ABS-15G

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER

REPORT PURSUANT TO SECTION 15G OF

THE SECURITIES EXCHANGE ACT OF 1934

WELLS FARGO ASSET SECURITIES CORPORATIoN

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

____ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in
connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) [  ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [  ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [  ]

  X   Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 1011663

Wells Fargo Mortgage Backed Securities 2019-1 Trust

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): _______________

Central Index Key Number of underwriter (if applicable): ________________

Diane Wold — 952-242-2302

Name and telephone number, including area code, of the person to contact in
connection with this filing

PART I: REPRESENTATION AND WARRANTY INFORMATION

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

99.1 Clayton Services LLC (“Clayton”) Due Diligence Narrative Report

99.2 Clayton Loan Level Tape Compare

99.3 Clayton Rating Agency ATR QM Data Fields

99.4 Clayton Valuations Summary

99.5 Clayton Conditions Report

99.6 Clayton Waived Exception Summary

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Wells fargo asset securities corporation
	(Depositor)
Date: January 9, 2019	/s/ Peter R. Diliberti
	Name: Peter R. Diliberti
	Title: President (senior officer in charge of securitization)

EX-99.1

Exhibit 99.1

 

WFMBS 2019-1

 

December 12, 2018

Due Diligence Narrative Report

 

Table of Contents

Clayton Contact Information	2
Overview	2
Originators	2
Clayton’s Third Party Review (“TPR”) Scope of Work	2
Sampling	3
Sponsor Acquisition Criteria	3
Loan Grading	3
TPR Component Review Scope	3
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	4
Data Integrity	5
Data Capture	6
Data Compare Results	6
Clayton Due Diligence Results	7
Clayton Third Party Reports Delivered	8
Appendix A: Credit Review Scope	10
Appendix B: Origination Appraisal Assessment	13
Appendix C: Regulatory Compliance Review Scope	16

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Clayton Contact Information

Client Service Management:

	Stephany Wright	Client Service Manager
		Phone: (813) 371-0269/E-mail:  swright@clayton.com
	Joe Ozment	Director of Securitization
		Phone: (813) 261-0733/E-mail: jozment@clayton.com

 Overview

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2019-1). The loans referenced in this narrative report were reviewed from 07-2018 to 09-2019 at Clayton’s centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton’s review.

Originators

Origination channels for the loans in this review:

Origination Channel	Loan Count	Percentage
Correspondent Flow without delegated underwriting	75	7.30%
Correspondent Flow with delegated underwriting	128	12.40%
Retail	827	80.30%
Total	1,030	100.00%

Clayton’s Third Party Review (“TPR”) Scope of Work

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency ¹ loan level review standards in place as of the date of the review. This is referred to as a “Full Review”.

¹ Standard and Poor’s, Moody’s, Fitch, Kroll, DBRS, and Morningstar

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Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts 

Review Type	Loan Count Reviewed by Clayton	Scope Applied
Full Review	1,030	Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population	1,030

Sponsor Acquisition Criteria

The loans were originated to Guidelines and Clayton reviewed the loans to the, Wells Fargo Home Mortgage Non-Conforming Seller Guidelines dated 06-2018 and Wells Fargo Home Mortgage Retail Guidelines 6-18-2018. Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton’s loan grading is solely based on Clayton’s independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton’s loan grading complied with rating agency grading definitions published by Moody’s, Standard and Poor’s, Fitch, Kroll, Morningstar and DBRS.

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

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Credit Review

Clayton’s Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to Appendix A and to the guidelines cited above):

§ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;

§ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

§ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;

§ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

§ Evaluated evidence of borrower’s willingness and ability to repay the obligation;

§ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry (“NMLS”) and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review 

Clayton’s Property Valuation scope of review conducted on this transaction included the following elements:

§ Original Appraisal Assessment

– Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

– For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

§ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. A Desk Review or a 2nd full origination appraisal was used to reconcile the original appraisal within a 10% variance. If a loan fell outside of a 10% variance then a Field Review was ordered to reconcile within a 10% variance.

– 1,025 loans had Desktop Reviews

– 5 loans had 2 Full Origination Appraisals in file

– 53 loans required a Field Review (1 loan had a second Field Review)

Regulatory Compliance Review

Clayton’s Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to Appendix C and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

§ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

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§ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

§ Truth-in-lending/regulation Z (TILA) testing included the following:

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower’s ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.  Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan’s undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender’s exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

– Prepayment Penalty restrictions.

– TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

§ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

– GFE to HUD1 evaluation for 0% and 10% fee tolerances;

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps: 

§ Tape data received from lender/client is stored in eCLAS;

§ Loan Reviewer collects validated loan data in eCLAS;

§ Each received data point is compared to its counterpart collected data point;

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§ Discrepancies found during comparison are stored

Data Capture

Clayton collected data fields required to create American Securitization Forum (“ASF”) and Standard and Poor’s LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Data Compare Results

Clayton provided Wells Fargo Home Mortgage, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

Field Name	#	Accuracy %
Borrower 1 First Time Home Buyer	22	97.86%
Borrower 1 Self Employed Flag	4	99.61%
Borrower 2 First Time Home Buyer	6	99.42%
Cash Reserves	32	96.89%
Combined LTV	5	99.51%
Debt to Income Ratio (Back)	54	94.76%
Loan Purpose	4	99.61%
Number of Units	1	99.90%
Original Appraised Value	12	98.83%
Original LTV	5	99.51%
Property City	1	99.90%
Property Type	49	95.24%
Representative Credit Score for Grading	5	99.51%
Sales Price	9	99.13%
Total Cash Out	55	94.66%

Note: Cash Reserves- The results varied due to, Clayton applying percentages of liquidity. Whereas Wells Fargo Home Mortgages tape reflected 100 percent of assets.

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Clayton Due Diligence Results

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

Initial and Final Overall Loan Grade Results

	Overall Grade Migration
	Initial
Final		A	B	C	D	Total
	A	607	2	47	57	713
	B		209	64	43	316
	C			1		1
	D					0
	Total	607	211	112	100	1,030

*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Initial and Final Credit Component Grade Results

	Credit Grade Migration
	Initial
Final		A	B	C	D	Total
	A	846	3	12	44	905
	B		103	16	6	125
	C					0
	D					0
	Total	846	106	28	50	1,030

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Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	943	3	44	32	1,022
	B		4	2	1	7
	C			1		1
	D					0
	Total	943	7	47	33	1,030

Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	758		18	27	803
	B		170	39	18	227
	C					0
	D					0
	Total	758	170	57	45	1,030

Clayton Third Party Reports Delivered

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Clayton furnished the following reports on this transaction:

1. Narrative Report

2. Conditions Report

3. Loan Level Tape Compare Upload

4. Valuations Summary Reports

5. Rating Agency ATR/QM Data Fields

6. Waived Conditions Summary

7. Valuations Summary

8. ASF Upload

9. Attestation Forms

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Appendix A: Credit Review Scope

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

o DTI

o LTV/TLTV/HLTV

o Credit score

o Income and employment

o Assets and reserves

o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

o Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

o Transaction eligibility, including:

– Maximum loan amount

– Loan purpose

– Occupancy

o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

o Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

o Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

o Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

§ Signed by all borrowers and processed by the originator

§ Compared IRS tax transcripts to income documentation and noted any inconsistencies

– Income was recalculated and was documented with applicable documentation, including:

§ Tax returns

§ Financial statements

§ Paystubs

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§ W-2s

§ 1099

§ IRS documents

§ Bank statements

§ Lease agreements

§ Award letters

§ Other documentation in loan file

o Asset review included:

– Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

§ Verification of deposits (VOD)

§ Depository account statements

§ Stock or security account statements

§ Gift funds

§ Settlements statements

§ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

§ Other documentation in loan file

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

o Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

– Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

o Title policy review included:

– Title interest – determined if

§ Fee simple

§ Leasehold estate

– Appropriate vestee(s) were listed on title policy

– Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

– Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

o HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower’s assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

o Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

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§ Correct borrower

§ Correct property

§ Correct lender

§ Correct loan number

§ Life of loan, if flood insurance required

– Confirmed that any required insurance minimum coverage amount and policy period

– Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the lender’s name and “it’s successors and assigns”

– Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

o Mortgage Insurance review included:

– Determined if mortgage insurance is required

– Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped “true and certified copy” by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan file to identify and address any potential misrepresentations including:

o Borrower identity

– Social Security inconsistencies

– Borrower name variations

o Occupancy

– Borrower address history

– Subject property ownership history

o Employment

o Licensing - reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

o OFAC

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Appendix B: Origination Appraisal Assessment

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

§ Subject front, rear and street photos and valued features

§ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

§ Photos of all comparable sales and listings

§ Location map

§ Exterior sketch of property with dimensions

§ 1004MC Market Conditions Report

- Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.

- Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants

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o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

- Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

o Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

- Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was “highest and best use”

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

§ Location

§ % built up

§ Growth rate

§ Demand/supply

§ Marketing time

§ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

o Condotel units

o Unique properties

o Working farms, ranches or orchards

o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

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o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

o The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute “appraisal reviews” for purposes of USPAP or Federal or State law.

o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

o Clayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

o Clayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

o Clear Capital “CDA” means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided.  The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer. 

o ProTeck’s Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates  subject and comparable data and characteristics, confirms the original appraiser’s methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

o RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser.  The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value.

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Appendix C: Regulatory Compliance Review Scope

This appendix provides an overview of Clayton’s proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton’s state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton’s proprietary due diligence platform, eCLAS. Not all compliance requirements the engine may test are applicable for the subject pool.

Federal Law

A. RESPA and Regulation X: Loan level analysis on the following, on loans where applicable.

o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

B. Truth in Lending Act and Regulation Z - Loan level analysis on the following, on loans where applicable.

o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

o High Cost mortgage thresholds for points and fees (Section 32)

o High Cost Prohibited Acts and Practices upon request (Section 33)

o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

o TILA/RESPA Integrated Disclosure Rule: “The Initial TRID Scope”

§ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)

§ Pre-application Requirement Testing:

· Pre-application forms cannot look similar to the LE

· Pre-application forms must contain the required disclaimer (“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan”).

