Exhibit 99.5

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-INV1
Start - End Dates:	02/14/22 - 03/16/22
Deal Loan Count:	362
Conditions Report 2.0
Loans in Report:	362
Loans with Conditions:	94

17 - Total Active Conditions
	4 - Material Conditions
		2 - Credit Review Scope
			2 - Category: DTI
		2 - Compliance Review Scope
			2 - Category: TILA/RESPA Integrated Disclosure
	13 - Non-Material Conditions
		8 - Credit Review Scope
			2 - Category: Ability to Repay/Qualified Mortgage
			2 - Category: DTI
			4 - Category: Income/Employment
		5 - Compliance Review Scope
			5 - Category: RESPA
122 - Total Satisfied Conditions
		75 - Credit Review Scope
			3 - Category: Application
			10 - Category: Assets
			4 - Category: Credit/Mtg History
			22 - Category: DTI
			16 - Category: Income/Employment
			4 - Category: Insurance
			6 - Category: Legal Documents
			1 - Category: Re-Verifications
			6 - Category: Terms/Guidelines
			3 - Category: Title
		14 - Property Valuations Review Scope
			4 - Category: Appraisal
			7 - Category: FEMA
			1 - Category: Property
			2 - Category: Value
		33 - Compliance Review Scope
			11 - Category: Ability to Repay/Qualified Mortgage
			1 - Category: Compliance Manual
			3 - Category: Documentation
			18 - 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 2022-INV1
Start - End Dates:	02/14/22 - 03/16/22
Deal Loan Count:	362
Conditions Report 2.0
Loans in Report:	362
Loans with Conditions:	94

Alt Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

0768573298

XXXXXX

MN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0319666688

XXXXXX

UT

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

C

A

A

A

A

C

C

0731285047

XXXXXX

NY

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0285148298

XXXXXX

CT

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

D

C

C

C

C

A

D

A

0677149254

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0022327652

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

0448199324

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0979702697

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0084674715

XXXXXX

ID

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0682513591

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0631100046

XXXXXX

CA

QM: GSE Temporary - QM/SH

Non-QM: Lender documented all ATR UW factors

C

C

C

C

A

A

A

A

0122126215

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0122126215

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0558802088

XXXXXX

OR

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0558802088

XXXXXX

OR

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0483938595

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0823896986

XXXXXX

LA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0823896986

XXXXXX

LA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0395821304

XXXXXX

KS

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0762088184

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0727108009

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0293437949

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0856275986

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0139126138

XXXXXX

TN

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0924268465

XXXXXX

GA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0433380233

XXXXXX

SC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0692837942

XXXXXX

MI

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0744719764

XXXXXX

CO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0814495634

XXXXXX

UT

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0286307252

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0302712902

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

A

A

0302712902

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

D

A

A

A

0232744971

XXXXXX

MO

QM: Rebuttable Presumption (APOR)

QM: Rebuttable Presumption (APOR)

D

A

D

A

A

A

A

A

0358926390

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0922243163

XXXXXX

OR

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0737455199

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0100600459

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0100600459

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0250172659

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0707729550

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0970632063

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0275169796

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0412261818

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0198488711

XXXXXX

MD

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0090662018

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0438399985

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0982918867

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0907750228

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0104243518

XXXXXX

TN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0330817229

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0646225824

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0491797903

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0617731917

XXXXXX

ID

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0277873241

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0429187388

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0749438453

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0125728577

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0911719968

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0438228435

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0699087315

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0658005021

XXXXXX

OH

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0863116234

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0747244370

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0747244370

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0261690124

XXXXXX

TN

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0592639832

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0927952463

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0927952463

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0763373522

XXXXXX

IN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0312775548

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0848208876

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0400983943

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0619867854

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0619867854

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0948460106

XXXXXX

NH

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0196158832

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

0736718417

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0048461458

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0954667394

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0672744922

XXXXXX

OH

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0672228067

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0695698811

XXXXXX

CT

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0777373449

XXXXXX

OR

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0491506662

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

C

A

A

A

0566748346

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0564223982

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0179599052

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0997270393

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0913281625

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0182655512

XXXXXX

MD

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0951154164

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0383693904

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0383693904

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0409455457

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0000760451

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0366635468

XXXXXX

NC

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0709474831

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0948354289

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0434552860

XXXXXX

OH

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0692763538

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0007649344

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0854997921

XXXXXX

OH

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0808499087

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0361478088

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0281653660

XXXXXX

AL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0589645574

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0033021267

XXXXXX

TN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0625400065

XXXXXX

MN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0268962661

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0424310566

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

0991799131

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0641472392

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0641472392

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0185870070

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0185870070

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0896455419

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0965593191

XXXXXX

NC

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0388531249

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0117325729

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0130231362

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0105732455

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0765711536

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0390412598

XXXXXX

CO

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0934735655

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

D

A

0934735655

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

D

A

0421484065

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0609767074

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0424117010

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0231877912

XXXXXX

MO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0875997430

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0162019058

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0437123537

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0771236177

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0654376922

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0687680816

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0718023678

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0365433704

XXXXXX

SC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0310613302

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0466856056

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

0271862720

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0271862720

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0863029571

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0655101511

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0103225063

XXXXXX

NM

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0525175315

XXXXXX

DE

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0672685397

XXXXXX

WA

(No Data)

ATR/QM: Exempt

B

A

A

A

B

A

A

A

0915221629

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0763372304

XXXXXX

UT

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0258469560

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0987531306

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0086591234

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

D

A

0086591234

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

D

A

0744728035

XXXXXX

OH

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0641599178

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

0687828886

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0422348629

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

A

A

A

A

B

B

0140103783

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0049531058

XXXXXX

GA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0379849286

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0590626586

XXXXXX

NV

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

0184491359

XXXXXX

TN

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0107037493

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0794710575

XXXXXX

GA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0575093630

XXXXXX

SC

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0026289338

XXXXXX

SC

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0688405471

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0852387512

XXXXXX

NC

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0060688848

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0890791505

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0521396208

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0082402747

XXXXXX

AL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0094199639

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0392522446

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0233992178

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0106099595

XXXXXX

MO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0912204842

XXXXXX

ID

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0438506385

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0345893182

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0355558488

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

A

A

A

A

C

A

0443712949

XXXXXX

KS

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0856381386

XXXXXX

TX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0284701760

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0361566465

XXXXXX

VA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0674168088

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0127923761

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0867881207

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0993924096

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0953504310

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0809055353

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

A

A

D

A

0750841857

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0750841857

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0566700968

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0837279555

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0037853603

XXXXXX

MO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0701661193

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0025101105

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

A

C

B

0025101105

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

C

A

C

B

0129891920

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0546990370

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0572160983

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0408887673

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

0408887673

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

0408887673

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

C

A

A

A

D

A

0642734084

XXXXXX

ID

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0562618890

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0043069274

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0224339241

XXXXXX

LA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0289065655

XXXXXX

NC

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

0891180373

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0869128653

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0869128653

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0423247515

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0423247515

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0423247515

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0423247515

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

D

A

0394508041

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0260833803

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0064468511

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0633931915

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0997081155

XXXXXX

MO

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0442616315

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0168718369

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0773363825

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0015217157

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0393159431

XXXXXX

NM

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0193010342

XXXXXX

AL

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

0788203503

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0893774882

XXXXXX

GA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0019627470

XXXXXX

NM

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0513443774

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0369077661

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0916033478

XXXXXX

MD

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0751800846

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0316146764

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0013378020

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0980481427

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0956450785

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0109749100

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0886436008

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0852831405

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0468786757

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0076932622

XXXXXX

OH

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0549451434

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0305703683

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0795424166

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0393871528

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0727778718

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0988192581

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0951557054

XXXXXX

AR

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0862400746

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0313600462

XXXXXX

MS

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0611023241

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0743457455

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0053021226

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0708723087

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0862197956

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0683462782

XXXXXX

NJ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0587134328

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0814655966

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0535467604

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0179768441

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0542493879

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0767908169

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0314486183

XXXXXX

MT

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0354253272

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0550240227

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0018761711

XXXXXX

GA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0355102302

XXXXXX

AL

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

0355102302

XXXXXX

AL

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

0705599427

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0398678082

XXXXXX

CO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0689666715

XXXXXX

SC

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

0347029890

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0458293508

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0510614162

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0238673692

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0486328481

XXXXXX

LA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0136603008

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0112368997

XXXXXX

NV

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0971494595

XXXXXX

KY

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0326636420

XXXXXX

WA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0543967221

XXXXXX

CO

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0981090479

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0050398171

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0024953152

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0572224332

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0655437498

XXXXXX

IL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0654033664

XXXXXX

IL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0383894138

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

B

A

A

A

A

C

B

0175871836

XXXXXX

NY

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

0532802456

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0539795985

XXXXXX

CO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0886692551

XXXXXX

OR

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0077528066

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0776817002

XXXXXX

TN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0700422107

XXXXXX

HI

(No Data)

ATR/QM: Exempt

D

A

D

A

B

A

A

A

0700422107

XXXXXX

HI

(No Data)

ATR/QM: Exempt

D

A

D

A

B

A

A

A

0469237732

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0279074630

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0597602764

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0585769862

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0516241996

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0182483168

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0578660148

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0397859734

XXXXXX

RI

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0495435543

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

C

A

C

A

A

A

A

A

0247298997

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0378085401

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0649985515

XXXXXX

MD

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0306950878

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0227343772

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

C

A

A

A

0227343772

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

C

A

A

A

0294934064

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0269335847

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0084180641

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0060800852

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0917256174

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0428785772

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0428785772

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0428785772

XXXXXX

VA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0191619427

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0228153100

XXXXXX

ID

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0091543427

XXXXXX

IN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0359368667

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0883208966

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0202917913

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0965338091

XXXXXX

SC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0978307325

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0233659091

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0041794511

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0803959459

XXXXXX

CO

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0568584608

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0659835600

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0254084698

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0680656432

XXXXXX

NH

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0432864946

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0339795039

XXXXXX

CT

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

0232780458

XXXXXX

MD

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0179558755

XXXXXX

MA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0917481264

XXXXXX

AZ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0623270433

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0790024232

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0688088406

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0250112015

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0386434481

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0983762324

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

B

B

B

B

A

A

A

A

0925619358

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0732648036

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0129236503

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0526762569

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0799510728

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0124435137

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0447665250

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0819472121

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0561344210

XXXXXX

MA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0636864926

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

A

D

A

A

A

A

A

0660340844

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0261257494

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0754839285

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0498996672

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

0785810385

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

0785810385

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

0785810385

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

0785810385

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

D

A

A

A

B

B

0098625785

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0098625785

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0796097917

XXXXXX

TX

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0477262538

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0739633317

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

0739633317

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

B

A

A

A

A

D

B

0184454758

XXXXXX

MN

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0667804043

XXXXXX

GA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0675363085

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0515806374

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0515806374

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0442895671

XXXXXX

MA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0958107597

XXXXXX

ID

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0090454285

XXXXXX

RI

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0351699929

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

C

D

A

A

A

C

C

0351699929

XXXXXX

PA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

D

C

D

A

A

A

C

C

0309455657

XXXXXX

FL

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0467251553

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0482170093

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0167771153

XXXXXX

TN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0577264814

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0603265183

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0966807923

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0366435929

XXXXXX

VA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0681411787

XXXXXX

CA

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0468951600

XXXXXX

AZ

QM: Safe Harbor (APOR)

QM: Safe Harbor (APOR)

