credit DTI Satisfied
0803735263 A A A A Credit Income/Employment Satisfied
0803735263 A A A A Credit Terms/Guidelines Active
0290935180 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0290935180 C A A A Property Valuations FEMA Satisfied
0698008705 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0435933950 A A A A      
0722444184 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0722444184 A A A A Credit Assets Satisfied
0911493224 A A A A Credit Income/Employment Active
0805203628 C A A A Property Valuations FEMA Satisfied
0569117909 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0569117909 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0453397647 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0453397647 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0205726976 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0356104488 A A A A      
0706815855 A A A A      
0505002330 A A A A      
0149368455 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0782961994 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0782961994 A A D A Compliance Right of Rescission  Satisfied
0782961994 A A D A Credit Credit/Mtg History Active
0782961994 A A D A Credit Income/Employment Satisfied
0782961994 A A D A Credit Legal Documents Satisfied
0892192051 C A A A Property Valuations Value Satisfied
0203802152 A A A A      
0955156588 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0481098853 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0391328966 C C A A Property Valuations Value Active
0962810216 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0460511689 A A A A      
0028477011 A A A A Credit LTV/CLTV Active
0594005576 A A A A Credit Terms/Guidelines Active
0669124532 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0517855345 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0029264920 A A A A      
0008280028 A A C B Compliance Right of Rescission  Satisfied
0008280028 A A C B Credit Credit/Mtg History Active
0939621352 A A A A      
0650512691 A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied
0650512691 A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied
0650512691 A A D A Credit Ability to Repay/Qualified Mortgage Active
0008293269 A A C A Compliance Right of Rescission  Satisfied
0008293269 A A C A Credit Terms/Guidelines Active
0905610877 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0498048106 A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied
0311712614 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0297718166 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0399149633 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0399149633 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0596861615 A A A A      
0505400757 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0227320863 A A A A      
0237603193 A A A A Credit Legal Documents Satisfied
0078557540 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0595318540 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0710942108 A A A A      
0590004680 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0799073100 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0826108892 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0319963789 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0319963789 C A A A Property Valuations FEMA Satisfied
0714739945 A A A A      
0653687659 A A C B Compliance Right of Rescission  Satisfied
0370111594 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0195700153 A A A A Credit Application Satisfied
0195700153 A A A A Credit DTI Active
0195700153 A A A A Credit DTI Satisfied
0195700153 A A A A Credit Income/Employment Satisfied
0195700153 A A A A Credit Terms/Guidelines Active
0392919710 A A A A      
0279010260 A A C B Compliance Right of Rescission  Satisfied
0692927227 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0455781406 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0227172047 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0227172047 A A A A Credit Credit/Mtg History Active
0323048408 A A A A      
0535604744 A A A A Credit DTI Active
0535604744 A A A A Credit DTI Satisfied
0535604744 A A A A Credit Terms/Guidelines Active
0849998169 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0849998169 C A A A Credit DTI Active
0849998169 C A A A Property Valuations FEMA Satisfied
0062148837 A A A A      
0433817330 A A A A      
0838218787 A A A A      
0388688654 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0334422712 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0070584510 A A C B Compliance Right of Rescission  Satisfied
0901435205 A A A A      
0722953477 A A A A      
0914250216 A A B B Compliance Texas Home Equity Active
0914250216 A A B B Compliance Texas Home Equity Active
0781340231 A A C B Compliance Right of Rescission  Satisfied
0548873977 A A C B Compliance Right of Rescission  Satisfied
0789937139 A A A A      
0141674452 A A C B Compliance Right of Rescission  Satisfied
0708733554 A A A A      
0478749220 A A C B Compliance Right of Rescission  Satisfied
0327241907 A A A A      
0264928705 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0423819313 A A A A Credit Title Satisfied
0947043588 A A A A      
0921327304 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0921327304 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0047160022 A A A A      
0578003446 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0334333278 A A A A      
0479955912 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0059353931 A A A A      
0297939688 A A A A      
0010826823 A A A A      
0224364000 A A A A      
0374926914 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0166671017 A A A A      
0331703728 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0500160486 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0087401493 A A A A      
0934604695 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0123683594 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0171698680 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0777507334 A A A A      
0224787836 A A A A      
0087079366 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0087079366 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0411115272 C B A A Property Valuations Value Satisfied
0552582570 A A A A      
0831923509 C A A A Property Valuations FEMA Satisfied
0566235119 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0258571462 A A A A      
0674517418 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0598747092 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0308346631 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0198209562 A A A A      
0852578705 A A A A      
0181469741 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0181469741 C A A A Property Valuations FEMA Satisfied
0172973631 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0195260056 B B A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0195260056 B B A A Property Valuations FEMA Active
0979354282 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0979354282 A A A A Credit Income/Employment Satisfied
0902479734 B B A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902479734 B B A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0902479734 B B A A Credit Assets Active
0902479734 B B A A Credit Terms/Guidelines Satisfied
0902479734 B B A A Property Valuations FEMA Active
0448449905 B A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0448449905 B A A A Property Valuations FEMA Satisfied
0318929563 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0318929563 C A A A Property Valuations FEMA Satisfied
0419254311 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0083431261 C A A A Property Valuations FEMA Satisfied
0176464215 A A A A      
0643755415 A A A A      
0391030430 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0596751492 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0133806802 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0133806802 C A A A Property Valuations FEMA Satisfied
0810627045 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0627907732 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0627907732 C A A A Property Valuations FEMA Satisfied
0432132209 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0432132209 C A A A Property Valuations FEMA Satisfied
0314944184 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0841719747 C A A A Property Valuations FEMA Satisfied
0323637836 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0323637836 C A A A Property Valuations FEMA Satisfied
0253839394 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0165073789 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0210642526 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0672271657 C A A A Property Valuations FEMA Satisfied
0902640178 C A A A Property Valuations FEMA Satisfied
0892324179 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0892324179 C A A A Property Valuations FEMA Satisfied
0778038727 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0778038727 A A A A Credit Income/Employment Active
0928569869 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0871667533 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0702702409 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0217297674 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0217297674 C A A A Property Valuations FEMA Satisfied
0846348091 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0846348091 C A A A Property Valuations FEMA Satisfied
0371702040 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0371702040 A A A A Credit Credit/Mtg History Active
0016883835 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0016883835 C A A A Property Valuations FEMA Satisfied
0835308027 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0951877372 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0136671540 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0698674168 A A A A      
0727541843 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0225220355 B A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0225220355 B A A A Property Valuations FEMA Satisfied
0047162086 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0486972146 A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied
0732354163 C A A A Credit Terms/Guidelines Active
0732354163 C A A A Property Valuations FEMA Satisfied
0828386484 C A A A Property Valuations FEMA Satisfied
0647644232 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0038224148 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0907456397 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0214086633 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0112876272 C A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0112876272 C A A A Property Valuations FEMA Satisfied
0482713964 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0421931063 A A B B Compliance TILA/RESPA Integrated Disclosure Active
0713178371 A A B B Compliance TILA/RESPA Integrated Disclosure Active
0257860964 A A A A      
0938822959 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0616406934 A A A A      
0757775016 A A C A Compliance Right of Rescission  Satisfied
0214703126 A A A A      
0827711180 A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied
0826698707 A A A A      

 

Alt loan Number Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description
0891830542 N/A A N/A A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
0891830542 B A B A CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file
0891830542 D A D A CMPROR113 ROR - Missing Right of Rescission form
0891830542 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0891830542 B A B A CMPTRID3476 TRID - Written List of Providers not provided or untimely
0891830542 C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements
0891830542 C A C A CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0891830542 D A D A CRDINC2408 Income verification does not meet guidelines
0891830542 D A D A CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers
0891830542 D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers
0891830542 A A A A PRVAAPPR3116 Missing updated valuation
0891830542 C A C B PRVAVALU153 Value Not Supported
0358266475 B B B B CRDINC2488 Verbal verification of employment missing
0445009472 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.
0445009472 B B B B CRDAPP131 Occupancy status not supported by file documentation
0445009472 B A B A CRDAST115 Cash reserves do not meet guidelines
0445009472 B B B B CRDINC2488 Verbal verification of employment missing
0445009472 A A A A PRVAAPPR3116 Missing updated valuation
0565792248 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.
0565792248 D A D A CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers
0565792248 D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers
0565792248 B B B B CRDLGL2996 Missing Trust Documents
0565792248 B A B A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0989559892            
0172102535            
0234789318            
0167511513            
0188994424 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0188994424 B B B B CRDINC126 Length of employment/self-employment does not meet guidelines
0188994424 B B B B CRDTER3262 Property issues indicated
0278458811 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0276605721            
0979650819            
0805840121            
0894886858 D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry
0762387763 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0688514980            
0742242406 D A D A CMPDOC3276 Title document in file is incomplete
0742242406 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0404547058            
0638297842 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0638297842 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0746298925            
0863486295 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0340006234 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0340006234 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.
0404943214 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0930158501            
0707375415 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0388007370 D A D A CRDLGL100 Legal document incorrect or incomplete
0475617019 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0475617019 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
0688663791 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0902260454 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0617386511 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0617386511 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0267572469            
0290791026 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0290791026 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0164543000 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0202441613 C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
0289292446 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0365530848 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0617986787 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0496740217 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0917131732 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0926035927 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0603795050            
0032308265 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0526040098 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0448045178 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0417818039 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0237859061 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0237859061 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0744499361 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0175902539 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0087867838 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0087867838 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0970818417            
0132083552            
0864403324 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0305255025 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.
0305255025 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0305255025 D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0357907958 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0357907958 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0882156006 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0389550109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0950955298 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0950955298 C B C B CMPTRID3955 TRID - CD: The Property Tax escrow indicator in the Projected Payments section disagrees with the Escrowed/Non-Escrowed Property Costs over Year 1 indicators in the Loan Disclosures section
0617718950 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0817980164 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0341455011 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0334588786 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.
0334588786 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0334588786 B B B B CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review
0334588786 B B B B CRDDTI105 Debt Ratio Exception 5% or Less
0146430692 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0016426301 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0502063980 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0047501038 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0063703620            
0205194025 D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
0205194025 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0205194025 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0205194025 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0215441392 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0629151148 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0133938555 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0133938555 D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency
0598841281 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0568261939 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0763457022 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0763457022 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0928929046 D A D A CMPDOC806 Notary Status is missing
0928929046 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0197658429 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0821567263 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0692343551            
0358557373            
0001442055 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0001442055 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0646168920 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0646168920 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0656643622 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0656643622 B B B B CRDINC2340 Employment verification does not meet guidelines
0909799015 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0909799015 B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks)
0435065781 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0435065781 B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0435065781 D B D B CRDLGL4033 Missing Legal Document(s)
0304112440 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0892599109 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0598221185 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0155313978 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0435667839 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0316303659            
0467567734 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0235567649 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0934501608 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0568327749 C A C A CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0636990742 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0987410312            
0356225648 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.
0356225648 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0356225648 B B B B CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review
0929898885 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0331302840            
0567431813 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0772792638 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0611439570 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0880615284 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0286395358 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0727102781 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0091999898 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0084932463 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0498176253 B B B B CRDAST115 Cash reserves do not meet guidelines
0498176253 B B B B CRDTER3262 Property issues indicated
0868414709 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0398810574            
0492401808 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0855405900 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0221165349 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0229239392 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0229239392 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0465953484            
0088333501            
0210509784 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0043528627 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0714439402 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0714439402 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.
0256793336 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0172307711 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0320395059            
0423170417 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
0387718274 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0170383070 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0170383070 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0925636422 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0319401242 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0923847944 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0686019166 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0686019166 B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0935256896            
0316110307 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0316110307 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
0734205882            
0700365699 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0235654953            
0314535807 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0314535807 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0657678689 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0159998015 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0172474857 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0696046690 B B B B CMPMAN2954 Missing Initial Escrow
0696046690 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0091008709 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0955989134            
0848995684 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0509443395 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0269025572 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0572597962 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0572597962 B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement
0209961006            
0406175777 B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0326355267 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0326355267 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0326355267 C A C A CRDAPP2418 Ownership history inaccurate / incomplete
0326355267 C A C A CRDINC150 Income docs do not meet guidelines
0326355267 C A C A CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5%
0326355267 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0534859575            
0892350963 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0375940135            
0701821800 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0701821800 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0701821800 C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.
0616325002 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0073034805            
0231334101 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0725630557 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0068430033 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0559278351 B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
0559278351 D A D A CMPSTCP1763 CT Home Loan - Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits
0559278351 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0831230243 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.
0596771914 B B B B CRDCRMH120 Collections, charge offs, liens, etc. exceed guidelines
0267811530 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0069119873            
0060601564            
0803735263 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0803735263 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0803735263 C A C A CRDINC2488 Verbal verification of employment missing
0803735263 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0290935180 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0290935180 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0698008705 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0435933950            
0722444184 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0722444184 D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements
0911493224 B B B B CRDINC150 Income docs do not meet guidelines
0805203628 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0569117909 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0569117909 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0453397647 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0453397647 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0205726976 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0356104488            
0706815855            
0505002330            
0149368455 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0782961994 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.
0782961994 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0782961994 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit
0782961994 C A C A CRDINC150 Income docs do not meet guidelines
0782961994 D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws
0892192051 C A C A PRVAVALU5249 Property Value Not Supported
0203802152            
0955156588 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0481098853 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0391328966 C C C C PRVAVALU5249 Property Value Not Supported
0962810216 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0460511689            
0028477011 B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10%
0594005576 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0669124532 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0517855345 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0029264920            
0008280028 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0008280028 B B B B CRDCRMH104 Credit score below guidelines
0939621352            
0650512691 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.
0650512691 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0650512691 B B B B CRDATRQM5170 TILA - ATR/QM: Lender changed their status determination based upon Clayton's review
0008293269 C A C A CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
0008293269 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0905610877 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0498048106 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
0311712614 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0297718166 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0399149633 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0399149633 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0596861615            
0505400757 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0227320863            
0237603193 D A D A CRDLGL2862 Copy of Note in file is incomplete
0078557540 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0595318540 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0710942108            
0590004680 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0799073100 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0826108892 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0319963789 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0319963789 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0714739945            
0653687659 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0370111594 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0195700153 C A C A CRDAPP131 Occupancy status not supported by file documentation
0195700153 B B B B CRDDTI105 Debt Ratio Exception 5% or Less
0195700153 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0195700153 B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0195700153 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0392919710            
0279010260 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0692927227 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0455781406 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0227172047 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0227172047 B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements
0323048408            
0535604744 B B B B CRDDTI105 Debt Ratio Exception 5% or Less
0535604744 D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI
0535604744 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0849998169 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0849998169 B B B B CRDDTI106 Debt Ratio Exception >5% and <10%
0849998169 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0062148837            
0433817330            
0838218787            
0388688654 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0334422712 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0070584510 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0901435205            
0722953477            
0914250216 B B B B CMPTXHE320 TX Equity - Texas Equity : Missing T.42 Title Endorsement
0914250216 B B B B CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
0781340231 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0548873977 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0789937139            
0141674452 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0708733554            
0478749220 C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period
0327241907            
0264928705 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0423819313 C A C A CRDTIL100 Potential title issue
0947043588            
0921327304 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0921327304 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0047160022            
0578003446 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0334333278            
0479955912 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0059353931            
0297939688            
0010826823            
0224364000            
0374926914 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0166671017            
0331703728 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0500160486 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0087401493            
0934604695 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0123683594 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0171698680 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0777507334            
0224787836            
0087079366 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0087079366 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0411115272 C A C B PRVAVALU5249 Property Value Not Supported
0552582570            
0831923509 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0566235119 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0258571462            
0674517418 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0598747092 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0308346631 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0198209562            
0852578705            
0181469741 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0181469741 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0172973631 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0195260056 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0195260056 B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0979354282 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0979354282 D A D A CRDINC3204 Income Documentation Missing
0902479734 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0902479734 A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.
0902479734 B B B B CRDAST115 Cash reserves do not meet guidelines
0902479734 C A C A CRDTER3122 Loan documents do not meet guideline requirements
0902479734 B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0448449905 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0448449905 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0318929563 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0318929563 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0419254311 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0083431261 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0176464215            
0643755415            
0391030430 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0596751492 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0133806802 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0133806802 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0810627045 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0627907732 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0627907732 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0432132209 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0432132209 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0314944184 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.
0841719747 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0323637836 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0323637836 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0253839394 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0165073789 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0210642526 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0672271657 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0902640178 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0892324179 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0892324179 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0778038727 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0778038727 B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding
0928569869 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0871667533 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0702702409 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0217297674 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0217297674 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0846348091 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0846348091 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0371702040 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0371702040 B B B B CRDCRMH104 Credit score below guidelines
0016883835 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0016883835 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0835308027 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0951877372 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0136671540 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0698674168            
0727541843 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0225220355 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0225220355 B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public)
0047162086 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0486972146 C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period
0732354163 B B B B CRDTER3122 Loan documents do not meet guideline requirements
0732354163 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0828386484 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0647644232 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0038224148 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0907456397 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0214086633 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0112876272 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0112876272 C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public)
0482713964 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0421931063 B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE
0713178371 B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.
0257860964            
0938822959 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0616406934            
0757775016 C A C A CMPROR2442 Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective)
0214703126            
0827711180 A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file
0826698707            

 