§ Timing Requirements:

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· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

§ Fee Tolerances:

· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

· If a credit or refund is made, that it is sufficient to cover Clayton’s calculated under-disclosure.

§ Payment Schedule Accuracy:

· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton’s calculated payment schedule.

· Interest-only periods and final balloon payments are accurately completed.

· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

· When applicable, that the AIR and AP tables are consistent with Clayton’s calculations.

§ Accuracy of the Loan Calculations

· Amount Financed

· Finance Charge

· Total of Payments

· Total interest percentage

§ Technical Requirements

· Compliance with the TRID rounding rules.

· Compliance with specified formatting requirements.

· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

· Alphabetization of fees.

· Title fees preceded by “Title –.”

· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

§ Consistency within and across forms

· Once a fee is disclosed it must remain substantially the same name across disclosures.

· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

§ Completion of the LE and CD

· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

· That there is either a signature or a Loan Acceptance statement on the form.

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§ Waivers

· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

§ Corrected CD requiring a new waiting period

· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

§ Post-Close CD’s

· Corrected CD’s provided with a post-close refund.

· Post-close CD’s to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

· Post-close CD’s to correct non-numerical clerical errors required within 60 days of consummation.

§ Related Documentation

· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

· Affiliated Business Disclosure (can impact fee tolerances)

§ Outside of Clayton’s default TRID scope:

· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

· Whether the Liability after Foreclosure selection is correct for the property state.

· Accuracy of the Aggregate Adjustment amount.

· Presence and accuracy of the Seller’s Transaction columns of the Summaries of Transactions section.

· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

C. FACTA - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures.

D. HMDA – Whether the loans is Rate Spread threshold reportable, on applicable loans.

STATE, COUNTY and MUNICIPAL LAW

A. Higher-Priced

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

Higher-Priced
California	Maryland	New York
Connecticut	Massachusetts (subprime ARMS to first time homebuyers)	North Carolina

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Maine Minnesota

B. State/Local High Cost

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

State/Local High Cost
Arkansas	Maine	Pennsylvania
California	Maryland	Rhode Island, including the Providence ordinance
Colorado	Massachusetts	South Carolina
Connecticut	Nevada	Tennessee
District of Columbia	New Jersey	Texas
Florida	New Mexico	Utah
Georgia	New York	Vermont (High Rate, High Point law)
Illinois, including the Cook County and Chicago ordinances	North Carolina	Wisconsin
Indiana	Ohio, including Cleveland Heights ordinance
Kentucky	Oklahoma

C. Anti-Predatory

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

· Minnesota (Mortgage Originator and Service Licensing Act)

· Puerto Rico (Office Regulation 5722)

· Texas (Texas Finance Code)

· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

D. Borrower’s Interest

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower’s interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

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Borrower’s Interest
Maine	Ohio	South Carolina
Massachusetts	Rhode Island

E. Consumer Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

Consumer Protection
Alabama (the “Mini-code”)	Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act)
Hawaii (Financial Services Loan Company Act)	Nevada (AB 440
Idaho (Residential Mortgage Practices Act)	Ohio (Consumer Sales Practices Act; whether the loan is in Summit County)
Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act)	Texas (Article XVI, Section 50(a)(6) of the Texas Constitution)
Iowa (Consumer Credit Code)	Utah (Consumer Credit Code)
Kansas (Consumer Credit Code)	Virginia (Mortgage Lender and Broker Act)
Kentucky (HB 552)	Washington (Consumer Loan Act and Responsible Mortgage Lending Act)
Maryland (DLLR Regulations, Commercial Law)	West Virginia (Consumer Credit Protection Act)
Massachusetts (Attorney General regulations)	Wyoming (Residential Mortgage Practices Act)
Michigan (Consumer Mortgage Protection Act)

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

F. Texas Equity

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

GSE Testing

Clayton can review loans to determine whether they comply with Fannie Mae’s and Freddie Mac’s Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

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Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

© 2017 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

WFMBS 2019-1 Due Diligence Narrative Report Page | 21 December 12, 2018

EX-99.2

Exhibit 99.2

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	7/12/18 TO 9/21/18
Deal Loan Count:	1,030
Report Run Date:	11/7/2018 14:24
Loan Level Tape Compare Upload
Loans in Report	1,030

Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
8152003	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
10986960	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
10986960	XXXXX	Property Type	SFR-Attached	Attached PUD
21056348	XXXXX	Cash Reserves	93204.27	93709.70
35239899	XXXXX	Debt to Income Ratio (Back)	42.7000	37.1281
38665471	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
44191174	XXXXX	Total Cash Out	307450.81	308145.81
45116907	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
52233364	XXXXX	Debt to Income Ratio (Back)	18.0600	15.9107
64324623	XXXXX	Total Cash Out	323643.35	321358.27
71228505	XXXXX	Borrower 2 First Time Home Buyer	Yes	No
71618558	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
83139506	XXXXX	Representative Credit Score for Grading	800	812
83610438	XXXXX	Borrower 2 First Time Home Buyer	Yes	No
90525176	XXXXX	Cash Reserves	217291.48	228048.97
90525176	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
91281745	XXXXX	Cash Reserves	113474.40	114139.49
93280417	XXXXX	Debt to Income Ratio (Back)	36.0100	40.6885
101939809	XXXXX	Property Type	SFR-Attached	Attached PUD
107878708	XXXXX	Debt to Income Ratio (Back)	26.3000	23.2059
108909842	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
110833760	XXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
111957265	XXXXX	Debt to Income Ratio (Back)	38.8700	33.3133
111957265	XXXXX	Total Cash Out	495675.89	496249.68
112554815	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
116986907	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
120722895	XXXXX	Total Cash Out	119502.00	120024.43
121431033	XXXXX	Cash Reserves	534949.06	535938.07
121431033	XXXXX	Property Type	SFR-Attached	Attached PUD
123912332	XXXXX	Total Cash Out	163897.45	164419.88
124292839	XXXXX	Original Appraised Value	XXXXX	XXXXX
140249386	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
141520251	XXXXX	Cash Reserves	178166.47	190742.49
141520251	XXXXX	Property Type	SFR-Attached	Attached PUD
142891226	XXXXX	Number of Units	1	2
142891226	XXXXX	Property Type	SFR	2 Family
147808644	XXXXX	Cash Reserves	95388.46	97159.95
148928706	XXXXX	Debt to Income Ratio (Back)	21.7300	15.0262
164030071	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
165629269	XXXXX	Property Type	SFR-Attached	Attached PUD
181700581	XXXXX	Original Appraised Value	XXXXX	XXXXX
181700581	XXXXX	Total Cash Out	592255.61	592950.61
181967666	XXXXX	Total Cash Out	494255.77	496301.41
187347410	XXXXX	Property Type	Detached PUD	Attached PUD
191927482	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
196540102	XXXXX	Debt to Income Ratio (Back)	29.4400	23.6137
197222538	XXXXX	Sales Price	XXXXX	XXXXX
207280745	XXXXX	Borrower 1 Self Employed Flag	No	Yes
208635607	XXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
211138295	XXXXX	Total Cash Out	270241.99	270877.42
220579384	XXXXX	Debt to Income Ratio (Back)	29.2000	31.3739
221285703	XXXXX	Total Cash Out	375957.69	376494.91
221506177	XXXXX	Total Cash Out	82732.64	82994.87
228158610	XXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
228436959	XXXXX	Total Cash Out	88650.21	89180.64
228614070	XXXXX	Cash Reserves	436795.33	436207.42
228614070	XXXXX	Debt to Income Ratio (Back)	34.4100	28.1999
228614070	XXXXX	Total Cash Out	533422.00	533794.43
235009627	XXXXX	Debt to Income Ratio (Back)	36.7000	33.9660
239693695	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
239888391	XXXXX	Property Type	SFR-Attached	Attached PUD
242035415	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
242035415	XXXXX	Debt to Income Ratio (Back)	22.6400	31.8266
242268581	XXXXX	Total Cash Out	239065.69	239760.69
251476784	XXXXX	Property Type	SFR-Attached	Attached PUD
256240448	XXXXX	Cash Reserves	312909.92	310446.66
256828822	XXXXX	Property Type	Low Rise Condo (1-4)	High Rise Condo (9+)
258476374	XXXXX	Debt to Income Ratio (Back)	26.5800	10.8095
263321717	XXXXX	Debt to Income Ratio (Back)	29.8200	35.3329
268610599	XXXXX	Total Cash Out	456306.85	457001.85
269354136	XXXXX	Debt to Income Ratio (Back)	21.3900	24.1257
269354136	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
269643387	XXXXX	Cash Reserves	235118.60	231191.10
269643387	XXXXX	Property Type	SFR-Attached	Attached PUD
274614979	XXXXX	Total Cash Out	495113.31	495808.31
275686962	XXXXX	Original Appraised Value	XXXXX	XXXXX
275686962	XXXXX	Total Cash Out	755323.50	755959.50
280298830	XXXXX	Cash Reserves	449413.67	450795.45
286681919	XXXXX	Property Type	SFR-Attached	Attached PUD
291123340	XXXXX	Total Cash Out	524438.63	524729.34
295340277	XXXXX	Total Cash Out	124970.45	125555.88
296310550	XXXXX	Debt to Income Ratio (Back)	41.5600	14.9683
303767598	XXXXX	Cash Reserves	344586.74	339438.43
304031245	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
304099588	XXXXX	Debt to Income Ratio (Back)	28.5000	24.5337
306488506	XXXXX	Cash Reserves	1163479.60	1176899.22
312469838	XXXXX	Total Cash Out	498444.67	499075.10
313736465	XXXXX	Total Cash Out	497096.69	497672.19
324760773	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
325467878	XXXXX	Cash Reserves	76869.42	78790.12
333137496	XXXXX	Debt to Income Ratio (Back)	38.6400	34.1755
334150332	XXXXX	Cash Reserves	221309.39	221814.29
336530573	XXXXX	Debt to Income Ratio (Back)	34.9400	29.3089
336530573	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
343868694	XXXXX	Sales Price	XXXXX	XXXXX
345305171	XXXXX	Total Cash Out	85577.42	86087.85
345430447	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
346268595	XXXXX	Cash Reserves	159639.09	161535.73
359455693	XXXXX	Cash Reserves	2888066.17	2905269.96
359603213	XXXXX	Debt to Income Ratio (Back)	25.9600	29.8169
361100646	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
361100646	XXXXX	Cash Reserves	199349.19	197296.01
364125587	XXXXX	Property Type	SFR-Attached	Attached PUD
367424726	XXXXX	Total Cash Out	138245.23	138771.66
373277495	XXXXX	Total Cash Out	78110.99	78615.42
382131248	XXXXX	Borrower 1 Self Employed Flag	Yes	No
382809856	XXXXX	Borrower 1 Self Employed Flag	Yes	No
382809856	XXXXX	Debt to Income Ratio (Back)	42.2200	39.4839
382809856	XXXXX	Original Appraised Value	XXXXX	XXXXX
383092811	XXXXX	Debt to Income Ratio (Back)	36.4000	32.3344
384899216	XXXXX	Property Type	SFR-Attached	Attached PUD
386496006	XXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
394744907	XXXXX	Representative Credit Score for Grading	790	767
398169158	XXXXX	Cash Reserves	104428.08	106561.58
401981444	XXXXX	Debt to Income Ratio (Back)	39.5400	34.5808
401981444	XXXXX	Representative Credit Score for Grading	769	772
413937573	XXXXX	Borrower 2 First Time Home Buyer	Yes	No
415330987	XXXXX	Debt to Income Ratio (Back)	27.3700	30.2854
415508042	XXXXX	Total Cash Out	160801.07	161374.79
415869528	XXXXX	Debt to Income Ratio (Back)	29.1500	31.3235
422177136	XXXXX	Debt to Income Ratio (Back)	40.2300	29.2751
424472077	XXXXX	Property Type	SFR-Attached	Attached PUD
425736098	XXXXX	Cash Reserves	151583.33	152649.50
427743697	XXXXX	Total Cash Out	756745.10	757440.10
432139645	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
434878811	XXXXX	Debt to Income Ratio (Back)	26.3800	18.4548
439289410	XXXXX	Total Cash Out	90553.68	91064.11
439383560	XXXXX	Debt to Income Ratio (Back)	24.8600	27.1190
440659073	XXXXX	Cash Reserves	132895.99	131724.22
442157521	XXXXX	Sales Price	XXXXX	XXXXX
455502093	XXXXX	Borrower 1 First Time Home Buyer	No	Yes
468476932	XXXXX	Total Cash Out	248863.22	245963.81
473340582	XXXXX	Cash Reserves	189171.71	191369.84
476259843	XXXXX	Combined LTV	79.99	78.79
476259843	XXXXX	Original LTV	79.99	78.79
476259843	XXXXX	Sales Price	XXXXX	XXXXX
479293542	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
479929855	XXXXX	Debt to Income Ratio (Back)	40.9700	37.1482
481090220	XXXXX	Property Type	SFR-Attached	Detached PUD
486142676	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
488204299	XXXXX	Total Cash Out	454854.34	455376.77
499464974	XXXXX	Total Cash Out	87394.60	87925.03
501253857	XXXXX	Debt to Income Ratio (Back)	34.9200	38.1348
502684606	XXXXX	Total Cash Out	294657.32	295292.75
505516651	XXXXX	Original Appraised Value	XXXXX	XXXXX
505516651	XXXXX	Total Cash Out	457308.86	457219.43
509120301	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
510823449	XXXXX	Total Cash Out	242862.99	243498.42
514931933	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
514931933	XXXXX	Debt to Income Ratio (Back)	40.5500	36.8053
543134906	XXXXX	Property Type	SFR-Attached	Attached PUD
543789604	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
550144923	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
564013465	XXXXX	Debt to Income Ratio (Back)	29.8300	27.1522
586843564	XXXXX	Debt to Income Ratio (Back)	26.1400	34.9028
588281509	XXXXX	Property Type	Low Rise Condo (1-4)	Mid Rise Condo  (5-8)
593161858	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
595966090	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
602994947	XXXXX	Borrower 2 First Time Home Buyer	Yes	No
607734121	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
611157774	XXXXX	Cash Reserves	258107.18	258316.92
613003181	XXXXX	Total Cash Out	155548.04	156056.65
613325006	XXXXX	Debt to Income Ratio (Back)	39.4700	37.0669
613325006	XXXXX	Representative Credit Score for Grading	789	792
613346654	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
614757952	XXXXX	Debt to Income Ratio (Back)	35.4700	22.9397
617239089	XXXXX	Cash Reserves	255973.53	256670.53
625605036	XXXXX	Property Type	SFR-Attached	Attached PUD
625605036	XXXXX	Total Cash Out	253378.11	253893.54
626546741	XXXXX	Cash Reserves	152558.25	152499.78
628959913	XXXXX	Total Cash Out	199228.28	199470.57
630109554	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
639811343	XXXXX	Representative Credit Score for Grading	791	772
640206922	XXXXX	Debt to Income Ratio (Back)	35.4400	28.1785
648913917	XXXXX	Debt to Income Ratio (Back)	29.8200	33.5676
662363872	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
673450928	XXXXX	Cash Reserves	225635.09	240758.44
674565489	XXXXX	Cash Reserves	252295.15	250647.08
676919554	XXXXX	Total Cash Out	52910.39	53242.83
678587374	XXXXX	Original Appraised Value	XXXXX	XXXXX
678587374	XXXXX	Property City	XXXXX	XXXXX
679252018	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
681965876	XXXXX	Total Cash Out	419377.40	420072.40
686824466	XXXXX	Property Type	Rowhouse	Mid Rise Condo  (5-8)
689186852	XXXXX	Debt to Income Ratio (Back)	38.7200	31.0641
695290357	XXXXX	Combined LTV	68.94	67.91
695290357	XXXXX	Debt to Income Ratio (Back)	23.7000	27.0241
695290357	XXXXX	Original LTV	68.94	67.91
695290357	XXXXX	Sales Price	XXXXX	XXXXX
697259713	XXXXX	Total Cash Out	35038.44	35673.87
697834920	XXXXX	Cash Reserves	564997.65	576546.49
703908889	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
708578741	XXXXX	Debt to Income Ratio (Back)	30.0000	39.6654
709421346	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
711007464	XXXXX	Debt to Income Ratio (Back)	30.5600	23.0662
711007464	XXXXX	Total Cash Out	629511.80	630206.80
715688072	XXXXX	Total Cash Out	189633.86	190328.86
717659572	XXXXX	Debt to Income Ratio (Back)	42.3600	35.8135
725731995	XXXXX	Debt to Income Ratio (Back)	39.2900	34.4654
729558823	XXXXX	Debt to Income Ratio (Back)	36.3300	39.7578
738274899	XXXXX	Total Cash Out	262853.43	263358.86
742239349	XXXXX	Property Type	SFR-Attached	Attached PUD
745736747	XXXXX	Total Cash Out	48336.53	48801.07
757534570	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
760099635	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
760396515	XXXXX	Cash Reserves	261809.54	261247.74
764157893	XXXXX	Property Type	SFR-Attached	Attached PUD
773032528	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
776270039	XXXXX	Total Cash Out	497424.78	498060.21
776853802	XXXXX	Total Cash Out	865329.40	866204.40
785569992	XXXXX	Debt to Income Ratio (Back)	15.4200	12.8316
794447566	XXXXX	Debt to Income Ratio (Back)	31.4200	36.3927
806512647	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
806512647	XXXXX	Sales Price	XXXXX	XXXXX
810065078	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
818233854	XXXXX	Debt to Income Ratio (Back)	35.3500	31.4411
824398569	XXXXX	Total Cash Out	297025.00	80774.78
833182988	XXXXX	Sales Price	XXXXX	XXXXX
834483262	XXXXX	Cash Reserves	115917.21	113096.36
839645185	XXXXX	Cash Reserves	396416.96	392768.97
852693617	XXXXX	Borrower 1 First Time Home Buyer	No	Yes
853252601	XXXXX	Debt to Income Ratio (Back)	32.8000	30.3347
863141973	XXXXX	Sales Price	XXXXX	XXXXX
865862600	XXXXX	Total Cash Out	95744.20	96439.20
867932150	XXXXX	Combined LTV	80.00	78.85
867932150	XXXXX	Original Appraised Value	XXXXX	XXXXX
867932150	XXXXX	Original LTV	80.00	78.85
867932150	XXXXX	Total Cash Out	692602.99	693159.42
871195932	XXXXX	Borrower 2 First Time Home Buyer	Yes	No
875180264	XXXXX	Debt to Income Ratio (Back)	26.1200	23.6624
880760163	XXXXX	Combined LTV	48.38	54.98
880760163	XXXXX	Original Appraised Value	XXXXX	XXXXX
880760163	XXXXX	Original LTV	48.38	54.98
886100473	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
887287177	XXXXX	Total Cash Out	302126.78	302381.94
888004779	XXXXX	Borrower 2 First Time Home Buyer	Yes	No
890817088	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
910662429	XXXXX	Debt to Income Ratio (Back)	38.0100	42.5373
912267266	XXXXX	Debt to Income Ratio (Back)	30.2000	34.4261
924087800	XXXXX	Debt to Income Ratio (Back)	24.9000	21.9776
924087800	XXXXX	Total Cash Out	117633.36	117904.39
930512679	XXXXX	Debt to Income Ratio (Back)	34.6800	32.2206
943342751	XXXXX	Original Appraised Value	XXXXX	XXXXX
946190906	XXXXX	Original Appraised Value	XXXXX	XXXXX
946819794	XXXXX	Borrower 1 First Time Home Buyer	Yes	No
947169587	XXXXX	Total Cash Out	153531.41	154166.84
947295933	XXXXX	Original Appraised Value	XXXXX	XXXXX
965012040	XXXXX	Total Cash Out	90307.56	90882.99
965857590	XXXXX	Property Type	SFR-Attached	Attached PUD
966190385	XXXXX	Cash Reserves	626166.29	633546.75
967116917	XXXXX	Total Cash Out	298785.19	299296.62
969827929	XXXXX	Combined LTV	46.15	42.11
969827929	XXXXX	Original Appraised Value	XXXXX	XXXXX
969827929	XXXXX	Original LTV	46.15	42.11
969827929	XXXXX	Total Cash Out	299584.18	300037.80
977661323	XXXXX	Total Cash Out	449759.29	450226.75
982443372	XXXXX	Borrower 1 Self Employed Flag	Yes	No
982443372	XXXXX	Debt to Income Ratio (Back)	35.3100	32.8607
984572253	XXXXX	Property Type	Rowhouse	Low Rise Condo (1-4)
986661943	XXXXX	Property Type	SFR-Attached	Detached PUD
988947927	XXXXX	Total Cash Out	203801.38	204323.81
991274931	XXXXX	Cash Reserves	2432441.19	2399347.91
991274931	XXXXX	Sales Price	XXXXX	XXXXX
998514552	XXXXX	Debt to Income Ratio (Back)	21.6500	38.4908