A

A

A

A

A

A

A

A

0716412069

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0854975823

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0069594413

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0069594413

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0069594413

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0069594413

XXXXXX

PA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

0731837280

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0519535437

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

0783350326

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

Alt Loan Number	Initial S&P Overall Loan Grade	Final S&P Overall Loan Grade	Initial S&P Credit Loan Grade	Final S&P Credit Loan Grade	Initial S&P Property Valuations Loan Grade	Final S&P Property Valuations Loan Grade	Initial S&P Compliance Loan Grade	Final S&P Compliance Loan Grade	Condition Category	Condition Sub Category	Condition Status
0768573298	A	A	A	A	A	A	A	A
0319666688	C	C	A	A	A	A	C	C	Compliance	TILA/RESPA Integrated Disclosure	Active
0731285047	D	A	D	A	A	A	A	A	Credit	Legal Documents	Satisfied
0285148298	D	C	C	C	C	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0285148298	D	C	C	C	C	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0285148298	D	C	C	C	C	A	D	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0285148298	D	C	C	C	C	A	D	A	Credit	Ability to Repay/Qualified Mortgage	Active
0285148298	D	C	C	C	C	A	D	A	Credit	DTI	Active
0285148298	D	C	C	C	C	A	D	A	Property Valuations	FEMA	Satisfied
0677149254	A	A	A	A	A	A	A	A
0022327652	A	A	A	A	A	A	A	A
0448199324	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0979702697	A	A	A	A	A	A	A	A
0084674715	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0682513591	A	A	A	A	A	A	A	A
0631100046	C	C	C	C	A	A	A	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0631100046	C	C	C	C	A	A	A	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0631100046	C	C	C	C	A	A	A	A	Credit	Ability to Repay/Qualified Mortgage	Active
0631100046	C	C	C	C	A	A	A	A	Credit	DTI	Active
0122126215	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0122126215	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0558802088	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0558802088	D	A	D	A	A	A	D	A	Credit	Legal Documents	Satisfied
0483938595	A	A	A	A	A	A	A	A
0823896986	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0823896986	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0395821304	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0762088184	D	A	D	A	A	A	A	A	Credit	Assets	Satisfied
0727108009	A	A	A	A	A	A	A	A
0293437949	A	A	A	A	A	A	A	A
0856275986	D	A	D	A	A	A	A	A	Credit	Terms/Guidelines	Satisfied
0139126138	C	A	C	A	A	A	A	A	Credit	Terms/Guidelines	Satisfied
0924268465	A	A	A	A	A	A	A	A
0433380233	A	A	A	A	A	A	A	A
0692837942	A	A	A	A	A	A	A	A
0744719764	A	A	A	A	A	A	A	A
0814495634	A	A	A	A	A	A	A	A
0286307252	A	A	A	A	A	A	A	A
0302712902	D	A	C	A	D	A	A	A	Credit	Title	Satisfied
0302712902	D	A	C	A	D	A	A	A	Property Valuations	Appraisal	Satisfied
0232744971	D	A	D	A	A	A	A	A	Credit	Title	Satisfied
0358926390	A	A	A	A	A	A	A	A
0922243163	A	A	A	A	A	A	A	A
0737455199	A	A	A	A	A	A	A	A
0100600459	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0100600459	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0250172659	A	A	A	A	A	A	A	A
0707729550	A	A	A	A	A	A	A	A
0970632063	A	A	A	A	A	A	A	A
0275169796	A	A	A	A	A	A	A	A
0412261818	A	A	A	A	A	A	A	A
0198488711	A	A	A	A	A	A	A	A
0090662018	A	A	A	A	A	A	A	A
0438399985	A	A	A	A	A	A	A	A
0982918867	A	A	A	A	A	A	A	A
0907750228	A	A	A	A	A	A	A	A
0104243518	A	A	A	A	A	A	A	A
0330817229	A	A	A	A	A	A	A	A
0646225824	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0491797903	A	A	A	A	A	A	A	A
0617731917	A	A	A	A	A	A	A	A
0277873241	A	A	A	A	A	A	A	A
0429187388	A	A	A	A	A	A	A	A
0749438453	D	A	D	A	A	A	A	A	Credit	Application	Satisfied
0125728577	A	A	A	A	A	A	A	A
0911719968	A	A	A	A	A	A	A	A
0438228435	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0699087315	A	A	A	A	A	A	A	A
0658005021	A	A	A	A	A	A	A	A
0863116234	A	A	A	A	A	A	A	A
0747244370	B	B	A	A	A	A	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0747244370	B	B	A	A	A	A	B	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0261690124	C	A	C	A	A	A	A	A	Credit	Credit/Mtg History	Satisfied
0592639832	A	A	A	A	A	A	A	A
0927952463	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0927952463	D	A	D	A	A	A	D	A	Credit	Terms/Guidelines	Satisfied
0763373522	A	A	A	A	A	A	A	A
0312775548	A	A	A	A	A	A	A	A
0848208876	A	A	A	A	A	A	A	A
0400983943	A	A	A	A	A	A	A	A
0619867854	D	A	D	A	A	A	A	A	Credit	Assets	Satisfied
0619867854	D	A	D	A	A	A	A	A	Credit	Assets	Satisfied
0948460106	A	A	A	A	A	A	A	A
0196158832	D	A	A	A	D	A	A	A	Property Valuations	Property	Satisfied
0736718417	A	A	A	A	A	A	A	A
0048461458	A	A	A	A	A	A	A	A
0954667394	A	A	A	A	A	A	A	A
0672744922	A	A	A	A	A	A	A	A
0672228067	A	A	A	A	A	A	A	A
0695698811	A	A	A	A	A	A	A	A
0777373449	A	A	A	A	A	A	A	A
0491506662	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0566748346	A	A	A	A	A	A	A	A
0564223982	C	A	A	A	A	A	C	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0179599052	A	A	A	A	A	A	A	A
0997270393	A	A	A	A	A	A	A	A
0913281625	A	A	A	A	A	A	A	A
0182655512	A	A	A	A	A	A	A	A
0951154164	C	A	C	A	A	A	A	A	Credit	Income/Employment	Satisfied
0383693904	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0383693904	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0409455457	A	A	A	A	A	A	A	A
0000760451	A	A	A	A	A	A	A	A
0366635468	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0709474831	A	A	A	A	A	A	A	A
0948354289	A	A	A	A	A	A	A	A
0434552860	A	A	A	A	A	A	A	A
0692763538	A	A	A	A	A	A	A	A
0007649344	A	A	A	A	A	A	A	A
0854997921	A	A	A	A	A	A	A	A
0808499087	A	A	A	A	A	A	A	A
0361478088	A	A	A	A	A	A	A	A
0281653660	A	A	A	A	A	A	A	A
0589645574	A	A	A	A	A	A	A	A
0033021267	A	A	A	A	A	A	A	A
0625400065	A	A	A	A	A	A	A	A
0268962661	A	A	A	A	A	A	A	A
0424310566	C	B	A	A	C	B	A	A	Property Valuations	Value	Satisfied
0991799131	A	A	A	A	A	A	A	A
0641472392	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0641472392	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0185870070	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0185870070	D	A	D	A	A	A	D	A	Credit	DTI	Satisfied
0896455419	A	A	A	A	A	A	A	A
0965593191	A	A	A	A	A	A	A	A
0388531249	A	A	A	A	A	A	A	A
0117325729	A	A	A	A	A	A	A	A
0130231362	A	A	A	A	A	A	A	A
0105732455	A	A	A	A	A	A	A	A
0765711536	A	A	A	A	A	A	A	A
0390412598	C	A	C	A	A	A	A	A	Credit	Assets	Satisfied
0934735655	D	A	D	A	A	A	D	A	Compliance	Documentation	Satisfied
0934735655	D	A	D	A	A	A	D	A	Credit	Legal Documents	Satisfied
0421484065	A	A	A	A	A	A	A	A
0609767074	A	A	A	A	A	A	A	A
0424117010	A	A	A	A	A	A	A	A
0231877912	A	A	A	A	A	A	A	A
0875997430	A	A	A	A	A	A	A	A
0162019058	A	A	A	A	A	A	A	A
0437123537	A	A	A	A	A	A	A	A
0771236177	A	A	A	A	A	A	A	A
0654376922	A	A	A	A	A	A	A	A
0687680816	A	A	A	A	A	A	A	A
0718023678	A	A	A	A	A	A	A	A
0365433704	A	A	A	A	A	A	A	A
0310613302	A	A	A	A	A	A	A	A
0466856056	D	A	A	A	D	A	A	A	Property Valuations	Appraisal	Satisfied
0271862720	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0271862720	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0863029571	A	A	A	A	A	A	A	A
0655101511	C	A	C	A	A	A	A	A	Credit	Assets	Satisfied
0103225063	A	A	A	A	A	A	A	A
0525175315	A	A	A	A	A	A	A	A
0672685397	B	A	A	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0915221629	A	A	A	A	A	A	A	A
0763372304	A	A	A	A	A	A	A	A
0258469560	A	A	A	A	A	A	A	A
0987531306	A	A	A	A	A	A	A	A
0086591234	D	A	D	A	A	A	D	A	Compliance	Documentation	Satisfied
0086591234	D	A	D	A	A	A	D	A	Credit	DTI	Satisfied
0744728035	A	A	A	A	A	A	A	A
0641599178	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0687828886	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0422348629	B	B	A	A	A	A	B	B	Compliance	RESPA	Active
0140103783	A	A	A	A	A	A	A	A
0049531058	A	A	A	A	A	A	A	A
0379849286	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0590626586	B	B	B	B	A	A	A	A	Credit	DTI	Active
0184491359	C	A	C	A	A	A	A	A	Credit	Income/Employment	Satisfied
0107037493	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0794710575	A	A	A	A	A	A	A	A
0575093630	A	A	A	A	A	A	A	A
0026289338	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0688405471	A	A	A	A	A	A	A	A
0852387512	A	A	A	A	A	A	A	A
0060688848	A	A	A	A	A	A	A	A
0890791505	A	A	A	A	A	A	A	A
0521396208	A	A	A	A	A	A	A	A
0082402747	A	A	A	A	A	A	A	A
0094199639	A	A	A	A	A	A	A	A
0392522446	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0233992178	A	A	A	A	A	A	A	A
0106099595	A	A	A	A	A	A	A	A
0912204842	A	A	A	A	A	A	A	A
0438506385	A	A	A	A	A	A	A	A
0345893182	A	A	A	A	A	A	A	A
0355558488	C	A	A	A	A	A	C	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0443712949	C	A	C	A	A	A	A	A	Credit	Assets	Satisfied
0856381386	C	A	C	A	A	A	A	A	Credit	Re-Verifications	Satisfied
0284701760	A	A	A	A	A	A	A	A
0361566465	A	A	A	A	A	A	A	A
0674168088	A	A	A	A	A	A	A	A
0127923761	A	A	A	A	A	A	A	A
0867881207	A	A	A	A	A	A	A	A	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0993924096	A	A	A	A	A	A	A	A
0953504310	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0809055353	D	A	A	A	A	A	D	A	Compliance	Documentation	Satisfied
0750841857	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0750841857	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0566700968	A	A	A	A	A	A	A	A
0837279555	A	A	A	A	A	A	A	A
0037853603	A	A	A	A	A	A	A	A
0701661193	A	A	A	A	A	A	A	A
0025101105	C	B	A	A	C	B	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0025101105	C	B	A	A	C	B	C	B	Property Valuations	Value	Satisfied
0129891920	A	A	A	A	A	A	A	A
0546990370	A	A	A	A	A	A	A	A
0572160983	A	A	A	A	A	A	A	A
0408887673	D	A	C	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0408887673	D	A	C	A	A	A	D	A	Credit	Credit/Mtg History	Satisfied
0408887673	D	A	C	A	A	A	D	A	Credit	DTI	Satisfied
0642734084	A	A	A	A	A	A	A	A
0562618890	A	A	A	A	A	A	A	A
0043069274	D	A	D	A	A	A	A	A	Credit	Application	Satisfied
0224339241	A	A	A	A	A	A	A	A
0289065655	B	B	B	B	A	A	A	A	Credit	Income/Employment	Active
0891180373	A	A	A	A	A	A	A	A
0869128653	C	B	A	A	A	A	C	B	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0869128653	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0423247515	D	A	D	A	A	A	D	A	Compliance	Ability to Repay/Qualified Mortgage	Satisfied
0423247515	D	A	D	A	A	A	D	A	Credit	Assets	Satisfied
0423247515	D	A	D	A	A	A	D	A	Credit	Income/Employment	Satisfied
0423247515	D	A	D	A	A	A	D	A	Credit	Terms/Guidelines	Satisfied
0394508041	A	A	A	A	A	A	A	A
0260833803	A	A	A	A	A	A	A	A
0064468511	A	A	A	A	A	A	A	A
0633931915	A	A	A	A	A	A	A	A
0997081155	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0442616315	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0168718369	A	A	A	A	A	A	A	A
0773363825	A	A	A	A	A	A	A	A
0015217157	A	A	A	A	A	A	A	A
0393159431	A	A	A	A	A	A	A	A
0193010342	C	A	A	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0788203503	A	A	A	A	A	A	A	A
0893774882	A	A	A	A	A	A	A	A
0019627470	A	A	A	A	A	A	A	A
0513443774	A	A	A	A	A	A	A	A
0369077661	A	A	A	A	A	A	A	A
0916033478	A	A	A	A	A	A	A	A
0751800846	A	A	A	A	A	A	A	A
0316146764	A	A	A	A	A	A	A	A
0013378020	A	A	A	A	A	A	A	A
0980481427	A	A	A	A	A	A	A	A
0956450785	A	A	A	A	A	A	A	A
0109749100	A	A	A	A	A	A	A	A
0886436008	A	A	A	A	A	A	A	A
0852831405	A	A	A	A	A	A	A	A
0468786757	A	A	A	A	A	A	A	A
0076932622	A	A	A	A	A	A	A	A
0549451434	A	A	A	A	A	A	A	A
0305703683	A	A	A	A	A	A	A	A
0795424166	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0393871528	A	A	A	A	A	A	A	A
0727778718	A	A	A	A	A	A	A	A
0988192581	A	A	A	A	A	A	A	A
0951557054	A	A	A	A	A	A	A	A
0862400746	A	A	A	A	A	A	A	A
0313600462	D	A	D	A	A	A	A	A	Credit	Insurance	Satisfied
0611023241	A	A	A	A	A	A	A	A
0743457455	A	A	A	A	A	A	A	A
0053021226	A	A	A	A	A	A	A	A
0708723087	A	A	A	A	A	A	A	A
0862197956	A	A	A	A	A	A	A	A
0683462782	A	A	A	A	A	A	A	A
0587134328	A	A	A	A	A	A	A	A
0814655966	A	A	A	A	A	A	A	A
0535467604	A	A	A	A	A	A	A	A
0179768441	A	A	A	A	A	A	A	A
0542493879	A	A	A	A	A	A	A	A
0767908169	A	A	A	A	A	A	A	A
0314486183	A	A	A	A	A	A	A	A
0354253272	A	A	A	A	A	A	A	A
0550240227	A	A	A	A	A	A	A	A
0018761711	A	A	A	A	A	A	A	A
0355102302	D	B	D	B	A	A	A	A	Credit	Application	Satisfied
0355102302	D	B	D	B	A	A	A	A	Credit	Income/Employment	Active
0705599427	A	A	A	A	A	A	A	A
0398678082	A	A	A	A	A	A	A	A
0689666715	B	B	B	B	A	A	A	A	Credit	Income/Employment	Active
0347029890	A	A	A	A	A	A	A	A
0458293508	A	A	A	A	A	A	A	A
0510614162	A	A	A	A	A	A	A	A
0238673692	A	A	A	A	A	A	A	A
0486328481	A	A	A	A	A	A	A	A
0136603008	A	A	A	A	A	A	A	A
0112368997	A	A	A	A	A	A	A	A
0971494595	A	A	A	A	A	A	A	A
0326636420	A	A	A	A	A	A	A	A
0543967221	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0981090479	A	A	A	A	A	A	A	A
0050398171	A	A	A	A	A	A	A	A
0024953152	A	A	A	A	A	A	A	A
0572224332	A	A	A	A	A	A	A	A
0655437498	A	A	A	A	A	A	A	A
0654033664	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0383894138	C	B	A	A	A	A	C	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0175871836	B	B	B	B	A	A	A	A	Credit	DTI	Active
0532802456	A	A	A	A	A	A	A	A
0539795985	A	A	A	A	A	A	A	A
0886692551	D	A	D	A	A	A	A	A	Credit	Legal Documents	Satisfied
0077528066	A	A	A	A	A	A	A	A
0776817002	A	A	A	A	A	A	A	A
0700422107	D	A	D	A	B	A	A	A	Credit	Income/Employment	Satisfied
0700422107	D	A	D	A	B	A	A	A	Property Valuations	FEMA	Satisfied
0469237732	A	A	A	A	A	A	A	A
0279074630	A	A	A	A	A	A	A	A
0597602764	A	A	A	A	A	A	A	A
0585769862	A	A	A	A	A	A	A	A
0516241996	A	A	A	A	A	A	A	A
0182483168	A	A	A	A	A	A	A	A
0578660148	C	A	C	A	A	A	A	A	Credit	Insurance	Satisfied
0397859734	A	A	A	A	A	A	A	A
0495435543	C	A	C	A	A	A	A	A	Credit	Title	Satisfied
0247298997	A	A	A	A	A	A	A	A
0378085401	A	A	A	A	A	A	A	A
0649985515	A	A	A	A	A	A	A	A
0306950878	A	A	A	A	A	A	A	A
0227343772	D	A	D	A	C	A	A	A	Credit	Terms/Guidelines	Satisfied
0227343772	D	A	D	A	C	A	A	A	Property Valuations	Appraisal	Satisfied
0294934064	A	A	A	A	A	A	A	A
0269335847	A	A	A	A	A	A	A	A
0084180641	D	A	D	A	A	A	A	A	Credit	Legal Documents	Satisfied
0060800852	A	A	A	A	A	A	A	A
0917256174	A	A	A	A	A	A	A	A
0428785772	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0428785772	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0428785772	D	A	D	A	A	A	A	A	Credit	Legal Documents	Satisfied
0191619427	A	A	A	A	A	A	A	A
0228153100	A	A	A	A	A	A	A	A
0091543427	A	A	A	A	A	A	A	A
0359368667	A	A	A	A	A	A	A	A
0883208966	A	A	A	A	A	A	A	A
0202917913	A	A	A	A	A	A	A	A
0965338091	A	A	A	A	A	A	A	A
0978307325	A	A	A	A	A	A	A	A
0233659091	A	A	A	A	A	A	A	A
0041794511	A	A	A	A	A	A	A	A
0803959459	A	A	A	A	A	A	A	A
0568584608	A	A	A	A	A	A	A	A
0659835600	A	A	A	A	A	A	A	A
0254084698	A	A	A	A	A	A	A	A
0680656432	A	A	A	A	A	A	A	A
0432864946	A	A	A	A	A	A	A	A
0339795039	C	A	A	A	C	A	A	A	Property Valuations	FEMA	Satisfied
0232780458	A	A	A	A	A	A	A	A
0179558755	D	A	D	A	A	A	A	A	Credit	Assets	Satisfied
0917481264	A	A	A	A	A	A	A	A
0623270433	A	A	A	A	A	A	A	A
0790024232	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0688088406	A	A	A	A	A	A	A	A
0250112015	A	A	A	A	A	A	A	A
0386434481	A	A	A	A	A	A	A	A
0983762324	B	B	B	B	A	A	A	A	Credit	Income/Employment	Active
0925619358	A	A	A	A	A	A	A	A
0732648036	C	A	C	A	A	A	A	A	Credit	Assets	Satisfied
0129236503	A	A	A	A	A	A	A	A
0526762569	A	A	A	A	A	A	A	A
0799510728	A	A	A	A	A	A	A	A
0124435137	A	A	A	A	A	A	A	A
0447665250	A	A	A	A	A	A	A	A
0819472121	A	A	A	A	A	A	A	A
0561344210	A	A	A	A	A	A	A	A
0636864926	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0660340844	C	A	C	A	A	A	A	A	Credit	DTI	Satisfied
0261257494	A	A	A	A	A	A	A	A
0754839285	A	A	A	A	A	A	A	A
0498996672	C	A	C	A	A	A	A	A	Credit	Credit/Mtg History	Satisfied
0785810385	D	B	D	A	A	A	B	B	Compliance	RESPA	Active
0785810385	D	B	D	A	A	A	B	B	Compliance	RESPA	Active
0785810385	D	B	D	A	A	A	B	B	Credit	DTI	Satisfied
0785810385	D	B	D	A	A	A	B	B	Credit	Income/Employment	Satisfied
0098625785	D	A	D	A	A	A	A	A	Credit	Credit/Mtg History	Satisfied
0098625785	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0796097917	A	A	A	A	A	A	A	A
0477262538	A	A	A	A	A	A	A	A
0739633317	D	B	A	A	A	A	D	B	Compliance	Compliance Manual	Satisfied
0739633317	D	B	A	A	A	A	D	B	Compliance	TILA/RESPA Integrated Disclosure	Satisfied
0184454758	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0667804043	A	A	A	A	A	A	A	A
0675363085	A	A	A	A	A	A	A	A
0515806374	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0515806374	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0442895671	A	A	A	A	A	A	A	A
0958107597	A	A	A	A	A	A	A	A
0090454285	A	A	A	A	A	A	A	A
0351699929	D	C	D	A	A	A	C	C	Compliance	TILA/RESPA Integrated Disclosure	Active
0351699929	D	C	D	A	A	A	C	C	Credit	Terms/Guidelines	Satisfied
0309455657	A	A	A	A	A	A	A	A
0467251553	A	A	A	A	A	A	A	A
0482170093	A	A	A	A	A	A	A	A
0167771153	A	A	A	A	A	A	A	A
0577264814	A	A	A	A	A	A	A	A
0603265183	A	A	A	A	A	A	A	A
0966807923	A	A	A	A	A	A	A	A
0366435929	A	A	A	A	A	A	A	A
0681411787	A	A	A	A	A	A	A	A
0468951600	A	A	A	A	A	A	A	A
0716412069	A	A	A	A	A	A	A	A
0854975823	A	A	A	A	A	A	A	A
0069594413	D	A	D	A	A	A	A	A	Credit	Assets	Satisfied
0069594413	D	A	D	A	A	A	A	A	Credit	DTI	Satisfied
0069594413	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0069594413	D	A	D	A	A	A	A	A	Credit	Income/Employment	Satisfied
0731837280	A	A	A	A	A	A	A	A
0519535437	A	A	A	A	A	A	A	A
0783350326	A	A	A	A	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	Condition Material Indicator	Initial Comments
0768573298
0319666688	C	C	C	C	CMPTRID3966	TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected	Yes	Final CD XXX page 5 neither box is checked for declined it or lender does not offer one.
0731285047	D	A	D	A	CRDLGL140	Missing subordination agreement for existing junior lien	No	Missing the fully executed subordination agreement from XXX.
0285148298	C	A	C	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Clayton status is Non-QM. Initial lender status is QM.
0285148298	D	A	D	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing final DU AUS. AUS approved at 38.07% back-end DTI per AUS in file; Review DTI 41.3% exceeds 3% tolerance variance allowed. Difference is due to 2nd home mortgage PITI of $1,488/month per CBR; lender used $1,008.08 per 1003.
0285148298	A	A	A	A	CMPTRID5293	TRID  Not all required seller-paid fees were disclosed on the CD	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.
0285148298	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Lender agrees with Clayton Non-QM status
0285148298	C	C	C	C	CRDDTI105	Debt Ratio Exception 5% or Less	Yes	AUS approved at 38.07% back-end DTI; Review DTI 41.3% exceeds 3% tolerance variance allowed. Difference is due to 2nd home mortgage PITI of $1,488/month per CBR; lender used $1,008.08 per 1003.
0285148298	C	A	C	A	PRVAFEMA217	Natural Disaster Area, no subsequent inspection (Individual)	No	No inspection since FEMA disaster XXX, Note date XXX.
0677149254
0022327652
0448199324	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA disaster XXX; Note date XXX.
0979702697
0084674715	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	File is missing verification of new XXX PITI payment of $1,098.77 as indicated on the final 1003.
0682513591
0631100046	A	A	A	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Clayton status is Non-QM. Initial lender status is QM.
0631100046	A	A	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.	No	AUS in file shows loan was qualified with DTI of 35.4. Review calculation shows DTI of 39.48 based on additional of REO debt not used in original qualifying.
0631100046	B	B	B	B	CRDATRQM5170	TILA - ATR/QM: Lender changed their status determination based upon Clayton's review	No	Lender agrees with Clayton Non-QM status.
0631100046	C	C	C	C	CRDDTI105	Debt Ratio Exception 5% or Less	Yes	AUS in file shows loan was qualified with DTI of 35.4. Review calculation shows DTI of 39.48 based on additional of REO debt not used in original qualifying.
0122126215	A	A	A	A	CMPTRID5215	TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.	No	Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
0122126215	A	A	A	A	CMPTRID5293	TRID  Not all required seller-paid fees were disclosed on the CD	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.
0558802088	D	A	D	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing HUD-1 from sale of Investment property at XXX. Per UW commentary on the Rental Income Analysis, the Lease Agreement was used for rental income as the property was purchased on XXX. The HUD-1 from sale of Investment property at XXX is required to verify the purchase date.
0558802088	D	A	D	A	CRDLGL2550	Missing HUD-1 from sale of property	No	Missing HUD-1 from sale of Investment property at XXX. Per UW commentary on the Rental Income Analysis, the Lease Agreement was used for rental income as the property was purchased on XXX. The HUD-1 from sale of Investment property at XXX is required to verify the purchase date.
0483938595
0823896986	B	B	B	B	CMPRESPA2698	RESPA - List of homeowners counseling organizations not in file	No	List of homeowners counseling organizations missing.
0823896986	B	B	B	B	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Affiliate Business Disclosure missing.
0395821304	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of PITI on XXX
0762088184	D	A	D	A	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Missing term and conditions of borrower's ability to withdraw funds from 401K with employer XXX
0727108009
0293437949
0856275986	D	A	D	A	CRDTER2548	Missing AUS or AUS errors present	No	Per deal notes LP approved loans ineligible only approval in file at time of review was FHLMC LP
0139126138	C	A	C	A	CRDTER3122	Loan documents do not meet guideline requirements	No	Missing complete Divorce Decree or written agreement that states the terms of the property transfer and the proposed disposition of the proceeds in the amount of $90,300.00 from the refinance transaction.
0924268465
0433380233
0692837942
0744719764
0814495634
0286307252
0302712902	C	A	C	A	CRDTIL875	Title Does Not Agree With Mortgage	No	Please provide updated title commitment, deed, rider(s) and note under the living trust with said verbiage and signature line for trust. The following are in file and inconsistent.Title commitment is for XXX, Trustee of the XXXDeed Rider: XXXDeed of Trust: XXX, a married person as their sole and separate property; executed by XXX
0302712902	D	A	D	A	PRVAAPPR3116	Missing updated valuation	No	Missing UCD Findings report XML data with CU scorePlease provide XML file-pdf-with CU score
0232744971	D	A	D	A	CRDTIL865	Title incomplete	No	Title commitment provided in file is dated XXX which is greater than 120 days from note date XXX.  Provide updated title commitment for review dated in compliance.
0358926390
0922243163
0737455199
0100600459	A	A	A	A	CMPTRID3658	TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance	No	Corrected on post closed CD dated XXX , Exception Satisfied
0100600459	A	A	A	A	CMPTRID3662	TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance	No	Corrected on post closed CD dated XXX , Exception Satisfied
0250172659
0707729550
0970632063
0275169796
0412261818
0198488711
0090662018
0438399985
0982918867
0907750228
0104243518
0330817229
0646225824	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing HOA document (i.e., booklet, appraisal, periodical statement, etc.) used in review that resulted in monthly expense of $180.00 (non-escrowed) per Final CD dated XXX
0491797903
0617731917
0277873241
0429187388
0749438453	D	A	D	A	CRDAPP130	Application is incomplete	No	The borrower's 1003 does not list or account for the mortgage to XXX in the amount of $244,701. Provide details that prove inclusion in the DTI.
0125728577
0911719968
0438228435	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	1. Missing loan documentation (i.e., updated Final CD and/or Note) confirming the PI totaling $2,685.00 when including Taxes and Insurance for property located at XXX. Missing loan documentation (i.e., loan statement, property taxes, HOI, etc.) confirming the PITIA of $1,722.28 for property located at XXX 3. Missing updated Final CD and/or Note confirming increase of P&I in the amount of $3,305.68 per URLA and 1008. 4. Missing copy of HOI, property tax statement, and HOA statement for property located at XXX.
0699087315
0658005021
0863116234
0747244370	B	B	B	B	CMPTRID3950	TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent	No	Final CD XXX is missing The Additional Information Section (page 5), this is corrected on the XXX PCCD. Exception satisfied