Alt loan Number Condition Material Indicator Initial Comments Client/Seller Response Comments
0891830542 No 1.  Missing CPA letter verifying employment for XXX. 2.  Paystubs for B2, XXX, are expired.  Need 30 day paystubs for XXX, dated within 120 days of note date. 3.  Need signed pages of tax returns for: 2014 XXX2015 1040 XXX 2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0891830542 No List of homeowners counseling organizations not in file  5/15/17 - HOC List provided Dated XXX
0891830542 No Missing Right of Rescission form  5/15/17 - Signed ROR for all Borrowers Provided
0891830542 No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) is $XXX which does not equate to the amount based on the Reg's formula of $XXX 05.25.2017 - Lender responded that they disagree and that their Compliance Team does not validate the accuracy of the Closing Costs Financed (Paid from your Loan Amount) figure in the Calculating Cash to Close Table.  Lender stated that per CFPB Guide to loan estimate and closing disclosure forms, Closing Costs Financed (Paid from your Loan Amount) is the sum of the amounts in the Final column of the Loan Amount and Total Payoffs and Payments. However, the amount is disclosed only if the sum is greater than zero and no larger than the Total Closing Costs (deducting the amount in the Final column of Closing Costs Paid Before Closing). ( 1026.38(e)(6)).  )).  For this loan, the Closing Costs Financed (Paid from your Loan Amount) figure of $XXX (the Total Closing Costs) disclosed on the Final CD dated XXX is accurate because the Cash to Close to the borrower of $XXX exceeds the Closing Costs Paid Before Closing of $629.88.  This is not a testing defect so corrective action is not required.Exception remains.  Clayton Compliance reviewed and noted that the regulation is clear on how to determine the amount financed by the loan on the CD.  CFPB rule 1026.38(J)(4)(ii):For purposes of this paragraph (j), closing funds means funds collected and disbursed at real estate closing. If we use the example provided to use by the CFPB documents you will see the amount of Closing Cost is charges not paid with closing funds and should be removed from total of Closing cost due to already being funded. Then the New Closing cost if loan is used to fund then that amount should be disclosed in the Closing Costs Financed (paid from your Loan Amount) not to be less than $XXX.
0891830542 No Written List of Providers not provided  5/15/17 - SPL provided Dated XXX
0891830542 No PCL requirement is of loan amount, $XXX, due to loan exceeding # of mortgaged properties allowed over 4.  Borrower has 9 properties financed.  PCO approved exception for > 4 financed properties on a primary residence with less than 50% loan amt.  Borrower has $97,045.83 in reserves. 5.25.17 - Lender response "LVAM approved exception(s) - Reserve requirements / Post Close Liquidty (PCL) requirement and Multiple financed properties > 4. Exception(s) approved under the PCO delegated authority."
0891830542 No PCO approved loan with greater than four properties financed.  Borrower has 9 properties financed.   5.15.17 Client rebuttal states LVAM approved exception - Multiple financed properties > 4 and subject LTV < 80%. Transaction approved under the XXX delegated authority. However, exception remains.
0891830542 No 1.  Missing CPA letter verifying employment for XXX. 2.  Paystubs for B2, XXX, are expired.  Need 30 day paystubs for XXX, dated within 120 days of note date. 3.  Need signed pages of tax returns for: 2014 1040 XXX2015 1040 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX2014 and 2015 XXX 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy. Signed returns, P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.  Numbers 1 & 2, Employment verification, still required per guidelines.5.26.17 - Lender's rebuttal: 1- Business license (attached) verifying employment for XXX. 2- WVOE (attached) was used in lieu of obtaining updated paystub(s).   
0891830542 No Missing 2016 Profit and loss stmt, signed, for the following businesses: XXX 5.15.17 Client rebuttal Per non-conforming underwriting guidelines transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is waived. However exception remains.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0891830542 No Missing 2016 Balance sheet, signed, for the following businesses: XXX Per non-conforming underwriting guidelines transactions may be considered for approval for borrowers where the current P&L and/or balance sheet is waived.5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0891830542 No Missing updated valuation 5.3.17 Desk Review received value indeterminate dated XXX, value not supported. Field Review recommended. 
0891830542 No 5.3.17 Field Review ordered.  6.1.17 Field Review received valued at $XXX, value supported. 
0358266475 No The Borrower is XXX. The underwriter must verify employment at the time the loan is decisioned or when the documentation is reviewed. Employment needs to be verified by analyzing tax returns and financial statements. The decisioner verifies the existence of the business using one or more of, but not limited to, the following sources: Supporting documentation verifying the existence of the business,  Secretary of State website,  Regulatory agency, Contractor or professional organization, CPA, Other available resources. VVOE must be completed within 30 days from the closing date.  05.11.17 Lender provided a copy of a business entity search, however, the date/effective date of the search is missing.5.22.17 - Lender provided a rebuttal indicating they disagree.  Lender's rebuttal:"Guidelines require the lender to re-verify (document) the existence of the XXX 30 days from the closing date. Underwriting notes XXX support the verification of the borrower's business via the XXX. The loan notes are sufficient to validate the date the search was completed. No additional documentation was required." 5.26.17 Lender provided screenshot of secretary of state status, however status is in default and the license has expired 9.30.16. Provide current documentation of business verification
0445009472 No Missing documentation, required per Appendix Q, to complete the ATR/QM status determination review:Missing the Verbal VOE within 30 days for XXX. 5.24.17 Lender provided internal comments on income, this is not verification of XXX. Exception remains, provide 3rd party evidence that each business still exists.6.19.17 Client provided updated ATR QM status as a Non QM loans
0445009472 No Borrower purchasing a Second Home where rental properties are.  An approved exception dated XXX granting approval based on elderly parent and needs to care for.  The approved exception is noted however exception remains. 5.28.17 Lender rebuttal LVAM tracking approved - Property purchased for occupancy by direct family member. Tracking was approved under the PCO delegated authority to allow purchase of a second home in same market as other investment property owned.  
0445009472 No 17.73 months PITI reserves shortfall.  The reserves of 18.27 months PITI reserves is short 17.73 months PITI reserves (18 months Subject Property Second Home, 3 additional financed properties 18 months PITI reserves).   5.28.17 Lender rebuttal Loan was closed as a second home transaction requiring 18 months post close liquidity reserves $57,975.66 ($3220.87 x 18). Total assets verified with XXX $325,542.15 less funds required to close per final Closing Disclosure $266,491.28, remaining funds of $59,050.87 available to satisfy reserve requirement. Additional reserves for other financed properties only applies if rental income used for qualifying exceeds 25% of qualifying income, or aggregate financing for all properties owned by the borrower exceeds $XXX. Neither policy is applicable for this transaction.
0445009472 No Provide the Verbal VOE within 30 days for XXX. 5.24.17 Lender provided internal comments on income, this is not verification of XXX. Exception remains, provide 3rd party evidence that each business still exists.
0445009472 No Missing XXX. 5/10/2017 - Desk review received with a value of $XXX. Original appraisal value supported.
0565792248 No Missing P&L and balance sheet. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0565792248 No Missing Balance Sheet and P&L for for borrower dba XXX. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0565792248 No Missing Balance Sheet and P&L for borrower XXX. 5.25.17 - Lender provided supplemental guidelines to their proprietary (non-QM) policy.  P&L and Balance sheets are not required per guidelines and lender has updated their status to a Non-QM to match Clayton's review.
0565792248 No Provide the Trust Agreement for XXX dated XXX as only the Trust Cert is located in the file. 5.28.17 Lender rebuttal A Trust Agreement was not required. California has enacted a Uniform Trust Code that allows the use of a Trust Certification in lieu of the attorneys opinion letter and copies of trust documents. Please provide trust agreement.
0565792248 No Provide evidence that XXX HELOC account ending #XXX has been closed to future draws and satisfied of record. 5.24.17 - Lender provided copy of XXX HELOC Payoff, Final CD reflecting payoff ofXXX HELOC & Final Title policy indicating no second lien or subordinate financing in place. 
0989559892      
0172102535      
0234789318      
0167511513      
0188994424 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0188994424 No Approved Lender exception for minimum length of employment for use of Bonus income. Clayton deems non-material due to the following compensating factors: Credit score 778, Credit depth on file since 2000 with 21 trade lines & 5 open with no derogatory credit, excellent mortgage history and borrower has a 2 year history of earning bonus income and new employer expects to bonus will range between $55k and $80k per letter dated 7-14-20.    (No Data)
0188994424 No Approved Lender exception for Ineligible property type due to no closed comps with ADU. Clayton deems non-material due to the following compensating factors: Purchase price supported without the value of accessory unit and Property appears marketable.  (No Data)
0278458811 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0276605721      
0979650819      
0805840121      
0894886858 No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. 7.21.20 - Client responded. "Two copies of Seller CD attached, a signed copy by each seller is provided. 
0762387763 No Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR. 8.10.20 - Client responded. Agree - Per system of record funds disbursed on XXX.  PC CD with corrected disbursement date and per diem date required to remedy.  Open rescission is not required. Remediation requestedXXX - Client responded. "Disagree - Post Consummation CD with corrected disbursement and prepaid interest dates sent to borrowers on XXX.  See attached PC CD.
0688514980      
0742242406 No Title policy amount of $XXX does not match loan amount of $XXX as required by guidelines.  8.25.20 - Client responded. See attached Title Policy
0742242406 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0404547058      
0638297842 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0638297842 No No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  10.26.20 - Property Inspection Report provided and no damage. 
0746298925      
0863486295 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0340006234 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0340006234 No Ten percent tolerance increase between LE XXX and CD XXX by $50.40. The Recoding fees increased without valid documentation. 7.21.20 - Client responded. "Disagree - Ten percent tolerance fees did not increase outside of allowable threshold. Individual fees are not each held to a 10% tolerance. The recording fee was just one of the 10% fees along with the Title - All Endorsements, Title - Closing/Escrow, Title - Courier, Title - Doc Prep, Title - Lender's Policy, Title - Loan Tie In, Title - Notary and Title - Recording Service fees.  The borrower did not shop for the title company.
0404943214 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0930158501      
0707375415 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0388007370 No Title report indicates the property is located in a PUD and HOA fee information in file reflecting $203.39 per month. Loan closed without PUD rider to Deed of Trust. Provide Signed PUD rider to deed of trust.  3.8.21 - Client responded. Corrected Deed and PUD rider provided. 
0475617019 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0475617019 No $580.00 zero tolerance due to increase in Appraisal fee from $615 to $745 on CD XXX and addition of $450 Survey fee on CD XXX without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 9.2.20 - Client responded. PC CD and Refund Check sent to borrower.  See attached supporting documents.
0688663791 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0902260454 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0617386511 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0617386511 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A (No Data)
0267572469      
0290791026 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0290791026 No Declaration Date; XXX Effective Date; XXX, Clayton to order property inspection 10.26.20 - Property Inspection Report provided and no damage. 
0164543000 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0202441613 No Zero tolerance fail in the amount of $250 due to addition of subordination fee from LE XXX and CD's.  No COC was provided disclosing additional fee.  Borrower is due refund of $250, LOX, and proof of delivery required. 8.14.20 - Client responded. Disagree - The LE date issued XXX disclosed an addition of a Subordinate non XXX Lien fee in the amount of $250, with a valid change circumstance reason of HELOC to be subordinated. Date of knowledge was XXX. Meets three day timing. Copy of changed circumstance verbiage is attached. Not a testing defect. No corrective action required.
0289292446 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0365530848 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0617986787 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0496740217 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0917131732 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0926035927 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0603795050      
0032308265 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0526040098 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data)
0448045178 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0417818039 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0237859061 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0237859061 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0744499361 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0175902539 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0087867838 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0087867838 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0970818417      
0132083552      
0864403324 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0305255025 No The loan file is missing cancelled checks to support rental payments made for November 2019 and September 2019 in the amount of $3200 per month.  7.17.20 - Client responded. Copy of Sept Check verifying $3200 rent payment attached. Could not locate November verification. There are 12 months total VOR through bank statements and checks though. In addition borrower Credit Report confirms he had 2 mortgage accounts dating back to 2010 (current)  & 2012 (now closed) showing acceptable payment history with no late payments. ATR adequately supported. 
0305255025 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0305255025 No The loan file is missing cancelled checks to support rental payments made for November 2019 and September 2019 in the amount of $3200 per month.  7.17.20 - Client responded. Copy of Sept Check verifying $3200 rent payment attached. Could not locate November verification. There are 12 months total VOR through bank statements and checks though. In addition borrower Credit Report confirms he had 2 mortgage accounts dating back to 2010 (current)  & 2012 (now closed) showing acceptable payment history with no late payments. ATR adequately supported. 
0357907958 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0357907958 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0882156006 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0389550109 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0950955298 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0950955298 No Final CD XXX, Projected Payments, Section is Property Taxes in escrow?, option selected was "Yes". However in Loan Disclosure Section Escrowed Property Cost over Year 1 -  Property taxes are not present.PCCD required with correction to Loan disclosure section escrow property cost Year 1.  11.3.20 - Client responded. Agree - The Projected Payments table of page 1 of the Consummation CD discloses Property Taxes and Homeowner's Insurance escrow of $843.62, which also matches the escrow section on page 2 of the CD. The Loan Disclosures section on page 4 of the Consummation CD indicates the same $843.62 as the Monthly Escrow and Initial Escrow Payment. The Escrowed Property Costs over Year 1 is $10,123.44 which matches the $843.62 x 12 and includes the Property Tax cost; however, they did not list "Property Taxes" in the box that discloses the Hazard/Home Owners Insurance as included in the total. We consider this a Non-Numerical Clerical Error (NNCE) and would not typically request a new CD to correct this issue. We can request a new one if investor requires it. 11.3.20 - Clayton has reviewed and considers this a material exception therefore requires corrected PCCD. 1.11.21 - Client responded. Updated CD disclosing "County Tax" was included in the Escrowed Property Costs over Year 1 section on page 4 was sent to the borrower(s) on XXX.  See attached Post Consummation CD.
0617718950 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0817980164 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0341455011 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0334588786 No Clayton review found income to be slightly lower at $7735 for B1 and $11,367.76 for B2. Borrower 1 income was calculated at $3750 instead of $3570 per pay period; difference of $390 per month causing DTI to be above 43%. Borrower 1 does reflect commission income but has only worked for current company 9 months therefore commission is being used as a compensating factor according to lender Underwriter.  7.21.20 - Client responded. "Agree income should have been $3570 per pay period. $3570*26/12 = $7735 mo. Total DTI would be 43.59%. However, ATR adequately supported.  Compensating factors:  1- Average of $1542 per pay period in Commissioin income not used  2- Job stability, both borrowers 6 years experience in current field  3- High residual income, $10,776 mo  4- Demonstrated savings ability, $261,781.82 in checking/savings   5- Borrower put 20%  down payment  7.21.20 - Clayton has reviewed and a QM exception cannot be downgraded with compensating factors. The loan has over a 43% DTI which is a QM issue. Does client agree this should be Non-QM and request status change. 7.22.20 - Client responded.  Please re-status as Non-QM and re-grade accordingly 
0334588786 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0334588786 No Client request to re-status as Non-QM due to DTI over 43%.  (No Data)
0334588786 No Clayton review found income to be slightly lower at $7735 for B1 and $11,367.76 for B2. Borrower 1 income was calculated at $3750 instead of $3570 per pay period; difference of $390 per month causing DTI to be above 43%. Borrower 1 does reflect commission income but has only worked for current company 9 months therefore commission is being used as a compensating factor according to lender Underwriter.  7.21.20 - Client responded. "Agree income should have been $3570 per pay period. $3570*26/12 = $7735 mo. Total DTI would be 43.59%. However, ATR adequately supported.  Compensating factors:  1- Average of $1542 per pay period in Commissioin income not used  2- Job stability, both borrowers 6 years experience in current field  3- High residual income, $10,776 mo  4- Demonstrated savings ability, $261,781.82 in checking/savings   5- Borrower put 20%  down payment  7.21.20 - Exception is already non-material as a credit exception and will remain so. 
0146430692 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0016426301 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0502063980 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0047501038 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0063703620      
0205194025 No No Cert of Compliance or Cert of Exemption in file  10.23.20 - Client responded. "Disagree - The Cert. of Exemption was provided and present in the file.  See attached.
0205194025 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0205194025 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0205194025 No Guidelines require verification of business within 10 business days of note date. Verification of business provided is dated XXX.Provide satisfactory verification of business (XXX) within 10 business days of note date.  (No Data)
0215441392 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0629151148 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0133938555 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0133938555 No Missing documentation related to citizenship/residency for Borrower 2.  7.30.20 - Client responded. Document requested was originally delivered with the file on XXX, located on pages 700-701 of the PDF. Attached is a copy of the requested document.
0598841281 No Expiration date on ROR is XXX.  CD discloses loan disbursement date is XXX.  Loan disbursed prior to the end of rescission period. PCCD required with a disbursement date of XXX. 8.14.20 - Client responded. Disagree - Actual closing date is XXX. Disbursement date is XXX.  Consummation CD was incorrect; however, a Post Consummation CD was issued on XXX with the correct closing and disbursement dates.  See PC CD attached.  No corrective action required.
0568261939 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0763457022 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0763457022 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0928929046 No Notary Status is missing from the Mortgage 8.19.20 - Client responded. Notary page originally delivered with file page 624 of the PDF. Validate with the county website notary page attached is the correct one filed with the county recorded Mortgage.
0928929046 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0197658429 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0821567263 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0692343551      
0358557373      
0001442055 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0001442055 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0646168920 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0646168920 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0656643622 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0656643622 No Approved Lender exception for Minimum length of employment requirement not met, guidelines required if the two-year employment history reflects an extended absence (6 months or more) and the income is being used to qualify:  Current time on job must be at least 6 months. Borrower had less than 6 months with new employer.  Clayton deems as non-material based on Compensating factors of  DTI 29.76% below guideline max and borrowers have residual income of 25000.00 monthly  (No Data)
0909799015 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0909799015 No Lender approved exception for lack of housing history. Borrowers have been living with parents for a year and do not have a formal housing payment, but did start to pay rent of 3500.00 in September 2019 only having about 8 months documented.  Clayton deems non-material based on compensating factors of both borrowers income is steady but also having a high ceiling, First time home buyer, revolving debt is very low. (No Data)
0435065781 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0435065781 No Guidelines require verification of the existence of the business within 10 days of note for any borrower that is XXX. Lender provided an internet printout of business, however there is no date on the printout to establish if it was done within 10 days of note date. Provide satisfactory verification of the existence of the business - XXX within 10 days of note date.   9.22.20 - Client responded. "VOE - Existence of business (active status) for XXX attached - 2 attachments.
0435065781 No Missing 1031 Exchange agreement and title transfer on the relinquished property located at XXX 9.23.20 - Client responded. Attached is copy of exchange agreement; title transfer pending
0304112440 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0892599109 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0598221185 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0155313978 No Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR. 8.19.20 - Client responded. "Disagree - Post Consummation Closing Disclosure was sent to the borrower on XXX that discloses the correct closing date of XXX and disbursement date of XXX. See attached PC CD.  No further corrective action required.
0435667839 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0316303659      
0467567734 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0235567649 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0934501608 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0568327749 No Client used the higher value from appraisal review of $XXX instead of Original Appraised value of $XXX. Valuation review only supported the $XXX. Note amount of $XXX = 75.70% LTV/CLTV and over the allowed 75% per guidelines.  5.6.21 - Upon Further Clayton review the Original Appraised value was $XXX and the Appraisal Review reflected $XXX. A reconciliation review of both came back with a value of $XXX. This supports the Original Appraised Value within the -10% tolerance and LTV/CLTV is 71.04% and under the maximum of 75%. 
0636990742 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0987410312      
0356225648 No QM Guidelines require an explanation for gap of employment and a full two year work history prior to an extended absence (6 months or more) by traditional employment verifications and/or copies of w-2s and paystubs; application indicates borrower's previous employment with XXX and 2018 w-2 was provided. Current employment with XXX  to present therefore gap in employment of 14 months. NO LOE found in file. QM compliance requires a documented two-year work history prior to the absence. Provide an explanation of gap of employment from XXX and satisfactory evidence of a full 2 year employment history from XXX. 8.26.20 - Client responded. "Borrower has been in the same line of work over 15 years. Borrower was laid off at XXX. Borrower explanation of extended absence in underwriting notes attached. Gap in employment did not affect stability or continuance. Only base pay used to qualify supported with WVOE and year-to-date earnings8.26.20 - Clayton has reviewed and notes from the underwriter do not satisfy this exception. It is required the reason for the gap in employment has to come from the borrower in form of LOE. Even an email from borrower is fine as document does not have to be signed. 8.27.20 - Client responded. Re-status as Non-QM and regrade accordingly
0356225648 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A (No Data)
0356225648 No Requested re-status to Non-QM per client.  (No Data)
0929898885 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0331302840      
0567431813 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0772792638 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0611439570 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0880615284 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0286395358 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0727102781 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0091999898 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0084932463 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0498176253 No Approved Lender exception for asset profile being deficient with only 5.5 months liquid PCL and guidelines require 12 months.  Clayton deems non-material due to the following compensating factors: DTI at 26%, over $46k per month in residual income, low credit usage, over $3million in potential stock awards for B2, excellent mortgage payment history.   (No Data)
0498176253 No Approved Lender exception for Insufficient collateral based on comparable with similar square footage limiting LTV to 75%.Clayton deems non-material due to compensating factors: DTI 26.80, over $46k per month residual income and long term stable employment history for both borrowers (B1 over 9 years and B2 over 15 years). Also stable upward trending market values in the area.  (No Data)
0868414709 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0398810574      
0492401808 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0855405900 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0221165349 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0229239392 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0229239392 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0465953484      
0088333501      
0210509784 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0043528627 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0714439402 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0714439402 No Ten percent tolerance fee  increased for fees in section C of the LE XXX to section B of CD XXX.Title closing /escrow $1845Title-Lender Policy $1252Loan tie In $ 325.00Title Notary $200.00Letter of explanation, corrected Closing Disclosure,Refund required in the amount of $3632 , proof of delivery within 60 days of consummation. 9.17.20 - Client responded. "Disagree - Ten percent fees did not increase out of tolerance from LE date issued XXX to Consummation CD date issued XXX.  The fees were disclosed in section C of the LE and in section B of the CD.  Fees are held to tolerance based on the total and the total of fees decreased. Each individual fee is not held to the 10% tolerance.
0256793336 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0172307711 No Declaration Date XXX  Effective Date XXX Clayton to order Property inspection 10.19.20  Property Inspection Report provided and no damage. 
0320395059      
0423170417 No CD XXX -Projected Payments, Estimated Taxes, Insurance & Assessments Value per month is $1427.53,Loan Disclosures, Estimated Costs Over Year 1 Value is  $5722.26. 1427.53x12=$17130.36 Annually. 8.17.20 - Client responded. "Agree - Estimated Taxes, Insurances and Assements (ETIA) monthly amount of $1427.53 on page 1 of the CD is incorrect and does not calculate to the amount disclosed in the No Escrow - Estimated Property Cost over Year 1 on page 4 of the CD. Annual Insurance $788.01; Annual Taxes: $4934.17; Total Annual: $5722.26; Correct Monthly ETIA: $476.86 (rounded). Remediation requested.9.30.20 - Client responded. Disagree - Post Consummation CD disclosing the correct ETIA of $476.86 sent to borrower(s) on XXX.  See attached PC CD. 
0387718274 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0170383070 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0170383070 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0925636422 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0319401242 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0923847944 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0686019166 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0686019166 No Approved Lender Exception for reserve requirements, guideline required 30 months reserves. Clayton deems as non-material based on Compensating factors of Overallcredit profile is good with stable income with strong potential for increasing earnings,ratios of 24.115%/42.009% with strong residual income of $12,960.06/ mo. (No Data)
0935256896      
0316110307 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0316110307 No Zero tolerance fee increased for Appraisal from LE XXX to CD XXX in the amount of $11.46. Final CD dated XXX includes a credit of $2.60 which is not sufficient to cure the tolerance. LOE required with  corrected Closing Disclosure, refund of $ 8.86 proof of delivery within 60 days of consummation. 8.11.20 - Client responded. Disagree: Appraisal fee disclosed as $698 on LE date issued XXX. CD date issued XXX and final CD date issued XXX disclosed the Appraisal fee as $690. Borrower paid $11.46 at closing and $678.54 before closing toward appraisal fee.  Total appraisal fee paid by borrower = $690. Not a testing defect. No further action required.
0734205882      
0700365699 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0235654953      
0314535807 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0314535807 No Guidelines require verification of existence of business within 10 days of note. A copy of business and accountant license provided however it does not provide evidence of business existence within 10 days of note.  (No Data)
0657678689 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0159998015 No Declaration Date XXX Effective Date XXX Clayton to order property inspection 10.28.20 - Property Inspection Report provided and no damage. 
0172474857 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0696046690 No Approved lender exception for first time homebuyer and allowing escrow waiver. Clayton Deems non-material based on compensating factor of borrower has been with employer for 20 years, 66.5% LTV is below  the guidelines of 80% & reserves of over 351k.  (No Data)
0696046690 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0091008709 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0955989134      
0848995684 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0509443395 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0269025572 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0572597962 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0572597962 No Approved Lender exception for lack of rental history on an escrow waiver for first time homebuyer.Clayton deems non-material based on compensating factors of DTI under guideline requirements, B1 has additional income (RSU/Bonus) not used, Residual income just under 10K per month, reserves of over 18 months PITIA.  (No Data)
0209961006      
0406175777 No Guidelines require that a satisfactory VVOE be performed within 10 business days prior to the note date.VVOE dated XXX indicates that borrower is no longer active as of XXX 9.24.20 - Client responded. Borrower LOX XXX, Commission Schedule, VOE XXX and Underwriting Notes attached to support employment and income used in decisioning. Borrower has been in this profession over 10 years and recently changed from XXX to advance in the same line of work. Income used in qualifying verified with reasonable expectation of continuance.