©2018 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.

EX-99.3

Exhibit 99.3

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	07/12/2018 - 09/21/2018
Deal Loan Count:	1,030
Report Run Date:	11/7/2018 13:15
Rating Agency ATR QM Data Fields
Loans in Report:	1,030

Loan Number

Loan Level ATR/QM Status

Application Date Prior to 1/10/2014

TRID Indicator

Lender Application Date

Broker Application Date

GSE Eligible

QRM Flag

ATR/QM Total Points and Fees

Rate Lock Date

APR

Bwr 1 Employment Indicator

Bwr 2 Employment Indicator

Bwr 1 Foreign National Indicator

Bwr 2 Foreign National Indicator

Residual Income Analysis in File

ATR/QM Residual Income

0000539464

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7902.75

XXXXXX

4.4219

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0002116486

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3975

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0002150880

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2463

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0002286736

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1642

XXXXXX

4.4042

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0004496873

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1254

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0004581873

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3858

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0004689080

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1511

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0004970842

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1225

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0008041499

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

81

XXXXXX

4.5091

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0008152003

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

460

XXXXXX

4.4157

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0008195660

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1856.88

XXXXXX

3.773

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0009181738

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1419

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0010986960

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2518.39

XXXXXX

4.3057

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0011261531

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1464

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0013122254

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

375

XXXXXX

4.2662

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0015099243

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1908

XXXXXX

4.2592

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0016350976

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2403.5

XXXXXX

4.2919

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0016372090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3789

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0016719759

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2245.63

XXXXXX

4.1692

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0019540524

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.5246

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0020840721

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5014

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0021056348

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5393

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0024275800

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1965

XXXXXX

4.2946

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0025405304

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4658.47

XXXXXX

4.248

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0026885631

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1347

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0031030909

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8399

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0033023613

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1818.75

XXXXXX

4.1507

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0035239899

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

895

XXXXXX

4.914

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0038665471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3948

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0039058195

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1814.75

XXXXXX

4.542

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0041469318

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1927.82

XXXXXX

4.4089

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0042024485

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6184

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0043266166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2772

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0044175307

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6339

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0044191174

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2224.22

XXXXXX

4.3845

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0045116907

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0046737724

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.2693

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0047362954

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Unemployed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0049400665

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6234

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0050969443

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.5646

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0051430948

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.7793

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0051467531

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1455

XXXXXX

4.4029

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0052233364

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3222.5

XXXXXX

4.4597

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0054058107

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.5357

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0054477955

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.4028

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0056433938

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1825

XXXXXX

4.5081

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0057270845

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2769

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0057623316

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12.5

XXXXXX

4.3811

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0057809819

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.4086

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0058270026

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3885

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0062138525

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.4121

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0062804076

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.4004

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0064324623

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2363.75

XXXXXX

4.4029

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0065613723

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5131.25

XXXXXX

4.2227

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0069845823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0070127001

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

857

XXXXXX

4.128

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0070488533

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2294

XXXXXX

4.3113

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0070504501

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.1678

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0070927601

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.2572

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0071228505

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1652

XXXXXX

4.5386

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0071618558

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2646

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0071826660

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1343

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0072919677

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

930

XXXXXX

4.5266

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0073157852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3627

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0074859117

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.4156

Unemployed

(No Data)

U.S. Citizen

(No Data)

No

0

0075349705

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0075360042

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7955

XXXXXX

4.2379

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0078146643

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0078207827

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3768.4

XXXXXX

4.9385

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0079032979

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

930

XXXXXX

4.4004

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0081175350

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.272

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0081505543

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2502

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0082860889

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0083139506

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2139.9

XXXXXX

4.6746

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0083610438

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

433.5

XXXXXX

4.1599

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0084390630

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5087

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0086477773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3757.5

XXXXXX

4.1736

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0088768631

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2511

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0089216543

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

985

XXXXXX

4.3951

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0089278036

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4048

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0090525176

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3507.84

XXXXXX

4.1787

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0090741819

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2651

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0090806215

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.3811

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0090964202

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1234.7

XXXXXX

4.1588

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0091129079

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0091281745

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

89

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0092502626

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2933.92

XXXXXX

4.1403

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0092577367

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.25

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0093280417

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1701.95

XXXXXX

4.6369

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0093391416

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

578

XXXXXX

4.2503

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0093820582

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1277

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0097773823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.4996

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0100220843

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1427

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0101678452

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1675

XXXXXX

4.5178

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0101939809

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1725

XXXXXX

4.4013

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0102344638

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1300

XXXXXX

4.5732

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0103495284

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1308

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0103502554

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2098.28

XXXXXX

4.267

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0107878708

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1885

XXXXXX

4.5357

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0108909842

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1552

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0109144764

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

150

XXXXXX

4.4019

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0110833760

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2488.75

XXXXXX

4.7759

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0111556138

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3292.5

XXXXXX

4.2816

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0111957265

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

565

XXXXXX

4.5178

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0111964884

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1925

XXXXXX

4.4001

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0112554815

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.265

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0113567085

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3777

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0114684850

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0116986907

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6723

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0118728065

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2544

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0120722895

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4071

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0120900958

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

641

XXXXXX

4.5107

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0121431033

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

685.68

XXXXXX

4.5114

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0122429948

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.6466

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0123414667

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

646.5

XXXXXX

4.1567

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0123912332

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1920

XXXXXX

4.5455

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0124292839

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3157

XXXXXX

4.2985

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0126320343

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.372

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0127313297

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1145

XXXXXX

4.2731

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0128008292

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1007.3

XXXXXX

4.4303

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0128858382

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1394

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0129588875

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1388

Employed

Retired

U.S. Citizen

Permanent Resident Alien

No

0

0132343938

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2755

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0136090100

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2648

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0139027317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1840

XXXXXX

4.5341

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0140249386

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1345

XXXXXX

4.4101

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0141101584

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

482.5

XXXXXX

4.1335

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0141520251

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3661

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0142891226

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0143361937

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2928.5

XXXXXX

4.5075

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0144285526

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1459

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0144647005

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1995

XXXXXX

4.1607

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0146322185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3709

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0147808644

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4094

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0148735314

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2009.25

XXXXXX

4.1487

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0148928706

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.5336

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0149256384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1150

XXXXXX

4.6613

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0149515558

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0150494453

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1280

XXXXXX

4.5447

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0151690530

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2489

XXXXXX

4.3975

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0153297521

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

270

XXXXXX

4.2835

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0154581283

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0155021176

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.7772

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0158011616

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6655

XXXXXX

4.7215

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0158089928

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2401

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0159652676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

426.25

XXXXXX

4.2889

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0160034481

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1282

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0160254982

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

854.7

XXXXXX

4.7018

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0160927868

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1393

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0161861212

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7501

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0163954213

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0164030071

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4872

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0164653991

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2069.75

XXXXXX

4.2534

Retired

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0164791162

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0165629269

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

15665

XXXXXX

4.2306

Employed

Employed

Non-Permanent Resident Alien

Permanent Resident Alien

No

0

0166545321

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2637

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0166666769

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.3889

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0166846040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3430

XXXXXX

4.4566

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0169287683

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

975

XXXXXX

4.1354

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0171730794

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

696.87

XXXXXX

4.27

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0172734876

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5486

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0178227752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0178267185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5054

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0178514074

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2025

XXXXXX

4.1641

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0179090626

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5223

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0180186956

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1478

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0180441145

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.375

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0180634997

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5328

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0181700581

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.3983

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0181967666

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0184922508

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.4898

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0185277921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2559

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0185592179

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.279

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0187347410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2829

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0188269408

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7480.63

XXXXXX

4.5149

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0188925333

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1566

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0188927762

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1983.5

XXXXXX

4.5239

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0189085941

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.4115

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0191040732

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1025

XXXXXX

4.3872

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0191927482

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2711

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0192385695

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

19618

XXXXXX

4.2481

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0192948739

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.3964

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0196148126

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.802

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0196540102

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1761.5

XXXXXX

4.4266

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0197058920

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1540

XXXXXX

4.6763

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0197222538

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1383

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0205559359

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1200

XXXXXX

4.28

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0206928090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3676

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0207014246

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7443

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0207280745

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5968

XXXXXX

4.8101

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0207332752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3709

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0208289210

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7445

Unemployed

(No Data)

U.S. Citizen

(No Data)