0747244370	B	B	B	B	CMPTRID4350	TRID - CD:  At least one statement or section of the form that is required by the Regulation is not contained on the form	No	Final CD XXX is missing The Additional Information Section (page 5), this is corrected on the XXX PCCD. Exception satisfied
0261690124	C	A	C	A	CRDCRMH2416	Questionable factors on credit report	No	Missing Fraud Alert Cert for Borrower 2.  Fraud alert on Borrower 2 credit however no certification was located in file to verify B2 was contacted as instructed in Fraud Alert notification.
0592639832
0927952463	D	A	D	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	File is missing corrected AUS showing DTI of 46%
0927952463	D	A	D	A	CRDTER2548	Missing AUS or AUS errors present	No	Missing revised AUS reflecting DTI of 46%
0763373522
0312775548
0848208876
0400983943
0619867854	C	A	C	A	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	Provide Depository Asset statements.  Per DU bank statements covering a one month period are required; there are no asset statements in file
0619867854	D	A	D	A	CRDAST2304	Unverified Assets	No	Provide Depository Asset statements.  Per DU bank statements covering a one month period are required; there are no asset statements in file
0948460106
0196158832	D	A	D	A	PRVAPROP132	Missing HOA Certificate/Questionnaire	No	Condo questionnaire not in file validating percentage and type of ownership, date HOA took ownership .
0736718417
0048461458
0954667394
0672744922
0672228067
0695698811
0777373449
0491506662	C	A	C	A	PRVAFEMA4817	Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)	No	Provide a subsequent inspection.  Effective date of XXX and the Effective date is XXX due to XXX
0566748346
0564223982	C	A	C	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Initial CD: XXX APR Stated as 4.463%, Final CD: XXX APR Stated as 4.33%, difference of 0.133% exceeds tolerance of 0.125%.
0179599052
0997270393
0913281625
0182655512
0951154164	C	A	C	A	CRDINC2488	Verbal verification of employment missing	No	File is missing the XXX VOE for primary borrower.
0383693904	C	B	C	B	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	Zero Tolerance Fee of $554.50 due to Appraisal ($60 ), Title Endorsement T-17 ($25), Title Endorsement Fee T-42 ($187.80), Title Endorsement T 42-1 ($281.70) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.
0383693904	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.	No	Need evidence of change of circumstances letter for Ten Percent tolerance,  Recording-mortgage fee increase, or a copy of a refund check in the amount of $47.80.
0409455457
0000760451
0366635468	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification payment of $1,064.00 used to qualify for XXX is full PITI expense as qualified with.  Additionally missing evidence of HOA expense for primary residence of $36.00 used to qualify.
0709474831
0948354289
0434552860
0692763538
0007649344
0854997921
0808499087
0361478088
0281653660
0589645574
0033021267
0625400065
0268962661
0424310566	C	A	C	B	PRVAVALU5249	Property Value Not Supported	No	Desk review received with value of XXX. Value is below tolerance by 34%. Field Review required.
0991799131
0641472392	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing documentation of new PITI for XXX and XXX.  1003 shows $1,530.05 for XXX however statements shows $1,711.76.  1003 shows $1,356.31 for XXX, however statement shows $973.25/month.
0641472392	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	Missing YTD WVOE to support B1 OT Income
0185870070	D	A	D	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	1. Missing HOA statement (See URLAs: $69.19) for properties located at XXX and XXX. 2. Missing property tax statement (See 1008/URLA: $627.66) for property located at XXX
0185870070	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	1. Missing HOA statement (See URLAs: $69.19) for properties located at XXX and XXX. 2. Missing property tax statement (See 1008/URLA: $627.66) for property located at XXX
0896455419
0965593191
0388531249
0117325729
0130231362
0105732455
0765711536
0390412598	C	A	C	A	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	AUS Reserves Requirement; $9,737.10, verified post-close assets; $9,188.71, funds are short.
0934735655	D	A	D	A	CMPDOC869	Mortgage not signed	No	Missing Co-Borrower signature on mortgage: borrower did not execute the Deed of Trust.
0934735655	D	A	D	A	CRDLGL2550	Missing HUD-1 from sale of property	No	Missing evidence of no ownership of XXX  Property detail and Loan safe report reflect the borrower is in B2 name.  No executed CD was located in file to support property sold as indicated on 1003.  Provide satisfactory evidence property is no longer owned by B2 to support exclusion of any expense.
0421484065
0609767074
0424117010
0231877912
0875997430
0162019058
0437123537
0771236177
0654376922
0687680816
0718023678
0365433704
0310613302
0466856056	D	A	D	A	PRVAAPPR275	Completed "Subject To" w/o Completion Cert in File	No	Missing the 442 completion cert for appraisal. "Subject To" due to water heater strapping.
0271862720	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing HOA statement for primary residence and other investment property. The HUD/Closing disclosure shows both properties has HOA fees.
0271862720	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	AUS requires W2 covering the most recent two-years for a second job. The file only has one-year.
0863029571
0655101511	C	A	C	A	CRDAST3036	Assets reflect unsourced deposits	No	Provide a source of funds for large deposit XXX account XXX on 9/8/21 for $127,667.89.
0103225063
0525175315
0672685397	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	FEMA disaster effective XXX. Appraisal date XXX; Note date XXX
0915221629
0763372304
0258469560
0987531306
0086591234	D	A	D	A	CMPDOC225	Missing Rider	No	Missing 1-4 Family Rider.
0086591234	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	for XXX Lender used $747.03/month Taxes and Insurance.  Verified $631.17/month.  Provide documentation of the difference.
0744728035
0641599178	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No inspection since FEMA disaster. Declaration Date: XXX Effective Date: XXX Disaster Name:XXX Note date XXX.
0687828886	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	1. XXX; Missing HOA statement (1008 states $16.66 monthly). 2. XXX; Missing HOA statement (Final CD states $95.00 monthly).
0422348629	B	B	B	B	CMPRESPA2720	RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery.	No	List of homeowner's counseling organizations in file not dated.
0140103783
0049531058
0379849286	A	A	A	A	CMPTRID5293	TRID  Not all required seller-paid fees were disclosed on the CD	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.
0590626586	B	B	B	B	CRDDTI105	Debt Ratio Exception 5% or Less	No	DTI of 33.20 exceeds AUS DTI of 30.17 by 3.03%. DTI exceeds tolerance by .03%, however tolerance is deemed non-material.
0184491359	C	A	C	A	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Primary Borrower XXX expired XXX. Loan closed XXX. Lender to provide copy of license valid prior to closing date.
0107037493	C	A	C	A	CRDINSR5351	Insurance Effective date is greater than the transaction date	No	HOI dec page in file shows effective date of XXX. Disbursement date per CD is XXX. File is missing verification of coverage on or prior to disbursement date.
0794710575
0575093630
0026289338	C	B	C	B	CMPTRID3670	TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation	No	Zero Tolerance Fee of $55.00 due to Deed Prep $55.00 from LE XXX to Final CD XXX  . Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.
0688405471
0852387512
0060688848
0890791505
0521396208
0082402747
0094199639
0392522446	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	VVOE is not dated within 10 days of closing.
0233992178
0106099595
0912204842
0438506385
0345893182
0355558488	C	A	C	A	CMPTRID3676	TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.	No	Need evidence of change of circumstances letter for Ten Percent tolerance,  Recording Fees increase, or a copy of a refund check in the amount of $ 57.60.
0443712949	C	A	C	A	CRDAST205	Insufficient Funds to Close	No	Qualifying assets for closing are from XXX retirement account. No evidence of liquidation of assets located in file to support required funds to close.  Total assets required to close $72,076.78, liquid assets verified $15,436.62, short liquid funds to close $56,640.16.  Need evidence of liquidation from Fidelity to support funds to close.
0856381386	C	A	C	A	CRDRVRFC1803	Debts/Obligations that were not discl at origination revealed through independent re-verification	No	Eight properties shown on 2020 tax rtn were not on 1003 or addressed in fie documentation. No documentation sold, additionally there is LOE in file page 496 where borrower states they have no interest in an additional three properties.XXX
0284701760
0361566465
0674168088
0127923761
0867881207	A	A	A	A	CMPTRID5293	TRID  Not all required seller-paid fees were disclosed on the CD	No	Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.
0993924096
0953504310	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing payment statement coupon for the borrower's primary residence in order to determine if payment on credit report reflects escrows.
0809055353	D	A	D	A	CMPDOC191	Missing Mortgage	No	Missing the Deed of Trust.
0750841857	C	A	C	A	CRDDTI105	Debt Ratio Exception 5% or Less	No	DTI 46.74%:  B1 income $38,312.83.  Primary TI $1721.58 + two 2nd homes PITI $2247.14 + REOs PITI $11641.85 + subject PITI $1482.99 + other debts $815 = $17,908.56 total expenses.  Lender DTI 43.44% based on $16,641.78 total expenses.
0750841857	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of monthly PITI payment $1842 for REO on XXX
0566700968
0837279555
0037853603
0701661193
0025101105	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.	No	$65 zero tolerance due to increase in recording fee from $550 to $670 on LE XXX to CD XXX without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping
0025101105	C	A	C	B	PRVAVALU5249	Property Value Not Supported	No	Desk review received with XXX value and inconclusive risk rating. Field Review required.
0129891920
0546990370
0572160983
0408887673	D	A	D	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Recalculated rental income for the subject property resulted in back-end DTI ratio of 41.81% which exceeds the DU approved DTI of 36.58% by more than 3%.  Recalculated rental income was ($267.54)/month using 2020 Schedule E less PITI of $2,181.71.  Lender used $236.24/month to qualify due to adding back mortgage interest from Schedule E of $9,483, not adding back amortization and using PITI of $2,166.43.  However, mortgage interest reported on Schedule E is $3,483.  A corrected DU approval will be required.
0408887673	C	A	C	A	CRDCRMH1805	Debts/obligations not disclosed/accounted for at origination	No	Lender did not include a debt with XXX#XXX, reported on credit with a payment of $375, in the liabilities.  File is missing documentation supporting the omission of this debt.
0408887673	C	A	C	A	CRDDTI105	Debt Ratio Exception 5% or Less	No	Recalculated rental income for the subject property resulted in back-end DTI ratio of 41.81% which exceeds the DU approved DTI of 36.58% by more than 3%.  Recalculated rental income was ($267.54)/month using 2020 Schedule E less PITI of $2,181.71.  Lender used $236.24/month to qualify due to adding back mortgage interest from Schedule E of $9,483, not adding back amortization and using PITI of $2,166.43.  However, mortgage interest reported on Schedule E is $3,483.  A corrected DU approval will be required.
0642734084
0562618890
0043069274	D	A	D	A	CRDAPP3822	Missing or incomplete documentation related to citizenship/residency	No	B1 is a non perm resident; no Work Visa or other form of proof of citizenship in file.
0224339241
0289065655	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Missing verbal verification of employment for XXX
0891180373
0869128653	C	A	C	A	CMPATRQM2900	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.	No	Zero Tolerance Cure 100 .00 has been provided however, a tolerance issue still remains. Zero Tolerance Fee of $75 due to (Fee name Inspection,).Missing a valid Change of Circumstance, or Post Close CD, LOX and Copy of refund
0869128653	C	B	C	B	CMPTRID3640	TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided	No	Zero Tolerance Cure 100 .00 has been provided however, a tolerance issue still remains.Zero Tolerance Fee of $75 due to (Fee name Inspection,).Missing a valid Change of Circumstance, or Post Close CD, LOX and Copy ofrefund
0423247515	D	A	D	A	CMPATRQM3220	TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.	No	Missing copy of signed balance sheet for XXX Investment covering last quarter.
0423247515	D	A	D	A	CRDAST2354	Asset Verification In File is Incomplete Per Requirements	No	Assets in file dated XXX which falls outside of new covid 19 policy for 60 day assets requirements form note date XXX
0423247515	D	A	D	A	CRDINC3260	Balance Sheet missing for one or more Self Employed borrowers	No	Missing sign balance sheet for XXX Investment covering last quarter.
0423247515	D	A	D	A	CRDTER2548	Missing AUS or AUS errors present	No	1008 reflects loans is AUS approved via DU approved/eligible with case# XXX. Please provide this Aus.
0394508041
0260833803
0064468511
0633931915
0997081155	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.	No	Ten percent tolerance in amount of $4.20 due to increased Recording fee and added title doc prep fee on final CD with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund
0442616315	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing monthly payment information, i.e. note, taxes, hoi and/or first payment letter for recent property purchased at XXX
0168718369
0773363825
0015217157
0393159431
0193010342	C	A	C	A	PRVAAPPR169	Appraisal includes one or more issue(s)	No	Appraisal shows subject property is in a Flood Zone AE; flood cert in file is for zone X, not in a flood zone. Need clarification.
0788203503
0893774882
0019627470
0513443774
0369077661
0916033478
0751800846
0316146764
0013378020
0980481427
0956450785
0109749100
0886436008
0852831405
0468786757
0076932622
0549451434
0305703683
0795424166	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	Missing the pension Award letter for borrower 1.
0393871528
0727778718
0988192581
0951557054
0862400746
0313600462	D	A	D	A	CRDINSR865	Missing proof of flood insurance in File	No	Missing evidence of Flood insurance in effect at time of closing.  Final CD/Note dated XXX  Evidence of flood insurance located in file effective XXX.  Provide evidence of flood insurance in effect as of XXX for review.
0611023241
0743457455
0053021226
0708723087
0862197956
0683462782
0587134328
0814655966
0535467604
0179768441
0542493879
0767908169
0314486183
0354253272
0550240227
0018761711
0355102302	D	A	D	A	CRDAPP130	Application is incomplete	No	The Final 1003 reflects that the subject is a purchase of a primary residence and that borrower is occupying the second home as a primary.  The correct transaction is the purchase of an investor property.  Need a corrected 1003.
0355102302	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Provide a VVOE within stated guidelines.
0705599427
0398678082
0689666715	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Provide a VVOE within the stated guidelines for the borrower.
0347029890
0458293508
0510614162
0238673692
0486328481
0136603008
0112368997
0971494595
0326636420
0543967221	C	A	C	A	CRDINSR289	Insufficient Hazard Insurance Coverage	No	File is missing copy of replacement cost estimator to support coverage of XXX
0981090479
0050398171
0024953152
0572224332
0655437498
0654033664	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	File is missing a W2 from the prior year, or a written VOE that includes 2 year history for borrower 1, as required by DU. wVOE in file only has year to date + 2020 income.
0383894138	C	B	C	B	CMPTRID4056	TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount	No	CD: XXX, Section: Loan Calculations, Field: Total of Payments, $605,313.34 and Total Payments as Calculated per review equals $605,460.47. A difference of $147.13.   Post CD XXX is corrected.
0175871836	B	B	B	B	CRDDTI105	Debt Ratio Exception 5% or Less	No	DTI of 34.14 exceeds AUS DTI of 31 by 3.06%. Excess tolerance of .06% can be deemed as non-material.
0532802456
0539795985
0886692551	D	A	D	A	CRDLGL100	Legal document incorrect or incomplete	No	Missing a legible copy of the subject Lease Agreement, copy in file is illegible.
0077528066
0776817002
0700422107	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	Borrower is missing VVOE dated within 10 business days of Note date
0700422107	B	A	B	A	PRVAFEMA856	Natural Disaster Area, no subsequent inspection (Public)	No	No inspection since FEMA disaster. Declaration Date: XXX Effective Date: XXX Disaster Name: XXX
0469237732
0279074630
0597602764
0585769862
0516241996
0182483168
0578660148	C	A	C	A	CRDINSR3028	Flood Certificate has incorrect or incomplete data	No	Flood Certificate has incorrect or appraisal is incorrect. Flood certificate shows flood zone X; however  appraisal shows flood zone AH.
0397859734
0495435543	C	A	C	A	CRDTIL875	Title Does Not Agree With Mortgage	No	Title Commitment states vesting is in XXX and XXX; however, the Mortgage was executed solely by XXX. Need final title.
0247298997
0378085401
0649985515
0306950878
0227343772	D	A	D	A	CRDTER146	Missing lender's loan approval/underwriting form	No	Missing underwriter 1008 approval form
0227343772	C	A	C	A	PRVAAPPR239	Reduced appraisal form does not meet guidelines	No	Missing appraisal form 1007 for fair market rental income.
0294934064
0269335847
0084180641	D	A	D	A	CRDLGL100	Legal document incorrect or incomplete	No	Missing Schedule E or lease for property at XXX and missing lease for the subject property.
0060800852
0917256174
0428785772	B	A	B	A	CRDDTI105	Debt Ratio Exception 5% or Less	No	Original DTI exceeds AUS value
0428785772	C	A	C	A	CRDINC888	Income Amount is  Unsupported by Documentation in File	No	B2 income was not supported with WVOE in file. $99.99/hour x 50 hours per pay period x 52 / 12 = $21,664.50/month per WVOE in file, income not supported. Lender qualified B2 at $33,871.01/month.
0428785772	D	A	D	A	CRDLGL4033	Missing Legal Document(s)	No	Missing Lease for property located at XXX. This property was not located on the 2020 Schedule E but was listed in the REO section of 1003 with monthly rental amount used of $2,300/month. No lease in file to support rental income used by lender.
0191619427
0228153100
0091543427
0359368667
0883208966
0202917913
0965338091
0978307325
0233659091
0041794511
0803959459
0568584608
0659835600
0254084698
0680656432
0432864946
0339795039	C	A	C	A	PRVAFEMA858	Natural Disaster Area, no subsequent inspection  (Individual & Public)	No	No subsequent inspection after FEMA disaster declaration date of XXX for XXX
0232780458
0179558755	D	A	D	A	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Provide Final CD for the sale of XXX with $XXX in proceeds
0917481264
0623270433
0790024232	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Missing verification of non-subject PITIA- No documentation provide to support PITIA for non-subject investment property.
0688088406
0250112015
0386434481
0983762324	B	B	B	B	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Borrower VVOE dated XXX greater than note date of XXX
0925619358
0732648036	C	A	C	A	CRDAST3078	Insufficient # of months cash reserves for PITI per guideline requirements	No	Per Du required assets to be verified is $395,596.00. Per final 1003 says checking account  ending in XXX has $510,046.74. File has VOD which refers to XXX but doesn't list dollar amount. Provide documentation to satisfy requirement.
0129236503
0526762569
0799510728
0124435137
0447665250
0819472121
0561344210
0636864926	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Borrower refinanced all investment properties at the same time. New loans were used for qualifying. Missing new PITI documentation for XXX, XXX, and XXX
0660340844	C	A	C	A	CRDDTI105	Debt Ratio Exception 5% or Less	No	Review DTI back end calculation is 36.27% which exceeds the lender DTI calculation of 33.04 by 3.23% which exceeds the 3% maximum allowed increased variance. Difference is review calculated the rental income from 2 investment properties at $232.17/month, lender used $891/month rental income. Review used 2020 Schedule E for calculation.
0261257494
0754839285
0498996672	C	A	C	A	CRDCRMH1805	Debts/obligations not disclosed/accounted for at origination	No	File is missing verification prior mortgages with XXX on additional properties owned located at XXX and XXX have been paid off with new mortgages with XXX as indicated on the final 1003.
0785810385	B	B	B	B	CMPRESPA2700	RESPA - List of homeowners counseling organizations not provided w/in 3 days of application	No	Initial Application is dated XXX and the Homeowners Counseling list was not provided until XXX.
0785810385	B	B	B	B	CMPRESPA863	RESPA: Required Affiliate Business Disclosure missing	No	Affiliate Business Disclosure missing.
0785810385	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide monthly taxes for XXX
0785810385	C	A	C	A	CRDINC2496	Verbal verification of employment completed outside the stated requirements and/or after closing/funding	No	Provide VOE for XXX dated within 120 calendar days prior to the Note date. VVOE in file dated outside guideline requirement.
0098625785	B	A	B	A	CRDCRMH124	Collections, Liens, etc. not paid as required by guidelines	No	Missing evidence the Collection Account from XXX of $45,353 has been paid.
0098625785	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide PITI documentation for XXX
0796097917
0477262538
0739633317	D	A	D	A	CMPMAN2956	Missing disclosure	No	COC dated XXX found in file (loan amount increase  by borrower). Missing a corresponding LE disclosed to borrower within 3 days of COC with loan changes.COC dated XXX found in file (settlement fee update). Missing a corresponding LE disclosed to borrower within 3 days of COC with loan changes
0739633317	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.	No	$54.10 Ten percent tolerance due to increase in Recording fee. without valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping.
0184454758	D	A	D	A	CRDINC2408	Income verification does not meet guidelines	No	File is missing 2019 W2 and personal (1040) and business (1120S) tax returns.  LP requires tax returns for the most recent two years for XXX borrower when business has been in existence for less than 5 years.  2020 W2 and tax returns only were provided in the file.
0667804043
0675363085
0515806374	C	A	C	A	CRDINC2488	Verbal verification of employment missing	No	Missing pre-close VVOE for Borrower and Co-Borrower Note date: XXX
0515806374	D	A	D	A	CRDINC3204	Income Documentation Missing	No	Missing 2020 W-2 for Borrower.
0442895671
0958107597
0090454285
0351699929	C	C	C	C	CMPTRID3966	TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected	Yes	The escrow account section of the Loan disclosures on the final CD XXX does not have a selected box for why the account does not have an escrow.
0351699929	D	A	D	A	CRDTER2548	Missing AUS or AUS errors present	No	Loan has AUS approval however missing AUS pages. Only page 1 has been provided.
0309455657
0467251553
0482170093
0167771153
0577264814
0603265183
0966807923
0366435929
0681411787
0468951600
0716412069
0854975823
0069594413	D	A	D	A	CRDAST2670	Asset documentation is insufficient per guideline requirements	No	Loan was submitted with XXX #XXX $66,138.82; XXXX #XXX $18,350.84 and XXX #XXX $21,371.06.  Provide most current one month bank statement.  $10,232.76 is the required reserves
0069594413	D	A	D	A	CRDDTI2540	Missing verification of some or all components of non-subject PITI	No	Provide PITI documentation for XXX property.
0069594413	C	A	C	A	CRDINC2488	Verbal verification of employment missing	No	Missing VVOE's. Provide VVOE for both Borrowers within 10 business days of Note date.
0069594413	D	A	D	A	CRDINC2302	Missing Required Income Documentation	No	Provide XXX Report dated XXX verifying income for both Borrowers
0731837280
0519535437
0783350326