0326355267 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0326355267 No :  Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0326355267 No Loan safe report dated XXX reflects a property potentially owned by borrower located at XXXProvide satisfactory evidence that this is not the borrowers property.   9.30.20 - Client responded. Unable to obtain/locate satisfactory evidence to document borrower has no current ownership for property located at XXX No documentation in file associates borrower to this property including current credit report with address history.9.30.20 - Clayton has reviewed and although no other docs in file pointed to ownership of this property the Loan Safe report did and has to be validated as yes or no for ownership.10.2.20 - Client responded. County assessor's recorded DOT list attached does not show our borrower as a title holder to the property in question. 
0326355267 No File contains a Offer letter dated XXXClayton reviewer could not link company to employer listed on application, XXX, which qualifying income was based on.Guidelines for evaluating employment/income when closing prior to start date have specific requirements that must be meet - Underwriting Decision did not acknowledge upcoming employment change.       9.30.20 - Client responded. LOX dated XXX (attached) from borrower in regards to current employment status, no longer pursuing job with XXX(attached) documenting active employment status XXX.
0326355267 No 80% of sales price of $XXX. Loan amount per note is $XXX. Loan amount should have been rounded down to $XXX to be below 80%. 9.30.20 - Client responded. LTV calculates to 80.000017%. Origination system carries out three digits after decimal and therefore displays LTV as 80.000%.
0326355267 No Approved Lender exception for lack of 12 month housing history and less than 2 year RSU income history. Clayton deems non-material due to the following compensating factors: Very strong savings history, conservative credit use, other income not used in qualifying - stock options, over $18k in residual income.  (No Data)
0534859575      
0892350963 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0375940135      
0701821800 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0701821800 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0701821800 No Ten tolerance of $169.20 for increase in survey fees. Need evidence of change of circumstance letter or a copy of a refundable check for ten percent tolerance fees. 11.10.20 - Client responded. Agree - The Title Survey in the amount of $250.00 was added on CD #XXX without a valid reason. XXX calculated 10% OT refund of $171.40. Refund of $171.40 required to remedy. Remediation requested.11.13.20 - Client responded. Disagree - Post Consummation CD with corrected Fee Tolerance cure sent to borrowers on XXX.  See attached PC CD.
0616325002 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data)
0073034805      
0231334101 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0725630557 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0068430033 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0559278351 No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue (No Data)
0559278351 No Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits  10.6.20 - Client responded. Disagree - Title Commitment discloses 1st mortgage holder is XXX and was originated on XXX.  This mortgage was serviced by XXX but opened more than 24 months ago which is the CT Home Loan restriction.  2nd Mortgage was originated on XXX but owned by XXX.  This new loan consolidated those two mortgage loans.  See attached Title Commitment Schedule B page. Furthermore, the APR on this new loan is only 3.512%; therefore, it would not trigger the CT Home Loan test even if it was a loan refi with same lender within 24 months.
0559278351 No Need proof initial CD XXX was received by borrower 3 days before consummation date of XXX. 10.6.20 - Client responded. Disagree - Closing Disclosure #XXX was eDelivered on XXX. CD#XXX was opened and acknowledged by the borrowers on XXX considers this in hand delivery and meets timing for XXX closing date. Please see attached document tracking.
0831230243 No Ten percent tolerance fees increased on final CD dated XXX section B. Title exam-100, Title-Fax/copies/postage, Title-search.Corrected CD required with refund, proof of delivery within 60 days of consummation. 11.4.20 - Client responded. Disagree - The 10% fee tolerance is not based on individual fees but rather the total of all 10% fees.  The total of all 10% fees (Closing, CPL, Courier, Lenders Title, Mobile Notary and Recroding fee) disclosed on the LE was $3274.  The total of all 10% tolerance fees (Closing, CPL, Courier, Lenders Title, Recording Service, Title Exam, Title Search, Fax/Copies/Postage and Recording fee) disclosed on the CD was $3534.  The increase of $260 is less than the 10% allowance.  No refund required.
0596771914 No Approved Lender exception for unpaid charge off of $1711 from 2014. Clayton deems non-material due to the following compensating factors: Decreased housing, minimum credit users, established savings pattern with over 93 months reserves. (No Data)
0267811530 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0069119873      
0060601564      
0803735263 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0803735263 No Guidelines require that all components of properties owned be verified to include mortgage, insurance, taxes and HOA fees (if any). Missing verification of HOA for XXX (HOI indicates property is a condo), Missing verification of taxes and insurance for XXX Missing verification of taxes for XXX.Provide satisfactory verification for the above property information.   9.14.20 - 1- Verification of monthly HOA for XXX attached. HOA fee = $365 monthly. 2- Verification of taxes and insurance for XXX attached. Total policy premium $1,205.27 and total annual tax payment $5,975.90. 3- Verification of taxes for XXX attached. Total annual tax payment $2,000.70. 4- Verification of taxes for XXX attached. Total annual tax payment $41,271.44. ATR adequately supported.  Compensating factors  1- Low housing ratio  2- High level of residual income  3- History of satisfactorily maintaining similar level of housing expense and/or debt  4- Equity in other real estate owned  5- Documented savings pattern  6- Substantial down payment from borrowers' own funds  7- Excellent credit history  8- Long-term employment
0803735263 No Guidelines require verification of business existence within 10 days of note date. Missing verification of business for XXX.  9.14.20 - Client responded. Verification of business (active status) from XXX
0803735263 No Approved Lender exception for Multiple properties owned (total 9) and XXX aggregate financing greater than $3 million.Clayton deems non-material due to the following compensating factors: LTV/CLTV 60%, Occupant ratios 30.691%, Employment tenure, Equity in all property owned 75.396% ($5,519,432/$20,970,000), Monthly residual income over $88k.   (No Data)
0290935180 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0290935180 No FEMA disaster area declaration date XXX XXX, Clayton will order reinspection 11.6.20  Property Inspection Report received and no damage
0698008705 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0435933950      
0722444184 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0722444184 No Missing proof of borrowers receipt of the $235,000. Gift. Require copy of borrowers bank statement verifying funds have been deposited and cleared. 10.5.20 - Client responded. XXX 200k + 35k = $235k. $200k check from XXX and $35k receipt for deposit (cashier's check from XXX) from XXX attached to support borrowers receipt of gift funds. Deposit details reflects updated balance after $200k deposit 8/31/20 = $231,811.04.
0911493224 No Approved Lender exception for use of rental income to offset property expenses on 2 rental properties. Clayton deems non-material due to the following compensating factors: Net residual income of $12,674.22, LTV of 76.92% blow max of 80% and reduction of $422.15 in monthly housing expense.  (No Data)
0805203628 No FEMA Declaration date XXX and Effective date XXX. Clayton to order property inspection 11.6.20  Property Inspection Report received and no damage
0569117909 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0569117909 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0453397647 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0453397647 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0205726976 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0356104488      
0706815855      
0505002330      
0149368455 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0782961994 No 1. Missing proof HELOC with XXX has been closed to future draws. Payoff and close provided on page 3403 it not signed by the borrowers2. Missing signed pages of 2018, 2017, 2016, and 2015 1040s for B2 XXX as required per ATR/QM G/L 12.24.19 - Client responded. "1- Proof HELOC with XXX has been closed to future draws attached, to include Credit Report (see Trade 3, credit line no longer available-in repayment phase) and XXX letter reflecting this account has been frozen.  2- Per lender policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  
0782961994 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 12.27.19 - Client responded. Mortgage Schedule provided to reflect original lender as XXX
0782961994 No Lender approved exception for >4 financed properties (5) without 50% of loan amount PCL (grandfathered for old policy). Clayton considers non-material based on LTV of 61.92% VS 70% required, 41.16 months in reserves VS 36 months required, and B2 length XXX for 11 years (No Data)
0782961994 No  Missing signed pages of 2018, 2017, 2016, and 2015 1040s for B2 XXX as required per ATR/QM G/L 12.24.19 - Client responded. "Per lender policy, If 8879 form included indicating that e-signatures are filed, acceptable to consider in underwriting, or If tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.
0782961994 No Missing proof HELOC with XXX has been closed to future draws. Payoff and close provided on page 3403 it not signed by the borrowers 12.24.19 - Client responded. "Proof HELOC with XXX has been paid and closed to future draws attached, to include Closing Disclosure, Credit Report (see Trade 3, credit line no longer available-in repayment phase) and XXX letter reflecting this account has been frozen.
0892192051 No A Desk review was received with a reported value of $XXX which is a variance of -17.06% less than the original appraised value of $XXX. A field review has been ordered.  2.10.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 
0203802152      
0955156588 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0481098853 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0391328966 Yes A Desk review was received with a reported value of $XXX which is a variance of -17.24% less than the original appraised value of $XXX. A Field review has been ordered. XXX
0962810216 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0460511689      
0028477011 No Approved lender exception for 77.61% LTV which exceeds G/L requirement of 70% for C/O on a Coop-Combo Loan. Clayton considers non-material based on compensating factors of 45.35 months reserves VS 12 months required and DTI of 37.83% (No Data)
0594005576 No Lender approved exception for allowing monthly escrow waiver for first time homebuyer.  Clayton deems non-material due to compensating factors LTV is 75 vs 80% per G/L, DTI is 35.37%,  and reserves of 16.50 months vs 12 months required  (No Data)
0669124532 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0517855345 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0029264920      
0008280028 No 8.14.202ROR Disbursement date of: XXX CD disbursement date XXX.PCCD required with a disbursement date of XXX.  8.14.20 - Client responded. Agree - Actual closing date is XXX.  Disbursement date is XXX.  Loan was disbursed correctly on XXX.  An updated CD is required disclosing correct disbursement date of XXX.  Open of rescission not required.9.9.20 - Client responded. Post Consummation CD sent to borrowers on XXX with corrected Disbursement and Prepaid Interest dates.  See attached PC CD.
0008280028 No Approved Lender Exception for Minimum Credit Score not meeting guideline requirement of 680 with qualifying score of 644. Clayton deems as non-material based on Compensating factors of LTV 65.67% and guideline max is 80% and $28.5 K in residual income.  (No Data)
0939621352      
0650512691 No Missing Profit and loss and Balance sheet for Borrower 1 as he is XXX. Per underwriting notes B1 was working for an employer and had side business but have stopped working for employer and running their business full time. QM requires P&L and Balance sheet.  8.3.20 - Client responded. No P&L and Balance Sheet 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 used to qualify.8.3.20 - Clayton has reviewed and although borrower is a sole proprietor and doesn't require a balance sheet a P&L is still required per QM. 8.10.20 - Client responded. Re-status loan as Non-QM and re-grade accordingly
0650512691 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0650512691 No Per client re-status as Non-QM.  (No Data)
0008293269 No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 3.26.20 - Client responded. Disagree: XXX is secured party on UCC1 dated XXX and recorded XXX. H9 is correct model form. 
0008293269 No Approved lender exception for C/O on a R/T for a COOP Combo. Clayton deems exception non-material based on compensating factors of a 22.02% DTI vs 43%, 22.77 months PITI reserves vs 12 months required, and residual income of $42,239.96. (No Data)
0905610877 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0498048106 No Final CD dated XXX Estimated Taxes, Insurance & Assessments, $1,736.05 does not equal Loan Disclosures,  Estimated Costs Over Year 1,  $13,541.20.1,736.05x12=$20,832.60.Section: Projected Payments, Field: Estimated Taxes, Insurance & Assessments, Value: 1736.05CD: XXX [Last CD], Section: Loan Disclosures, Field: Estimated Costs Over Year 1, Value: 13541.20 7.31.20 - Client responded. Agree - Estimated Taxes Insurance Assessment monthly amount of $1,736.05 on page 1 of the CD does not calculate to page 4 No Escrow - Estimated Property Costs over Year 1. Annual Insurance $3,165.00; Annual Taxes $7,736.20; Total monthly: $10,901.20; HOA is $220/mo. per Appraisal Report; [((3165 + 7736.20)/12) + 220] x 12 = $13,541.20. Remediation requested.8.5.20 - Client responded. Post Consummation CD sent to the borrower disclosing Estimated Taxes Insurance & Assessments as $1,128.43 (including HOA) on page 1, which corresponds to the amount disclosed in the No Escrow - Estimated Property Costs over Year 1 on page 4.  See attached.
0311712614 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0297718166 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0399149633 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0399149633 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0596861615      
0505400757 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0227320863      
0237603193 No Provide the correct Note for the subject property XXX. Note in file is for XXX 10.2.20 - Client responded. See corrected Note attached
0078557540 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0595318540 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0710942108      
0590004680 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0799073100 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0826108892 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0319963789 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0319963789 No FEMA declared disaster date XXX, Clayton will order property inspection 11.4.20  Property Inspection report provided and no damage. 
0714739945      
0653687659 No Earliest expiration date per ROR is XXX and Disbursement date per Final CD XXX 7.24.20 - Client responded. "Agree - Per system of record funds disbursed correctly after rescission expiration on XXX. PC CD with corrected disbursement date and per diem date required to remedy. Re-opening rescission is not required. Email CDCR for corrected CD with XXX disbursement date.9.14.20 - Client responded. Disagree - Post Consummation CD with correct disbursement and prepaid interest dates was sent to the borrower on XXX.
0370111594 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0195700153 No Loan closed as a Second home. Homeowners insurance policy reflects property is being insured as XXX indicating commercial use.  9.22.20 - Client Occupancy status supported. Per 1040 tax returns and other file documentation, B2 is also using second home for his business address (XXX). Interior pic(s) from appraisal, reflects only a room used for an office. Appraiser makes note the highest and best use of the subject is clearly SFR home.
0195700153 No Approved Lender exception for ratio of 43.34%.Clayton deems non-material due to the following compensating factors: Borrowers have long term employment, potential for increased earnings, savings ability, residual income $9899.03, and low LTV at 54.50% (No Data)
0195700153 No Missing evidence of new mortgage refinance with XXX for property located at XXX, CA to support a monthly PITI payment of $3501.52. 9.22.20 - Client responded. Verification of PITI payment for non-subject property located at XXX, CA attached. 2693.93 + 595.72 + $150.10 = $3439.75 PITI payment 
0195700153 No Guidelines require that XXX VVOE be within 10 days of note. Both borrowers are XXX with verification of business last updated XXX. Provide updated verification of business within 10 days of note (XXX) for XXX 9.22.20 - Client responded. 1- Verification of business (active status) from CA Secretary of State for XXX attached. 2- Verification of business / XXX attached.
0195700153 No Approved Lender exception for ownership of more than 5 properties. Clayton deems non-material due to the following compensating factors: Borrowers have long term employment, potential for increased earnings, savings ability, residual income of $9899.03 and low ltv of 54.5%. (No Data)
0392919710      
0279010260 No ROR Rescission Date is XXX and CD Disbursement Date shows XXX. 7.10.20 - Client responded. Per system of record funds disbursed appropriately on XXX after rescission expiration. PC CD with corrected disbursement date and per diem date required to remedy. Open rescission is not required. Remediation requested.10.2.20 - Client responded. Post Consummation CD sent to the borrower(s) on XXX.  See attached PC CD
0692927227 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0455781406 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0227172047 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0227172047 No Approved Lender exception for invalid FICO score and Insufficient Credit. Clayton deems non-material due to compensating factors of Ratios 26/31%. Low LTV (56.82) and 111 months PCL. (No Data)
0323048408      
0535604744 No DTI 44.40% exceeds lender guidelines of 43%. Lender statused as Non-QM. (No Data)
0535604744 No Guidelines require documentation on new XXX mortgage payment for property located at XXX of PITI no more than $3761.45. Provide evidence of the new PITI payment for XXX 9.23.20 - Client responded. Verification of PITI payment for non-subject property located at XXX, CA attached. 2846.25 + 616.32 + $126.25 = $3588.82 PITI payment for XXX
0535604744 No Approved Lender exception for ownership of more than 5 properties. Clayton deems non-material due to the following compensating factors: Borrowers have long term employment, potential for increased earnings, residual income $12,734.84 and low housing ratio.     (No Data)
0849998169 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0849998169 No Lender approved exception for DTI over 43% at 48.81%.  Clayton deems no-material based on compensating factors of excellent, low, minimal revolving debt, 781 FICO. Good mortgage history 0x30x51.  High DTI due temporary until departure residence is sold.  (No Data)
0849998169 No Natural Disaster Area with declaration date of XXX effective date of XXX XXX and no subsequent inspection.  Clayton to order PDI. 11.17.20 - Property Inspection Report provided and no damage.
0062148837      
0433817330      
0838218787      
0388688654 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0334422712 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0070584510 No ROR Disbursement date of: XXX Final CD date: XXX. PCCD Required with a disbursement date XXX.  Or a LOX, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery. 8.14.20 - Client responded. "Disagree - Actual closing date is XXX. Disbursement date is XXX.  Consummation CD was incorrect; however, a Post Consummation CD was issued on XXX with the correct closing and disbursement dates.  See PC CD attached.  No corrective action required.
0901435205      
0722953477      
0914250216 No T.42 Title Endorsement is missing. (No Data)
0914250216 No T.42.1 Title Endorsement is missing. (No Data)
0781340231 No ROR disbursement date XXX, Final CD disbursement date XXX. PCCD required with a disbursement date of XXX. Within 60 days of discovery. 7.10.20 - Client responded. Per system of record funds disbursed appropriately on XXX after rescission expiration. PC CD with corrected disbursement date and per diem date required to remedy. Open rescission is not required. Remediation requested.9.9.20 - Client responded. Post Consummation CD sent to borrower on XXX with corrected Disbursement and Prepaid Interest dates.  See attached PC CD.
0548873977 No Disbursement date of XXX is the same day as the right to cancel expiration date of XXX. 7.15.20 - Client responded. "Agree: Per system of record funds disbursed appropriately on XXX after rescission expiration. PC CD with corrected disbursement date and per diem date required to remedy. Open rescission is not required. Emailed CDCR for corrected CD with XXX disbursement date.10.20.20 - Client responded. Post Consummation CD with corrected Disbursement and Prepaid Interest dates sent to borrower(s) on XXX.  See attached PC CD.
0789937139      
0141674452 No ROR Expiration date is XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period  7.28.20 - Client responded. "Agree - While the ROR expiration date (XXX) is correct and the funds were disbursed correctly on XXX, the Closing Disclosure is incorrect.  The consummation CD discloses a closing date of XXX with a disbursement of XXX.  Actual closing took place on XXX, with a disbursement of XXX.  CDCR request was made to update the closing date, disbursement date and prepaid interest date on the Closing Disclosure.8.31.20 - Client responded. Post Consummation CD with correct closing date of XXX and disbursement and prepaid interest dates of XXX was sent to borrower on XXX.  See attached PC CD. 
0708733554      
0478749220 No Final CD shows a Closing date of XXX and Disbursement Date of XX. Notary Date and Final Docs Signed XXX which makes Disbursement Date XXX for full Rescission period. 8.11.20 - Client responded. "Agree - Per system of record funds disbursed on XXX.  PC CD with corrected disbursement date and per diem date required to remedy.  Open rescission is not required. Remediation CD requested10.2.20 - Client responded. Post Consummation CD sent to borrower(s) on XXX with the corrected Disbursement Date.  See attached PC CD.
0327241907      
0264928705 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0423819313 No Title reflects lien for $XXX in 3rd position. XXX 1st and 2nd were paid and closed with subject transaction. Provide proof this lien has been satisfied/ paid in full. 7.31.20 - Client responded. See Underwriting Notes attached. $XXX lien in 3rd position has been paid in full/satisfied and will be removed from Final Title Policy. Final Title Policy has not been received yet.7.31.20 - Clayton has reviewed and although UW notes reflect paid off we still need a copy of the final title reflecting that. 10.21.20 - Client responded. See attached Title Policy
0947043588      
0921327304 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0921327304 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0047160022      
0578003446 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0334333278      
0479955912 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0059353931      
0297939688      
0010826823      
0224364000      
0374926914 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0166671017      
0331703728 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data)
0500160486 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0087401493      
0934604695 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0123683594 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0171698680 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0777507334      
0224787836      
0087079366 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0087079366 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0411115272 No A Desk review was received with a reported value of $XXX which is a variance of -20.04% less than the original appraised value of $XXX A Field review has been ordered. 9.14.20- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 
0552582570      
0831923509 No FEMA Declaration date XXX and Effective date XXX. Clayton to order  11.4.20  Property Inspection report provided and no damage. 
0566235119 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0258571462      
0674517418 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0598747092 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0308346631 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0198209562      
0852578705      
0181469741 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0181469741 No FEMA declared disaster date XXX, XXX, Clayton will order PDI.  11.10.20  Property Inspection Report provided and no damage.
0172973631 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data)
0195260056 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0195260056 No Declaration Date XXX Effective Date XXX (No Data)
0979354282 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0979354282 No Require acceptable documentation from Employer verifying borrower receives commission income averaging $10,300.66 month. Income documentation indicated borrower received Bonus income only. 11.5.20 - Client responded. See Underwriting Notes (attached) for income analysis. 11.5.20 - Clayton has reviewed and calculations support. 
0902479734 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0902479734 No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data)
0902479734 No Approved Lender exception for use of retirement funds to meet 100% of reserve requirement.Clayton deems non-material due to the following compensating factors: Low DTI, Credit score of 747 and additional bonus income not used to qualify.  (No Data)
0902479734 No Loan Safe report dated XXX indicates the borrower is the owner of property located at XXXProvide evidence borrower no longer has ownership to XXX 11.5.20 - Client responded. " Unable to provide satisfactory evidence borrower no longer has ownership to XXX However, the credit report (trade 1) reflects the mortgage tied to this property was paid and closed XXX; prior address per 1003. It appears this property was transferred to XXX (see attached), his current address.11.5.20 - Clayton has reviewed and credit report reflects paid off and document provided no longer in borrower name. 
0902479734 No No inspection since the XXX declaration date, XXX effective date, FEMA disaster XXX Declaration #XXX.  (No Data)
0448449905 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0448449905 No Declaration Date XXX Effective Date XXX 11.23.20 - Property Inspection Report provided and no damage.
0318929563 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data)
0318929563 No Declaration Date XXX Effective Date  XXX Clayton to order property inspection 11.6.20  Property Inspection Report received and no damage
0419254311 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0083431261 No Declaration Date XXX Effective Date XXX Clayton to order property inspection 11.4.20  Property Inspection report provided and no damage. 
0176464215      
0643755415      
0391030430 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0596751492 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0133806802 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0133806802 No Declaration date XXX, note date XXX, Clayton to order property inspection. 11.23.20 - Property Inspection Report provided and no damage.
0810627045 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0627907732 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. (No Data)
0627907732 No Missing property inspection for FEMA declared disaster dated XXX effective XXX, Clayton will order 11.6.20  Property Inspection Report received and no damage
0432132209 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0432132209 No Natural Disaster Area with declaration date of XXX effective date of XXX for XXX and no subsequent inspection.  Clayton to order 11.10.20  Property Inspection Report provided and no damage.
0314944184 No Notary fee in the amount of $200 was added on final CD dated XXX in section B.  Letter of explanation, or corrected Closing Disclosure is required. , a refund of $200.00, proof of delivery within 60 days of consummation. 10.23.20 - Client responded. "Disagree - Ten percent aggregate baseline includes Title Services and Recording Fees per fee placement on the consummation CD (Section B 10% fees). Aggregate 10% fees on the initial LE were disclosed in the amount of $2,228. Aggregate 10% fees on the consummation CD were charged in the amount of $2,110. It appears investor did not include Title Services in the 10% tolerance calculation. This resulted in a decrease of $118.00 in the Aggregate 10% tolerance threshold; therefore, no refund would be due. This is not a defect so no corrective action is required.
0841719747 No FEMA declared disaster effective XXX XXX, clayton will order PDI.  11.11.20  Property Inspection Report provided and no damage. 
0323637836 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0323637836 No Fema disaster declared date XXX XXX. Clayton will order 11.6.20  Property Inspection Report received and no damage
0253839394 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0165073789 No 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)
0210642526 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0672271657 No Missing subsequent property inspection completed after FEMA disaster effective XXX, Public Declaration #XXX, XXX. Clayton to order property inspection. 10.21.20  Property Inspection report provided and no damage.
0902640178 No No inspection since the XXX declaration date, XXX effective date, FEMA disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.6.20  Property Inspection Report received and no damage
0892324179 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0892324179 No FEMA declared disaster XXX Clayton will obtain inspection 11.5.20  Property Inspection Report received and no damage. 
0778038727 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0778038727 No Guidelines require a VVOE within 10 business days of note date. VVOE for borrower 2 is dates XXX which would be 11 business days old at note date. Provide satisfactory updated VVOE for Borrower 2 from XXX.  (No Data)
0928569869 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0871667533 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0702702409 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0217297674 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0217297674 No 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. 
0846348091 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0846348091 No Declaration Date XXX  Effective Date XXX Clayton to order  10.19.20  Property Inspection Report provided and no damage. 
0371702040 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0371702040 No Approved Lender exception for FICO score. Minimum of 680 is required. Borrower FICO 677.Compensating factors of: Very low utilization of credit and 6 years of paid as agreed XXX mortgage history (mortgage paid off); 2 Free and Clear owned properties with unused rental income. (No Data)
0016883835 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied (No Data)
0016883835 No No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.9.20 - Property Inspection Report provided and no damage. 
0835308027 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0951877372 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0136671540 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data)
0698674168      
0727541843 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0225220355 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0225220355 No Declaration Date XXX Effective Date XXX Clayton to order PDI 10.19.20  Property Inspection Report provided and no damage. 
0047162086 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0486972146 No Need evidence that borrower receive 3 days prior to consummation. 10.20.20 - Client responded. Disagree - CD#XXX. CD#XXX was opened and acknowledged by borrowers on XXX. XXX considers this the same as in hand delivery and meets timing for closing date of XXX. Please see attached doc tracking.
0732354163 No Approved Lender exception for use of business funds for down payment, closing cost or reserves.Clayton deems non-material due to the following compensating factors: Low revolving debt usage <8%, residual income $23k and 80 plus months reserves with 30 required.  (No Data)
0732354163 No No inspection since the XXX declaration date, XXX effective date, FEMA Disaster XXX Declaration #XXX. Clayton will order Property Inspection report.  11.6.20  Property Inspection Report received and no damage
0828386484 No Declaration date XXX; Effective date XXX.  Clayton to order property inspection. 11.4.20  Property Inspection report provided and no damage. 
0647644232 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0038224148 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0907456397 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0214086633 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0112876272 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0112876272 No FEMA disaster effective date XXX; Appraisal date XXX; Clayton will order. 11.10.20  Property Inspection Report provided and no damage.
0482713964 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0421931063 No Numeric Non-Material Error: Final CD XXX The value $XXX for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value $XXX disclosed on the last LE XXX.  Requires LOX and PCCD correcting Calculating Cash to Close table. (No Data)
0713178371 No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXXCD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 7878.96 (No Data)
0257860964      
0938822959 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0616406934      
0757775016 No The property securing this loan is in the 3rd Circuit.  In 1992 the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind.  This decision has not been overturned.  1.13.20 - Client responded. 12/20/2019: Disagree. Loan is Refinance with original creditor but no new money advanced. Original Mortgage/Loan amount of $XXX. New Mortgage/Loan amount of $XXX. Cash from Borrower at close of $13,682.28. No mortgage increase and no cash advance to borrower. Use of Model Form H-8 acceptable for this transaction. See attached CD from prior loan on XXX.
0214703126      
0827711180 No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. (No Data)
0826698707      