No

0

0208311410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2754

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0208561509

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.376

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0208635607

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0208827178

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1259.7

XXXXXX

4.1698

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0211138295

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3789

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0211294398

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2205

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0211344337

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6622.25

XXXXXX

4.6261

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0212641480

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1642.5

XXXXXX

4.4223

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0213187746

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

658

XXXXXX

4.2502

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0214830788

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.246

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0214878009

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0215539890

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3744

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0215841629

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0216529132

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2960

XXXXXX

4.4471

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0217783098

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1450

XXXXXX

4.272

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0219061471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5267

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0219379553

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

611.87

XXXXXX

4.395

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0219656982

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0220298655

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

970

XXXXXX

4.014

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0220579384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1468

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0221285703

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0221506177

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2690

XXXXXX

4.6701

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0221577345

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

607.1

XXXXXX

4.171

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0221905704

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

47

XXXXXX

4.3927

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0222190857

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.6273

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0223663092

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1454

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0224983810

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0225353111

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1419

XXXXXX

4.5404

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0225829599

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4622.2

XXXXXX

4.1996

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0226738077

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1470

XXXXXX

4.8274

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0228158610

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2583.75

XXXXXX

4.168

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0228190785

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

293.75

XXXXXX

4.2505

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0228436959

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5004

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0228614070

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8470

XXXXXX

4.3581

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0228647088

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2530.52

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0228940826

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

140

XXXXXX

4.2638

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0230339079

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2591

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0232359516

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.158

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0235009627

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.7763

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0236340647

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.2593

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0237152218

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

620

XXXXXX

4.5232

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0239164746

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1555

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0239693695

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0239888391

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1127.08

XXXXXX

4.146

Employed

Employed

Non-Permanent Resident Alien

U.S. Citizen

No

0

0240502354

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

950

XXXXXX

4.6444

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0242035415

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1515

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

0

0242268581

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2818.75

XXXXXX

4.6669

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

0

0248964878

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1563

XXXXXX

4.389

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0249356201

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2965

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0249451285

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3454

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0250033842

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1652.62

XXXXXX

4.1661

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0250251707

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

115

XXXXXX

4.2512

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0250570444

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.2746

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0251476784

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1135

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0251576373

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0253944538

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.403

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0255391162

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1825

XXXXXX

4.2342

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0256240448

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1644

XXXXXX

4.2836

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0256496044

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4233

XXXXXX

4.6716

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0256828822

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.4048

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0258476374

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

795

XXXXXX

4.6376

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0259691405

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0261252710

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

400

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0263321717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1210

XXXXXX

4.7681

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0265183174

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7454

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0265407754

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1994.88

XXXXXX

3.8909

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0265541902

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

752

XXXXXX

4.259

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0267515996

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3824

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0268470192

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2414

XXXXXX

4.2982

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0268610599

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1435

XXXXXX

4.2782

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0268787983

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.657

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

No

0

0269042426

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1019

XXXXXX

4.3637

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0269354136

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

578

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0269641502

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1174

XXXXXX

4.5318

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0269643387

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1121.3

XXXXXX

4.3855

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0270507565

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1554

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0272650019

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2775

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0272672103

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5800

XXXXXX

4.263

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0274145207

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.152

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0274614979

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4156.25

XXXXXX

4.4131

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0275505189

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3637.4

XXXXXX

4.3131

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0275686962

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3087.5

XXXXXX

4.2893

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0275717944

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.3997

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0279388628

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0280298830

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2065

XXXXXX

4.3977

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0281852305

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

875

XXXXXX

4.1349

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0282872801

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2371

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0284213243

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.5227

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0285788581

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

670

XXXXXX

4.1353

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0286681919

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0286898494

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2391

XXXXXX

4.3012

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0288906382

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1090

XXXXXX

4.9102

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0289761335

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5503.33

XXXXXX

4.3165

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0289961875

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0290231103

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2.5

XXXXXX

4.2674

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0291123340

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

396.25

XXXXXX

4.5106

Unemployed

Retired

U.S. Citizen

U.S. Citizen

No

0

0291294869

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3794

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0291914939

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

695

XXXXXX

4.3129

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0291953783

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1543

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0292821946

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

391

XXXXXX

4.504

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0294722518

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

940.6

XXXXXX

4.4036

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0294875608

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2834

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0294950683

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3751

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0295040676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

511

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0295340277

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.6536

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0295511605

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1247

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0296310550

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1234

XXXXXX

5.0284

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0297425087

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5575

XXXXXX

4.5674

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0297778942

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.3925

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0298523928

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1470

XXXXXX

4.399

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0300345056

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3297.5

XXXXXX

4.4357

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0301211587

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.5267

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0301438280

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4091

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0303767598

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8633

XXXXXX

4.1782

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0303920414

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

58.75

XXXXXX

4.514

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0304031245

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3545

XXXXXX

4.4587

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0304099588

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4224

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0304615935

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1150

XXXXXX

4.4047

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0305874088

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

60

XXXXXX

4.5114

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0306488506

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1126

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0306509504

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8561

XXXXXX

4.5202

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0308709723

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8983

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0312469838

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0313081657

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3762

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0313736465

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3813

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0314654091

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

500

XXXXXX

4.2692

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0315054426

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

195

XXXXXX

4.6585

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0316341829

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0320067234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11550

XXXXXX

4.6887

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0321475325

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

375

XXXXXX

4.6474

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0324760773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0325467878

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1259.7

XXXXXX

4.4192

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0327514557

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4237

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0328225315

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1030.6

XXXXXX

4.1446

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0328688311

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.8723

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0332876869

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4532.5

XXXXXX

4.188

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0333137496

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.3984

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

0

0333342921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1248

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0334150332

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

463.75

XXXXXX

3.8995

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0334362006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1051.87

XXXXXX

4.2722

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0335527558

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2655

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0336433365

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8376.38

XXXXXX

4.5533

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0336530573

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5249

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0336561855

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5083

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0336614085

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4799

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0336630495

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1445

XXXXXX

4.5501

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0340298639

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

606.26

XXXXXX

4.2703

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0340498050

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

19341.8

XXXXXX

4.4669

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0342354538

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2917

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0343868694

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

74

XXXXXX

4.2889

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0345305171

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7495

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0345430447

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

221.5

XXXXXX

4.3785

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0346268595

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4186

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0346398451

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1528

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0346404048

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1248

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0347742930

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5031

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0348213768

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5379

XXXXXX

4.2498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0349389618

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1890

XXXXXX

4.4387

Retired

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0349765467

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3719

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0350933991

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.5288

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0351041115

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1622

XXXXXX

4.277

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0351358753

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2950

XXXXXX

4.4489

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0353621792

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2352

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0356004782

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.5402

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0356621124

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1050

XXXXXX

4.1549

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0356876357

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1773.5

XXXXXX

4.2785

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0358089147

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1633

XXXXXX

4.2675

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0358227464

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.25

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0359019937

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2483

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0359455693

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

97

XXXXXX

4.2498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0359603213

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1708

XXXXXX

4.3978

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0361100646

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2701

XXXXXX

4.1662

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0362129802

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2874

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0363307697

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.154

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0364125587

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3991

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0364196738

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3576

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0364678382

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3781

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0365564518

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0367424726

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

570

XXXXXX

4.5174

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0367470668

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4031

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0368149995

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.123

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0368346743

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1444

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0368633683

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12345

XXXXXX

4.712

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0370184520

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2926.3

XXXXXX

4.2832

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0370237469

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

15606.5

XXXXXX

4.3478

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0371040414

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1590

XXXXXX

5.1624

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0372382648

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1660.95

XXXXXX

4.5319

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0373185964

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.1484

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0373277495

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5243.94

XXXXXX

4.6495

Unemployed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0374880185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1433

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0375818181

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1248

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0376770360

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0379152962

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0380979771

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.4107

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0382131248

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1541.5

XXXXXX

4.526

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0382809856

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

13248.95

XXXXXX

4.6155

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0383092811

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1440

XXXXXX

4.4239

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0383510630

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4957

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0384539096

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1960

XXXXXX

4.6356

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0384899216

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5387

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0385232470

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7864

XXXXXX

4.8592

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0386496006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1050

XXXXXX

4.0218

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0388419822

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

697.5

XXXXXX

4.3978

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0388567827

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

471

XXXXXX

4.1352

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0389824040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8011

XXXXXX

4.5143

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0390729866

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1910

XXXXXX

4.4135

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0390825297

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1790

XXXXXX

4.793

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0392953550

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5381

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0393295272

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1540

XXXXXX

4.5492

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0393500259

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4094.2

XXXXXX

4.452

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0393553348

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

5.3983

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0394032852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1985

XXXXXX

4.418

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0394744907

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2731

XXXXXX

4.8041

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0397861607

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3775

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0398169158

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0399366941

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4055

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0399878188

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

508

XXXXXX

4.2683

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0401045811

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3210.43

XXXXXX

4.9226

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0401462979

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1363.96

XXXXXX

4.3173

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0401877363

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1550

XXXXXX

4.1425

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0401979293

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

230.08

XXXXXX

4.3851

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0401981444

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2535

XXXXXX

4.6791

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0402060669

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

749

XXXXXX

4.3862

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0402117255

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0402213148

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1417.44

XXXXXX

4.2785

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0409169662

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.292

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0410756764

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0412797289

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5014

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0413937573

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4590.13

XXXXXX

4.3086

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0414546299

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2496

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0415330987

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2634.1

XXXXXX

4.3959

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0415508042

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2591

Retired

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0415869528

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4734.95

XXXXXX

4.4883

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0416231570

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1145

XXXXXX

4.4072

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0416516823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