Alt Loan Number	Client/Seller Response Comments	Conclusion Comments	TRID Error Type	Cure Method	Compensating Factors
0768573298					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 11 years 10 months at primary residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reports 70 mos. 0x30. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Written VOE's for both borrowers reflect bonus earnings not used to qualify.
0319666688	10/01/201: Agree: Consummation CD issued XXX Loan Disclosures section on page 4 will not have an escrow account because boxes are not checked. Updated Post Close CD to show either because you declined it or because your lender does not offer one box being checked required to remedy.	10/05/2021: PCCD not received yet. Exception stands.	Non-Numeric	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 22 year 8 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 90%. Calculated LTV 56.73%
0731285047	03/23/22: Lender provided copy of subordination agreement showing subject loan in first position	03/23/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years of significant time at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines by 10 points are more .
0285148298	01/27/22: Lender agrees with Clayton Non-QM status	01/27/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.
0285148298	01/27/22: Client confirms no new docs to be provided. Requested QM status	01/27/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.
0285148298	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.
0285148298	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.
0285148298	12/13/2021 - Client provided response 'Agree DTI should be 41.30% as full PITI of $1488mo wasn't used for 2nd home. Loan still salable as the max DTI allowed is 45%.'	12/13/2021 - Exception remains.	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.
0285148298	12/29/21 PDI received.	12/29/21 exception satisfied.	(No Data)	Not Applicable	CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  B1 10 years employed in the XXX line of work.
0677149254					CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is below 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has low utilization and a excellent 0X30 mortgage history.
0022327652					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned their primary residence for 36 years 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Loan has low back-end DTI ratio of 15.81%.
0448199324	03/24/22: PDI received with no damage.	03/24/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 3 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for over 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 721 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.
0979702697					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 19.60 is below max of 50 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 25.56 is below guideline max of 90 CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower residual income is in excess of 5k monthly
0084674715	03/15/22: Verification of non-subject PITI for property located at XXX in the amount of $1098.77 for new XXX. Closing Disclosure and XXX Details page.03/15/22: Lender provided copy of CD to show REO PITI	03/15/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned the subject property for 18 years 9 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Subject loan has a low LTV of 24.69%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a qualifying credit score of 785. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a low back-end DTI ratio of 20.66%.
0682513591					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below 43% CFCFS2860: Good credit history - Clayton Comments:  Borrowers have low utilization. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below 75%
0631100046	01/27/22: Lender agrees with Clayton Non-QM status	01/27/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.
0631100046	01/27/22: Client confirms no new docs to be provided. Requested QM status	01/27/22: Exception satified	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.
0631100046	(No Data)	(No Data)	Not Applicable	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.
0631100046	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for 14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max guideline LTV 80%. Calculated LTV 74%.
0122126215	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 44 mos. 0x30 and 18 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  LP required reserves $13,533.46. Months PITI Reserves (Qual Rate) 20.43, Cash Reserves $34,149.51. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have tradelines dating back to 7/1990. No late pays or derogatory credit reported. Low credit line usage. Mid qualifying score B1 803 and B2 800.
0122126215	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 44 mos. 0x30 and 18 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  LP required reserves $13,533.46. Months PITI Reserves (Qual Rate) 20.43, Cash Reserves $34,149.51. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have tradelines dating back to 7/1990. No late pays or derogatory credit reported. Low credit line usage. Mid qualifying score B1 803 and B2 800.
0558802088	02/23/22: See attached XXX report to validate purchase date of XXX 02/23/22: Lender provided copy of XXX showing purchase date	02/23/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 746, minimum for program is 620 CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 5 years in occupation.
0558802088	02/23/22: See attached XXX report to validate purchase date of XXX02/23/22: Lender provided copy of XXX showing purchase date	02/23/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 746, minimum for program is 620 CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 5 years in occupation.
0483938595					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 9 years and 1 month. CFCFS1739: Postive mortgage payment history - Clayton Comments:  44 months mortgage history with no late pays. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Housing payment lowered from $7,191 to $5,299.22. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets $647,333.50.  Per DU $177,251 assets required.
0823896986	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has significant time at current job of 11 years CFCFS2860: Good credit history - Clayton Comments:  Good credit history zero delinquencies.
0823896986	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has significant time at current job of 11 years CFCFS2860: Good credit history - Clayton Comments:  Good credit history zero delinquencies.
0395821304	03/15/22: $178 payment is P&I, see 1040 for annual taxes of $670 and insurance of $63303/15/22: Lender provided statement of P&I and reference 1003 for PITI. Verification of REO PITI must be provided by 3rd party documentation. Lender to provide copy of mtg stmt showing escrow or PITI documentation.03/16/22: See attached documentation03/16/22: Lender provided copies of SCH E, Property report to verify PITI	03/15/22: Exception remains03/16/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession 36 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned present residence for 27 years and 1 month. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employer for 7 years and 11 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets $407,681.82.  Cash to close $386,635.28.  Post closing cash reserves $21,046.54/8.57 months reserves.  Per LP, $15,098.66 monts required reserves. CFCFS1739: Postive mortgage payment history - Clayton Comments:  82 months mortgage history with no late pays.
0762088184	3/14/22 - Client response 'See attached summary plan description' 401K profit sharing agreement provided with withdraw terms.	3/14/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $91,401.18 (post-close, fully verified). AUS Reserve Requirement; $42,933.77 (post-close assets exceed investor requirement). CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has nine years in current profession.
0727108009					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 769, minimum for program is 640. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has over 5 years in occupation. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69%, Max allowable is 90.
0293437949					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 756, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 17 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  Credit line usage ratio of 6.89%
0856275986	03/09/22: see attached accept/eligible LPA03/09/22: Lender provided copy of eligible LP	03/09/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years 4 mos in current position CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  620 required B1 783 CFCFS2860: Good credit history - Clayton Comments:  No delinquent accounts flawless mortgage payment history
0139126138	02/23/22: See attached signed settlement agreement02/23/22: Lender provided copy of signed agreement from both parties verifying terms of divorce	02/23/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 769, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 9 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0924268465					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceeded over $100000.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 B1 799 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Max 43 B1 38
0433380233					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 7 years in current position CFCFS1736: Significant time at current residence - Clayton Comments:  B1 22 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 B1 799 B2 786
0692837942					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.59 below guideline requirement of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 802 exceeds guidelines of 620
0744719764					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 43.30% which is below the maximum allowable of 45%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 18 years 10 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years 6 months at current job supported by VVOE in file dated XXX. CFCFS2854: Significant time in profession - Clayton Comments:  B2 - 12.5 years in Consumer Products.
0814495634					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37 is below guide max of 43 CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower residual income exceeds 5k monthly CFCFS2860: Good credit history - Clayton Comments:  Borrower FICO is 744 with positive payment history.
0286307252					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.89% below guideline requirement of 50% CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 20 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines on all 4 properties, no delinquencies
0302712902	02/28/22: See attached documents that were done at closing to change ownership of property.02/28//: Lender provided copy of documentation to verify vesting	02/28/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of 7.96 months prior to cash/out Cash/out funds of $430,782.32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 705 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 40%
0302712902	02/28/22: See attached XXX appraisal findings.02/28/22: Lender provided copies of UCDP	02/28/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of 7.96 months prior to cash/out Cash/out funds of $430,782.32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 705 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 40%
0232744971	3/7/22 - Client provided a Commit title with XXX date. Note date XXX. Stale dated Title provided. 03/09/22: See attached Title Commitment.03/09/22: Lender provided current title report	3/7/22 - Exception remains. 03/09/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 26 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years same line of work. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 29 mos. 0x30, 15 mos. 0x30, 3 mos. 0x30, 11 mos. 0x30, 41 mos. 0x30, 29 mos. 0x30, 29 mos. 0x30, 75 mos. 0x30, 84 mos. 0x30 and 84 mos. 0x30.
0358926390					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 37.97% and guidelines allow the LTV to be 80% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B: The Bonus income was Not used to qualify for the mortgage, but the Bonus income was calculated using the amount reflected on the most recent pay stub: $10,000.00 + $4,561.39 2020 [$140,058.57 2020 W-2 income - $135,497.18 base income based on the biweekly base pay amount] = $14,561.39/24 months = $606.72. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower documented $100,344.79 in available retirement assets - $6,446.58 required reserves per the LP Findings = $93,898.21 remaining assets/$1,074.43 PITI = 87.39 additional months reserves.
0922243163					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 21 years 9 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $379,259.41 is $291,763.69 greater than the $87,495.72 reserves required for the program.
0737455199					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min 620 B1 773 B2 764 CFCFS2860: Good credit history - Clayton Comments:  No derog credit CFCFS1739: Postive mortgage payment history - Clayton Comments:  Multiple inv properties with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  12 years employed in XXX
0100600459	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have excellent credit history 0 X 30 on all accounts. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV 75% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has good income on job over 5 years.
0100600459	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  The borrowers have excellent credit history 0 X 30 on all accounts. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV 75% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has good income on job over 5 years.
0250172659					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.8 is below guide max of 43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below max of 90 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 32 months of liquid reserves
0707729550					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 762, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in occupation. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years at current residence.
0970632063					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 757, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 28 years in occupation.
0275169796					CFCFS2854: Significant time in profession - Clayton Comments:  20 years in XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 5 years in occupation with 20 years in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 747 used, minimum for program is 620 CFCFS1736: Significant time at current residence - Clayton Comments:  12 years at current residence.
0412261818					CFCFS2854: Significant time in profession - Clayton Comments:  B1 - 20 years in XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 B1 777 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Max 43 B1 37 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  5 years mortgage payments  no late payments
0198488711					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 742, minimum for program is 640. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70.88%, Max allowable 90. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in occupation.
0090662018					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 788, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  Credit line usage ratio of 15.17% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in occupation.
0438399985					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 739, minimum for program is 640 CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 20 years in occupation. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $337,587 ; per guidelines reserves of $163,522.77 required.
0982918867					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned present residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 8 years and 2 months. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Housing payment reduced from $1,463.16 to $1,235.57. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets $32,642.28.  Per DU, required reserves $23,844.
0907750228					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with the current employer for 16 years and 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been a XXX for 22 years CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2: Documented XXX income via Schedule C of the 2020 & 2019 tax returns; however, this income was not used to qualify for the mortgage.
0104243518					CFCFS1736: Significant time at current residence - Clayton Comments:  17 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 21 years in occupation. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75%, Max allowable is 90.
0330817229					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 13 years in current position CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  620 required B1 has 788 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Multiple properties no derogatory credit.
0646225824	03/15/22: See attached CD which is required to give an accurate figure of HOA.  DTI is low, this is a non-material issue03/15/22: Lender provided copy of CD to show HOA	03/15/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $91,630.30-$55,170.30=$36,460.10. AUS Reserves Requirement: $9,750.13 (post-close assets exceeds investor requirement). CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has twenty-five years in current profession.
0491797903					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 741 minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  13 years at current residence. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0617731917					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying credit score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  99 months of 0x30 consumer credit history. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 20 years in the XXX field.
0277873241					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 14 years in current job. CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history.
0429187388					CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 798, minimum for program is 640 CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 13 years in occupation. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70%, Max allowable is 90.
0749438453	03/22/22: See attached documentation for XXX  payment and inclusion in DTI03/22/22: Lender provided documentation to verify inclusion of XXX mtg. Also provided copy of DU showing negative rental income for REO debt.	03/22/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $692,213.53 for 365.14 months.  DU Required reserves of $19,267.96. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 45 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 8 years for B2 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 75% below guideline requirements of 85%
0125728577					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.64% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 763 exceeds guideline minimum score.
0911719968					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  16 years in current position CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Required 620 B1 788 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max 85 subject ltv 78.69
0438228435	02/25/22: 1. see credit report for payment and attached documentation for HOI and property tax 2. see credit report for payment and schedule E for taxes/insurance 3. see attached CD which shows a lower payment on the recently refinanced primary residence 4. see schedule E for HOI, property tax and HOA dues02/25/22: Lender provided documentation needed to verify REO property	02/25/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has over twenty-one years in current profession. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has ten years residing in primary residence.
0699087315					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  22.41 Months PITI reserves exceeds minimum 8 months required per guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 50.84% is below required maximum 75% CFCFS1739: Postive mortgage payment history - Clayton Comments:  - 11.25 years 0x30 mortgage reporting
0658005021					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Max 43% Borrs 32% CFCFS2860: Good credit history - Clayton Comments:  No derog credit/lates CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 over 7years in current position.
0863116234					CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has sixteen years in current profession. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report dated XXX, borrowers do not have any major mortgage related occurrences during the past two years.
0747244370	(No Data)	(No Data)	Non-Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 755, minimum for program is 640 CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 20 years in profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 5 years at current residence.
0747244370	(No Data)	(No Data)	Hybrid	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 755, minimum for program is 640 CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 20 years in profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 5 years at current residence.
0261690124	3/18/22 - Client provided a XXX Alert for B2 signed and dated XXX.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 2 has 11 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  DU required reserves of $9,721.13. Months PITI Reserves (Qual Rate) 19.45, Cash Reserves $33,932.28. CFCFS1739: Postive mortgage payment history - Clayton Comments:  B1 mortgage history reports 15 mos. 0x30.  B2 mortgage history reports 3 mos. 0x30 with prior mortgage reporting 99 mos. 0x30.
0592639832					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 25.38% which is below the maximum allowable of 45%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, longest trade line is 259 months and has 5 open trade lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years 2 months at current residence.
0927952463	3/14/2022 - Client provided a final LP AUS with 46% back debt DTI ratio.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has occupied the primary residence for 25 years 5 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower documented $665,613.31 in available liquid, investment, and retirement assets and no funds were required to close as the CD reflects the borrower received $287,464.81 cash in hand at closing - $179,851.38 required reserves per the LP Findings = $486,761.93 remaining assets/$5,445.70  [$2,972.75 PITI subject + $2,472.95 PITI primary] = $89.38 months reserves for both properties owned by the borrower. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 715 and guidelines allow a credit score of 680
0927952463	3/14/2022 - Client provided a final LP AUS with 46% back debt DTI ratio.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has occupied the primary residence for 25 years 5 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower documented $665,613.31 in available liquid, investment, and retirement assets and no funds were required to close as the CD reflects the borrower received $287,464.81 cash in hand at closing - $179,851.38 required reserves per the LP Findings = $486,761.93 remaining assets/$5,445.70  [$2,972.75 PITI subject + $2,472.95 PITI primary] = $89.38 months reserves for both properties owned by the borrower. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 715 and guidelines allow a credit score of 680
0763373522					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 42.78% which is below the maximum allowable of 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years 6 months at current job supported by VVOE in file dated XXX. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has two open mortgages being reported on the credit report with no late payments.
0312775548					CFCFS2854: Significant time in profession - Clayton Comments:  6 years employed in the XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 mid score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  1180 months of reserves.
0848208876					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed as a XXX for 4 + years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.85% below guideline max 43%. CFCFS2854: Significant time in profession - Clayton Comments:  4 years in XXX.
0400983943					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and lived at primary residence for the past 5.9 + years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers Cash Reserves: $604,461.39 are greater than  Reserves required $33,765.01 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower's mortgage history for all property owned has been 0 x 30.
0619867854	3/18/22 - Client provided a 9/15/21 XXX Bank statement with sufficient assets/reserves.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 10 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 10 years 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 68.31% below maximum guideline requirements of 85%
0619867854	3/18/22 - Client provided a 9/15/21 XXX Bank statement with sufficient assets/reserves.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 10 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 10 years 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 68.31% below maximum guideline requirements of 85%
0948460106					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 18 years and 8 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been at current profession for 18 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 13 years and 7 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 800 exceeds required credit score per guideline
0196158832	3/10/22 - Client provided a complete Condo Questionnaire dated XXX answering all questions.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 borr has 698 CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Flawless mortgage payment history
0736718417					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 6 years 0 months at current job CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in the same profession 17 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  18 months 0x30 mortgage reporting
0048461458					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  24.18  Months PITI reserves exceeds minimum 7 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 10 years at current job CFCFS1739: Postive mortgage payment history - Clayton Comments:  12.5  years 0x30 mortgage reporting
0954667394					CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7 years in occupation.
0672744922					CFCFS2854: Significant time in profession - Clayton Comments:  Both co-borrowers have over ten years in respective professions per URLAs provided. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $69,639.67-$54,525.44=$15,114.23, AUS Reserves Requirement; $9,525.32 (post close assets exceeds investor requirement).
0672228067					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower documented $230,499.91 in available liquid assets - $159,639.55 for funds to close = $70,860.36 - $22,583.14 required reserves per the LP Findings =  $48,277.22 remaining assets CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 795 and guidelines allow a credit score of 620 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been with the current employer for 5 years 3 months.
0695698811					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.12% below guideline maximum requirement of 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $382,427.26 or 247.86 months PITI exceed guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 13 years
0777373449					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 18 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 48.78% is below required LTV per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 813 exceeds required credit score per guideline.
0491506662	03/24/22: PDI received with no damage.	03/24/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.70 is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 768 exceeds guideline minimum score. CFCFS2860: Good credit history - Clayton Comments:  No derogatory accounts CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below guideline maximum LTV. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No late mortgage payments
0566748346					CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been at current job for 18 years. CFCFS1736: Significant time at current residence - Clayton Comments:  B1 has owned primary residence for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 787 exceeds guidelines
0564223982	02/28/22: Disagree: Fees changed from the Initial CD issued XXX to the Final CD issued XXX, which caused the APR to decrease. Per Consumer Financial Protection Bureau guidance, a decrease in APR will NOT require a new three day CD review if it is based on changes to interest rate or other fees.02/28/22: Lender provide copy of XXX guidance stating decrease would not result in re-disclosure.	02/28/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 20 years as a XXX CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  32.5 years at XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  752 mid score used to qualify per CBR.
0179599052					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 752, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total available assets $61,038.61, required $49,046.65.
0997270393					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 257 months of liquid asset reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 42.84 is below guideline max of 80 CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower's residual income monthly is approx. 12K
0913281625					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 736, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in occupation. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.
0182655512					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 679 exceeds guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX at current job for 13 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned current primary residence for 13 years.
0951154164	03/01/22: File contained a XXX that meets agency policysee attached documentation.03/01/22: Lender provided copy XXX	03/01/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with current employer 4 years and 5 months, minimal required is 2 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower credit scores are 795 and 780. Minimal required is a 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI at 36%, minimal required is 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 qualifying credit score per CBR
0383693904	3/15/22 - See attached refund check in the amount of $602.30, corrected PC CD, LOX and proof of mailing.3.15.22 - Still missing evidence of delivery.03.18.2022 - See attached proof of mailing	3.15.22  -Exception remains03.18.2022 - Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93.44 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 13 years at current job CFCFS1739: Postive mortgage payment history - Clayton Comments:  5.2 years 0x30 mortgage reporting
0383693904	3.18.2022 - See attached proof of mailing	3.18.2022 - Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93.44 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 13 years at current job CFCFS1739: Postive mortgage payment history - Clayton Comments:  5.2 years 0x30 mortgage reporting
0409455457					CFCFS1736: Significant time at current residence - Clayton Comments:  27.8 years living at current primary residence. CFCFS2854: Significant time in profession - Clayton Comments:  25 years in the XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years employed at XXX
0000760451					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  96.57  Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 21.20 is below required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 10 years at current job
0366635468	3/18/22 - Client provided proof of monthly HOA for XXX along with PITI breakdown and rental agreement.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 15 years in same line of work. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  LP required reserves $14,680.48. Months PITI Reserves (Qual Rate) 18.41, Cash Reserves $23,877.00. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has bonus earnings not used to qualify.
0709474831					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $298,878.59 or 210.14mos reserves documented CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0 X 30 X 172mos (loan being paid off) CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower is not using rental income to qualify. CFCFS2860: Good credit history - Clayton Comments:  Credit usage 29.17%
0948354289					CFCFS1736: Significant time at current residence - Clayton Comments:  8 years living at primary residence. CFCFS2854: Significant time in profession - Clayton Comments:  13 years in XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years employed at XXX
0434552860					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $168,750.89 (post-close, verified), AUS Reserves Requirement: $10,934.68 (post-close assets exceed investor requirement). CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has over twelve years working in current profession. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  783 mid-score per CBR. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 mid-score per CBR.
0692763538					CFCFS2854: Significant time in profession - Clayton Comments:  30 years as a XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 mid-score per CBR for B1. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1736: Significant time at current residence - Clayton Comments:  11.8 years residing at current primary residence.
0007649344					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 728, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  12 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in occupation.
0854997921					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below max of 90 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 18.42 is below max of 50 CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower residual income exceeds 30k plus monthly.
0808499087					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $253,357-$93,707(cash to close) = $159,649.19, AUS Reserves Requirement; $23,249.76 (post-close assets exceed investor requirement). CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has twenty-five years in current profession.
0361478088					CFCFS2860: Good credit history - Clayton Comments:  Borrower has 194 months of credit history with 0 X 30 lates. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 24 months of mortgage history with 0 x 30 lates CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $259,221.05 in excess of the assets and reserves requirement. CFCFS2854: Significant time in profession - Clayton Comments:  25 years in XXX CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 qualifying credit score.
0281653660					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.48% is below required DTI per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 782 exceeds required credit score per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 8 years.
0589645574					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $151,567.31 is $89,965.41 greater than the $61,601.90 reserves required for the program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  99 months of 0x30 consumer credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  795 mid-score per CBR.
0033021267					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 41.68% which is below maximum allowable of 45%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 2 open mortgage accounts being reported on the Credit report with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in her line of work.
0625400065					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  792 qualifying credit score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history. CFCFS2854: Significant time in profession - Clayton Comments:  The borrowers have over twenty years in respective professions. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: $140,815.18-$94,784.03=$46,031.15, AUS Reserve Requirement: $14,476.85 (post close assets exceed investor requirement).
0268962661					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.00% is below required maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  23.30 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1739: Postive mortgage payment history - Clayton Comments:  1.25 years 0x30 mortgage reporting
0424310566	03/24/22: Field review received with value of XXX. Value provided is below 10% tolerance.03/25/22: Upon further review, the field review provided supports value	03/24/22: Exception remains03/25/22: Exception satisfied	Not Applicable	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 771, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0991799131					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $320,965.74 for 178.92 months.  Required reserves are $71.240.43. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 16 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 35.15% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 58 months exceeds guidelines of 12 months.
0641472392	3/21/22 - Client provided a final CD's for properties at XXX and XXX showing escrows.	3/21/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 769 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 35 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 58 % CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 12,886 Verified as 11.57 months PITIA $ 10,973 Reserves Required PER AUS
0641472392	3/7/22 - Client provided a VVOE dated XXX. No income provided. 3/21/22 - Client provided a WVOE for B1 with income and 24 months history supporting OT.	3/7/22 - Exception remains. 3/22/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 769 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 35 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 58 % CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 12,886 Verified as 11.57 months PITIA $ 10,973 Reserves Required PER AUS
0185870070	03/02/22: See attached documentation03/02/22: Lender provided HOA and tax information for REO properties	03/02/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has fifteen years in current profession. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower have ten years residing in current residence.
0185870070	03/02/22: See attached documentation03/02/22: Lender provided HOA and tax information for REO properties	03/02/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has fifteen years in current profession. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower have ten years residing in current residence.
0896455419					CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Previous mortgage history with XXX 0x30 18 months reviewed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 732
0965593191					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 701, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  13 years at current residence. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0388531249					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years same line of work. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 3 mos. 0x30, 13 mos. 0x30, 13 mos. 0x30, 36 mos. 0x30, 85 mos. 0x30, 84 mos. 0x30 and 36 mos. 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 70.00% below program maximum 85.00%.
0117325729					CFCFS1736: Significant time at current residence - Clayton Comments:  24 years living at primary residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 mid-score per CBR
0130231362					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  814 qualifying credit score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  77.10 Months PITI reserves exceeds minimum10 months required per guidelines CFCFS1739: Postive mortgage payment history - Clayton Comments:  - 13.6 years 0x30 mortgage reporting CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 14 years at current job
0105732455					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX for 5 + years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 741 exceeds guidelines
0765711536					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 5 years 9 months CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 7 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history over 129 months reviewed zero delinquencies over 4 mortgages.
0390412598	03/15/22: See attached XXX Statement03/15/22: Lender provided verification of assets to meet reserve requirements	03/15/22: Exception satisfied	(No Data)	Not Applicable	CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report dated XXX borrowers do not have any major mortgage related occurrences during the past two years. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has five years in current profession.
0934735655	3/14/22 - Client response 'See attached document.  2nd borrower is a co-signer, so on loan, but not mortgage.' Client provided a Notice to Co-signer signed by co-borrower XXX.	3/14/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 8 years 9 months same line of work.  B2 has 34 years same line of work. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 14 mos. 0x30 and 59 mos. 0x30. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 23 years 11 months at current job.
0934735655	03/15/22: See attached loan statement showing that borrowers are not obligated03/15/22: Lender provided copy of Mtg Stmt showing no ownership	03/15/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 8 years 9 months same line of work.  B2 has 34 years same line of work. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 14 mos. 0x30 and 59 mos. 0x30. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 23 years 11 months at current job.
0421484065					CFCFS2860: Good credit history - Clayton Comments:  Credit Score 814, minimum for program is 640. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  No delinquencies over the life of the credit file CFCFS1736: Significant time at current residence - Clayton Comments:  7 years at current residence.
0609767074					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 722 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers XXX income is not being used to qualify. CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit reflected. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.