 

Alt loan Number Conclusion Comments TRID Error Type Cure Method Compensating Factors
0891830542 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5/15/17 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5/15/17 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5/15/17 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5.25.17 Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5.15.17 Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5.26.17 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 5.3.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0891830542 6.1.17 Exception Satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.34% Max 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 71.54% Max 80%
0358266475 05.11.17 Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 800; minimum required credit score per guidelines is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 70.77%; max allowed LTV per guidelines is 80%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  The Borrower(s) have a 0x30; 44 month mortgage history.
0445009472 6.19.17 Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 20 years in her profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472 5.28.17 After review per guideline requirements Borrower may not own any other second homes or investment properties in the same geographic market as the subject property. Exception remains. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 20 years in her profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472 5.28.17 After further review 18 months piti reserves required. Reserves requirements meet. Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 20 years in her profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472 5.24.17 Exception remains. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 20 years in her profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0445009472 5/10/2017 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 20 years in her profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  724 exceeded the guideline requirement of 680 by 44 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0565792248 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248 5.25.17 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248 5.28.17 Per guidelines trust agreement is required. Exception remains (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0565792248 5.24.17 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 11 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan closed with an LTV of 58.88% and the max LTV was 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 749 exceeds guidelines requirements of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have over 53 months of mortgage credit history with no lates.
0989559892       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 787 & 788 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 14 years.
0172102535       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.79%, Max 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  70 months PITI reserves documented, 12 months required.
0234789318       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.78%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qualifying score. Min required per guidelines is 680
0167511513       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.19%, Max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  84 months reserves verified, 12 months required.
0188994424 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage history of 61 months with XXX with no late payments.
0188994424 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage history of 61 months with XXX with no late payments.
0188994424 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have an excellent mortgage history of 61 months with XXX with no late payments.
0278458811 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $45,810.36. Verified $149,154.46

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 56.09%
0276605721       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score is 718 which exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.31% dti is below max guideline of 43%.
0979650819       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,218,133.81.  Reserves required $8,520.51 x 12 = $102,246.12

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 8.48 years.
0805840121       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 811  is 131 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 44.68% is 35.32 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.59% is 16.41 points below the maximum allowable DTI of 43%.
0894886858 7.21.20 - Exception satisfied.  Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 779 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
0762387763 8.10.20 - Exception remains. 9.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  79 months PITI reserves verified, 12 months required.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been working for the same employer for 10 years.
0688514980       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $574,691.34. Reserves required $5,010.08 x 12 = $60,120.96 + additional reserves required: $3,062.92x 12 = $36,755.04, Total Reserves Required: $96,876.00.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history 71 months 0x30, guideline requirement 12 months 0x30.
0742242406 8.25.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 787 is 107 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.68% is 10.32 points below the maximum allowable DTI of 43%.
0742242406 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 787 is 107 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.68% is 10.32 points below the maximum allowable DTI of 43%.
0404547058       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 19.90 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at present residence for 6.39 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  58 month mortgage history with no late pays.l

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $195,410.34 in total assets documented.  Effective amount is $195,401.34, with liquid assets of $195,410.34  Post close reserves are $190,811.70.  Reserves required $5,178.13x 12 = $62,137.56.
0638297842 (No Data) (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 of 32.65% is 10.35 points below the maximum allowable DTI of 43%.
0638297842 10.26.20 - Exception satisfied.  (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 of 32.65% is 10.35 points below the maximum allowable DTI of 43%.
0746298925       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 8 years and 6 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 4 years and 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 22 years.
0863486295 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $2,463.468.86 in total assets documented.  Effective amount is $2,463,468.86 with liquid assets of $2,353,043.84  Post close reserves are $1,997,920.30.  Reserves required $9,393.11*18 = $169,075.98

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 exceeds the required score of 740, 57 points.
0340006234 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0340006234 7.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0404943214 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.65%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $63,732.48. Verified $123,821.85
0930158501       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with their present employer for greater than 4 years.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrowers have had no reported late payments in the most recent 24 months.
0707375415 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.54%, max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  114 months PITI reserves verified, 12 months required.
0388007370 3.8.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 803 is 123  points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.05% is 14.95 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70.75% is 9.25 below the maximum of 80%.
0475617019 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 810 & 812 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 8.1 years.
0475617019 9.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 810 & 812 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 8.1 years.
0688663791 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 26 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $139,826.94; required reserves $5888.49 x 12 = $70,661.88.
0902260454 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $128,907.84. Verified $454,369.46
0617386511 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 10 years.
0617386511 (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 10 years.
0267572469       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 770 & 778 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 10 years.
0290791026 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $125,741.52. Verified $184,140.43