570

XXXXXX

4.2688

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0418693037

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1150

XXXXXX

4.1682

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0419567338

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2862

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0421643466

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3370

XXXXXX

4.5474

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0421825371

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1125

XXXXXX

4.7659

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0421851165

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

441.25

XXXXXX

4.2531

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0421853503

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1315

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0422177136

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1205

XXXXXX

4.8961

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0423671663

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

731.25

XXXXXX

4.5149

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0423882935

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

46.95

XXXXXX

4.7489

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0424472077

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3869

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0425033792

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0425146942

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.7818

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0425736098

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3493.5

XXXXXX

4.0624

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0427201011

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1645

XXXXXX

5.0422

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0427294717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1620

XXXXXX

4.1688

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0427743697

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

679.57

XXXXXX

4.3747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0427841557

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1450

XXXXXX

4.54

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0431123640

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.245

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0431564958

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

750

XXXXXX

4.1425

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0431807538

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1495

XXXXXX

4.689

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0431965661

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3900

XXXXXX

4.3393

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0432139645

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

702.5

XXXXXX

4.1732

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0433868528

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

35

XXXXXX

4.1258

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0434059460

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6557

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0434878811

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4431.5

XXXXXX

4.4773

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0436451677

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

712.56

XXXXXX

4.1249

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0436566600

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1959.06

XXXXXX

4.5513

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0437178654

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

363.75

XXXXXX

4.3841

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0437556392

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2838.75

XXXXXX

4.4203

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0439289410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3243.56

XXXXXX

4.4244

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0439383560

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0440659073

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

150

XXXXXX

4.1396

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0441420471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3709

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0442157521

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1211

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0444424271

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

674.1

XXXXXX

4.2618

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0445057912

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

165

XXXXXX

4.7571

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0448992775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1607.5

XXXXXX

4.1733

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0449513179

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2655

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0449981518

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1315

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0450081479

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6277

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0450092822

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2727

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0451343428

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

23.84

XXXXXX

4.2517

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0452384845

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0454206648

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3505

XXXXXX

4.3376

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0455502093

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1519

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0456693756

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6092.5

XXXXXX

4.6875

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0457615209

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

530

XXXXXX

4.3748

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0460117539

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1931.25

XXXXXX

4.4218

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0461098046

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8254.25

XXXXXX

4.576

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0461254795

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1957.5

XXXXXX

4.1725

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0463023182

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2848

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0467711331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

73

XXXXXX

4.2578

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0468476932

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0468740749

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1440

XXXXXX

4.5566

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0469435394

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

737.75

XXXXXX

4.2497

Employed

(No Data)

Non-Resident Alien

(No Data)

No

0

0469753741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5165

XXXXXX

4.2768

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0471780946

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1409

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0472559526

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

509

XXXXXX

4.4904

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0473340582

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1484

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0476259843

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6074

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0477198331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0478477156

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.5012

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0479293542

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1338

Employed

Employed

U.S. Citizen

Non-Permanent Resident Alien

No

0

0479929855

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1720

XXXXXX

4.8127

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0480148531

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3988

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0480783967

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1523

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0481090220

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

471.7

XXXXXX

4.2498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0483402683

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0484783192

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2643

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0485650397

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2761

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0486142676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0486498384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1275

XXXXXX

4.5314

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0487734677

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1664

XXXXXX

4.2918

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0488204299

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1603

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0488245550

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3617

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0490851909

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6555

XXXXXX

4.3569

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0491830060

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1970

XXXXXX

4.2733

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0491876266

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3709

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0492102086

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1495

XXXXXX

4.1412

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0492588280

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4217

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0494992739

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1322

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0495201315

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.5218

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0495880308

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1619

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0495888028

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4392

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0496810511

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2685.51

XXXXXX

4.8253

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0499254341

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5263

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0499464974

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5144

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0501253857

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.4179

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

0

0501455988

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1669.5

XXXXXX

4.4136

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0502684606

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0503453720

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4126

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0503910634

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

15419.05

XXXXXX

4.3018

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0505516651

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

725

XXXXXX

4.3999

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0507665120

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.725

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0507942240

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2718

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0508941774

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1385

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0509014970

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4903

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0509120301

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3818

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0509314130

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4142

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0509861088

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2462

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0510065180

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.4041

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0510526383

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.123

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0510823449

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4390.35

XXXXXX

4.3147

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0511458781

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.2929

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0511845762

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2638

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0512759925

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2586

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0512967034

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1620

XXXXXX

4.5198

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0514889445

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4122

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0514911547

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2737.5

XXXXXX

4.1545

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0514931933

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4707.5

XXXXXX

4.4973

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0515694141

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3627

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0515741205

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

500

XXXXXX

4.1321

Employed

Employed

Non-Resident Alien

Non-Resident Alien

No

0

0516138331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

135.7

XXXXXX

4.259

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0518123289

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1519

XXXXXX

4.6594

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0520881445

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2516.17

XXXXXX

4.1765

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0522531413

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3606.25

XXXXXX

4.434

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0522852872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

635

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0524393616

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1209.95

XXXXXX

4.7809

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0525185331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

Employed

Non-Resident Alien

Non-Resident Alien

No

0

0527140298

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5348

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0528180734

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

820

XXXXXX

4.5098

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0528660580

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1005

XXXXXX

4.3918

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0530401630

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.6374

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0532254220

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.2747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0537625964

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1680

XXXXXX

4.1423

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0538479394

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

68.12

XXXXXX

4.3811

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0538841828

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2669

Employed

Employed

Non-Resident Alien

Non-Resident Alien

No

0

0540206093

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0541587853

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1675

XXXXXX

4.2794

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0543134906

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3052.75

XXXXXX

4.3012

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0543789604

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2967

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0544330473

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2509

XXXXXX

4.4373

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0544574775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

508

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0544926696

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5217

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0545886417

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

9125

XXXXXX

4.4609

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0546470392

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

58.44

XXXXXX

4.2602

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0546982400

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0547623901

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.2651

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0547978152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.2912

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0548463602

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2867

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0548797420

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2728

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0550144923

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2618

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0550989130

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.264

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0552860246

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

312.5

XXXXXX

4.1462

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0553156929

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4023

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0553427834

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

230

XXXXXX

4.3941

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0555111794

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.276

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0557117155

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4075

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0559343835

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0564013465

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1495

XXXXXX

5.2942

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0564117540

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1784

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0565652703

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1563

XXXXXX

4.4031

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0566437922

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.7684

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0566471440

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

125

XXXXXX

4.2671

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0567453780

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4296.5

XXXXXX

4.1577

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0569917666

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2834

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0570271949

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4900

XXXXXX

4.2044

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0570513278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1155

XXXXXX

4.2593

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0571738103

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.264

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0571834468

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.3998

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0572193032

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.5324

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0576779655

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1863

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

No

0

0577024580

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

375

XXXXXX

4.375

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0577937627

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1056.9

XXXXXX

4.1584

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0580353514

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2723

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0580638326

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2573

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0581080892

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0581153019

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1217.4

XXXXXX

4.2876

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0581668793

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.261

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0582728022

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1233

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0583669130

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10

XXXXXX

4.1357

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0584010144

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3600

XXXXXX

4.5463

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0584821554

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3887

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0586843564

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1595

XXXXXX

4.6539

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0587159102

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0588281509

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.4023

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0593161858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

911.25

XXXXXX

4.1295

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0594082502

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0595519475

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

327

XXXXXX

4.7558

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0595966090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1493

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0596479746

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0597406975

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.1477

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0600013363

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2535.55

XXXXXX

4.3231

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0600826871

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.4251

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0600880390

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.5215

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0601179919

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3006

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0602994947

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3901.88

XXXXXX

4.455

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0603037429

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5410.88

XXXXXX

4.5995

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0604448663

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3090.96

XXXXXX

4.942

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0607459260

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2320

XXXXXX

4.2826

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0607734121

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2023

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0609654852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.1507

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0610365943

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1248

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0611157774

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

745

XXXXXX

4.2371

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0611174293

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

150

XXXXXX

4.2548

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0613003181

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4104

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0613325006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10836

XXXXXX

4.3193

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0613346654

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1537

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0613849723

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0614019970

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7301

XXXXXX

4.231

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0614757952

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

86.95

XXXXXX

4.5563

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0614802090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.2845

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0614851065

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

20

XXXXXX

4.5172

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0617239089

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1960

XXXXXX

4.1404

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0618556981

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0620669841

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.2777

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0622207817

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1373

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0622447186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

865

XXXXXX

4.5173

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0622850231

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.1464

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0623280190

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

623

XXXXXX

4.6318

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0623583228

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.3005

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0624217489

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0625528973

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1248

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0625605036

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.4032

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0626287568

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4015

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0626546741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1415

XXXXXX

4.4042

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0627046694

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0627487009

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6482.5

XXXXXX

3.8975

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0628033429

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1582

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0628474476

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.285

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0628959913

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1244.3

XXXXXX

4.4052

Unemployed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0630109554

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

100

XXXXXX

4.1458

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0630199689

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2075

XXXXXX

4.3971

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0630679400

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1816.25

XXXXXX

4.2803

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0631113431

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.2842

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0631940285

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5055

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0633902394

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4145

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0638103580

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4043

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0638105081

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

970

XXXXXX

4.5189

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0638960243

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3694.56

XXXXXX

4.4137

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0639811343

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1452

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0640206922

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.6614

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0640341798

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.5339

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0641742926

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

150

XXXXXX

4.3809

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0643298415

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0643479218

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.0371

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0644110086

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0645777222

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1305

XXXXXX

4.3902

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0646286583

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.2815

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0646560304

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

309.37

XXXXXX

4.1492

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0647357136

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

881

XXXXXX

4.6589

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0647487812

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.3966

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0648277897

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

929.9

XXXXXX

4.1497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0648913917

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1685.74

XXXXXX

4.2907

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0649735364

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2659

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0652032481

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1259

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0655161664

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

917.88

XXXXXX

4.4824

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0655187402

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4738.19

XXXXXX

4.5616

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0655279696

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1096

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0656667459

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1370

XXXXXX

4.1442

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0657147507

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4168

XXXXXX

4.5728

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0658359156

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.4059

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0658844556

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2707

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0659400247

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.247

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0660553110

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1370

XXXXXX

3.9007

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0661488921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0662363872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2265.51