0424117010					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 807 CFCFS1737: LTV below guideline requirements - Clayton Comments:  39% < 90% CFCFS2860: Good credit history - Clayton Comments:  1.76% credit usage excluding mortgages.
0231877912					CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Co-Borower has 99 months of reviewed mortgage history and 24 months required. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower XXX 11 years, minimal required is 2 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 28% max required is 50%
0875997430					CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has ten years in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $87,940.83 (post-close assets, fully-verified). AUS Reserves Requirement; $14,420.40 (funds verified, assets exceed investor requirement).
0162019058					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 774 exceeds guideline minimum score. CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower owns 2 other properties with no mortgage. CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history.
0437123537					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  269.15 Months PITI reserves exceeds minimum 6  months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 7 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 16.28% is below required maximum of 43%
0771236177					CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 765, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  25 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 33 years in occupation.
0654376922					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $152,392.77 available in reserves; $9,176.04 in reserves required by LP.
0687680816					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 credit score CFCFS2860: Good credit history - Clayton Comments:  0X30X24 on all mortgage debt and derogatory payments reflected. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years 19 months at closing.
0718023678					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 768 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 42 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 681,462 Verified as 156.88 months PITIA $ 26,062 Reserves Required PER AUS
0365433704					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $21,017.78 in reserves or 11.50 months of P&I sufficient for required reserves of $14,480.10 CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30 for all mortgages reflected on the credit report CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory credit reflected.
0310613302					CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 789 exceeds guidelines minimum credit score of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $68,202.84 or 15.77 months PITI exceed guidelines
0466856056	03/15/22: See attached appraisal pages showing water heater is double strapped.03/15/22: Lender provided copy of appraisal showing water heater strapped	03/15/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  5.5 years living at primary residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years employed at XXX CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  73 months of 0x30 consumer history.
0271862720	03/01/22: See attached documentation for HOA dues03/01/22: Lender provided docs to verify HOA for Primary and REO	03/01/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with 2nd employer 5 years, and 2 years required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report show borrower previous mortgage 47 months of 0X30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 702.
0271862720	03/01/22: See attached transcripts for 202003/01/22: Lender provided copy of 2020 W2 Wage transcript showing 2nd employer	03/01/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with 2nd employer 5 years, and 2 years required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report show borrower previous mortgage 47 months of 0X30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 702.
0863029571					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  20 years in current position CFCFS1739: Postive mortgage payment history - Clayton Comments:  Multiple Investment properties owned no derogatory or delinquent mortgage payments CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  620 required borrower has 684
0655101511	03/02/22: See attached settlement statement as the funds came from a refi of another property03/02/22: Lender provided copy of settlement statement sourcing deposit amount	03/02/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 30.67% is below required maximum of 43% CFCFS1739: Postive mortgage payment history - Clayton Comments:  2.4  years 0x30 mortgage reporting CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 4 years at current job
0103225063					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  14 years in current position CFCFS2860: Good credit history - Clayton Comments:  No delinquent credit CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 b1 787 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history.
0525175315					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  166.18 Months PITI reserves exceeds minimum 10 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 10 years at current job CFCFS1739: Postive mortgage payment history - Clayton Comments:  4.8 years 0x30 mortgage reporting
0672685397	03/30/22: PDI received showing no damage	03/30/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 30.0% is below required maximum of 43% CFCFS1739: Postive mortgage payment history - Clayton Comments:  -  4.1 years 0x30 mortgage reporting CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  42.04 Months PITI reserves exceeds minimum 9 months required per guidelines
0915221629					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 709 exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 588 months PITI exceed guidelines
0763372304					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 779, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 17 years in occupation.
0258469560					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 791 exceeds guideline minimum score. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.51%, max for program is 43%
0987531306					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 701, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  16 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 19 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0086591234	3/10/22 - Client provided a valid 1-4 family Rider for Mortgage dated XXX	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves$587,807.04 or 369.66 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 99 months of 0x30 on previous mortgages
0086591234	3/10/22 - Client provided a tax bill for XXX showing taxes of $1,403.36/year. Also provided a Hazard policy for XXX showing $3,351/year. Monthly figure would be $396.20/month for both.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves$587,807.04 or 369.66 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 99 months of 0x30 on previous mortgages
0744728035					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 B1 775 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Over 24 months no late mortgage payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  18 years in same business
0641599178	03/24/22: PDI received with no damage.	03/24/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.15% is below required DTI per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 742 exceeds required credit score per guideline. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history.
0687828886	03/16/22: See attached documented HOA dues03/16/22: Lender provided verification of HOA	03/16/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets; $741,670.81-$59,114.49 (cash to close)=$682,556.32 (post-close assets). AUS Reserves Request: $11,094.51 ($70,469.31 - to be verified), Assets stated above meets reserve/verification requirements. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report dated XXX, borrowers do not have any major mortgage related occurrences during the past two years. CFCFS2860: Good credit history - Clayton Comments:  Fico: 777, XXX DU Min: 700.
0422348629	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $152,609.55 for 57.57 months.  Required reserves per DU are $38,654.67. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 15 years
0140103783					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 759, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in occupation.
0049531058					CFCFS1736: Significant time at current residence - Clayton Comments:  18.3 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  738 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  99 months of 0x30 consumer credit history.
0379849286	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 720 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 85% and guidelines allow the LTV to be 85%
0590626586	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 15 years CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 9 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines no delinquencies.
0184491359	3/7/22 - Client provided proof of XXX active and expiration date of XXX.	3/7/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  -69.83 Months PITI reserves exceeds minimum 9 months required per guidelines CFCFS1739: Postive mortgage payment history - Clayton Comments:  8.3 years 0x30 mortgage reporting CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 4 years months at current job CFCFS2854: Significant time in profession - Clayton Comments:  4.1 years as a XXX
0107037493	03/16/22: Loan was not purchased by XXX until XXX so insurance was in effect at the time of purchase03/16/22: Lender advised HOI was in place at time of purchase. File does contain acceptable coverage per XXX.	03/16/22: Exception satisfied	Not Applicable	Not Applicable	CFCFS2860: Good credit history - Clayton Comments:  0x30 on all mortgage reflected on credit report. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30 on mortgage dating back to 2007 and all other mortgages reflected. CFCFS1739: Postive mortgage payment history - Clayton Comments:  All mortgages listed on the credit report reflect a positive payment history with no late payments reflected.
0794710575					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 32.38% which is less than the maximum allowable of 45%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 1 Mortgage property on the credit report reviewed for 37 months with no late payments. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, longest trade line is 50 months and borrower has 4 open trade lines.
0575093630					CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  782 mid-score per CBR.
0026289338	03.15.2022 - Disagree: Title fees not disclosed in Section C of the initial LE but added to Section B of the CD fall in the ten percent tolerance category. Aggregate 10% baseline from the initial LE is $1,330. 10% fees total charged at consummation is $1,065. Does not exceed allowable tolerance of $1,463. Not a testing defect no further action required. 03.15.2022 - Upon further review, amount due in refund is now $2.60 for transfer taxes at closing without a valid reason, Missing CIC for Transfer taxes added or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.04.04.22 - Update on 4/5/22: Disagree: Please see attached copy of refund check, LOX, shipping label and updated PC CD. Unacceptable increase in transfer taxes has been cured.	3.15.2022 - Exception remains04.04.22 - Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Required 620 B1 782 CFCFS2860: Good credit history - Clayton Comments:  No derog or dlg accounts CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 20 years in current position
0688405471					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 669 exceeds guideline minimum score. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has Significant time in profession of 22 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history 50 months reviewed no delinquencies CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 66.39% below guideline requirements of 75% for cash out refinance.
0852387512					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 734, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  20 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0060688848					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  27.94 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.89% is below required maximum of 43% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in the same profession 13 years
0890791505					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 765 exceeds required credit score per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at the current job for 8 years.
0521396208					CFCFS1736: Significant time at current residence - Clayton Comments:  33 years at current residence. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 779, minimum for program is 640.
0082402747					CFCFS2854: Significant time in profession - Clayton Comments:  5 years in the XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years employed with XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 mid score per CBR
0094199639					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 26.44% which is below the maximum allowable of 50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit in the last 24 months. Longest trade line is 105 months and the credit usage ratio of 0%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years at current job.
0392522446	3/10/22 - Client provided a VVOE dated XXX within 10 days of closing.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer 8 years and 5 month; 2 year is required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 33%; Max allowed 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $917,214.56 in reserves; $8,555.84 required.
0233992178					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years in occupation. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 796, minimum required is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years at current residence.
0106099595					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the same employer for 7 years, minimal required is 2 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26%, max required 50%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower mortgage history is 0X 30 for over 24 months with current and previous mortgages.
0912204842					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.25% is below required DTI per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% is below required LTV per guideline
0438506385					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.75% is below required DTI per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 737 exceeds required credit score per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years and 6 months
0345893182					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX 9 years and 11 months. CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Lowered principal and interest from $2,224.34 to $1,633.95. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets $566,349.10.  Cash to close $7,797.51.  Post closing cash reserves $558,551.59/208.36 months reserves.  Per LP, Required Funds $9,959.13 and reserves $27,762.68.
0355558488	03.24.2022 - Update on 3/23/22: Disagree: Please see the attached change circumstance for the reason for the increase in recording fees. No longer a testing violation. No further action required.	03.24.2022 - Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $15,878.03 for 10.65 months.  LP required reserves of $10,113.82. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 64 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.88% below guideline requirement of 50% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67% below guideline requirements of 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 32 years CFCFS1747: Housing expense increase is 10% or less - Clayton Comments:  Housing expense increase is 6.50%
0443712949	3/14/22 - Client provided response 'See attached bulletin, this was not a requirement' Seller guides provided.	3/14/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 16 years 1 month at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 29 years 9 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 15 years 5 months at current residence.
0856381386	03/09/22: XXX  are not loans in which our borrower is obligated, but appears that the spouse is and she is not on the loan (XXX).  See attached documentation on other 3 properties not owned by borrower	03/09/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 785 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has significant time on current job of over 5 years. CFCFS2860: Good credit history - Clayton Comments:  No late payments  or derogatory credit
0284701760					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 33.30% which is below the maximum allowable of 50%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 19 years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 19 years 1 month at current job supported by VVOE in file. CFCFS2854: Significant time in profession - Clayton Comments:  18.7 years working in the XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 mid-score per CBR.
0361566465					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years 6 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years 11 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $60,887.01 is $48,783.97 greater than the $12,103.04 reserves required for the program.
0674168088					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 15.16% which is less than the maximum allowable of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 4 years 3 months at current job supported by VVOE in file dated XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves available are $18,053.70 which exceeds the reserves required of $6,477.27.
0127923761					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  759 mid-score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  17.2 years working as a XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  17 years employed with XXX
0867881207	(No Data)	(No Data)	Numeric	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 759, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $1,128,473.27 ; per guidelines reserves of $107,754.62 or 9 months PITIA reserves required.
0993924096					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38 is below max of 43 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has in excess of 70 months reserves CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower residual income exceeds 22k monthly
0953504310	03/16/22: See attached loan statement03/16/22: Lender provided copy of mtg stmt showing T&I escrowed.	03/16/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves per LP $18322.86, documented reserves = $54936.35 or 14.57 months. CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30x24 and beyond for all current and previous mortgages reflected on the borrower's credit report. CFCFS2860: Good credit history - Clayton Comments:  30.97% credit usage documented.
0809055353	3/14/2022 - Client provided a complete Mortgage with notary page for subject property.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 48.16% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  DU required reserves $16,752.91.  Months PITI Reserves (Qual Rate) 545.60, Cash Reserves $937,713.36. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 4 mos. 0x30, 59 mos. 0x30, 12 mos. 0x30 and 59 mos. 0x30.
0750841857	3/10/22 - Client provided REO (Investments and 2nd home) income spreadsheet totaling $12,184.53/month. Review calculated $13,888.99/month. using lender calc would reduce the back end DTI to 44.29%; within tolerance.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 747 exceeds guidelines
0750841857	3/10/2022 - Client provided proof of taxes for property on XXX; $671.04/month taxes per 1st payment notification letter.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 747 exceeds guidelines
0566700968					CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have occupied the primary residence for 22 years 11 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been XXX for 12 years 2 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrowers documented $189,470.76 available retirement and liquid assets - $0.00 funds to close as the CD reflects the borrowers received $158.68 cash in hand at closing - $46,278.84 required reserves per the LP findings = $143, 191.92 remaining available assets. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The lowest middle credit score is 807 and guidelines allow a credit score of 680
0837279555					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  43.38  Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in the same profession 5 years and 5 months CFCFS1739: Postive mortgage payment history - Clayton Comments:  1.58  years 0x30 mortgage reporting
0037853603					CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  9 years 4 months at closing. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x84mos
0701661193					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 748, minimum for program is 640 CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.05%, max for program is 43%
0025101105	03/21/22: Disagree: The file contains a final CD issued XXX that discloses the recording fee as $448. Ten percent fees did not increase outside of tolerance. No corrective action is required. Please see attached documentation.03.21.22 Lender provided PCCD dated XXX adjusting recording fees to 448.00 correcting the tolerance issue.	3.21.22 Exception Satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.57%, max for program is 50%.
0025101105	03/28/22: Field review received supporting value of appraisal	03/28/22: Exception satisfied	Not Applicable	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.57%, max for program is 50%.
0129891920					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  99.16 Months PITI reserves exceeds minimum 12 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 22 years 0 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.16% is below required maximum of 43%
0546990370					CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit in the last 24 months, longest trade line is 147 months and 15 open trade lines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years 5 months at current job. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 5 mortgages on the credit report with no late payments.
0572160983					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 28 years 1 month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 783 exceeds required credit score required per guideline CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit score
0408887673	3/23/22 - Client response 'See updated net rental income to reflect the 2020 mortgage interest. Regarding the XXX loan # XXX, this debt was associated with an automobile sold to XXX on XXX. The Bill of Sale and its accompanying documents show the automobile associated with loan # XXX was sold to XXX on XXX. The title to the automobile was transferred to XXX the same day.  XXX provided a loan "payoff fax" showing account # XXX had a $00.00 balance as of XXX. All combined documentation to support excluding the debt has been provided. The AUS has been rerun and received an Approve Eligible. DU provided with 41.57% back-end DTI ratio. Review DTI is 41.81%.	3/23/22- Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $170,069.61 available in reserves: $12,998.58 in reserves required by DU.
0408887673	3/23/22 - Client response 'See updated net rental income to reflect the 2020 mortgage interest. Regarding the XXX loan # XXX, this debt was associated with an automobile sold to XXX on XXX. The Bill of Sale and its accompanying documents show the automobile associated with loan # XXX was sold to XXX on XXX. The title to the automobile was transferred to XXX the same day.  XXX provided a loan "payoff fax" showing account # XXX had a $00.00 balance as of XXX. All combined documentation to support excluding the debt has been provided. The AUS has been rerun and received an Approve Eligible. DU provided with 41.57% back-end DTI ratio. Review DTI is 41.81%. Payoff fax provided as well.	3/23/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $170,069.61 available in reserves: $12,998.58 in reserves required by DU.
0408887673	3/23/22 - Client response 'See updated net rental income to reflect the 2020 mortgage interest. Regarding the XXX loan # XXX, this debt was associated with an automobile sold to XXX on XXX. The Bill of Sale and its accompanying documents show the automobile associated with loan # XXX was sold to XXX on XXX. The title to the automobile was transferred to XXX the same day.  XXX provided a loan "payoff fax" showing account # XXX had a $00.00 balance as of XXX. All combined documentation to support excluding the debt has been provided. The AUS has been rerun and received an Approve Eligible. DU provided with 41.57% back-end DTI ratio. Review DTI is 41.81%.	3/23/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $170,069.61 available in reserves: $12,998.58 in reserves required by DU.
0642734084					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  13.92 Months PITI reserves exceeds minimum 8 months required per guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65.29% is below required maximum 75% CFCFS1739: Postive mortgage payment history - Clayton Comments:  3.75  years 0x30 mortgage reporting
0562618890					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  On current job 9 years and 1 month at closing. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x49 and 0x30x58 on mortgages reflected on credit report. CFCFS2860: Good credit history - Clayton Comments:  6.94% credit usage documented.
0043069274	02/23/22: See attached EAD card02/23/22: Lender provided unexpired EAD	02/23/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years employed at XXX CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 consumer history for 95 months per CBR. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  716 mid-score per CBR
0224339241					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  75.98 Months PITI reserves exceeds minimum 5 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 21.00% is below required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 9 years at current job
0289065655	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.60 is below lender's guide line maximum.
0891180373					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been a XXX for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  715 credit score exceeds 680 mid score CFCFS1744: DTI below guideline requirement - Clayton Comments:  39.47% DTI is below max of 43%
0869128653	03.02.2022 - Disagree: The inspection fee $175 was added on the initial CD issued XXX. This was due to the age of the original appraisal and a recertification of value being required. File documentation shows the recertification of value was completed on XXX. The fee was disclosed to the borrower within the required three days. This constitutes a valid reason for the addition of the Inspection fee and no further review is required.03.02.2022 - The Appraisal Update would not be a acceptable replacement for the COC, mainly due to no information speaking to the amount of the increase. Sufficient documentation of Changed Circumstance, Consumer requested revisions, and interest rate dependent charges will at a minimum include the date of the change and a description of the change to tie out to the specific fees impacted.Update 3/17/22: Client provided a refund check for $175, updated PC CD, LOX and proof of mailing. Fee tolerance issue cured.	3.02.2022 - Exception remains03.18.2022 - Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  66.86 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.71% is below required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed  15 years at current job
0869128653	03.02.2022 - Disagree: The inspection fee $175 was added on the initial CD issued XXX. This was due to the age of the original appraisal and a recertification of value being required. File documentation shows the recertification of value was completed on XXX. The fee was disclosed to the borrower within the required three days. This constitutes a valid reason for the addition of the Inspection fee and no further review is required.03.02.2022 - The Appraisal Update would not be a acceptable replacement for the COC, mainly due to no information speaking to the amount of the increase. Sufficient documentation of Changed Circumstance, Consumer requested revisions, and interest rate dependent charges will at a minimum include the date of the change and a description of the change to tie out to the specific fees impacted.03.18.2022 - Update 3/17/22:  Client provided a refund check for $175, updated PC CD, LOX and proof of mailing. Fee tolerance issue cured.	03.02.2022 - Exception remains3.18.2022  - Exception satisfied	Numeric	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  66.86 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.71% is below required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed  15 years at current job
0423247515	3/4/22 - Client provided a 2021 Profit and Loss balance sheet through 9/2021.	3/4/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 fico exceeds 680
0423247515	3/4/22 - Client provided a complete XXX XXX bank statement which is within 60 days of Note date.	3/4/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 fico exceeds 680
0423247515	3/4/22 - Client provided a 2021 Profit and Loss balance sheet through 9/2021.	3/4/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 fico exceeds 680
0423247515	3/4/22 - Client provided a valid DU AUS with XXX date.	3/4/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 fico exceeds 680
0394508041					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 15 years and 9 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.06% is below required DTI score per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 16 years
0260833803					CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has history of making OT income not used to qualify CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has no mortgage late payments.
0064468511					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job 26 years and 3 months. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has consistent OT income reflected on WVOE covering the last 33 months not used in qualifying income. CFCFS2860: Good credit history - Clayton Comments:  4.26% credit usage, no derogatory credit history documented.
0633931915					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 2 months on the job supported by VVOE in file dated 12/15/2021. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit. Longest trade line is 62 months, 4 open trade lines and a credit line usage ratio of 4.02%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required are $15,072.68 and total funds verified are $194,786.39.
0997081155	03.29.2022 - Update 3/25/22: Disagree: Please see attached LOX, corrected PC CD with over tolerance verbiage, refund check to borrower and proof of mailing.	03.29.2022 - Exception satisfied	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 34.02% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 22 years
0442616315	3/14/2022 - Client proved a CD for property at XXX showing escrow breakdown.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 768 CFCFS2860: Good credit history - Clayton Comments:  Minimal credit usage of 5.20% no derogatory credit documented CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x24
0168718369					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years 4 months on the job supported by VVOE in file dated 12/03/2021. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 10 years 3 months at current job supported by VVOE in file dated 12/03/2021. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 29.84% which is below the maximum allowable of 50%.
0773363825					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.11% is below required maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  57.67 Months PITI reserves exceeds minimum 12 months required per guidelines CFCFS1739: Postive mortgage payment history - Clayton Comments:  6.5 years 0x30 mortgage reporting
0015217157					CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 58.63% below program maximum 75.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower XXX with two entities having 17 years and 11 years in same line of work. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  LP required reserves $24,565.86. Months PITI Reserves (Qual Rate) 355.75, Cash Reserves $570,129.01.
0393159431					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.36% is below required DTI per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 54.07% is below required LTV per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in the same residence for 20 years.
0193010342	3/7/22 - Client provided updated Flood Cert showing X zone map change XXX.	3/7/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have excellent credit, low utilization. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrowers have a strong employment history on job over 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV 75%
0788203503					CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 8 years at current job.
0893774882					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $353,154.20 for 160.84 months.  Required reserves per DU are $18,411.11. CFCFS1747: Housing expense increase is 10% or less - Clayton Comments:  Housing expense increase is 9.56% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 30 years CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 32 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
0019627470					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 777 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 33 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 34,962 Verified as 33.56 months PITIA $ 6,250 Reserves Required PER AUS
0513443774					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 792, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 13 years in occupation.
0369077661					CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has no mortgage late payments. CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  702 mid-score per CBR.
0916033478					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 9 years in occupation. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 696, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0751800846					CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer 7 years and 9 months, 2 years required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 78 months of 0X30 mortgage history, 24 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is at 24%, max allowed is 50%.
0316146764					CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, longest trade line is 47 months and a credit line usage ratio of 4%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required are $13,109.79 and excess available assets are $281,288.24. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any mortgages on the credit report and this is his first mortgage.
0013378020					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 12.67 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been at job for 14 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  773 fico exceeds 680
0980481427					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below required LTV per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 778 exceeds required credit score per guideline
0956450785					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 780, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job over 5 years.
0109749100					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for 23 years and 3 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 31 years and 11 months. CFCFS1739: Postive mortgage payment history - Clayton Comments:  84 months mortgage history with no late pays. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets $1,763,170.15 (Reserves).  Per DU, required assets $135,141. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779 mid-score per CBR
0886436008					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 760, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 9 years in occupation.
0852831405					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below 65% guideline requirements 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.12% below guideline requirement 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $867,924.27 or 210.36 months PITI exceed guidelines
0468786757					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 64.74%; max allowed per guidelines is 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $17,361.32Verified Cash Reserves $17.915.47 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has  Significant time in profession of 14 years and 8 months
0076932622					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 20.68% which is less than the maximum allowable of 50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory history, longest trade line is 175 months and a credit line usage ratio of 0%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 2 properties and one is free and clear, no history of late payments.
0549451434					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.00% is below required maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12.61 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 20 years at current job
0305703683					CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 9 years 8 months at current job supported by VVOE in file dated 11/23/2021. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 44.15% which is less than the maximum allowable of 50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit. 10 open trade lines and the longest trade line is 96 months. Credit line usage ratio is 6.78%.
0795424166	03/29/22: See attached documentation03/29/22: Lender provided documentation to verify borrower is qualified using net rental income rather than pension income. Additionally provided updated calculation to verify DTI as well as updated AUS with approve/eligible to show income verification by net rental income	03/29/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit Score of 802 exceeds required score per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 23 years and 10 months CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history
0393871528					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 25.41% is below required maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  29.20 Months PITI reserves exceeds minimum 9 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 16 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  738 qualifying credit score.
0727778718					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 736. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 74%, max allowed 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 45%, Max allowed 50%.
0988192581					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  reserves required to close $10,793.04verified Cash reserves $94,765.18 or 52.77 months PITI CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.74%, max per guidelines is 50%.
0951557054					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.99% is below required DTI per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.42% is below required LTV per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 792 exceeds required credit score per guideline
0862400746					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV score of 38.78% is below required DTI per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence 17 years 9 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 804 exceeds credit score required
0313600462	03/16/22: See attached flood insurance statement showing flood insurance effective prior to the note date03/16/22: Lender provided copy of Flood Policy	03/16/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 69.439% below program maximum 85.005. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years 10 months at current job. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage history reports 9 mos. 0x30, 23 mos. 0x30, 21 mos. 0x30, 13 mos. 0x30, 25 mos. 0x30, 4 mos. 0x30 and 84 mos. 0x30.
0611023241					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 753, minimum for program is 640. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.57%, max for program is 50% CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0743457455					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years in current position CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  620 required B1 674 B2 686 CFCFS1739: Postive mortgage payment history - Clayton Comments:  no lates on mortgages
0053021226					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 762 exceeds required score per guideline. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for the past 7+ years.
0708723087					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 755, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.99%, max for program is 50%
0862197956					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with XXX for the past 32+ years as an XXX CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers  has lived at primary residence for the past 5+ years. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers have additional significant documented income not used to qualify.
0683462782					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 749 is below required score per guideline CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit score per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV score of 75% is below required LTV per guideline.
0587134328					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 35.49% which is below the maximum allowable of 50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, longest trade line is 166 months and 12 open trade lines. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has no late payments on his mortgage.
0814655966					CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 16 years in the XXX CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  8 years employed with XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  39.74 months of PITI reserves in file.