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 758
0290791026 10.26.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $125,741.52. Verified $184,140.43

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 758
0164543000 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 is employed for 10 years with same company

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $88,096.50. Verified $638,916.53
0202441613 8.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  158 months reserves verified, 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.61%, Max 45%
0289292446 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 787 and minimum required is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.70% and maximum allowed is 43%.
0365530848 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 12 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Documented XXX income is greater than the amount used to qualify.
0617986787 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 27.35%, guideline max allowed is 43%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with same employer for over 8 years.
0496740217 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.59% is 4.41 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 is 121 points above the minimum required score of 680.
0917131732 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  106 months PITI reserves verified, 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 803, min 720.
0926035927 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 19 years for the borrower.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 5 years and 1 month.
0603795050       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 28.51% is below QM max of 43%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income from 1120S that is not being considered for qualifying.
0032308265 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 680.
0526040098 (No Data) (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.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.92% is 5.08 points below the maximum allowable DTI of 43%.
0448045178 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 801 & 796 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 11.765% with a max DTI of 43%.
0417818039 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.22%; max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  805 qualifying score. Min required per guidelines is 680.
0237859061 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has significant time in profession of 15 years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Report, Borrower does not have any major mortgage related occurrences during the past two years.
0237859061 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has significant time in profession of 15 years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Report, Borrower does not have any major mortgage related occurrences during the past two years.
0744499361 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 5 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.08 5 DTI below guideline max of 43%
0175902539 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $415,424.68 in total assets documented.  Effective amount is $408,206.45, with liquid assets of $391,363.91.  Post close reserves are $165,928.35.  Reserves required $5,348.78 X 12 = $64,185.36

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.881% is 13.118% below maximum DTI of 43%.
0087867838 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 810.
0087867838 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 810.
0970818417       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower have post closing reserves of $455,774.49 which exceed required guidelines of $96,875.64

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower have 10 years as a professional XXX.
0132083552       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $58,630.08. Verified $200,859.09

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.80%
0864403324 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $65,925.85- Documented reserves in the amount of $332,824.59

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 796
0305255025 7.17.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.96%, max per guidelines is 43%
0305255025 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.96%, max per guidelines is 43%
0305255025 7.17.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been XXX for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.96%, max per guidelines is 43%
0357907958 (No Data) (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 22.42% is 20.58 points below the maximum allowable DTI of 43%.
0357907958 (No Data) Numeric 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 22.42% is 20.58 points below the maximum allowable DTI of 43%.
0882156006 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 56.19% below guideline requirement of 80%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 14 years .
0389550109 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned their present residence for 25.74 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,4776.937.62 in total assets documented.  Effective amount is $1697,514.93, with liquid assets of $1,696,514.93.  Post close reserves are $1m355m429,51.  Reserves required $6,107.83 x 12 = $73,293.96
0950955298 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 31 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.46% is below maximum DTI of 43% required for QM products.
0950955298 11.3.20 - Exception remains. 1.11.21 - Exception satisfied.  Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 31 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.46% is below maximum DTI of 43% required for QM products.
0617718950 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has spent 17 years on the job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 28 years in profession.
0817980164 (No Data) (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 30.79% is 12.21 points below the maximum allowable DTI of 43%.
0341455011 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower having over 13 years employment with same employer

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is $74,833.32, Borrower cash reserves are $697,965.98 which exceeds the guideline requirement
0334588786 7.21.20 - Exception remains. 7.22.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0334588786 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0334588786 (No Data) Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0334588786 7.21.20 - Exception remains.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680 based on fixed rate purchase.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $426,505.57 in total assets documented. Effective amount is $392669.68, with liquid assets of $341,915.85. Post close reserves are $131,355.10. Reserves required $5700.41 x 12 = $68,404.92.     Excess post-closing reserves of $62,950.18.
0146430692 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.3%, max 45%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 18 years.
0016426301 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of  three years and 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 7 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job of 4 years.
0502063980 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 13 years.  Co-borrower has been in same profession for 14 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned their present residence for 9.33 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $557,108.76 in total assets documented.  Effective amount is $449,826.25, with liquid assets of $199,501.06.  Post close reserves are $308,524.12.  Reserves required $3,939.96 X 12 = $47,279.52.
0047501038 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.35%, max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  102 months PITI reserves verified, 12 months required.
0063703620       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $593,531.00 in total assets documented. Effective amount is $593,531.00, with liquid assets of $593,531.00.  Post close reserves are $486,278.82.  Reserves required $4,085.19 x 12 = $49,022.28

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualify FICO 788 exceeds guideline minimum requirement of 720.
0205194025 10.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0205194025 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0205194025 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0205194025 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 765 is 85 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.14% is 3.86 points below the maximum allowable DTI of 43%.
0215441392 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 12.2 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in significant time in Profession with 21 years.
0629151148 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 812 is 132  points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.73% is 26.27 points below the maximum allowable DTI of 43%.
0133938555 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 806 & 770 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 XXX years.
0133938555 7.30.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 806 & 770 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 XXX years.
0598841281 8.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 15 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  47 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $301,148.44 in total assets documented.  Effective amount is $301,148.44, with liquid assets of $301,148.44.  Post close reserves are $301,148.44.  Reserves required $7,521.96 x 12 = $90,263.52.
0568261939 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 14 years in profession as a XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 34.80% below the guideline max allowed of 43%
0763457022 (No Data) (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 (No Data) 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.
0928929046 8.19.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 35 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 812 and minimum required is 680.
0928929046 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 35 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 812 and minimum required is 680.
0197658429 (No Data) (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, borrowers have had no mortgage related occurrences in the most recent 2 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the WVOE, B2 has been with their present employer for 12 years.
0821567263 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $69,860.40- Verified $147,002.70

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession for 10 years
0692343551       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 736 is 56 points above the minimum required score of  680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.25% is 10.75 points below the maximum allowable DTI of 43%.
0358557373       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 820 and minimum required is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 18 years.
0001442055 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.07 % DTI below guideline max of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years
0001442055 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.07 % DTI below guideline max of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years
0646168920 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.32% is 15.68 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.
0646168920 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.32% is 15.68 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 111 points above the minimum required score of 680.
0656643622 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.76% DTI below guideline max of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  57 months of verified cash reserves exceeds guidelines
0656643622 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.76% DTI below guideline max of 45%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  57 months of verified cash reserves exceeds guidelines
0909799015 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 27.43% which is below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  x
0909799015 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI of 27.43% which is below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  x
0435065781 (No Data) (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 32.47% is 10.53 points below the maximum allowable DTI of 43%.
0435065781 9.22.20 - Exception satisfied.  (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 32.47% is 10.53 points below the maximum allowable DTI of 43%.
0435065781 9.23.20 - Exception satisfied. 9.24.20: exception still active, all docs in file including HUD, wire, transfer agreement, wiring instructions, purchase agreement; this last remaining pending doc is now considered non material due to all other supporting docs in file (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 32.47% is 10.53 points below the maximum allowable DTI of 43%.
0304112440 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $45,045.12- Verified $225,456.84

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 is in the same profession as an XXX for 10 years
0892599109 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.30% DTI below guideline max of 45%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 credit score exceeds guideline requirements
0598221185 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI calculated at 30.98% which is below the maximum required of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has stable employment in  the industry for the past 8 years.
0155313978 8.19.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrower and B2 have been employed in their respective industries for the past 19 + years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.25 which is below the maximum requirement of 43%
0435667839 (No Data) (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, borrower has multiple mortgages and has not had any mortgage related occurences in the most recent 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrower has no late payments reported.
0316303659       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 814 is 134 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 39.59% is 3.41 points below the maximum allowable DTI of 43%.
0467567734 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in the same industry for the past 21 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.82% which is below maximum requirement of 43%
0235567649 (No Data) (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 33.07% is 9.93 points below the maximum allowable DTI of 43%.
0934501608 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.93 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $311,369.80 in total assets documented.  Effective amount is $311,369.80, with liquid assets of $311,369.80.  Post close reserves are $111,076.12.  Reserves required $5,788.28 X 12 = $69,459.36.
0568327749 5.6.21 - Exception satisfied.  (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  26 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $727,655.43 in total assets documented.  Effective amount is $669,183.57, with liquid assets of $532.749.24.  Post close reserves are $669,183.57.  Reserves required $6,871.12 X 12 = $82,453.44.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned present residence for 16.58 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 16 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 9.57 years.
0636990742 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 780 and required minimum is 680.
0987410312       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 27 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  46 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $433,600.73 in total assets documented.  Effective amount is $433,600.73, with liquid assets of $433,600.73.  Post close reserves are $159,483.94.  Reserves required $7,206.25 X 12 = $86,475.
0356225648 8.26.20 - Exception remains. 8.27.20 - Exception satisfied.  (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 38.71% is 4.29 points below the maximum allowable DTI of 43%.
0356225648 (No Data) (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 38.71% is 4.29 points below the maximum allowable DTI of 43%.
0356225648 (No Data) Not Applicable 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 38.71% is 4.29 points below the maximum allowable DTI of 43%.
0929898885 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed with same company for 22 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $65,211.96. Verified reserves in the amount of $357,679.16
0331302840       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 19 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  173 months PITI reserves verified, 12 months required.
0567431813 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 33.78% below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has spent 9 years at current job
0772792638 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 808 and minimum required is 680.
0611439570 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $65,565.16- Verified $238,525.45

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.03%
0880615284 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO 807

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $47,118.96- Verified $341,644.99
0286395358 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 11 years.

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.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of four years and 7 months.
0727102781 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.96% < guideline max of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as an XXX for the past 18.70 + years.
0091999898 (No Data) (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 35.72% is 7.28 points below the maximum allowable DTI of 43%.
0084932463 (No Data) (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 59.70% is 20.3 below the maximum of 80%.
0498176253 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 816 is 136 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.80% is 16.2 points below the maximum allowable DTI of 43%.
0498176253 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 816 is 136 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.80% is 16.2 points below the maximum allowable DTI of 43%.
0868414709 (No Data) (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.
0398810574       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 10.66%, max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  45 months reserves verified, 12 months required.
0492401808 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.20 % DTI below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 15 years
0855405900 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 12.31 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.
0221165349 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.66% is 6.34 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 is 113 points above the minimum required score of 680.
0229239392 (No Data) (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 809 and minimum required is 809.
0229239392 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 809 and minimum required is 809.
0465953484       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 820 with a minimum credit score of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 15 years.
0088333501       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.52% is 17.48 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of  814 is 134 points above the minimum required score of 680.
0210509784 (No Data) (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.
0043528627 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  85 months PITI reserves verified, 12 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 791, min 720.
0714439402 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $121,664.16. Verified $172,373.88

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.45%
0714439402 9.17.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $121,664.16. Verified $172,373.88

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.45%
0256793336 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per the VOE, borrower has been with present employer for greater than 9 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VOE, Co-borrower has been with present employer for greater than 9 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Program max LTV is 80%; transaction LTV is 51.52%.
0172307711 10.19.20  Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 804

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $134,915.58. Verified $244,939.07
0320395059       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 801. Min 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  74 months PITI reserves verified, 12 months required.
0423170417 8.17.20 - Exception remains. 9.30.20 - Exception satisfied.  Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Per borrower 1 and 2 paystubs, borrower 1 has RSU income and Borrower 2 has bonus income that is not considered for qualifying.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, although borrowers credit utilization is low, credit appears to be positive and in good standing. No delinquencies reported.
0387718274 (No Data) (No Data) Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower is XXX and has potential for increased earnings

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 11.75
0170383070 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.07 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  45 month verified cash reserves exceeds guidelines of 18 months
0170383070 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.07 % DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  45 month verified cash reserves exceeds guidelines of 18 months
0925636422 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.00% DTI below guideline max of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 5 plus years
0319401242 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL required $93,726.18; cash reserves after closing $692,982.80 which exceeds the guideline requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 34.87%, guideline max allowed is 43%
0923847944 (No Data) (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per the credit report, borrower has not had any mortgage related occurrences in the most recent 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrower has not had any late payments reported in the most recent 24 months.
0686019166 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  22 months of verified cash reserves exceed guidelines

CFCFS1750: High potential for increased earnings
- Clayton Comments:  residual income of $12,960.06/ mo,
0686019166 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  22 months of verified cash reserves exceed guidelines

CFCFS1750: High potential for increased earnings
- Clayton Comments:  residual income of $12,960.06/ mo,
0935256896       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 805

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $83,258.82. Verified $240,251.43

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 10 years
0316110307 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.24%, max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  20 months PITI reserves verified, 12 months required.
0316110307 8.11.20 - Exception satisfied.  Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.24%, max 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  20 months PITI reserves verified, 12 months required.
0734205882       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's Credit Score 806; guidelines allow a minimum Credit Score 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV 69.01%; guidelines allow a maximum LTV 80.00%.
0700365699 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 27.11 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $404,324.74 in total assets documented.  Effective amount is $494m324,74, with liquid assets of $404,324.74.  Post close reserves are $201,651.41.  Reserves required $3,587.48 X 12 = $43,049.76.
0235654953       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 787

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.96%
0314535807 (No Data) (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 39.75% is 3.25 points below the maximum allowable DTI of 43%.
0314535807 (No Data) (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 39.75% is 3.25 points below the maximum allowable DTI of 43%.
0657678689 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 18.6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 14.37% with the max DTI of 43%.
0159998015 10.28.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 791

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in the same profession
0172474857 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 13 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on job for 8.88 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  31 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $828,594.02 in total assets documented.  Effective amount is $828,594.02, with liquid assets of $828,594.02.  Post close reserves are $391,719.99.  Reserves required $5,900.20 x 12 = $70,802.40.
0696046690 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current employer for 19.95 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.05 LTV below the guideline requirement
0696046690 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current employer for 19.95 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.05 LTV below the guideline requirement
0091008709 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 54.45%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.42%
0955989134       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.38%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTv 68%
0848995684 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $388,867.62.  Reserves required $8,616.98 x 18 = $155,105.64

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.79%, Max DTI 43%.
0509443395 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both Borrowers have been in their respective industries for a significant time.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 41.4% is below the maximum requirement of 43%
0269025572 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Excellent fico scores 801 and 817

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.15%
0572597962 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 is 122 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.44% is 4.56 points below the maximum allowable DTI of 43%.
0572597962 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 is 122 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.44% is 4.56 points below the maximum allowable DTI of 43%.
0209961006       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 814 is 134 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.10% is 5.9 points below the maximum allowable DTI of 43%.
0406175777 9.24.20 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 is 66 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.24% is 19.76 points below the maximum allowable DTI of 43%.
0326355267 (No Data) (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.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 129 points above the minimum required score of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267 9.30.20 - Exception remains. 10.2.20 - Exception satisfied.  (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.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267 9.30.20 - Exception satisfied.  (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.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267 9.30.20 - Exception satisfied.  (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.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0326355267 (No Data) (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.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for almost 4 years with increasing income each year.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$741,079.30 in total assets documented. Effective amount is $687,173.86, with liquid assets of $606,315.70. Post close reserves are $277,700.33. Reserves required $12,221.30 x 18 = $219,983.40. Excess post-closing reserves $57,716.93.
0534859575       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 of 29.61% is 13.39 points below the maximum allowable DTI of 43%.
0892350963 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 26 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x18.
0375940135       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have 15 years in the same profession as a XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $456,601.81 exceed the required reserves of $143,762.58
0701821800 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 33 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $299,355.26.  Reserves required $5,756.68 x 18 = $103,620.24
0701821800 (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 33 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $299,355.26.  Reserves required $5,756.68 x 18 = $103,620.24
0701821800 11.10.20 - Exception remains. 11.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 33 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $299,355.26.  Reserves required $5,756.68 x 18 = $103,620.24
0616325002 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $320.401.72.  Reserves required $4,007.62 X 12 = $48,091.44

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at present residence for 15.02 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 15.11 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 13 years.
0073034805       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 787 is 107 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.21% is 11.79 points below the maximum allowable DTI of 43%.
0231334101 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 98 months verified cash reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have a verified DTI of 28.65%.
0725630557 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 is 91 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 70.46% is 9.54 below the maximum of 80%.
0068430033 (No Data) (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 27.71% is 15.29 points below the maximum allowable DTI of 43%.
0559278351 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 27.13% which is below the guideline max allowed of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same company for over 8 Years
0559278351 10.6.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 27.13% which is below the guideline max allowed of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same company for over 8 Years
0559278351 10.6.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 27.13% which is below the guideline max allowed of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same company for over 8 Years
0831230243 11.4.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 18 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x59
0596771914 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 766 is 86 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$759,252.73 in total assets documented. Effective amount is $601,883.52, with liquid assets of $365,826.69. Cash required to close $102,713.01. Post close reserves are $401,883.52. Reserves required on subject property: $4211.66 x 30 = $126,349.80.Excess Post-closing reserves of $275,533.72.
0267811530 (No Data) (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.10% is 12.9 below the maximum of 80%.
0069119873       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 803

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $173,137.44. Verified $633,016.85
0060601564       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,097,426.12 or 280.93 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 15.78% below guideline requirement of 43% by 27.22%
0803735263 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0803735263 9.14.20 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0803735263 9.14.20 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0803735263 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 799 is 79 points above the minimum required score of 720 (aggregate liens $3-$4 million).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.14% is 9.86 points below the maximum allowable DTI of 43%.
0290935180 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.23%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 794
0290935180 11.6.20  Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.23%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 794
0698008705 (No Data) (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.
0435933950       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's verified cash reserves of $453,272.94 exceed the required 18 months PITI reserves of $107,401.50

CFCFS2854: Significant time in profession
- Clayton Comments:  Both B1 and B2 have 16 years in same profession of XXX
0722444184 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 775

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.19%
0722444184 10.5.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 775

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.19%
0911493224 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 is 98 points above the minimum required score of 680.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Rate term refinance with housing reduction of $422.15 per month.
0805203628 11.6.20  Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 28 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $541,285.97 or 143.08 months PITI
0569117909 (No Data) (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 of 37.45% is 5.5 points below the maximum allowable DTI of 43%.
0569117909 (No Data) Numeric 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 of 37.45% is 5.5 points below the maximum allowable DTI of 43%.
0453397647 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.98%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810
0453397647 (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.98%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 810
0205726976 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 726 is 46 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.19% is 11.81 points below the maximum allowable DTI of 43%.
0356104488       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 20 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x43.
0706815855       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 15 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $964,986.40 or 171.18 months PITIA
0505002330       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers median credit score is 697; guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.98; guideline max is 43.00%.
0149368455 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit scores exceed guidelines at 766 & 783 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 33.062% with a max DTI of 43%.
0782961994 12.24.19 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,362.07.  Reserves required on a 3-4 Unit $6186.54 x 36 = $222,715.44

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

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

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

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 61.92%, max allowed on a 3-8 Unit R/T on a primary is 70%
0892192051 2.10.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $1,170,668.41.  Reserves required:  Second home  $186,263.76 (24 xx $7760.99 x 24).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.82%.  Maximum DTI per guidelines is 43%.
0203802152       CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrowers have $1,417,414.58 liquid assests and $867K in retirement savings.