XXXXXX

4.2651

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0664380511

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.5303

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0664627791

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5256

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0665395682

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.8987

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0665965422

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0666881867

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3175

XXXXXX

4.2989

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0667616840

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2423.45

XXXXXX

4.6629

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0668216684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.7965

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0668772718

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0670055049

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1202

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0673329949

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0673450928

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

65

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0674565489

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1163

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0676762365

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0676919554

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8765

XXXXXX

4.1441

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0678587374

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10060.26

XXXXXX

4.401

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0678625676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

153.12

XXXXXX

4.6325

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0679138713

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.3969

Retired

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0679252018

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1902.5

XXXXXX

4.9184

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0680325869

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

255

XXXXXX

4.3811

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0680426111

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

400.58

XXXXXX

4.1437

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0680896695

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.6407

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0681217411

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8565

XXXXXX

4.1656

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0681802770

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2420

XXXXXX

4.6584

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0681843996

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2132.5

XXXXXX

4.2773

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0681965876

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3998

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0683221084

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0683404502

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3946

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0686824466

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

508

XXXXXX

4.3751

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0688934770

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7497

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0689186852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5132

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0689457144

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.6659

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0692125962

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1275

XXXXXX

4.6556

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0693156686

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4234.84

XXXXXX

4.2411

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0694125193

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2766

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0695290357

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0696347923

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.6481

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0697259713

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4560

XXXXXX

4.5646

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0697834920

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1608

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0698013421

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4256

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0698111392

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.293

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0699324090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

770

XXXXXX

4.248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0699648486

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1461

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0703908889

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

220.63

XXXXXX

4.2493

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0704120707

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1468.86

XXXXXX

4.1509

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0705235038

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

933.75

XXXXXX

4.167

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0706026808

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

313.75

XXXXXX

4.4127

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0706159325

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1387

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0706924815

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1292

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0708559280

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2475

XXXXXX

4.6713

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0708578741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4797.83

XXXXXX

4.6604

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0709421346

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5439

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0709590973

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1633

XXXXXX

4.1418

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0710918819

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

495

XXXXXX

4.5057

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0711007464

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.244

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0711334582

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

150

XXXXXX

4.1277

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0712765367

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2848

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0713162404

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

335

XXXXXX

4.272

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0714743642

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4052

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0715662239

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.7819

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0715688072

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3712

Unemployed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0715717740

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0716232883

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1880

XXXXXX

4.3186

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0716561921

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4958

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0717659572

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5393

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0719459077

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1909

XXXXXX

4.5694

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0721706072

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0724177741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5785

XXXXXX

4.3707

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0725731995

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6511

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0727459228

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0729558823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3506.88

XXXXXX

4.3144

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0730003334

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3984

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0730242448

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1005

XXXXXX

4.3889

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0731398515

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3288.75

XXXXXX

4.6779

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0731995264

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1894.09

XXXXXX

4.2683

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0735685733

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.3917

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0735921845

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

900.06

XXXXXX

4.1661

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0737146717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8580

XXXXXX

3.9638

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0738253855

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.7714

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0738274899

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.393

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0739331367

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0740031046

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5412

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0742239349

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.4186

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0744737919

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

817.2

XXXXXX

4.2716

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0745736747

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2837

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0746335355

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0746653253

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.283

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0747216100

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.129

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0750301829

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.1571

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0750579491

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2647

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0751179157

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1570

XXXXXX

4.5457

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0752553197

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2312

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0755960673

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1037

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0756969189

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7648.6

XXXXXX

4.2894

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0757076519

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.3748

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0757204988

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1415

XXXXXX

4.5586

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0757534570

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1415

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0758609394

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

18952.5

XXXXXX

4.4581

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0758660317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3107.5

XXXXXX

4.6963

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0760099635

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6085

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0760396515

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2494.44

XXXXXX

4.2903

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0760744981

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.2659

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0761345254

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

723.13

XXXXXX

4.1448

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0762320006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.7909

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0763977636

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6228

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0764157893

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

230

XXXXXX

4.3807

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0764836799

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2693

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0765931251

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2185

XXXXXX

5.0491

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0766191276

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.2676

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0766383717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

450

XXXXXX

4.2538

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0768591242

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1797.7

XXXXXX

4.6621

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0771606420

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2618

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0773032528

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2706.32

XXXXXX

4.3165

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0773381066

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1388

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0774505168

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1524.1

XXXXXX

4.3869

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0775536437

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

20

XXXXXX

4.2934

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0775992907

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2653

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0776270039

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

20

XXXXXX

4.384

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0776853802

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3884

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0777720574

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1650.8

XXXXXX

4.3869

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0779537352

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2501

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0779774590

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

755

XXXXXX

4.3854

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0779999854

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3889.14

XXXXXX

4.1802

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0780849884

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3795

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0782622048

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2461.11

XXXXXX

4.7248

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0785569992

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5812.89

XXXXXX

4.733

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0788164452

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.4048

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0788620379

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6022.43

XXXXXX

4.2326

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0789783978

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1650

XXXXXX

4.4107

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0790283946

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4869

XXXXXX

4.6846

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0790331614

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2501

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0790462945

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3789

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0790952202

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

825

XXXXXX

4.3896

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0791655629

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1515

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0792095185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

695

XXXXXX

4.5115

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0792703684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1749.93

XXXXXX

4.5471

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0794447566

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6589

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0798170138

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

365

XXXXXX

4.5114

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0798850220

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1722.47

XXXXXX

4.6452

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0799232040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1415

XXXXXX

4.5301

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0799252061

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5585

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0799834078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

587.5

XXXXXX

4.1326

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0800168035

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1901

XXXXXX

4.3122

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0800261886

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.1247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0801362810

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3307.5

XXXXXX

4.2856

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0802153807

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2746.48

XXXXXX

4.3722

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0802625466

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5297.6

XXXXXX

4.248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0803011450

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0804371245

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1483

XXXXXX

4.2668

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0806512647

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4978

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0810065078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5323

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0811586104

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0811910087

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2444.86

XXXXXX

4.2802

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0812037708

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2746

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0815629093

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

799.09

XXXXXX

4.129

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0815631913

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1425

XXXXXX

4.4012

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0818233854

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

102

XXXXXX

4.5762

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0818310724

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4153

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0819811966

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

679.57

XXXXXX

4.6249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0820083233

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3915

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0820583551

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

47.5

XXXXXX

4.5111

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0820746499

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7555

XXXXXX

4.3549

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0822001214

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6806.2

XXXXXX

4.3543

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0822132971

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1681

XXXXXX

4.2826

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0822982384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

525

XXXXXX

4.4725

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0823231210

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

984.6

XXXXXX

4.1487

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0823322421

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

800

XXXXXX

4.3932

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0823345828

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

457.5

XXXXXX

4.393

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0824398569

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.7747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0825690565

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1754.57

XXXXXX

4.5346

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0827067999

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0828523608

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1368

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0829835279

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3515.5

XXXXXX

4.5305

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0833182988

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1211

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0833391569

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1421

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0833474932

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3772

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0834096936

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.5198

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0834483262

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0834541058

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0835839159

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

170

XXXXXX

4.2411

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0836125019

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.123

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0836885129

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8502.5

XXXXXX

3.9926

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0838612020

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4615.4

XXXXXX

4.6736

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0839645185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1708

XXXXXX

4.271

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0842346846

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2665

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0842528024

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3745

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0843284060

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2902

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0843476446

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2665

XXXXXX

4.2987

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0844111679

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1414.08

XXXXXX

4.4069

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0846187492

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1699

XXXXXX

4.5476

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0850050609

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

660.33

XXXXXX

4.1395

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0852693617

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1645

XXXXXX

4.5754

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0853252601

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3435

XXXXXX

4.3009

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0853451215

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

623.37

XXXXXX

4.3986

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0853493505

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5676

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0855089407

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5913.5

XXXXXX

3.7595

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0857682927

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2483

Employed

Unemployed

U.S. Citizen

(No Data)

No

0

0858597185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2676

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0858831854

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0859006934

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1643.31

XXXXXX

4.1662

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0860257579

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.4006

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0860714860

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4120

XXXXXX

4.3137

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0861025234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

66.38

XXXXXX

4.2614

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0862155272

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1420

XXXXXX

4.6555

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0863141973

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3719

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0863332801

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6535.56

XXXXXX

4.7014

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0865728848

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4349

XXXXXX

4.4428

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0865862600

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1379

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0867284006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1484.5

XXXXXX

4.3971

Unemployed

(No Data)

U.S. Citizen

(No Data)

No

0

0867751689

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7118.55

XXXXXX

4.2197

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0867904980

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1450

XXXXXX

4.2697

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0867932150

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.375

Retired

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0868383880

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11696.6

XXXXXX

4.301

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0869393649

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2722.5

XXXXXX

4.1633

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0871195932

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7494

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0872131759

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2671

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0873079287

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0874024776

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2042

XXXXXX

4.6554

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0874677846

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5084

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0875110896

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1266

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0875180264

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2282.19

XXXXXX

4.5339

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0875225617

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3286.27

XXXXXX

4.2921

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0875535391

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2140

XXXXXX

4.4018

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0879476504

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2850

XXXXXX

4.5708

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0880425542

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2558

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0880760163

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1890

XXXXXX

4.5888

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0881049732

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0884429066

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

313

XXXXXX

4.6431

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0884612900

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1614

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0884744628

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.3983

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

No

0

0886100473

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

669.99

XXXXXX

4.362

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0887034000

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

230

XXXXXX

4.3931

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0887287177

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0888004779

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.0424

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0888415758

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.1432

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0888493860

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1501.95

XXXXXX

4.9062

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0888655946

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.247

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0888865589

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1695

XXXXXX

4.3911

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0890092621

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1180

XXXXXX

4.1438

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0890639821

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.5326

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0890817088

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2000

XXXXXX

4.3825

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0892262279

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2505

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0894088670

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.3944

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0894336777

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

965

XXXXXX

4.5218

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0898827823

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

13.97

XXXXXX

4.2345

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0899098724

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3996

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0899193324

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

324.2

XXXXXX

4.1249

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0902187372

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

679.57

XXXXXX

4.2559

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0904109970

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5364

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0904115200

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1519

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0905985421

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4420.6

XXXXXX

4.4206

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0907447747

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.4008

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0908098433

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2751

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0908549237

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0908680187

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3794

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0910200755

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2849

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0910662429

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7488

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0912267266

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3779

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0913104715

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2546

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0915404189

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

550

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0915779397

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1090

XXXXXX

4.5218

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0915860785

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

830

XXXXXX

4.2215

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0916804908

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

507.5

XXXXXX

4.1586

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0919107167

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1970.27

XXXXXX

4.143

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0922046023

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1675.08

XXXXXX

4.4088

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0922364463

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.6251

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0924087800

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0925144741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