0535467604					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 790, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS1736: Significant time at current residence - Clayton Comments:  24 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.21%, max for program is 50%
0179768441					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 7 years and 7 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 28 years.
0542493879					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 20 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 39.134% below program maximum 75.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 30 years same line of work.
0767908169					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 29 years 1 month at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $245,782.20 is $226,048.62 greater than the $19,733.58 reserves required for the program.
0314486183					CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit Score 799, minimum for program is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  12 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 29 years in occupation.
0354253272					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 770 exceeds required credit score per guideline CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  43 months of 0x30 consumer history.
0550240227					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years 8 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12 years in profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $50,000.00 is $13,946.84 greater than the $36,053.16 reserves required for the program.
0018761711					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI score of 36.02% is below required DTI per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV score of 75% is below required LTV per guideline
0355102302	3/14/2022 - Client provided a corrected 1003 for both borrowers.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $660,142.88 for 616.13 months.  Required reserves per LP are $6,428.52. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 18.27% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 10.5 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 73% below guideline requirements of 75%
0355102302	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $660,142.88 for 616.13 months.  Required reserves per LP are $6,428.52. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 18.27% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 10.5 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 73% below guideline requirements of 75%
0705599427					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 mid score per CBR. CFCFS2854: Significant time in profession - Clayton Comments:  24 years in the XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  16 years employed at XXX
0398678082					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 22.80% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 48 months exceeds guidelines of 12 months. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Significant housing expense reduction of $150.25 per month.
0689666715	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $399,184.49 for 168.88 months.  DU required reserves are $24,700.08. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 40.73% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 75% below guideline requirements of 85% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 17 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
0347029890					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 5 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history totaling 48 months no delinquencies
0458293508					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 784 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 18 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 14,660 Verified as 8.04 months PITIA $ 10,941 Reserves Required PER AUS
0510614162					CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 52.08 is below guideline maximum requirements. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same industry for 18 years.
0238673692					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $60,938.14 for 31.81 months.  DU required reserves of $32,195.28. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 10 years CFCFS1746: Significant housing expense reduction - Clayton Comments:  Significant housing expense reduction of $410.12 per month CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 56 months exceeds guidelines of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 54% below guideline requirements of 75%
0486328481					CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 has additional bonus income of $814.71 average per month not used to qualify. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been at current job for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 767 exceeds guidelines
0136603008					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI score of 25.10% is below required DTI per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 726 exceeds required credit score per guideline. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history
0112368997					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 47.41% below maximum guideline requirements of 75% CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 20 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 27 months exceeds guidelines 12 months
0971494595					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 723 exceeds required credit score per guideline. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 31 years 2 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at the current job for 31 years and 2 months
0326636420					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.95%; Max DTI 43%. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same line of business for 41 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has lived at the Primary Residence for 36 years.
0543967221	3/18/22 - Client provided a Hazard Replacement Cost Estimator of $XXX for subject property.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  8 years in XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8.5 years employed with XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  99 months of 0x30 consumer credit history.
0981090479					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years on current job. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No mortgage late payments in past 2 years CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history
0050398171					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as a XXX for the past 15+ with XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 46.89% < guideline max CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21.26 % < guideline requirement max.
0024953152					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has 14 years 10 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $23,881.95 is $10,905.48 greater than the $12,976.47 reserves required for the program.
0572224332					CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  oldest tradeline is 1993. few tradeline CFCFS2860: Good credit history - Clayton Comments:  both borrowers have  great history CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at residence for almost 5 years
0655437498					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 mid-score per CBR. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  82 months of 0x30 consumer credit history per CBR. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  9.5 years employed with XXX
0654033664	3/18/22 - Client provided XXX VVOE with prior work history dating back to XXX for past employer for B1. 2+ years of work history now provided.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned their primary residence for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a qualifying credit score of 785.
0383894138	03.14.2022 - Disagree: Consummation CD date issued XXX disclosed Total of Payments is $605,313.34. Calculated Total of Payments is $605,310.75. Total of Payments is overstated by $2.59 and acceptable. Final post-consummation CD date issued XXX disclosed total of payments is $605,460.52. Post-consummation total of payments increased solely due to the increase in prepaid interest. This is not a testing violation so no corrective action is required.03.14.2022 - Upon further review, TOP corrected on PCCD.	03.14.2022 - Exception satisfied	Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI under QM standard 29.24% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Not using income for co-borrower, addition funds to apply to monthly obligation available not using. CFCFS2860: Good credit history - Clayton Comments:  Excellent credit history 0 x 30 on all accounts. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guideline minimum score.
0175871836	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  368.71 Months PITI reserves exceeds minimum 11 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 31.00% is below required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 14 years at current job
0532802456					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%; max allowed per guidelines is 85%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 5 years and 8 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has Significant time in profession of 9 years and 3 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 12.80%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $10,322.89Verified Cash Reserves $53,025.61
0539795985					CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Lender used more conservative income to qualify resulting in a difference of $1521.15/mo CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years 8 months at closing. CFCFS2860: Good credit history - Clayton Comments:  23.11% credit usage documented.
0886692551	2/23/22 - Client provided a legible copy of subject lease showing $1,955/month.	2/23/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  751 mid-score per CBR. CFCFS1736: Significant time at current residence - Clayton Comments:  9.2 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  153.23 months of PITI reserves.
0077528066					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 773 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 48 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 41,139 Verified as 12.07 months PITIA $ 26,102 Reserves Required PER AUS
0776817002					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are 159,254.86 for 141.47 months.  DU required reserves are $11,552.45. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 30.81% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 25 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below guideline requirements of 85%
0700422107	3/14/2022 - Client provided a VVOE dated XXX for borrower 1.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for $13 years and 4 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 757 exceeds required credit score per guideline.
0700422107	03/30/22: PDI received showing no damage	03/30/22: Exception satisfied	(No Data)	Not Applicable	CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for $13 years and 4 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 757 exceeds required credit score per guideline.
0469237732					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrower work for XXX and have strong employment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower have good credit. CFCFS1750: High potential for increased earnings - Clayton Comments:  Current positions offer great advancement.
0279074630					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 753 exceeds required credit score per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 13 years 1 month CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history
0597602764					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 18% which is below maximum allowable of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years 1 month at current job supported by VVOE in file dated 11/29/2021. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, longest trade line is 262 months and has 6 open trade lines.
0585769862					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 43.19% which is below the maximum allowable of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years 6 months at current job supported by VVOE in file dated 12/15/2021. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory Credit and a credit line usage ratio of 13.86%.
0516241996					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  726 fico score exceeds 680 mid score CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.38% DTI is below max 43% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 17 years
0182483168					CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 6 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.63% below guideline requirement 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $172,179.26 or 77.84 months exceed guidelines CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  84 months of 0x30 consumer credit history per CBR.
0578660148	3/10/22 - Client provided a Flood Cert showing a map change date ofXXX.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  716 fico credit exceeds 680 mid CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 20 years.
0397859734					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $70,417.48 for 32.94 months.  LP required reserves of $12,828.18. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 23+ years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 22 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 month exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 44.49% below guideline requirement of 50%
0495435543	03/09/22:mortgage was executed by both and both are on final vesting03/09/22: Lender provided current copy of title showing vesting in both borrowers names	03/09/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 mid-score per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $121,992.20 is $81,085.18 greater than the $40,907.02 reserves required for the program. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years 2 months at current job.
0247298997					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  35.38 Months PITI reserves exceeds minimum 7.5 months required per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 33.24% is below required maximum of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 25 years at current job
0378085401					CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history CFCFS1737: LTV below guideline requirements - Clayton Comments:  The total LTV is 33.34% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 51 years
0649985515					CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit Score 755, minimum for program is 640. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.18%, max for program is 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 8 years in occupation.
0306950878					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 715, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 22 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0227343772	3/10/2022 - Client provided a 1008.	3/10/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at residence for 29 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at job for 7.67 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  723 fico exceeds 680 mid score
0227343772	3/10/22 - Client response provided 'This is not a required document when qualifying with the full PITIA payment, see DU command 26'	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at residence for 29 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at job for 7.67 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  723 fico exceeds 680 mid score
0294934064					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  At job since 2012 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  At job since 2000 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves sourced:Months PITI Reserves (Qual Rate) 24.60  Cash Reserves $78,244.52  Required per DU:25583.47Met
0269335847					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 740 exceeds required credit score per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below required LTV per guideline
0084180641	02/24/22: See attached schedule E which is on page 5 of the 32 page tax returns and has the rental info on requested property02/24/22: Lender provided copy of SCH E for REO property.	02/24/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  10 years living at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  736 mid score per CBR. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30 mortgage history per CBR for 84 months.
0060800852					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX with current business 4/5/2013. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying credit score of 813.
0917256174					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 775, minimum for program is 640. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in occupation.
0428785772	03/18/22: Updated data points satisfied exception	03/18/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  16 years employed at XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  7.9 years living at primary residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years XXX with same company. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  706 mid-score per CBR.
0428785772	3/18/22 - Client provided a WVOE showing YTD of $494,413.53 / 10 = $49,413/month; income supported for B1.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  16 years employed at XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  7.9 years living at primary residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years XXX with same company. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  706 mid-score per CBR.
0428785772	3/18/22 - Client response 'Loan would still be within tolerance if using the full PITI on this property'. New DTI without lease would be 27.82% back-end DTI ratio.	3/18/22 - Exception Satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  16 years employed at XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  7.9 years living at primary residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years XXX with same company. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  706 mid-score per CBR.
0191619427					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 13 years 2 months at current job supported by VVOE in file dated 12/14/2021. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 40.65% which is below the maximum allowable of 50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory Credit, 7 open trade lines and the longest trade line is 148 months.
0228153100					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.64% < guideline max of 43% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary property for the past 7.6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of , exceeds cash reserves required $11,055
0091543427					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 26 years and 5 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 37.33% which is less than the maximum allowable of $50%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, 6 open trade lines and the longest trade line is 366 months, Credit usage ratio is 0.33%.
0359368667					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at job for 5.33 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at job 10.75 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 exceeds 680 mid score CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.02% DTI is below max 43%
0883208966					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at job for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  757 fico exceeds 680 mid score
0202917913					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 32.20% which is less than the maximum allowable of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years 11 months at current job supported by WVOE in file dated 12/06/2021. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit. Longest credit line is 184 months and 11 open trade lines. Credit line usage ratio is 6.96%.
0965338091					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $340,999.18 for 204.49 months.  Required reserves per DU are $13,676.14. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 18.97% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 34 years CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 38 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 75% below guideline requirements of 85%
0978307325					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has had stable employment in XXX  for the past 15 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for the past 21+ years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves of  $89,213.37 which exceed  Reserves required $ 19,394.07
0233659091					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job, XXX 12 years CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 8 years CFCFS2860: Good credit history - Clayton Comments:  Good credit history over 55 months 46 accounts; installment, revolving, real estate no delinquencies
0041794511					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has owned XXX Properties for 4 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 - 4.9 years in the XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 qualifying credit score per CBR.
0803959459					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $51,001.16 for 35.21 months.  DU required reserves of $7,818.19. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.06% below guideline requirement of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below guideline requirements of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 8 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 74 months exceeds guidelines of 12 months
0568584608					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 s below guide max of 90 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 49 months of PITI liquid reserves CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower residual income exceeds 5k monthly.
0659835600					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years 9 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years 8 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $94,981.56 is $60,664.36 greater than the $34,317.20 reserves required for the program.
0254084698					CFCFS2860: Good credit history - Clayton Comments:  Borrowers have overall good credit history CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Rental income on subject property not used to qualify CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No mortgage late payments in the last 2 years.
0680656432					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $290,517.63 for 150.74 months.  LP required reserves of $15,361.86. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines CFCFS1746: Significant housing expense reduction - Clayton Comments:  Significant housing expense reduction of $409.69 per month. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 41.5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 16.5 years
0432864946					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at job for 12 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.91 % DTI is below max 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  782 fico exceeds 680 mid score
0339795039	03/24/22: PDI received with no damage.	03/24/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 16 years on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 23.39% CFCFS2860: Good credit history - Clayton Comments:  Borrower has overall good credit history
0232780458					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 38.75% which is less than the maximum allowable of 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has 18 open trade lines, longest trade line is 201 months and a credit line usage ratio of 16.18%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required are $7,240.74 and verified cash reserves are $35,100.91.
0179558755	3/14/2022 - Client provided a copy of seller CD for property at XXX. Funds to borrower of $XXX.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  57.41% LTV CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.74% DTI
0917481264					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years and 4 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years and 11 months at current job supported by VOE in file. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 2 mortgages being reported on the Credit report with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  6.4 years in XXX
0623270433					CFCFS1744: DTI below guideline requirement - Clayton Comments:  - DTI of 33% is below required maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  82.37 Months PITI reserves exceeds minimum 8 months required per guidelines CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower employed 32 years at current job
0790024232	3/4/22 - Client provided proof of taxes and insurance on XXX	3/4/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guideline. Score 807 minimum score required 740 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guidelines max 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceed guidelines $125,186.38 required $12,140.76
0688088406					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years 6 months at current job supported by VVOE in file date 12/13/2021. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 30.17% which is less than the maximum allowable of 50%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 13 years 1 month at current job supported by VVOE in file dated 12/13/2021.
0250112015					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below required LTV per guideline. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit
0386434481					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 13 years in occupation. CFCFS1737: LTV below guideline requirements - Clayton Comments:  File LTV of 57.83% is below the program maximum of 75%
0983762324	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.88% is below required DTI per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 57.24% is below required LTV per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years.
0925619358					CFCFS1736: Significant time at current residence - Clayton Comments:  Co-Borrower has 6 years 3 months at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 8 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $270,323.79 is $218,406.64 greater than the $51,917.15 reserves required for the program.
0732648036	3/10/22 - Client provided a XXX statement 11/28/2021 showing available balance of $525,046.74. Assets/Reserves now sufficient.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  764 fico exceeds 620 mid score CFCFS1737: LTV below guideline requirements - Clayton Comments:  72% LTV below max 80%
0129236503					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 746 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 45.77 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 64 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 53,462 Verified as 27.34 months PITIA $ 11,730 Reserves Required PER AUS
0526762569					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $134,2999.82Cash Reserves $188,310.29 CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%; max allowed per guidelines is 85%.
0799510728					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years at current job supported by VVOE in file. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 42.20% which is less than the maximum allowable of 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit in the last 24 months, longest trade line is 183 months.
0124435137					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 28.90% which is less than the maximum allowable of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years 8 months at current job supported by VVOE in file dated 12/06/2021. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory history in the last 24 months. He has 4 open trade lines and the longest trade line is 115 months.
0447665250					CFCFS2860: Good credit history - Clayton Comments:  Borrowers have overall good credit history CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has bonus income not used to qualify
0819472121					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed as a XXX with XXX for the past 10+ years CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional income averaging over 3 years to be $6953. month; which was not used to qualify. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has 0 x30 payment history for  all mortgages held over the past 3 years.
0561344210					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 16 years at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 7 years 4 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $50,971.76 is $35,240.88 greater than the $15,730.88 reserves required for the program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  706 mid qualifying score per CBR
0636864926	03/09/22: See attached.03/09/22: Lender provided PITI docs for REO properties refinanced	03/09/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 13 years 11 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 21 years 5 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $75,415.34 is $57,881.08 greater than the $17,534.26 reserves required for the program.
0660340844	2/23/22 - Client provided detailed cash-flow analysis for 2 investment properties with $1,316.65/month net total income. DTI in line using this figure.	2/23/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  721 mid-score per CBR CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  99 months of 0x30 consumer credit history per CBR. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  38.46 months of PITI reserves.
0261257494					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 23 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $54,744.02 is $34,064.06 greater than the $20,679.96 reserves required for the program.
0754839285					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.72% is below required DTI per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 784 exceeds required credit score per guideline.
0498996672	3/18/22 - Client provided CD's for XXX and XXX showing payoffs/new mortgages.	3/18/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned their primary residence for 27 years 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Subject loan has a low LTV of 47.92%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $67,866.39 available in reserves; $32,151.08 in reserves required by DU.
0785810385	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $182304.29 or 58 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has no mortgage lates on current or previous mortgages
0785810385	(No Data)	(No Data)	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $182304.29 or 58 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has no mortgage lates on current or previous mortgages
0785810385	3/10/2022 - Client provided a tax bill showing $3,008 in taxes per year for property at XXX	3/10/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $182304.29 or 58 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has no mortgage lates on current or previous mortgages
0785810385	3/10/22 - Client provided a VVOE dated XXX for the borrower.	3/10/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $182304.29 or 58 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has no mortgage lates on current or previous mortgages
0098625785	03/21/22: See attached documents03/21/22: Lender provided verification docs to show XXX lien was paid	03/21/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years 6 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $37,720.34 is $26,453.70 greater than the $11,266.64 reserves required for the program.
0098625785	03/02/22: See attached Loan Estimate from the clients recent refi on this property03/02/22: Lender provided copy of LE from REO located at XXX However, LE cannot be considered an official record of PITI for REO. Lender may provide the final CD from the transaction or actual PITI docs.03/09/22: see attached03/09/22: Lender provided copy of Final CD for REO located at XXX	03/02/22: Exception remains03/09/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years 6 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $37,720.34 is $26,453.70 greater than the $11,266.64 reserves required for the program.
0796097917					CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 Years in Current Profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 793 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 48 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 19,606 Verified as 8.81 months PITIA $ 13,354 Reserves Required PER AUS
0477262538					CFCFS1739: Postive mortgage payment history - Clayton Comments:  -6.7 years 0x30 mortgage reporting CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 40% is below required maximum 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  21.35 Months PITI reserves exceeds minimum 6.75 months required per guidelines
0739633317	03.23.2022 - Update - The Loan Estimates provided on XXX are acceptable for the missing disclosures requirement.	03.23.2022 -Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $52,080.84 for 26.01 months.  DU Required reserves are $18,719.30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 6.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 6.5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months.
0739633317	03.23.2022 - Update - On 3/22/22 received refund check in the amount of $54.10, corrected PC CD, LOX and proof of mailing. Please see attached documentation.	03.23.2022  -Exception satisfied	(No Data)	Not Applicable	CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $52,080.84 for 26.01 months.  DU Required reserves are $18,719.30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 6.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 6.5 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months.
0184454758	03/15/22: See attached documentation03/15/22: Lender provided documentation to verify business existence over 5 years.	03/15/22: Exception satisfied	(No Data)	Not Applicable	CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned his primary residence for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying credit score of 788.
0667804043					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $51,060.34 for 36.67 months.  Required reserves per DU are $11,603.70. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 37.66% below guideline requirement of 45% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1746: Significant housing expense reduction - Clayton Comments:  Significant housing expense reduction of 8.06% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 5 years CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 13 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 13 years
0675363085					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned his primary residence for 6 years 8 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $69,465.10 available in reserves; $21,882.26 in reserves required by DU. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a low back-end DTI ratio of 20.38%.
0515806374	3/7/22 - VVOE dated XXX for both borrowers provided by Client.	3/7/22- Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 21 years 3 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $684,253.85 is $673,195.97 greater than the $11,057.88 reserves required for the program.
0515806374	3/7/22 - Client provided a 2020 tax transcript for the borrower.	3/7/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 21 years 3 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $684,253.85 is $673,195.97 greater than the $11,057.88 reserves required for the program.
0442895671					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 19 years 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.66% below maximum guideline requirements of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $244,507.09 or 152.66 months exceed guidelines
0958107597					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 mid score used CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and lived at primary residence for the past 5+ years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.51% <  guideline requirement of 43%
0090454285					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 770 required 740 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceeds requirement. Cash reserves $108,179.83. Required $17,706.15
0351699929	03/09/22: Disagree: Neither the 'you declined it' nor the 'your lender does not offer one' box is checked on the final CD issued XXX; however, Wells Fargo views this as a non-material violation as there is no harm to the borrower. Non-material violations do not require a CD re-disclosure. No remediation will be pursued.	03/09/22: Exception remains	Non-Numeric	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.80%, max per guidelines is 50%. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in XXX for 20 years
0351699929	3/7/22 - Client provided a complete final LP approval	3/7/22 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.80%, max per guidelines is 50%. CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in XXX for 20 years
0309455657					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 37.06% which below the maximum allowable of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 10 months at current job supported by VVOE in file dated 1/2/2022. CFCFS2860: Good credit history - Clayton Comments:  Borrower has 6 open trade lines, the longest trade line is 88 months and a credit line usage ratio of 2.30%.
0467251553					CFCFS1734: Borrower has significant time at current job - Clayton Comments:  14.5 years employed with XXX CFCFS2854: Significant time in profession - Clayton Comments:  14.5 years in the XXX CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  82 months of 0x30 consumer credit history.
0482170093					CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 20 years in current residence
0167771153					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 755 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 47 % CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 49,269 Verified as 39.39 months PITIA $ 14,429 Reserves Required PER AUS
0577264814					CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 24 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 50.62%; max allowed per guidelines is 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash Reserves $89,433.60 Reserves required $12,468.87 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 22.82%, max per guidelines is 50%.
0603265183					CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 754, minimum for program is 640. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 22 years in occupation. CFCFS2860: Good credit history - Clayton Comments:  No delinquencies over the life of the credit file.
0966807923					CFCFS2860: Good credit history - Clayton Comments:  Borrower has paid 0x30 on all trade lines for 82 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 18 years and 6 months.
0366435929					CFCFS2860: Good credit history - Clayton Comments:  Borrowers have overall good credit history. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 receives bonus income not used to qualify.
0681411787					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 39.55% below maximum guideline requirement of 50% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 35.71 below maximum guideline requirements of 75% for cash-out refinance on an investment property CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history zero delinquencies
0468951600					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 38.58% which is less than the maximum allowable of 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit, longest trade line is 102 months and 8 trade lines are open. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves are $8,610.96 and available assets are $39,696.70.
0716412069					CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower works at bank CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in field for 17 years
0854975823					CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $2,084,679.54 available in reserves; $16,387.59 in reserves in required by DU. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying credit score of 800.
0069594413	3/14/2022 - Client provided 2 months of bank statements for XXX#XXX, XXX#XXX and XXX#XXX. Asset requirement met.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  40.69% LTV CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 27 months 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying credit score per CBR.
0069594413	3/14/2022 - Client provided PITI info for property at XXX HOA bill, Hazard policy and mortgage statement provided.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  40.69% LTV CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 27 months 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying credit score per CBR.
0069594413	3/14/2022 - Client provided a VVOE for both borrowers dated XXX.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  40.69% LTV CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 27 months 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying credit score per CBR.
0069594413	3/14/2022 - Client provided a WVOE dated XXX for both borrower with annual income listed.	3/14/2022 - Exception satisfied.	(No Data)	Not Applicable	CFCFS1737: LTV below guideline requirements - Clayton Comments:  40.69% LTV CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 27 months 0x30 on current mortgage CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying credit score per CBR.
0731837280					CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.65% below maximum guideline requirement of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 750 exceeds minimum guidelines score 620 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history 14 months no delinqencies
0519535437					CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 56.70%; Max LTV 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 18.49%; Max DTI 43%. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same line of profession for 20 years.
0783350326					CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 34.14% which is below the maximum allowable of 50%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower has 17 open lines of Credit, longest trade line is 108 months. Credit line usage ratio is 2.27%.