CFCFS2860: Good credit history
- Clayton Comments:  Excellent repayment history
0955156588 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job or 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 787 and minimum required is 680.
0481098853 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.68%, max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $266,196.84 or 35.25 months, guidelines require 18 months or $141,439.32
0391328966 8.4.20  Exception remains. 8.10.20 - Exception remains. 8.13.20 - Exception remains. 8.18.20 - Exception remains. 8.27.20 - Exception remains. 12.3.20 - Exception remains. 12.22.20 - Exception remains.  Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 43.10%, maximum allowed LTV 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 32.17% below maximum allowed of 43%.
0962810216 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $134,088.77 exceeds guideline requirements of $47,974.56

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.21% below guideline max
0460511689       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 739; guidelines allow a minimum Credit Score 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 39.43%; guidelines allow a maximum DTI 43.00%.
0028477011 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 780  exceeds guidelines 720 by 60pts

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 15yrs
0594005576 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 788 and required minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.37% and maximum allowed is 43%.
0669124532 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at present residence for 13.54 years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $733,294.59 in total assets documented.  Effective amount is $717,146.56 with liquid assets of $532,483.61.  Post close reserves are $509,346.06.  Reserves required $4,263.86*18 = $76,749.48
0517855345 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Scores exceed guidelines at 796 & 811 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline at 28.71% with a max DTI of 43%.
0029264920       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $685,791.12  Reserves required $7,088.11 x 12 = $85,057.32.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Verified mortgage payment history: 25 months, 0x30, guideline requirement: 12 months, 0x30.
0008280028 8.14.20 - Exception remains. 9.9.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.59% DTI below guideline requirement

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  65.66% LTV below guideline max of 80%
0008280028 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  33.59% DTI below guideline requirement

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  65.66% LTV below guideline max of 80%
0939621352       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having over 8 years in profession

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower having no lates, no foreclosures, short sales ever on credit report.  Has a strong residual income and low balances on the credit cards he uses.
0650512691 8.3.20 - Exception remains. 8.10.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $47,221.44- Verified $73,230.44

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 10 years
0650512691 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $47,221.44- Verified $73,230.44

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 10 years
0650512691 (No Data) Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $47,221.44- Verified $73,230.44

CFCFS2854: Significant time in profession
- Clayton Comments:  B2 is in the same profession for 10 years
0008293269 3.26.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 22 years experience in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.02%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves are $165,451.50. Reserves required $7,264.72 * 12 = $84,884.64

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 749 is 69 points above the minimum required score of 680.
0008293269 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 22 years experience in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.02%, max allowed per G/L is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves are $165,451.50. Reserves required $7,264.72 * 12 = $84,884.64

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 749 is 69 points above the minimum required score of 680.
0905610877 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 32 years.
0498048106 7.31.20 - Exception remains. 8.5.20 - Exception satisfied.  Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 30.8 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 24.2 years.
0311712614 (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned present residence for 10.28 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer 11.16 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 12.23 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 84 months mortgage history with no late pays.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $889,096.68 in total assets documented.  Effective amount is $889,096.68, with liquid assets of $889,096.68.  Post close reserves are $378,146.82.  Reserves required $11,576.31 X 12 = $138,915.72.
0297718166 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 35 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $662,535.87 in total assets documented.  Effective amount is $540,010.92, with liquid assets of $254,119.38.  Post close reserves are $342,672.51.  Reserves required $3,568.92 X 12 = $42,827.04.
0399149633 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 with same employer for 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $49,497.72. Verified $158,237.25
0399149633 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 with same employer for 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $49,497.72. Verified $158,237.25
0596861615       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.96% DTI below guideline max of 45%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on the job 14 years
0505400757 (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been at same job for 8 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.27%; guidelines allow 43%.
0227320863       CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional documented income not used in qualifying

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

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0237603193 10.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Excellent repayment history

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage obligations paid as agreed
0078557540 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 773 and minimum required is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-closing reserves is $193,906.11; required reserves $5494.14 x 12 = $65,929.68.
0595318540 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 790 and minimum required is 680.
0710942108       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 41.3% which is below the required maximum of 43%

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history
0590004680 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 807

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 58.63%
0799073100 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti of 27.28 is under max per guideline of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has cash reserves of $153,542.86
0826108892 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in same profession for 15 years.   Co-borrower has been in same profession for 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $533,746.35 in total assets documented.  Effective amount is $516,066.77, with liquid assets of $474,814.41.  Post close reserves are $174,767.81.  Reserves required $7,674.74 X 12 = $92,096.88.
0319963789 (No Data) (No Data) Not Applicable (No Data)
0319963789 11.4.20  Exception satisfied.  (No Data) Not Applicable (No Data)
0714739945       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 767 with the minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 36.43% with the max DTI of 43%.
0653687659 7.24.20 - Exception remains. 9.14.20 - Exception satisfied.  (No Data) Not Applicable (No Data)
0370111594 (No Data) (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.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$994,360.21 in total assets documented. Effective amount is $881,079.70, with liquid assets of $616,758.52. Post close reserves are $576,154.19. Reserves required $7180.81 x 18 = $129,254.58. Excess reserves of $446,899.61.
0195700153 9.22.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153 9.22.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153 9.22.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0195700153 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 is 76 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$264,194.78 in total assets documented. Effective amount is $264,194.78, with liquid assets of $264,194.78. Post close reserves are $264,194.78. Reserves required $3225.57 x 18 (previous guidelines) = $58,060.26.
0392919710       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 7 years and 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 16 yrs.
0279010260 7.10.20 - Exception remains. 10.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.95 % LTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26% DTI below guideline requirements of 43%
0692927227 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score 803; guidelines allow a minimum Credit Score 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 30.08%; guidelines allow a maximum DTI 43.00%.
0455781406 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.76 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with same employer for 6.99 years.
0227172047 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 56.82%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.41
0227172047 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 56.82%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.41
0323048408       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO 719

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $45,282.24. Verified reserves in the amount of $213.438.16
0535604744 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 740 is 60 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 41.43% is 38.57 below the maximum of 80%.
0535604744 9.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 740 is 60 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 41.43% is 38.57 below the maximum of 80%.
0535604744 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 740 is 60 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 41.43% is 38.57 below the maximum of 80%.
0849998169 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been o the same job for 10 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x51.
0849998169 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been o the same job for 10 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x51.
0849998169 11.17.20 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been o the same job for 10 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x51.
0062148837       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $80,344.20. Verified $211,731.00

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 802
0433817330       CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 4 years.

CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower Net Worth of $6,996,261.65 liquid assets.
0838218787       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 32.28% guideline max allowed 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  No PCL required borrower having $252,915.92 in cash reserves.
0388688654 (No Data) (No Data) Not Applicable (No Data)
0334422712 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.48 which is below the required maximum of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has 19 years at current job well in excess of requirements
0070584510 8.14.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  18.36 %DTI is below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.22 % LTV below guideline requirements of 80%
0901435205       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.19 % . Below guideline requirements of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines . Credit score is 797.
0722953477       CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.65 /50.92% LTV & CLTV below guideline max of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.35 % DTI below guideline max of 43%
0914250216 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 35 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,542,141.05 in total assets documented.  Effective amount is $1,212,054.62, with liquid assets of $441,852.94.  Post close reserves are $1,212,054.62  Reserves required $5,347.79 X 12 = $64,173.48; Reserves required for departing residence $1,981.81 X 6 = $11,890.86.
0914250216 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 35 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,542,141.05 in total assets documented.  Effective amount is $1,212,054.62, with liquid assets of $441,852.94.  Post close reserves are $1,212,054.62  Reserves required $5,347.79 X 12 = $64,173.48; Reserves required for departing residence $1,981.81 X 6 = $11,890.86.
0781340231 7.10.20 - Exception remains. 9.9.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.06 % DTI below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 5 years
0548873977 7.15.20 - Exception remains. 10.20.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 15.2 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 800 with a minimum credit score of 720.
0789937139       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 of 39.31% is 3.69 points below the maximum allowable DTI of 43%.
0141674452 7.28.20 - Exception remains. 8.31.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per The Work Number VOE, borrower has been with their present employer for greater than 17 years.

CFCFS2860: Good credit history
- Clayton Comments:  Per the credit report, borrower has had no derogatory credit reported.
0708733554       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.85%, max 45%.
0478749220 8.11.20 - Exception remains. 10.2.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 29.4%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score 774 exceeds guidelines.
0327241907       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 12 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been in current job for 16 years.
0264928705 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 24.78% well below the guideline max allowed of 43%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows a positive mortgage payment history for over 24 months.
0423819313 7.31.20 - Exception remains. 10.21.20 - Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 19 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 3 years
0947043588       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.26 % DTI below guideline max of 43 %

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  44.71% LTV below guideline max of 80%
0921327304 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed with same company for 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $88,702.80. Verified $537,230.26
0921327304 (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is employed with same company for 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $88,702.80. Verified $537,230.26
0047160022       CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bwr #2 has additional documented income (OT/Bonus/RSUs) that is not being used to qualify the borrowers.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Midpoint credit score of the primary wage earner of 798 exceed guidelines minimum of 720.
0578003446 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.08 % DTI below guideline max of 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been an XXX for 20 years
0334333278       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.19% < guideline requirement max 43%

CFCFS2854: Significant time in profession
- Clayton Comments:  Primary wage earner has been employed in his industry for the past 30+ years.
0479955912 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 15 years for Borrower 1.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 4 years and 8 months.
0059353931       CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower is 0x30 on all mortgage history.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a verified DTI of 21.62%.
0297939688       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL requirement is 12 months or $55,483.44, borrowers cash reserves are $266,833.31

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Per credit report borrower has had no lates, no foreclosures and no short sales. Mortgage history is over 24 months and no issues.
0010826823       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.27% < guideline requirement of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 75.18% < guideline max 80%
0224364000       CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $340,726.34. Reserves required $7,636.38 x 12 = $91,636.56 + Additional required reserves: $2,640.28 x 12 = $31,683.36, Total Reserves Required: $123,319.92

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 20 years (XXX).

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Verified mortgage payment history: 84 months 0x30.
0374926914 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI 18.63% which is well below the guideline max allowed of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves are $349,496.52 with PCL requirement of $71,119.56. Borrowers cash reserves exceed the guidelines.
0166671017       CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 10 years and one month.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $397,936.33, exceed guideline requirement of $100,537.08
0331703728 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.49% DTI below guideline max of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 fico score exceeds guidelines score of 740
0500160486 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 797 and minimum required is 680.
0087401493       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 22.14% is 20.86 points below the maximum allowable DTI of 43%.
0934604695 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  777 credit score.  Minimum required is 720.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 84mos; maximum required 12mos

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  41 months subject PITI reserves
0123683594 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a 780 credit score.
0171698680 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 70% and maximum allowed is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 786 and minimum required is 680.
0777507334       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.69 % DTI below guideline requirement of 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 plus years
0224787836       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.10% DTI below guideline max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  33.27 % LTV below guideline max of 75%
0087079366 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%, max per guidelines is 43%
0087079366 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 qualifying score. Min required per guidelines is 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.71%, max per guidelines is 43%
0411115272 9.14.20 - Exception satisfied. Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI at 20.86% which is well below the guideline max allowed of 43%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower having been with same employer for over 14 years.
0552582570       CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been on the same job for 10 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history is 0x30x56
0831923509 11.4.20  Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.66% below guideline requirement 43% by 24.34%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has Significant time in profession of 30 years
0566235119 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $172,649.70. Verified $515,842.61

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is XXX for 12 years
0258571462       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $67,598.88. Verified $677,174.84
0674517418 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.72% is below maximum DTI of 43% required for QM products.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for over 8 years.
0598747092 (No Data) (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 37.60% is 5.4 points below the maximum allowable DTI of 43%.
0308346631 (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 66.67%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession as an XXX for 14 years
0198209562       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on same job for 9 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x84.
0852578705       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 of 22.39% is 20.61 points below the maximum allowable DTI of 43%.
0181469741 (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 42%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 799
0181469741 11.10.20  Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 42%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Fico 799
0172973631 (No Data) (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 31.53% is 11.47 points below the maximum allowable DTI of 43%.
0195260056 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 793

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $77,238.24. Verified $133,615.52
0195260056 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 793

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $77,238.24. Verified $133,615.52
0979354282 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 788

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $135,460.44. Verified $174,784.17
0979354282 11.5.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 788

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $135,460.44. Verified $174,784.17
0902479734 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734 (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734 11.5.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0902479734 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 is 67 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.41% is 14.59 points below the maximum allowable DTI of 43%.
0448449905 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $130,284.90. Verified $2,014,290.08
0448449905 11.23.20 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $130,284.90. Verified $2,014,290.08
0318929563 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.77%
0318929563 11.6.20  Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 801

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 18.77%
0419254311 (No Data) (No Data) Not Applicable (No Data)
0083431261 11.4.20  Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 793

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $159,450.60. Verified $275,050.00
0176464215       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $168,006.60. Verified $480,200.74
0643755415       CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802 and minimum required is 680.
0391030430 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 13.18%; guidelines allow 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current primary residence for 13 years.
0596751492 (No Data) (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0133806802 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.15% is below maximum DTI 43% required for QM products.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.40% is below maximum LTV of 80% per guideline.
0133806802 11.23.20 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.15% is below maximum DTI 43% required for QM products.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 69.40% is below maximum LTV of 80% per guideline.
0810627045 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $52,188.30. Verified $74,105.52

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.44%
0627907732 (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 WVOE not used to qualify, $7030.42 monthly

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.95%
0627907732 11.6.20  Exception satisfied.  (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 WVOE not used to qualify, $7030.42 monthly

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 16.95%
0432132209 (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x84.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 24 years.
0432132209 11.10.20  Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is 0x30x84.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 24 years.
0314944184 10.23.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV 57.24%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 817
0841719747 11.11.20  Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 23.44%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797
0323637836 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.19%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower fico 806, median for co-borrower 750
0323637836 11.6.20  Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.19%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower fico 806, median for co-borrower 750
0253839394 (No Data) (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.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$687,933.75 in total assets documented. Effective amount is $490,173.86, with liquid assets of $193,534.03. Cash required to close $153,751.67 (includes EMD not cleared). Post close reserves are $336,422.19. Reserves required on subject property: $3690.65 x 24 (additional 6 months due to keeping departure home) = $88,575.60.Excess Post-closing reserves of $247,846.59.
0165073789 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $651,783.99; 166 months PITI

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower have 6 years with current employer.
0210642526 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $295,691.19 exceed required reserves of 18 months.

CFCFS2860: Good credit history
- Clayton Comments:  Credit report reflect overall credit is good and borrowers demonstrate the ability to manage finances; no derogatory credit reflected.
0672271657 10.21.20  Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in current profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 802 and minimum required is 680.
0902640178 11.6.20  Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 759 is 79 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60.31% is 19.69 below the maximum of 80%.
0892324179 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.18%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B has stable employment as a XXX
0892324179 11.5.20  Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.18%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B has stable employment as a XXX
0778038727 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 759 is 79 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$1,485,328.43 in total assets documented. Effective amount is $1,094,652.34, with liquid assets of $1,052,044.34. Cash required to close $372,104.77. Post close reserves are $722,547.57. Reserves required on subject property: $8824.28 x 18 = $158,837.04.Excess Post-closing reserves of $563,710.53.
0778038727 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 759 is 79 points above the minimum required score of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$1,485,328.43 in total assets documented. Effective amount is $1,094,652.34, with liquid assets of $1,052,044.34. Cash required to close $372,104.77. Post close reserves are $722,547.57. Reserves required on subject property: $8824.28 x 18 = $158,837.04.Excess Post-closing reserves of $563,710.53.
0928569869 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.82%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $149,264.46. Verified $357,465.67
0871667533 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 17 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.68% below guideline requirement of 43% by 25.32%
0702702409 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 786

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in the same profession
0217297674 (No Data) (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.84% is 8.16 below the maximum of 80%.
0217297674 11.4.20  Exception satisfied.  (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.84% is 8.16 below the maximum of 80%.
0846348091 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797
0846348091 10.19.20  Exception satisfied.  (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 797
0371702040 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $75,540.96. Verified $115,424.08

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 16 years
0371702040 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $75,540.96. Verified $115,424.08

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in the same profession for 16 years
0016883835 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 130 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75.62% is 4.38 below the maximum of 80%.
0016883835 11.9.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 810 is 130 points above the minimum required score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75.62% is 4.38 below the maximum of 80%.
0835308027 (No Data) (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 23.16% is 19.84 points below the maximum allowable DTI of 43%.
0951877372 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower having cash reserves of $204,070.31 which exceeds the PCL requirement of $136,549.26

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower having prior/existing mortgages for over 3 years with zero lates and no foreclosures.
0136671540 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in the same profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post reserves are $786,403.07 or 148.95 months PITI. Guidelines require 18 months $5,279.50 x 18 = $95,031.00.
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%.
0727541843 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower is in the same profession as a XXX for 18 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $121,174.56. Verified $547,031.66
0225220355 (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 799

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $148,516.50. Verified $756,172.00
0225220355 10.19.20  Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 799

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $148,516.50. Verified $756,172.00
0047162086 (No Data) (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.31% is 11.69 below the maximum of 80%.
0486972146 10.20.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Require $132,143.40. Verified $323,127.86

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 794
0732354163 (No Data) (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0732354163 11.6.20  Exception satisfied.  (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.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is 5 below the maximum of 80%.
0828386484 11.4.20  Exception satisfied.  (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower FICO is 817 with no derogatory trads reporting; no public records, and 0x30 previous mortgage history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 15 years in same profession as a XXX.
0647644232 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has significant time at current job of 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $165,486.39 or 34.28 months PITI
0038224148 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 105 months verified cash reserves.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers are 0x30 on most recent mortgage history.
0907456397 (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on the same job for 8 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,041,468.10 Total assets documented,  Effective amount is $812,690.25, with Liquid Assets of $469,523.47.  Post reserves are $419,375.99 or 39.16 months PITI.   Guidelines require 30 moths PITI $10,708.74x30= $321,262.20
0214086633 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower cash reserves of $3,950,835.89 exceed required reserves of $85,971.96

CFCFS2860: Good credit history
- Clayton Comments:  Borrower's credit history reflect no adverse credit history; FICO 729, and rental history reflecting 0x30 past 2.9 years.
0112876272 (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.67% is below maximum allowed DTI of 43% for QM products.