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2022-INV1
Start - End Dates:	02/14/22 - 03/16/22
Deal Loan Count:	362
Conditions Report 2.0
Loans in Report:	362
Loans with Conditions:	94

Alt Loan Number	TRID Indicator	Lender Application Date	Broker Application Date	Initial Securitization Overall Loan Grade	Final Securitization Overall Loan Grade	Initial Securitization Credit Loan Grade	Final Securitization Credit Loan Grade	Initial Securitization Property Valuations Loan Grade	Final Securitization Property Valuations Loan Grade	Initial Securitization Compliance Loan Grade	Final Securitization Compliance Loan Grade
0768573298	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0319666688	Yes	XXXXXX	XXXXXX	C	C	A	A	A	A	C	C
0731285047	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0285148298	Yes	XXXXXX	XXXXXX	D	C	C	C	C	A	D	A
0677149254	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0022327652	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0448199324	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0979702697	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0084674715	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0682513591	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0631100046	Yes	XXXXXX	XXXXXX	C	C	C	C	A	A	A	A
0122126215	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0558802088	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0483938595	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0823896986	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0395821304	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0762088184	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0727108009	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0293437949	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0856275986	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0139126138	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0924268465	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0433380233	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0692837942	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0744719764	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0814495634	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0286307252	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0302712902	Yes	XXXXXX	XXXXXX	D	A	C	A	D	A	A	A
0232744971	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0358926390	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0922243163	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0737455199	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0100600459	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0250172659	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0707729550	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0970632063	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0275169796	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0412261818	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0198488711	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0090662018	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0438399985	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0982918867	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0907750228	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0104243518	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0330817229	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0646225824	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0491797903	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0617731917	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0277873241	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0429187388	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0749438453	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0125728577	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0911719968	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0438228435	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0699087315	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0658005021	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0863116234	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0747244370	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0261690124	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0592639832	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0927952463	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0763373522	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0312775548	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0848208876	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0400983943	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0619867854	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0948460106	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0196158832	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A	A	A
0736718417	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0048461458	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0954667394	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0672744922	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0672228067	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0695698811	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0777373449	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0491506662	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0566748346	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0564223982	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A	C	A
0179599052	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0997270393	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0913281625	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0182655512	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0951154164	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0383693904	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0409455457	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0000760451	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0366635468	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0709474831	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0948354289	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0434552860	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0692763538	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0007649344	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0854997921	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0808499087	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0361478088	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0281653660	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0589645574	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0033021267	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0625400065	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0268962661	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0424310566	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0991799131	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0641472392	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0185870070	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0896455419	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0965593191	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0388531249	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0117325729	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0130231362	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0105732455	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0765711536	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0390412598	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0934735655	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0421484065	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0609767074	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0424117010	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0231877912	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0875997430	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0162019058	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0437123537	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0771236177	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0654376922	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0687680816	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0718023678	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0365433704	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0310613302	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0466856056	Yes	XXXXXX	XXXXXX	D	A	A	A	D	A	A	A
0271862720	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0863029571	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0655101511	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0103225063	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0525175315	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0672685397	Yes	XXXXXX	XXXXXX	B	A	A	A	B	A	A	A
0915221629	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0763372304	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0258469560	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0987531306	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0086591234	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0744728035	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0641599178	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0687828886	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0422348629	Yes	XXXXXX	XXXXXX	B	B	A	A	A	A	B	B
0140103783	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0049531058	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0379849286	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0590626586	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0184491359	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0107037493	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0794710575	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0575093630	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0026289338	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0688405471	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0852387512	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0060688848	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0890791505	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0521396208	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0082402747	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0094199639	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0392522446	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0233992178	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0106099595	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0912204842	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0438506385	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0345893182	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0355558488	Yes	XXXXXX	XXXXXX	C	A	A	A	A	A	C	A
0443712949	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0856381386	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0284701760	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0361566465	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0674168088	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0127923761	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0867881207	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0993924096	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0953504310	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0809055353	Yes	XXXXXX	XXXXXX	D	A	A	A	A	A	D	A
0750841857	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0566700968	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0837279555	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0037853603	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0701661193	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0025101105	Yes	XXXXXX	XXXXXX	C	B	A	A	C	A	C	B
0129891920	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0546990370	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0572160983	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0408887673	Yes	XXXXXX	XXXXXX	D	A	C	A	A	A	D	A
0642734084	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0562618890	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0043069274	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0224339241	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0289065655	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0891180373	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0869128653	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0423247515	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	D	A
0394508041	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0260833803	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0064468511	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0633931915	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0997081155	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0442616315	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0168718369	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0773363825	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0015217157	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0393159431	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0193010342	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0788203503	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0893774882	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0019627470	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0513443774	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0369077661	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0916033478	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0751800846	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0316146764	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0013378020	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0980481427	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0956450785	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0109749100	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0886436008	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0852831405	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0468786757	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0076932622	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0549451434	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0305703683	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0795424166	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0393871528	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0727778718	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0988192581	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0951557054	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0862400746	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0313600462	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0611023241	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0743457455	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0053021226	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0708723087	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0862197956	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0683462782	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0587134328	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0814655966	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0535467604	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0179768441	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0542493879	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0767908169	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0314486183	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0354253272	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0550240227	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0018761711	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0355102302	Yes	XXXXXX	XXXXXX	D	B	D	B	A	A	A	A
0705599427	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0398678082	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0689666715	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0347029890	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0458293508	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0510614162	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0238673692	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0486328481	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0136603008	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0112368997	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0971494595	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0326636420	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0543967221	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0981090479	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0050398171	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0024953152	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0572224332	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0655437498	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0654033664	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0383894138	Yes	XXXXXX	XXXXXX	C	B	A	A	A	A	C	B
0175871836	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0532802456	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0539795985	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0886692551	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0077528066	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0776817002	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0700422107	Yes	XXXXXX	XXXXXX	D	A	D	A	B	A	A	A
0469237732	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0279074630	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0597602764	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0585769862	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0516241996	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0182483168	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0578660148	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0397859734	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0495435543	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0247298997	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0378085401	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0649985515	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0306950878	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0227343772	Yes	XXXXXX	XXXXXX	D	A	D	A	C	A	A	A
0294934064	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0269335847	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0084180641	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0060800852	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0917256174	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0428785772	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0191619427	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0228153100	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0091543427	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0359368667	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0883208966	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0202917913	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0965338091	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0978307325	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0233659091	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0041794511	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0803959459	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0568584608	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0659835600	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0254084698	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0680656432	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0432864946	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0339795039	Yes	XXXXXX	XXXXXX	C	A	A	A	C	A	A	A
0232780458	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0179558755	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0917481264	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0623270433	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0790024232	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0688088406	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0250112015	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0386434481	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0983762324	Yes	XXXXXX	XXXXXX	B	B	B	B	A	A	A	A
0925619358	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0732648036	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0129236503	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0526762569	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0799510728	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0124435137	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0447665250	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0819472121	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0561344210	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0636864926	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0660340844	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0261257494	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0754839285	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0498996672	Yes	XXXXXX	XXXXXX	C	A	C	A	A	A	A	A
0785810385	Yes	XXXXXX	XXXXXX	D	B	D	A	A	A	B	B
0098625785	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0796097917	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0477262538	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0739633317	Yes	XXXXXX	XXXXXX	D	B	A	A	A	A	D	B
0184454758	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0667804043	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0675363085	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0515806374	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0442895671	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0958107597	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0090454285	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0351699929	Yes	XXXXXX	XXXXXX	D	C	D	A	A	A	C	C
0309455657	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0467251553	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0482170093	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0167771153	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0577264814	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0603265183	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0966807923	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0366435929	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0681411787	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0468951600	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0716412069	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0854975823	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0069594413	Yes	XXXXXX	XXXXXX	D	A	D	A	A	A	A	A
0731837280	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0519535437	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A
0783350326	Yes	XXXXXX	XXXXXX	A	A	A	A	A	A	A	A

Alt Loan Number	Initial S&P Overall Loan Grade	Final S&P Overall Loan Grade	Initial S&P Credit Loan Grade	Final S&P Credit Loan Grade	Initial S&P Property Valuations Loan Grade	Final S&P Property Valuations Loan Grade	Initial S&P Compliance Loan Grade	Final S&P Compliance Loan Grade	Did Lender Acknowledge Exception at Origination
0768573298	A	A	A	A	A	A	A	A	No
0319666688	C	C	A	A	A	A	C	C	Not Applicable
0731285047	D	A	D	A	A	A	A	A	Not Applicable
0285148298	D	C	C	C	C	A	D	A	Not Applicable
0677149254	A	A	A	A	A	A	A	A	Not Applicable
0022327652	A	A	A	A	A	A	A	A	Not Applicable
0448199324	C	A	A	A	C	A	A	A	Not Applicable
0979702697	A	A	A	A	A	A	A	A	Not Applicable
0084674715	D	A	D	A	A	A	A	A	Not Applicable
0682513591	A	A	A	A	A	A	A	A	Not Applicable
0631100046	C	C	C	C	A	A	A	A	No
0122126215	A	A	A	A	A	A	A	A	Not Applicable
0558802088	D	A	D	A	A	A	D	A	Not Applicable
0483938595	A	A	A	A	A	A	A	A	Not Applicable
0823896986	B	B	A	A	A	A	B	B	Not Applicable
0395821304	D	A	D	A	A	A	A	A	Not Applicable
0762088184	D	A	D	A	A	A	A	A	Not Applicable
0727108009	A	A	A	A	A	A	A	A	Not Applicable
0293437949	A	A	A	A	A	A	A	A	Not Applicable
0856275986	D	A	D	A	A	A	A	A	No
0139126138	C	A	C	A	A	A	A	A	Not Applicable
0924268465	A	A	A	A	A	A	A	A	No
0433380233	A	A	A	A	A	A	A	A	Not Applicable
0692837942	A	A	A	A	A	A	A	A	Not Applicable
0744719764	A	A	A	A	A	A	A	A	Not Applicable
0814495634	A	A	A	A	A	A	A	A	Not Applicable
0286307252	A	A	A	A	A	A	A	A	Not Applicable
0302712902	D	A	C	A	D	A	A	A	No
0232744971	D	A	D	A	A	A	A	A	Not Applicable
0358926390	A	A	A	A	A	A	A	A	Not Applicable
0922243163	A	A	A	A	A	A	A	A	Not Applicable
0737455199	A	A	A	A	A	A	A	A	Not Applicable
0100600459	A	A	A	A	A	A	A	A	Not Applicable
0250172659	A	A	A	A	A	A	A	A	Not Applicable
0707729550	A	A	A	A	A	A	A	A	Not Applicable
0970632063	A	A	A	A	A	A	A	A	Not Applicable
0275169796	A	A	A	A	A	A	A	A	Not Applicable
0412261818	A	A	A	A	A	A	A	A	Not Applicable
0198488711	A	A	A	A	A	A	A	A	Not Applicable
0090662018	A	A	A	A	A	A	A	A	Not Applicable
0438399985	A	A	A	A	A	A	A	A	Not Applicable
0982918867	A	A	A	A	A	A	A	A	Not Applicable
0907750228	A	A	A	A	A	A	A	A	Not Applicable
0104243518	A	A	A	A	A	A	A	A	Not Applicable
0330817229	A	A	A	A	A	A	A	A	No
0646225824	D	A	D	A	A	A	A	A	Not Applicable
0491797903	A	A	A	A	A	A	A	A	Not Applicable
0617731917	A	A	A	A	A	A	A	A	Not Applicable
0277873241	A	A	A	A	A	A	A	A	Not Applicable
0429187388	A	A	A	A	A	A	A	A	Not Applicable
0749438453	D	A	D	A	A	A	A	A	Not Applicable
0125728577	A	A	A	A	A	A	A	A	Not Applicable
0911719968	A	A	A	A	A	A	A	A	Not Applicable
0438228435	D	A	D	A	A	A	A	A	Not Applicable
0699087315	A	A	A	A	A	A	A	A	Not Applicable
0658005021	A	A	A	A	A	A	A	A	No
0863116234	A	A	A	A	A	A	A	A	Not Applicable
0747244370	B	B	A	A	A	A	B	B	Not Applicable
0261690124	C	A	C	A	A	A	A	A	Not Applicable
0592639832	A	A	A	A	A	A	A	A	Not Applicable
0927952463	D	A	D	A	A	A	D	A	Not Applicable
0763373522	A	A	A	A	A	A	A	A	Not Applicable
0312775548	A	A	A	A	A	A	A	A	Not Applicable
0848208876	A	A	A	A	A	A	A	A	Not Applicable
0400983943	A	A	A	A	A	A	A	A	Not Applicable
0619867854	D	A	D	A	A	A	A	A	Not Applicable
0948460106	A	A	A	A	A	A	A	A	Not Applicable
0196158832	D	A	A	A	D	A	A	A	Not Applicable
0736718417	A	A	A	A	A	A	A	A	Not Applicable
0048461458	A	A	A	A	A	A	A	A	No
0954667394	A	A	A	A	A	A	A	A	Not Applicable
0672744922	A	A	A	A	A	A	A	A	Not Applicable
0672228067	A	A	A	A	A	A	A	A	Not Applicable
0695698811	A	A	A	A	A	A	A	A	Not Applicable
0777373449	A	A	A	A	A	A	A	A	Not Applicable
0491506662	C	A	A	A	C	A	A	A	No
0566748346	A	A	A	A	A	A	A	A	Not Applicable
0564223982	C	A	A	A	A	A	C	A	Not Applicable
0179599052	A	A	A	A	A	A	A	A	Not Applicable
0997270393	A	A	A	A	A	A	A	A	Not Applicable
0913281625	A	A	A	A	A	A	A	A	Not Applicable
0182655512	A	A	A	A	A	A	A	A	Not Applicable
0951154164	C	A	C	A	A	A	A	A	Not Applicable
0383693904	C	B	A	A	A	A	C	B	Not Applicable
0409455457	A	A	A	A	A	A	A	A	Not Applicable
0000760451	A	A	A	A	A	A	A	A	Not Applicable
0366635468	D	A	D	A	A	A	A	A	Not Applicable
0709474831	A	A	A	A	A	A	A	A	Not Applicable
0948354289	A	A	A	A	A	A	A	A	Not Applicable
0434552860	A	A	A	A	A	A	A	A	Not Applicable
0692763538	A	A	A	A	A	A	A	A	Not Applicable
0007649344	A	A	A	A	A	A	A	A	Not Applicable
0854997921	A	A	A	A	A	A	A	A	Not Applicable
0808499087	A	A	A	A	A	A	A	A	Not Applicable
0361478088	A	A	A	A	A	A	A	A	Not Applicable
0281653660	A	A	A	A	A	A	A	A	Not Applicable
0589645574	A	A	A	A	A	A	A	A	Not Applicable
0033021267	A	A	A	A	A	A	A	A	Not Applicable
0625400065	A	A	A	A	A	A	A	A	Not Applicable
0268962661	A	A	A	A	A	A	A	A	Not Applicable
0424310566	C	B	A	A	C	B	A	A	Not Applicable
0991799131	A	A	A	A	A	A	A	A	Not Applicable
0641472392	D	A	D	A	A	A	A	A	Not Applicable
0185870070	D	A	D	A	A	A	D	A	Not Applicable
0896455419	A	A	A	A	A	A	A	A	No
0965593191	A	A	A	A	A	A	A	A	Not Applicable
0388531249	A	A	A	A	A	A	A	A	No
0117325729	A	A	A	A	A	A	A	A	Not Applicable
0130231362	A	A	A	A	A	A	A	A	Not Applicable
0105732455	A	A	A	A	A	A	A	A	Not Applicable
0765711536	A	A	A	A	A	A	A	A	Not Applicable
0390412598	C	A	C	A	A	A	A	A	Not Applicable
0934735655	D	A	D	A	A	A	D	A	No
0421484065	A	A	A	A	A	A	A	A	Not Applicable
0609767074	A	A	A	A	A	A	A	A	Not Applicable
0424117010	A	A	A	A	A	A	A	A	Not Applicable
0231877912	A	A	A	A	A	A	A	A	Not Applicable
0875997430	A	A	A	A	A	A	A	A	Not Applicable
0162019058	A	A	A	A	A	A	A	A	Not Applicable
0437123537	A	A	A	A	A	A	A	A	Not Applicable
0771236177	A	A	A	A	A	A	A	A	Not Applicable
0654376922	A	A	A	A	A	A	A	A	Not Applicable
0687680816	A	A	A	A	A	A	A	A	Not Applicable
0718023678	A	A	A	A	A	A	A	A	Not Applicable
0365433704	A	A	A	A	A	A	A	A	Not Applicable
0310613302	A	A	A	A	A	A	A	A	Not Applicable
0466856056	D	A	A	A	D	A	A	A	Not Applicable
0271862720	D	A	D	A	A	A	A	A	Not Applicable
0863029571	A	A	A	A	A	A	A	A	Not Applicable
0655101511	C	A	C	A	A	A	A	A	Not Applicable
0103225063	A	A	A	A	A	A	A	A	Not Applicable
0525175315	A	A	A	A	A	A	A	A	Not Applicable
0672685397	B	A	A	A	B	A	A	A	Not Applicable
0915221629	A	A	A	A	A	A	A	A	Not Applicable
0763372304	A	A	A	A	A	A	A	A	Not Applicable
0258469560	A	A	A	A	A	A	A	A	Not Applicable
0987531306	A	A	A	A	A	A	A	A	Not Applicable
0086591234	D	A	D	A	A	A	D	A	Not Applicable
0744728035	A	A	A	A	A	A	A	A	Not Applicable
0641599178	C	A	A	A	C	A	A	A	Not Applicable
0687828886	D	A	D	A	A	A	A	A	Not Applicable
0422348629	B	B	A	A	A	A	B	B	Not Applicable
0140103783	A	A	A	A	A	A	A	A	Not Applicable
0049531058	A	A	A	A	A	A	A	A	Not Applicable
0379849286	A	A	A	A	A	A	A	A	Not Applicable
0590626586	B	B	B	B	A	A	A	A	Not Applicable
0184491359	C	A	C	A	A	A	A	A	Not Applicable
0107037493	C	A	C	A	A	A	A	A	Not Applicable
0794710575	A	A	A	A	A	A	A	A	Not Applicable
0575093630	A	A	A	A	A	A	A	A	Not Applicable
0026289338	C	B	A	A	A	A	C	B	No
0688405471	A	A	A	A	A	A	A	A	Not Applicable
0852387512	A	A	A	A	A	A	A	A	Not Applicable
0060688848	A	A	A	A	A	A	A	A	Not Applicable
0890791505	A	A	A	A	A	A	A	A	Not Applicable
0521396208	A	A	A	A	A	A	A	A	Yes
0082402747	A	A	A	A	A	A	A	A	Not Applicable
0094199639	A	A	A	A	A	A	A	A	Not Applicable
0392522446	D	A	D	A	A	A	A	A	Not Applicable
0233992178	A	A	A	A	A	A	A	A	Not Applicable
0106099595	A	A	A	A	A	A	A	A	Not Applicable
0912204842	A	A	A	A	A	A	A	A	Not Applicable
0438506385	A	A	A	A	A	A	A	A	Not Applicable
0345893182	A	A	A	A	A	A	A	A	Not Applicable
0355558488	C	A	A	A	A	A	C	A	Not Applicable
0443712949	C	A	C	A	A	A	A	A	No
0856381386	C	A	C	A	A	A	A	A	No
0284701760	A	A	A	A	A	A	A	A	Not Applicable
0361566465	A	A	A	A	A	A	A	A	Not Applicable
0674168088	A	A	A	A	A	A	A	A	Not Applicable
0127923761	A	A	A	A	A	A	A	A	Not Applicable
0867881207	A	A	A	A	A	A	A	A	Not Applicable
0993924096	A	A	A	A	A	A	A	A	No
0953504310	D	A	D	A	A	A	A	A	Not Applicable
0809055353	D	A	A	A	A	A	D	A	Not Applicable
0750841857	D	A	D	A	A	A	A	A	Not Applicable
0566700968	A	A	A	A	A	A	A	A	Not Applicable
0837279555	A	A	A	A	A	A	A	A	Not Applicable
0037853603	A	A	A	A	A	A	A	A	Not Applicable
0701661193	A	A	A	A	A	A	A	A	Not Applicable
0025101105	C	B	A	A	C	B	C	B	Not Applicable
0129891920	A	A	A	A	A	A	A	A	Not Applicable
0546990370	A	A	A	A	A	A	A	A	Not Applicable
0572160983	A	A	A	A	A	A	A	A	No
0408887673	D	A	C	A	A	A	D	A	Not Applicable
0642734084	A	A	A	A	A	A	A	A	Not Applicable
0562618890	A	A	A	A	A	A	A	A	Not Applicable
0043069274	D	A	D	A	A	A	A	A	Not Applicable
0224339241	A	A	A	A	A	A	A	A	Not Applicable
0289065655	B	B	B	B	A	A	A	A	Not Applicable
0891180373	A	A	A	A	A	A	A	A	No
0869128653	C	B	A	A	A	A	C	B	Not Applicable
0423247515	D	A	D	A	A	A	D	A	Not Applicable
0394508041	A	A	A	A	A	A	A	A	Not Applicable
0260833803	A	A	A	A	A	A	A	A	Not Applicable
0064468511	A	A	A	A	A	A	A	A	Not Applicable
0633931915	A	A	A	A	A	A	A	A	Not Applicable
0997081155	C	B	A	A	A	A	C	B	Not Applicable
0442616315	D	A	D	A	A	A	A	A	Not Applicable
0168718369	A	A	A	A	A	A	A	A	Not Applicable
0773363825	A	A	A	A	A	A	A	A	Not Applicable
0015217157	A	A	A	A	A	A	A	A	Not Applicable
0393159431	A	A	A	A	A	A	A	A	Not Applicable
0193010342	C	A	A	A	C	A	A	A	Not Applicable
0788203503	A	A	A	A	A	A	A	A	Not Applicable
0893774882	A	A	A	A	A	A	A	A	Not Applicable
0019627470	A	A	A	A	A	A	A	A	Not Applicable
0513443774	A	A	A	A	A	A	A	A	Not Applicable
0369077661	A	A	A	A	A	A	A	A	Not Applicable
0916033478	A	A	A	A	A	A	A	A	Not Applicable
0751800846	A	A	A	A	A	A	A	A	Not Applicable
0316146764	A	A	A	A	A	A	A	A	Not Applicable
0013378020	A	A	A	A	A	A	A	A	No
0980481427	A	A	A	A	A	A	A	A	Not Applicable
0956450785	A	A	A	A	A	A	A	A	Not Applicable
0109749100	A	A	A	A	A	A	A	A	Not Applicable
0886436008	A	A	A	A	A	A	A	A	Not Applicable
0852831405	A	A	A	A	A	A	A	A	Not Applicable
0468786757	A	A	A	A	A	A	A	A	Not Applicable
0076932622	A	A	A	A	A	A	A	A	Not Applicable
0549451434	A	A	A	A	A	A	A	A	Not Applicable
0305703683	A	A	A	A	A	A	A	A	Not Applicable
0795424166	D	A	D	A	A	A	A	A	Not Applicable
0393871528	A	A	A	A	A	A	A	A	Not Applicable
0727778718	A	A	A	A	A	A	A	A	Not Applicable
0988192581	A	A	A	A	A	A	A	A	Not Applicable
0951557054	A	A	A	A	A	A	A	A	Not Applicable
0862400746	A	A	A	A	A	A	A	A	Not Applicable
0313600462	D	A	D	A	A	A	A	A	No
0611023241	A	A	A	A	A	A	A	A	Not Applicable
0743457455	A	A	A	A	A	A	A	A	No
0053021226	A	A	A	A	A	A	A	A	Not Applicable
0708723087	A	A	A	A	A	A	A	A	Not Applicable
0862197956	A	A	A	A	A	A	A	A	Not Applicable
0683462782	A	A	A	A	A	A	A	A	Not Applicable
0587134328	A	A	A	A	A	A	A	A	Not Applicable
0814655966	A	A	A	A	A	A	A	A	Not Applicable
0535467604	A	A	A	A	A	A	A	A	Not Applicable
0179768441	A	A	A	A	A	A	A	A	Not Applicable
0542493879	A	A	A	A	A	A	A	A	Not Applicable
0767908169	A	A	A	A	A	A	A	A	Not Applicable
0314486183	A	A	A	A	A	A	A	A	Yes
0354253272	A	A	A	A	A	A	A	A	Not Applicable
0550240227	A	A	A	A	A	A	A	A	Not Applicable
0018761711	A	A	A	A	A	A	A	A	Not Applicable
0355102302	D	B	D	B	A	A	A	A	Not Applicable
0705599427	A	A	A	A	A	A	A	A	Not Applicable
0398678082	A	A	A	A	A	A	A	A	Not Applicable
0689666715	B	B	B	B	A	A	A	A	Yes
0347029890	A	A	A	A	A	A	A	A	Not Applicable
0458293508	A	A	A	A	A	A	A	A	Not Applicable
0510614162	A	A	A	A	A	A	A	A	Not Applicable
0238673692	A	A	A	A	A	A	A	A	Not Applicable
0486328481	A	A	A	A	A	A	A	A	Not Applicable
0136603008	A	A	A	A	A	A	A	A	No
0112368997	A	A	A	A	A	A	A	A	Not Applicable
0971494595	A	A	A	A	A	A	A	A	Not Applicable
0326636420	A	A	A	A	A	A	A	A	Not Applicable
0543967221	C	A	C	A	A	A	A	A	Not Applicable
0981090479	A	A	A	A	A	A	A	A	Not Applicable
0050398171	A	A	A	A	A	A	A	A	Not Applicable
0024953152	A	A	A	A	A	A	A	A	Not Applicable
0572224332	A	A	A	A	A	A	A	A	No
0655437498	A	A	A	A	A	A	A	A	Not Applicable
0654033664	D	A	D	A	A	A	A	A	Not Applicable
0383894138	C	B	A	A	A	A	C	B	Not Applicable
0175871836	B	B	B	B	A	A	A	A	Not Applicable
0532802456	A	A	A	A	A	A	A	A	Not Applicable
0539795985	A	A	A	A	A	A	A	A	Not Applicable
0886692551	D	A	D	A	A	A	A	A	Not Applicable
0077528066	A	A	A	A	A	A	A	A	Not Applicable
0776817002	A	A	A	A	A	A	A	A	Not Applicable
0700422107	D	A	D	A	B	A	A	A	Not Applicable
0469237732	A	A	A	A	A	A	A	A	Not Applicable
0279074630	A	A	A	A	A	A	A	A	Not Applicable
0597602764	A	A	A	A	A	A	A	A	Not Applicable
0585769862	A	A	A	A	A	A	A	A	Not Applicable
0516241996	A	A	A	A	A	A	A	A	No
0182483168	A	A	A	A	A	A	A	A	Not Applicable
0578660148	C	A	C	A	A	A	A	A	Not Applicable
0397859734	A	A	A	A	A	A	A	A	Not Applicable
0495435543	C	A	C	A	A	A	A	A	Not Applicable
0247298997	A	A	A	A	A	A	A	A	Not Applicable
0378085401	A	A	A	A	A	A	A	A	Not Applicable
0649985515	A	A	A	A	A	A	A	A	Not Applicable
0306950878	A	A	A	A	A	A	A	A	Not Applicable
0227343772	D	A	D	A	C	A	A	A	Not Applicable
0294934064	A	A	A	A	A	A	A	A	No
0269335847	A	A	A	A	A	A	A	A	Not Applicable
0084180641	D	A	D	A	A	A	A	A	Not Applicable
0060800852	A	A	A	A	A	A	A	A	Not Applicable
0917256174	A	A	A	A	A	A	A	A	Not Applicable
0428785772	D	A	D	A	A	A	A	A	Not Applicable
0191619427	A	A	A	A	A	A	A	A	Not Applicable
0228153100	A	A	A	A	A	A	A	A	Not Applicable
0091543427	A	A	A	A	A	A	A	A	Not Applicable
0359368667	A	A	A	A	A	A	A	A	No
0883208966	A	A	A	A	A	A	A	A	No
0202917913	A	A	A	A	A	A	A	A	Not Applicable
0965338091	A	A	A	A	A	A	A	A	Not Applicable
0978307325	A	A	A	A	A	A	A	A	Not Applicable
0233659091	A	A	A	A	A	A	A	A	Not Applicable
0041794511	A	A	A	A	A	A	A	A	Not Applicable
0803959459	A	A	A	A	A	A	A	A	Not Applicable
0568584608	A	A	A	A	A	A	A	A	Not Applicable
0659835600	A	A	A	A	A	A	A	A	Not Applicable
0254084698	A	A	A	A	A	A	A	A	Not Applicable
0680656432	A	A	A	A	A	A	A	A	Not Applicable
0432864946	A	A	A	A	A	A	A	A	No
0339795039	C	A	A	A	C	A	A	A	Not Applicable
0232780458	A	A	A	A	A	A	A	A	Not Applicable
0179558755	D	A	D	A	A	A	A	A	Not Applicable
0917481264	A	A	A	A	A	A	A	A	Not Applicable
0623270433	A	A	A	A	A	A	A	A	Not Applicable
0790024232	D	A	D	A	A	A	A	A	Not Applicable
0688088406	A	A	A	A	A	A	A	A	Not Applicable
0250112015	A	A	A	A	A	A	A	A	Not Applicable
0386434481	A	A	A	A	A	A	A	A	Not Applicable
0983762324	B	B	B	B	A	A	A	A	Not Applicable
0925619358	A	A	A	A	A	A	A	A	Not Applicable
0732648036	C	A	C	A	A	A	A	A	Not Applicable
0129236503	A	A	A	A	A	A	A	A	Not Applicable
0526762569	A	A	A	A	A	A	A	A	Not Applicable
0799510728	A	A	A	A	A	A	A	A	Not Applicable
0124435137	A	A	A	A	A	A	A	A	Not Applicable
0447665250	A	A	A	A	A	A	A	A	Not Applicable
0819472121	A	A	A	A	A	A	A	A	Not Applicable
0561344210	A	A	A	A	A	A	A	A	Not Applicable
0636864926	D	A	D	A	A	A	A	A	Not Applicable
0660340844	C	A	C	A	A	A	A	A	Not Applicable
0261257494	A	A	A	A	A	A	A	A	Not Applicable
0754839285	A	A	A	A	A	A	A	A	Not Applicable
0498996672	C	A	C	A	A	A	A	A	Not Applicable
0785810385	D	B	D	A	A	A	B	B	Not Applicable
0098625785	D	A	D	A	A	A	A	A	Not Applicable
0796097917	A	A	A	A	A	A	A	A	Not Applicable
0477262538	A	A	A	A	A	A	A	A	Not Applicable
0739633317	D	B	A	A	A	A	D	B	Not Applicable
0184454758	D	A	D	A	A	A	A	A	Not Applicable
0667804043	A	A	A	A	A	A	A	A	Not Applicable
0675363085	A	A	A	A	A	A	A	A	Not Applicable
0515806374	D	A	D	A	A	A	A	A	Not Applicable
0442895671	A	A	A	A	A	A	A	A	Not Applicable
0958107597	A	A	A	A	A	A	A	A	Not Applicable
0090454285	A	A	A	A	A	A	A	A	Not Applicable
0351699929	D	C	D	A	A	A	C	C	Not Applicable
0309455657	A	A	A	A	A	A	A	A	Not Applicable
0467251553	A	A	A	A	A	A	A	A	Not Applicable
0482170093	A	A	A	A	A	A	A	A	Not Applicable
0167771153	A	A	A	A	A	A	A	A	Not Applicable
0577264814	A	A	A	A	A	A	A	A	Not Applicable
0603265183	A	A	A	A	A	A	A	A	Not Applicable
0966807923	A	A	A	A	A	A	A	A	Not Applicable
0366435929	A	A	A	A	A	A	A	A	Not Applicable
0681411787	A	A	A	A	A	A	A	A	Not Applicable
0468951600	A	A	A	A	A	A	A	A	Not Applicable
0716412069	A	A	A	A	A	A	A	A	Not Applicable
0854975823	A	A	A	A	A	A	A	A	Not Applicable
0069594413	D	A	D	A	A	A	A	A	Not Applicable
0731837280	A	A	A	A	A	A	A	A	Not Applicable
0519535437	A	A	A	A	A	A	A	A	Not Applicable
0783350326	A	A	A	A	A	A	A	A	Not Applicable