CFCFS2860: Good credit history
- Clayton Comments:  Credit history from 2009, all debts paid as agreed.
0112876272 11.10.20  Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.67% is below maximum allowed DTI of 43% for QM products.

CFCFS2860: Good credit history
- Clayton Comments:  Credit history from 2009, all debts paid as agreed.
0482713964 (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  PCL required is $125,874.00;  borrowers cash reserves are $212,254.28 which exceed the guideline requirement

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 6 years 5 month
0421931063 (No Data) Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 811; required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $191,659.01  or 46.15 months, guidelines require 12 months PITIA.
0713178371 (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing Reserves $153,790.61.  Reserves required $34,532.76 (12 x $2877.73 ).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.59%.  Maximum DTI per guidelines is 43%.
0257860964       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 15.89%, max allowed per G/L is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 804, minimum required G/L is 700
0938822959 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 16yrs

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 792  exceeds guidelines 740 by 52pts
0616406934       CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at the same job for 13 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at the same job for over 7 years
0757775016 1.13.20 - Exception satisfied.  (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $213,595.18.  Reserves required $9306.55 x 12 = $111,714.60

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.56%, max allowed per G/L is 43%
0214703126       CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35.9%  below guideline requirement 43% by 8pts
0827711180 (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: 20YRS

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.69% below guidelines requirement of 43% by 14pts
0826698707       CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.16% below guideline requirement of 43% by 16.84%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $326,492.22 or 86.58 months PITI

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2021-RR1
Start - End Dates: 4.2017 TO 4.2021
Deal Loan Count: 329
         
Conditions Report 2.0
         
Loans in Report: 329
Loans with Conditions: 250

 

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
0891830542 Yes XXXXXX XXXXXX D B D A C
0358266475 Yes XXXXXX XXXXXX B B B B A
0445009472 Yes XXXXXX XXXXXX D B B B A
0565792248 Yes XXXXXX XXXXXX D B D B A
0989559892 Yes XXXXXX XXXXXX A A A A A
0172102535 Yes XXXXXX XXXXXX A A A A A
0234789318 Yes XXXXXX XXXXXX A A A A A
0167511513 Yes XXXXXX XXXXXX A A A A A
0188994424 Yes XXXXXX XXXXXX B B B B A
0278458811 Yes XXXXXX XXXXXX A A A A A
0276605721 Yes XXXXXX XXXXXX A A A A A
0979650819 Yes XXXXXX XXXXXX A A A A A
0805840121 Yes XXXXXX XXXXXX A A A A A
0894886858 Yes XXXXXX XXXXXX D A A A A
0762387763 Yes XXXXXX XXXXXX C B A A A
0688514980 Yes XXXXXX XXXXXX A A A A A
0742242406 Yes XXXXXX XXXXXX D A A A A
0404547058 Yes XXXXXX XXXXXX A A A A A
0638297842 Yes XXXXXX XXXXXX C A A A C
0746298925 Yes XXXXXX XXXXXX A A A A A
0863486295 Yes XXXXXX XXXXXX A A A A A
0340006234 Yes XXXXXX XXXXXX C A A A A
0404943214 Yes XXXXXX XXXXXX A A A A A
0930158501 Yes XXXXXX XXXXXX A A A A A
0707375415 Yes XXXXXX XXXXXX A A A A A
0388007370 Yes XXXXXX XXXXXX D A D A A
0475617019 Yes XXXXXX XXXXXX C B A A A
0688663791 Yes XXXXXX XXXXXX A A A A A
0902260454 Yes XXXXXX XXXXXX A A A A A
0617386511 Yes XXXXXX XXXXXX A A A A A
0267572469 Yes XXXXXX XXXXXX A A A A A
0290791026 Yes XXXXXX XXXXXX C A A A C
0164543000 Yes XXXXXX XXXXXX A A A A A
0202441613 Yes XXXXXX XXXXXX C A A A A
0289292446 Yes XXXXXX XXXXXX A A A A A
0365530848 Yes XXXXXX XXXXXX A A A A A
0617986787 Yes XXXXXX XXXXXX A A A A A
0496740217 Yes XXXXXX XXXXXX A A A A A
0917131732 Yes XXXXXX XXXXXX A A A A A
0926035927 Yes XXXXXX XXXXXX A A A A A
0603795050 Yes XXXXXX XXXXXX A A A A A
0032308265 Yes XXXXXX XXXXXX A A A A A
0526040098 Yes XXXXXX XXXXXX A A A A A
0448045178 Yes XXXXXX XXXXXX A A A A A
0417818039 Yes XXXXXX XXXXXX A A A A A
0237859061 Yes XXXXXX XXXXXX A A A A A
0744499361 Yes XXXXXX XXXXXX A A A A A
0175902539 Yes XXXXXX XXXXXX A A A A A
0087867838 Yes XXXXXX XXXXXX A A A A A
0970818417 Yes XXXXXX XXXXXX A A A A A
0132083552 Yes XXXXXX XXXXXX A A A A A
0864403324 Yes XXXXXX XXXXXX A A A A A
0305255025 Yes XXXXXX XXXXXX D A D A A
0357907958 Yes XXXXXX XXXXXX A A A A A
0882156006 Yes XXXXXX XXXXXX A A A A A
0389550109 Yes XXXXXX XXXXXX A A A A A
0950955298 Yes XXXXXX XXXXXX C B A A A
0617718950 Yes XXXXXX XXXXXX A A A A A
0817980164 Yes XXXXXX XXXXXX A A A A A
0341455011 Yes XXXXXX XXXXXX A A A A A
0334588786 Yes XXXXXX XXXXXX D B B B A
0146430692 Yes XXXXXX XXXXXX A A A A A
0016426301 Yes XXXXXX XXXXXX A A A A A
0502063980 Yes XXXXXX XXXXXX A A A A A
0047501038 Yes XXXXXX XXXXXX A A A A A
0063703620 Yes XXXXXX XXXXXX A A A A A
0205194025 Yes XXXXXX XXXXXX D B B B A
0215441392 Yes XXXXXX XXXXXX A A A A A
0629151148 Yes XXXXXX XXXXXX A A A A A
0133938555 Yes XXXXXX XXXXXX D A D A A
0598841281 Yes XXXXXX XXXXXX C B A A A
0568261939 Yes XXXXXX XXXXXX A A A A A
0763457022 Yes XXXXXX XXXXXX A A A A A
0928929046 Yes XXXXXX XXXXXX D A A A A
0197658429 Yes XXXXXX XXXXXX A A A A A
0821567263 Yes XXXXXX XXXXXX A A A A A
0692343551 Yes XXXXXX XXXXXX A A A A A
0358557373 Yes XXXXXX XXXXXX A A A A A
0001442055 Yes XXXXXX XXXXXX A A A A A
0646168920 Yes XXXXXX XXXXXX A A A A A
0656643622 Yes XXXXXX XXXXXX B B B B A
0909799015 Yes XXXXXX XXXXXX B B B B A
0435065781 Yes XXXXXX XXXXXX D B D B A
0304112440 Yes XXXXXX XXXXXX A A A A A
0892599109 Yes XXXXXX XXXXXX A A A A A
0598221185 Yes XXXXXX XXXXXX A A A A A
0155313978 Yes XXXXXX XXXXXX C B A A A
0435667839 Yes XXXXXX XXXXXX A A A A A
0316303659 Yes XXXXXX XXXXXX A A A A A
0467567734 Yes XXXXXX XXXXXX A A A A A
0235567649 Yes XXXXXX XXXXXX A A A A A
0934501608 Yes XXXXXX XXXXXX A A A A A
0568327749 Yes XXXXXX XXXXXX C A C A A
0636990742 Yes XXXXXX XXXXXX A A A A A
0987410312 Yes XXXXXX XXXXXX A A A A A
0356225648 Yes XXXXXX XXXXXX D B B B A
0929898885 Yes XXXXXX XXXXXX A A A A A
0331302840 Yes XXXXXX XXXXXX A A A A A
0567431813 Yes XXXXXX XXXXXX A A A A A
0772792638 Yes XXXXXX XXXXXX A A A A A
0611439570 Yes XXXXXX XXXXXX A A A A A
0880615284 Yes XXXXXX XXXXXX A A A A A
0286395358 Yes XXXXXX XXXXXX A A A A A
0727102781 Yes XXXXXX XXXXXX A A A A A
0091999898 Yes XXXXXX XXXXXX A A A A A
0084932463 Yes XXXXXX XXXXXX A A A A A
0498176253 Yes XXXXXX XXXXXX B B B B A
0868414709 Yes XXXXXX XXXXXX A A A A A
0398810574 Yes XXXXXX XXXXXX A A A A A
0492401808 Yes XXXXXX XXXXXX A A A A A
0855405900 Yes XXXXXX XXXXXX A A A A A
0221165349 Yes XXXXXX XXXXXX A A A A A
0229239392 Yes XXXXXX XXXXXX A A A A A
0465953484 Yes XXXXXX XXXXXX A A A A A
0088333501 Yes XXXXXX XXXXXX A A A A A
0210509784 Yes XXXXXX XXXXXX A A A A A
0043528627 Yes XXXXXX XXXXXX A A A A A
0714439402 Yes XXXXXX XXXXXX C A A A A
0256793336 Yes XXXXXX XXXXXX A A A A A
0172307711 Yes XXXXXX XXXXXX C A A A C
0320395059 Yes XXXXXX XXXXXX A A A A A
0423170417 Yes XXXXXX XXXXXX C B A A A
0387718274 Yes XXXXXX XXXXXX A A A A A
0170383070 Yes XXXXXX XXXXXX A A A A A
0925636422 Yes XXXXXX XXXXXX A A A A A
0319401242 Yes XXXXXX XXXXXX A A A A A
0923847944 Yes XXXXXX XXXXXX A A A A A
0686019166 Yes XXXXXX XXXXXX B B B B A
0935256896 Yes XXXXXX XXXXXX A A A A A
0316110307 Yes XXXXXX XXXXXX C A A A A
0734205882 Yes XXXXXX XXXXXX A A A A A
0700365699 Yes XXXXXX XXXXXX A A A A A
0235654953 Yes XXXXXX XXXXXX A A A A A
0314535807 Yes XXXXXX XXXXXX B B B B A
0657678689 Yes XXXXXX XXXXXX A A A A A
0159998015 Yes XXXXXX XXXXXX C A A A C
0172474857 Yes XXXXXX XXXXXX A A A A A
0696046690 Yes XXXXXX XXXXXX B B A A A
0091008709 Yes XXXXXX XXXXXX A A A A A
0955989134 Yes XXXXXX XXXXXX A A A A A
0848995684 Yes XXXXXX XXXXXX A A A A A
0509443395 Yes XXXXXX XXXXXX A A A A A
0269025572 Yes XXXXXX XXXXXX A A A A A
0572597962 Yes XXXXXX XXXXXX B B B B A
0209961006 Yes XXXXXX XXXXXX A A A A A
0406175777 Yes XXXXXX XXXXXX B A B A A
0326355267 Yes XXXXXX XXXXXX C B C B A
0534859575 Yes XXXXXX XXXXXX A A A A A
0892350963 Yes XXXXXX XXXXXX A A A A A
0375940135 Yes XXXXXX XXXXXX A A A A A
0701821800 Yes XXXXXX XXXXXX C B A A A
0616325002 Yes XXXXXX XXXXXX A A A A A
0073034805 Yes XXXXXX XXXXXX A A A A A
0231334101 Yes XXXXXX XXXXXX A A A A A
0725630557 Yes XXXXXX XXXXXX A A A A A
0068430033 Yes XXXXXX XXXXXX A A A A A
0559278351 Yes XXXXXX XXXXXX D B A A A
0831230243 Yes XXXXXX XXXXXX C A A A A
0596771914 Yes XXXXXX XXXXXX B B B B A
0267811530 Yes XXXXXX XXXXXX A A A A A
0069119873 Yes XXXXXX XXXXXX A A A A A
0060601564 Yes XXXXXX XXXXXX A A A A A
0803735263 Yes XXXXXX XXXXXX D B D B A
0290935180 Yes XXXXXX XXXXXX C A A A C
0698008705 Yes XXXXXX XXXXXX A A A A A
0435933950 Yes XXXXXX XXXXXX A A A A A
0722444184 Yes XXXXXX XXXXXX D A D A A
0911493224 Yes XXXXXX XXXXXX B B B B A
0805203628 Yes XXXXXX XXXXXX C A A A C
0569117909 Yes XXXXXX XXXXXX A A A A A
0453397647 Yes XXXXXX XXXXXX A A A A A
0205726976 Yes XXXXXX XXXXXX A A A A A
0356104488 Yes XXXXXX XXXXXX A A A A A
0706815855 Yes XXXXXX XXXXXX A A A A A
0505002330 Yes XXXXXX XXXXXX A A A A A
0149368455 Yes XXXXXX XXXXXX A A A A A
0782961994 Yes XXXXXX XXXXXX D B D B A
0892192051 Yes XXXXXX XXXXXX C A A A C
0203802152 Yes XXXXXX XXXXXX A A A A A
0955156588 Yes XXXXXX XXXXXX A A A A A
0481098853 Yes XXXXXX XXXXXX A A A A A
0391328966 Yes XXXXXX XXXXXX C C A A C
0962810216 Yes XXXXXX XXXXXX A A A A A
0460511689 Yes XXXXXX XXXXXX A A A A A
0028477011 Yes XXXXXX XXXXXX B B B B A
0594005576 Yes XXXXXX XXXXXX B B B B A
0669124532 Yes XXXXXX XXXXXX A A A A A
0517855345 Yes XXXXXX XXXXXX A A A A A
0029264920 Yes XXXXXX XXXXXX A A A A A
0008280028 Yes XXXXXX XXXXXX C B B B A
0939621352 Yes XXXXXX XXXXXX A A A A A
0650512691 Yes XXXXXX XXXXXX D B B B A
0008293269 Yes XXXXXX XXXXXX C B B B A
0905610877 Yes XXXXXX XXXXXX A A A A A
0498048106 Yes XXXXXX XXXXXX C B A A A
0311712614 Yes XXXXXX XXXXXX A A A A A
0297718166 Yes XXXXXX XXXXXX A A A A A
0399149633 Yes XXXXXX XXXXXX A A A A A
0596861615 Yes XXXXXX XXXXXX A A A A A
0505400757 Yes XXXXXX XXXXXX A A A A A
0227320863 Yes XXXXXX XXXXXX A A A A A
0237603193 Yes XXXXXX XXXXXX D A D A A
0078557540 Yes XXXXXX XXXXXX A A A A A
0595318540 Yes XXXXXX XXXXXX A A A A A
0710942108 Yes XXXXXX XXXXXX A A A A A
0590004680 Yes XXXXXX XXXXXX A A A A A
0799073100 Yes XXXXXX XXXXXX A A A A A
0826108892 Yes XXXXXX XXXXXX A A A A A
0319963789 Yes XXXXXX XXXXXX C A A A C
0714739945 Yes XXXXXX XXXXXX A A A A A
0653687659 Yes XXXXXX XXXXXX C B A A A
0370111594 Yes XXXXXX XXXXXX A A A A A
0195700153 Yes XXXXXX XXXXXX D B D B A
0392919710 Yes XXXXXX XXXXXX A A A A A
0279010260 Yes XXXXXX XXXXXX C B A A A
0692927227 Yes XXXXXX XXXXXX A A A A A
0455781406 Yes XXXXXX XXXXXX A A A A A
0227172047 Yes XXXXXX XXXXXX B B B B A
0323048408 Yes XXXXXX XXXXXX A A A A A
0535604744 Yes XXXXXX XXXXXX D B D B A
0849998169 Yes XXXXXX XXXXXX C B B B C
0062148837 Yes XXXXXX XXXXXX A A A A A
0433817330 Yes XXXXXX XXXXXX A A A A A
0838218787 Yes XXXXXX XXXXXX A A A A A
0388688654 Yes XXXXXX XXXXXX A A A A A
0334422712 Yes XXXXXX XXXXXX A A A A A
0070584510 Yes XXXXXX XXXXXX C B A A A
0901435205 Yes XXXXXX XXXXXX A A A A A
0722953477 Yes XXXXXX XXXXXX A A A A A
0914250216 Yes XXXXXX XXXXXX B B A A A
0781340231 Yes XXXXXX XXXXXX C B A A A
0548873977 Yes XXXXXX XXXXXX C B A A A
0789937139 Yes XXXXXX XXXXXX A A A A A
0141674452 Yes XXXXXX XXXXXX C B A A A
0708733554 Yes XXXXXX XXXXXX A A A A A
0478749220 Yes XXXXXX XXXXXX C B A A A
0327241907 Yes XXXXXX XXXXXX A A A A A
0264928705 Yes XXXXXX XXXXXX A A A A A
0423819313 Yes XXXXXX XXXXXX C A C A A
0947043588 Yes XXXXXX XXXXXX A A A A A
0921327304 Yes XXXXXX XXXXXX A A A A A
0047160022 Yes XXXXXX XXXXXX A A A A A
0578003446 Yes XXXXXX XXXXXX A A A A A
0334333278 Yes XXXXXX XXXXXX A A A A A
0479955912 Yes XXXXXX XXXXXX A A A A A
0059353931 Yes XXXXXX XXXXXX A A A A A
0297939688 Yes XXXXXX XXXXXX A A A A A
0010826823 Yes XXXXXX XXXXXX A A A A A
0224364000 Yes XXXXXX XXXXXX A A A A A
0374926914 Yes XXXXXX XXXXXX A A A A A
0166671017 Yes XXXXXX XXXXXX A A A A A
0331703728 Yes XXXXXX XXXXXX A A A A A
0500160486 Yes XXXXXX XXXXXX A A A A A
0087401493 Yes XXXXXX XXXXXX A A A A A
0934604695 Yes XXXXXX XXXXXX A A A A A
0123683594 Yes XXXXXX XXXXXX A A A A A
0171698680 Yes XXXXXX XXXXXX A A A A A
0777507334 Yes XXXXXX XXXXXX A A A A A
0224787836 Yes XXXXXX XXXXXX A A A A A
0087079366 Yes XXXXXX XXXXXX A A A A A
0411115272 Yes XXXXXX XXXXXX C A A A C
0552582570 Yes XXXXXX XXXXXX A A A A A
0831923509 Yes XXXXXX XXXXXX C A A A C
0566235119 Yes XXXXXX XXXXXX A A A A A
0258571462 Yes XXXXXX XXXXXX A A A A A
0674517418 Yes XXXXXX XXXXXX A A A A A
0598747092 Yes XXXXXX XXXXXX A A A A A
0308346631 Yes XXXXXX XXXXXX A A A A A
0198209562 Yes XXXXXX XXXXXX A A A A A
0852578705 Yes XXXXXX XXXXXX A A A A A
0181469741 Yes XXXXXX XXXXXX C A A A C
0172973631 Yes XXXXXX XXXXXX A A A A A
0195260056 Yes XXXXXX XXXXXX B B A A B
0979354282 Yes XXXXXX XXXXXX D A D A A
0902479734 Yes XXXXXX XXXXXX C B C B B
0448449905 Yes XXXXXX XXXXXX B A A A B
0318929563 Yes XXXXXX XXXXXX C A A A C
0419254311 Yes XXXXXX XXXXXX A A A A A
0083431261 Yes XXXXXX XXXXXX C A A A C
0176464215 Yes XXXXXX XXXXXX A A A A A
0643755415 Yes XXXXXX XXXXXX A A A A A
0391030430 Yes XXXXXX XXXXXX A A A A A
0596751492 Yes XXXXXX XXXXXX A A A A A
0133806802 Yes XXXXXX XXXXXX C A A A C
0810627045 Yes XXXXXX XXXXXX A A A A A
0627907732 Yes XXXXXX XXXXXX C A A A C
0432132209 Yes XXXXXX XXXXXX C A A A C
0314944184 Yes XXXXXX XXXXXX C A A A A
0841719747 Yes XXXXXX XXXXXX C A A A C
0323637836 Yes XXXXXX XXXXXX C A A A C
0253839394 Yes XXXXXX XXXXXX A A A A A
0165073789 Yes XXXXXX XXXXXX A A A A A
0210642526 Yes XXXXXX XXXXXX A A A A A
0672271657 Yes XXXXXX XXXXXX C A A A C
0902640178 Yes XXXXXX XXXXXX C A A A C
0892324179 Yes XXXXXX XXXXXX C A A A C
0778038727 Yes XXXXXX XXXXXX B B B B A
0928569869 Yes XXXXXX XXXXXX A A A A A
0871667533 Yes XXXXXX XXXXXX A A A A A
0702702409 Yes XXXXXX XXXXXX A A A A A
0217297674 Yes XXXXXX XXXXXX C A A A C
0846348091 Yes XXXXXX XXXXXX C A A A C
0371702040 Yes XXXXXX XXXXXX B B B B A
0016883835 Yes XXXXXX XXXXXX C A A A C
0835308027 Yes XXXXXX XXXXXX A A A A A
0951877372 Yes XXXXXX XXXXXX A A A A A
0136671540 Yes XXXXXX XXXXXX A A A A A
0698674168 Yes XXXXXX XXXXXX A A A A A
0727541843 Yes XXXXXX XXXXXX A A A A A
0225220355 Yes XXXXXX XXXXXX B A A A B
0047162086 Yes XXXXXX XXXXXX A A A A A
0486972146 Yes XXXXXX XXXXXX C A A A A
0732354163 Yes XXXXXX XXXXXX C B B B C
0828386484 Yes XXXXXX XXXXXX C A A A C
0647644232 Yes XXXXXX XXXXXX A A A A A
0038224148 Yes XXXXXX XXXXXX A A A A A
0907456397 Yes XXXXXX XXXXXX A A A A A
0214086633 Yes XXXXXX XXXXXX A A A A A
0112876272 Yes XXXXXX XXXXXX C A A A C
0482713964 Yes XXXXXX XXXXXX A A A A A
0421931063 Yes XXXXXX XXXXXX B B A A A
0713178371 Yes XXXXXX XXXXXX B B A A A
0257860964 Yes XXXXXX XXXXXX A A A A A
0938822959 Yes XXXXXX XXXXXX A A A A A
0616406934 Yes XXXXXX XXXXXX A A A A A
0757775016 Yes XXXXXX XXXXXX C A A A A
0214703126 Yes XXXXXX XXXXXX A A A A A
0827711180 Yes XXXXXX XXXXXX A A A A A
0826698707 Yes XXXXXX XXXXXX A A A A A

 

Alt Loan Number Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade
0891830542 A D B D B D
0358266475 A A A B B B
0445009472 A D A D B B
0565792248 A D A D B D
0989559892 A A A A A A
0172102535 A A A A A A
0234789318 A A A A A A
0167511513 A A A A A A
0188994424 A A A B B B
0278458811 A A A A A A
0276605721 A A A A A A
0979650819 A A A A A A
0805840121 A A A A A A
0894886858 A D A D A A
0762387763 A C B C B A
0688514980 A A A A A A
0742242406 A D A D A A
0404547058 A A A A A A
0638297842 A A A C A A
0746298925 A A A A A A
0863486295 A A A A A A
0340006234 A C A C A A
0404943214 A A A A A A
0930158501 A A A A A A
0707375415 A A A A A A
0388007370 A A A D A D
0475617019 A C B C B A
0688663791 A A A A A A
0902260454 A A A A A A
0617386511 A A A A A A
0267572469 A A A A A A
0290791026 A A A C A A
0164543000 A A A A A A
0202441613 A C A C A A
0289292446 A A A A A A
0365530848 A A A A A A
0617986787 A A A A A A
0496740217 A A A A A A
0917131732 A A A A A A
0926035927 A A A A A A
0603795050 A A A A A A
0032308265 A A A A A A
0526040098 A A A A A A
0448045178 A A A A A A
0417818039 A A A A A A
0237859061 A A A A A A
0744499361 A A A A A A
0175902539 A A A A A A
0087867838 A A A A A A
0970818417 A A A A A A
0132083552 A A A A A A
0864403324 A A A A A A
0305255025 A D A D A D
0357907958 A A A A A A
0882156006 A A A A A A
0389550109 A A A A A A
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0334588786 A D A D B B
0146430692 A A A A A A
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0502063980 A A A A A A
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0063703620 A A A A A A
0205194025 A D A D B B
0215441392 A A A A A A
0629151148 A A A A A A
0133938555 A A A D A D
0598841281 A C B C B A
0568261939 A A A A A A
0763457022 A A A A A A
0928929046 A D A D A A
0197658429 A A A A A A
0821567263 A A A A A A
0692343551 A A A A A A
0358557373 A A A A A A
0001442055 A A A A A A
0646168920 A A A A A A
0656643622 A A A B B B
0909799015 A A A B B B
0435065781 A A A D B D
0304112440 A A A A A A
0892599109 A A A A A A
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0467567734 A A A A A A
0235567649 A A A A A A
0934501608 A A A A A A
0568327749 A A A C A C
0636990742 A A A A A A
0987410312 A A A A A A
0356225648 A D A D B B
0929898885 A A A A A A
0331302840 A A A A A A
0567431813 A A A A A A
0772792638 A A A A A A
0611439570 A A A A A A
0880615284 A A A A A A
0286395358 A A A A A A
0727102781 A A A A A A
0091999898 A A A A A A
0084932463 A A A A A A
0498176253 A A A B B B
0868414709 A A A A A A
0398810574 A A A A A A
0492401808 A A A A A A
0855405900 A A A A A A
0221165349 A A A A A A
0229239392 A A A A A A
0465953484 A A A A A A
0088333501 A A A A A A
0210509784 A A A A A A
0043528627 A A A A A A
0714439402 A C A C A A
0256793336 A A A A A A
0172307711 A A A C A A
0320395059 A A A A A A
0423170417 A C B C B A
0387718274 A A A A A A
0170383070 A A A A A A
0925636422 A A A A A A
0319401242 A A A A A A
0923847944 A A A A A A
0686019166 A A A B B B
0935256896 A A A A A A
0316110307 A C A C A A
0734205882 A A A A A A
0700365699 A A A A A A
0235654953 A A A A A A
0314535807 A A A B B B
0657678689 A A A A A A
0159998015 A A A C A A
0172474857 A A A A A A
0696046690 A B B B B A
0091008709 A A A A A A
0955989134 A A A A A A
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0269025572 A A A A A A
0572597962 A A A B B B
0209961006 A A A A A A
0406175777 A A A B A B
0326355267 A A A C B C
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0892350963 A A A A A A
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0616325002 A A A A A A
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0231334101 A A A A A A
0725630557 A A A A A A
0068430033 A A A A A A
0559278351 A D B D B A
0831230243 A C A C A A
0596771914 A A A B B B
0267811530 A A A A A A
0069119873 A A A A A A
0060601564 A A A A A A
0803735263 A A A D B D
0290935180 A A A C A A
0698008705 A A A A A A
0435933950 A A A A A A
0722444184 A A A D A D
0911493224 A A A B B B
0805203628 A A A C A A
0569117909 A A A A A A
0453397647 A A A A A A
0205726976 A A A A A A
0356104488 A A A A A A
0706815855 A A A A A A
0505002330 A A A A A A
0149368455 A A A A A A
0782961994 A D A D B D
0892192051 A A A C A A
0203802152 A A A A A A
0955156588 A A A A A A
0481098853 A A A A A A
0391328966 C A A C C A
0962810216 A A A A A A
0460511689 A A A A A A
0028477011 A A A B B B
0594005576 A A A B B B
0669124532 A A A A A A
0517855345 A A A A A A
0029264920 A A A A A A
0008280028 A C B C B B
0939621352 A A A A A A
0650512691 A D A D B B
0008293269 A C A C B B
0905610877 A A A A A A
0498048106 A C B C B A
0311712614 A A A A A A
0297718166 A A A A A A
0399149633 A A A A A A
0596861615 A A A A A A
0505400757 A A A A A A
0227320863 A A A A A A
0237603193 A A A D A D
0078557540 A A A A A A
0595318540 A A A A A A
0710942108 A A A A A A
0590004680 A A A A A A
0799073100 A A A A A A
0826108892 A A A A A A
0319963789 A A A C A A
0714739945 A A A A A A
0653687659 A C B C B A
0370111594 A A A A A A
0195700153 A A A D B D
0392919710 A A A A A A
0279010260 A C B C B A
0692927227 A A A A A A
0455781406 A A A A A A
0227172047 A A A B B B
0323048408 A A A A A A
0535604744 A A A D B D
0849998169 A A A C B B
0062148837 A A A A A A
0433817330 A A A A A A
0838218787 A A A A A A
0388688654 A A A A A A
0334422712 A A A A A A
0070584510 A C B C B A
0901435205 A A A A A A
0722953477 A A A A A A
0914250216 A B B B B A
0781340231 A C B C B A
0548873977 A C B C B A
0789937139 A A A A A A
0141674452 A C B C B A
0708733554 A A A A A A
0478749220 A C B C B A
0327241907 A A A A A A
0264928705 A A A A A A
0423819313 A A A C A C
0947043588 A A A A A A
0921327304 A A A A A A
0047160022 A A A A A A
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0334333278 A A A A A A
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0059353931 A A A A A A
0297939688 A A A A A A
0010826823 A A A A A A
0224364000 A A A A A A
0374926914 A A A A A A
0166671017 A A A A A A
0331703728 A A A A A A
0500160486 A A A A A A
0087401493 A A A A A A
0934604695 A A A A A A
0123683594 A A A A A A
0171698680 A A A A A A
0777507334 A A A A A A
0224787836 A A A A A A
0087079366 A A A A A A
0411115272 A A A C B A
0552582570 A A A A A A
0831923509 A A A C A A
0566235119 A A A A A A
0258571462 A A A A A A
0674517418 A A A A A A
0598747092 A A A A A A
0308346631 A A A A A A
0198209562 A A A A A A
0852578705 A A A A A A
0181469741 A A A C A A
0172973631 A A A A A A
0195260056 B A A B B A
0979354282 A A A D A D
0902479734 B A A C B C
0448449905 A A A B A A
0318929563 A A A C A A
0419254311 A A A A A A
0083431261 A A A C A A
0176464215 A A A A A A
0643755415 A A A A A A
0391030430 A A A A A A
0596751492 A A A A A A
0133806802 A A A C A A
0810627045 A A A A A A
0627907732 A A A C A A
0432132209 A A A C A A
0314944184 A C A C A A
0841719747 A A A C A A
0323637836 A A A C A A
0253839394 A A A A A A
0165073789 A A A A A A
0210642526 A A A A A A
0672271657 A A A C A A
0902640178 A A A C A A
0892324179 A A A C A A
0778038727 A A A B B B
0928569869 A A A A A A
0871667533 A A A A A A
0702702409 A A A A A A
0217297674 A A A C A A
0846348091 A A A C A A
0371702040 A A A B B B
0016883835 A A A C A A
0835308027 A A A A A A
0951877372 A A A A A A
0136671540 A A A A A A
0698674168 A A A A A A
0727541843 A A A A A A
0225220355 A A A B A A
0047162086 A A A A A A
0486972146 A C A C A A
0732354163 A A A C B B
0828386484 A A A C A A
0647644232 A A A A A A
0038224148 A A A A A A
0907456397 A A A A A A
0214086633 A A A A A A
0112876272 A A A C A A
0482713964 A A A A A A
0421931063 A B B B B A
0713178371 A B B B B A
0257860964 A A A A A A
0938822959 A A A A A A
0616406934 A A A A A A
0757775016 A C A C A A
0214703126 A A A A A A
0827711180 A A A A A A
0826698707 A A A A A A

 

Alt Loan Number Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade
0891830542 A C B D B
0358266475 B A A A A
0445009472 B A A D A
0565792248 B A A D A
0989559892 A A A A A
0172102535 A A A A A
0234789318 A A A A A
0167511513 A A A A A
0188994424 B A A A A
0278458811 A A A A A
0276605721 A A A A A
0979650819 A A A A A
0805840121 A A A A A
0894886858 A A A D A
0762387763 A A A C B
0688514980 A A A A A
0742242406 A A A D A
0404547058 A A A A A
0638297842 A C A A A
0746298925 A A A A A
0863486295 A A A A A
0340006234 A A A C A
0404943214 A A A A A
0930158501 A A A A A
0707375415 A A A A A
0388007370 A A A A A
0475617019 A A A C B
0688663791 A A A A A
0902260454 A A A A A
0617386511 A A A A A
0267572469 A A A A A
0290791026 A C A A A
0164543000 A A A A A
0202441613 A A A C A
0289292446 A A A A A
0365530848 A A A A A
0617986787 A A A A A
0496740217 A A A A A
0917131732 A A A A A
0926035927 A A A A A
0603795050 A A A A A
0032308265 A A A A A
0526040098 A A A A A
0448045178 A A A A A
0417818039 A A A A A
0237859061 A A A A A
0744499361 A A A A A
0175902539 A A A A A
0087867838 A A A A A
0970818417 A A A A A
0132083552 A A A A A
0864403324 A A A A A
0305255025 A A A D A
0357907958 A A A A A
0882156006 A A A A A
0389550109 A A A A A
0950955298 A A A C B
0617718950 A A A A A
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0341455011 A A A A A
0334588786 B A A D A
0146430692 A A A A A
0016426301 A A A A A
0502063980 A A A A A
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0063703620 A A A A A
0205194025 B A A D A
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0629151148 A A A A A
0133938555 A A A A A
0598841281 A A A C B
0568261939 A A A A A
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0928929046 A A A D A
0197658429 A A A A A
0821567263 A A A A A
0692343551 A A A A A
0358557373 A A A A A
0001442055 A A A A A
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0435065781 B A A A A
0304112440 A A A A A
0892599109 A A A A A
0598221185 A A A A A
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0435667839 A A A A A
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0467567734 A A A A A
0235567649 A A A A A
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0356225648 B A A D A
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0331302840 A A A A A
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0286395358 A A A A A
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0091999898 A A A A A
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0043528627 A A A A A
0714439402 A A A C A
0256793336 A A A A A
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0320395059 A A A A A
0423170417 A A A C B
0387718274 A A A A A
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0923847944 A A A A A
0686019166 B A A A A
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0356104488 A A A A A
0706815855 A A A A A
0505002330 A A A A A
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0028477011 B A A A A
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0029264920 A A A A A
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0590004680 A A A A A
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0826108892 A A A A A
0319963789 A C A A A
0714739945 A A A A A
0653687659 A A A C B
0370111594 A A A A A
0195700153 B A A A A
0392919710 A A A A A
0279010260 A A A C B
0692927227 A A A A A
0455781406 A A A A A
0227172047 B A A A A
0323048408 A A A A A
0535604744 B A A A A
0849998169 B C A A A
0062148837 A A A A A
0433817330 A A A A A
0838218787 A A A A A
0388688654 A A A A A
0334422712 A A A A A
0070584510 A A A C B
0901435205 A A A A A
0722953477 A A A A A
0914250216 A A A B B
0781340231 A A A C B
0548873977 A A A C B
0789937139 A A A A A
0141674452 A A A C B
0708733554 A A A A A
0478749220 A A A C B
0327241907 A A A A A
0264928705 A A A A A
0423819313 A A A A A
0947043588 A A A A A
0921327304 A A A A A
0047160022 A A A A A
0578003446 A A A A A
0334333278 A A A A A
0479955912 A A A A A
0059353931 A A A A A
0297939688 A A A A A
0010826823 A A A A A
0224364000 A A A A A
0374926914 A A A A A
0166671017 A A A A A
0331703728 A A A A A
0500160486 A A A A A
0087401493 A A A A A
0934604695 A A A A A
0123683594 A A A A A
0171698680 A A A A A
0777507334 A A A A A
0224787836 A A A A A
0087079366 A A A A A
0411115272 A C B A A
0552582570 A A A A A
0831923509 A C A A A
0566235119 A A A A A
0258571462 A A A A A
0674517418 A A A A A
0598747092 A A A A A
0308346631 A A A A A
0198209562 A A A A A
0852578705 A A A A A
0181469741 A C A A A
0172973631 A A A A A
0195260056 A B B A A
0979354282 A A A A A
0902479734 B B B A A
0448449905 A B A A A
0318929563 A C A A A
0419254311 A A A A A
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0176464215 A A A A A
0643755415 A A A A A
0391030430 A A A A A
0596751492 A A A A A
0133806802 A C A A A
0810627045 A A A A A
0627907732 A C A A A
0432132209 A C A A A
0314944184 A A A C A
0841719747 A C A A A
0323637836 A C A A A
0253839394 A A A A A
0165073789 A A A A A
0210642526 A A A A A
0672271657 A C A A A
0902640178 A C A A A
0892324179 A C A A A
0778038727 B A A A A
0928569869 A A A A A
0871667533 A A A A A
0702702409 A A A A A
0217297674 A C A A A
0846348091 A C A A A
0371702040 B A A A A
0016883835 A C A A A
0835308027 A A A A A
0951877372 A A A A A
0136671540 A A A A A
0698674168 A A A A A
0727541843 A A A A A
0225220355 A B A A A
0047162086 A A A A A
0486972146 A A A C A
0732354163 B C A A A
0828386484 A C A A A
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0038224148 A A A A A
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0214086633 A A A A A
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0482713964 A A A A A
0421931063 A A A B B
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0257860964 A A A A A
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0616406934 A A A A A
0757775016 A A A C A
0214703126 A A A A A
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0826698707 A A A A A