980

XXXXXX

4.4901

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0925540248

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1231.6

XXXXXX

4.2645

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0926549496

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5

XXXXXX

4.5003

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0926837766

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3535

XXXXXX

4.4463

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0926887637

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2717

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0930239802

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3804

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0930512679

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1669

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0931949453

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.5214

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0932061187

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1037.2

XXXXXX

4.2811

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0933025288

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.2498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0934349583

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.3992

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0934830773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0937438810

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3867

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0938290319

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2662

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0938471898

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

940.16

XXXXXX

4.4906

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0938811867

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1387

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0940687595

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.128

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0941193792

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1110.38

XXXXXX

4.181

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0942393948

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.4995

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0943342751

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5241

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0943552244

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1245

XXXXXX

4.3835

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0943656851

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2909

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0946190906

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5435

XXXXXX

4.4796

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0946819794

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0946947178

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4925

XXXXXX

4.5538

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0947169587

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2731

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0947295933

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3590

XXXXXX

4.4242

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0947596461

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2371

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0948252999

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.8857

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0949271487

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.282

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0950377148

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2352.8

XXXXXX

4.4317

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0950744304

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.1433

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0951073400

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.3963

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0952048545

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.244

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0955045165

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.3856

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0957040283

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3859

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0958014311

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0960038203

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.384

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0961574925

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

52

XXXXXX

4.1512

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0963686981

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3997

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0964126380

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.139

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0965012040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4007

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0965857590

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1518

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0966044763

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.146

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0966190385

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1770

XXXXXX

4.1422

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0966645068

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

212.5

XXXXXX

4.2522

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0966785835

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8792.5

XXXXXX

4.5135

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0967116917

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3915

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0968184499

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0968856431

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5213

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0969383340

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.375

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0969721013

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2018.72

XXXXXX

4.6676

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0969827929

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2561

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0970079302

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2797

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0971073667

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4242

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0972022484

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.6416

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0972232318

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1256

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0973307040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1457

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0976531224

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

167.38

XXXXXX

4.5093

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0977471703

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.5351

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0977661323

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7584

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0978753786

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1070

XXXXXX

4.3911

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0980488873

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.1227

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0981403422

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2713

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0982345250

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1535.6

XXXXXX

4.1553

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0982443372

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1790

XXXXXX

4.2681

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0982720521

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11227.75

XXXXXX

4.4551

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0983111775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.291

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0984572253

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0986661943

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1936.25

XXXXXX

4.5387

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0987162808

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0987404872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

3.875

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0988200170

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.3939

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0988947927

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3795

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0991274931

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2342

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0992354120

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.1498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0993077861

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

332.5

XXXXXX

4.2778

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0993095607

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

3.8843

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0997993072

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1582.5

XXXXXX

4.4241

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0998514552

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

EX-99.4

Exhibit 99.4

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	07/12/2018 - 09/21/2018
Deal Loan Count:	1,030
Report Run Date:	11/7/2018 13:15
Valuations Summary
Loans in Report:	1,030

					Origination Values					Automated Valuation Model				Desk Review				Second Desk Review				Field Review				Second Field Review				1004 SFR (Mar 05)				2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)				Other					AUS Information
Loan Number	Seller Loan Number	Original Balance	Sales Price	Value for LTV	Appraised Date	Appraised Value	Review Date	Review Value	Review Type	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score	Valuation Comments
0000539464	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0002116486	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0002150880	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0002286736	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0004496873	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0004581873	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0004689080	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0004970842	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$90,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0008041499	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0008152003	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0008195660	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/01/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0009181738	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0010986960	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/09/2018	$XXXXXXXX	-$12,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0011261531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0013122254	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0015099243	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	-$91,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0016350976	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0016372090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/12/2018	$XXXXXXXX	$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0016719759	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0019540524	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0020840721	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0021056348	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0024275800	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0025405304	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0026885631	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0031030909	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0033023613	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2016	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0035239899	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0038665471	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0039058195	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0041469318	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$26,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0042024485	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0043266166	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0044175307	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0044191174	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0045116907	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0046737724	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0047362954	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0049400665	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0050969443	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0051430948	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0051467531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0052233364	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$111,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0054058107	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0054477955	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	-$211,000.00	X.XX%		$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	-$31,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0056433938	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0057270845	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0057623316	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0057809819	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0058270026	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	-$23,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0062138525	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0062804076	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0064324623	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0065613723	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0069845823	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0070127001	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0070488533	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0070504501	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0070927601	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0071228505	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0071618558	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0071826660	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$33,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0072919677	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$12,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0073157852	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0074859117	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$34,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0075349705	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0075360042	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$85,000.00	X.XX%		$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0078146643	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0078207827	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0079032979	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0081175350	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0081505543	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0082860889	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$29,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0083139506	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0083610438	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0084390630	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0086477773	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0088768631	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0089216543	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$102,000.00	X.XX%		$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0089278036	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0090525176	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0090741819	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0090806215	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0090964202	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0091129079	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0091281745	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0092502626	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0092577367	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0093280417	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0093391416	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0093820582	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0097773823	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0100220843	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0101678452	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0101939809	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0102344638	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$70,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0103495284	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$62,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0103502554	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	-$36,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0107878708	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0108909842	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0109144764	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0110833760	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0111556138	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$89,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0111957265	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	-$400,000.00	X.XX%		$0.00	$0.00	0.00%	08/09/2018	$XXXXXXXX	$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0111964884	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0112554815	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	-$40,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0113567085	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	-$62,500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0114684850	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0116986907	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0118728065	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0120722895	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$46,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0120900958	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0121431033	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0122429948	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0123414667	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0123912332	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0124292839	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0126320343	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$340,000.00	X.XX%		$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0127313297	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0128008292	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0128858382	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0129588875	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0132343938	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0136090100	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0139027317	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	-$20,500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0140249386	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0141101584	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0141520251	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0142891226	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0143361937	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	-$200,000.00	X.XX%		$0.00	$0.00	0.00%	08/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0144285526	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0144647005	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0146322185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$27,079.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0147808644	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0148735314	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0148928706	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0149256384	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0149515558	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$135,000.00	X.XX%		$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0150494453	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0151690530	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0153297521	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0154581283	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0155021176	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0158011616	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0158089928	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0159652676	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0160034481	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0160254982	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0160927868	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0161861212	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0163954213	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0164030071	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0164653991	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0164791162	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0165629269	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0166545321	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0166666769	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0166846040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0169287683	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0171730794	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0172734876	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$70,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0178227752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$131.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0178267185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	-$13,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0178514074	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0179090626	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0180186956	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0180441145	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0180634997	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	-$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0181700581	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$82,000.00	X.XX%		$0.00	$0.00	0.00%	08/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0181967666	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$295,000.00	X.XX%		$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0184922508	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0185277921	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0185592179	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0187347410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0188269408	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0188925333	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0188927762	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0189085941	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0191040732	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0191927482	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0192385695	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0192948739	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$230,000.00	X.XX%		$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0196148126	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0196540102	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$87,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0197058920	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0197222538	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$185,000.00	X.XX%		$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0205559359	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0206928090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0207014246	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0207280745	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0207332752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0208289210	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0208311410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0208561509	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0208635607	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0208827178	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0211138295	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$10.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0211294398	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0211344337	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0212641480	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0213187746	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	-$25,000.00	XX.X%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0214830788	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/17/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0214878009	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0215539890	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0215841629	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0216529132	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0217783098	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0219061471	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0219379553	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0219656982	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0220298655	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/14/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	08/07/2017	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0220579384	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0221285703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0221506177	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0221577345	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0221905704	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0222190857	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$140,000.00	X.XX%		$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0223663092	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0224983810	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0225353111	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0225829599	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0226738077	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0228158610	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0228190785	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0228436959	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0228614070	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0228647088	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0228940826	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0230339079	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0232359516	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0235009627	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0236340647	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$71,900.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0237152218	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0239164746	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0239693695	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0239888391	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$130,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0240502354	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0242035415	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$22,500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0242268581	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0248964878	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0249356201	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0249451285	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0250033842	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0250251707	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0250570444	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0251476784	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0251576373	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$60,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0253944538	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0255391162	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0256240448	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0256496044	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/29/2018	$XXXXXXXX	$11,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0256828822	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0258476374	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0259691405	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/10/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0261252710	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0263321717	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	-$365,000.00	X.XX%		$0.00	$0.00	0.00%	08/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0265183174	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0265407754	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/16/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0265541902	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/15/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$85,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0267515996	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0268470192	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0268610599	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0268787983	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0269042426	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0269354136	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/11/2018	$XXXXXXXX	-$3,500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0269641502	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$188,000.00	X.XX%		$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	-$206,000.00	X.XX%	08/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0269643387	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$11,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0270507565	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0272650019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0272672103	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0274145207	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0274614979	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$125,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0275505189	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0275686962	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0275717944	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0279388628	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0280298830	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$180,000.00	X.XX%		$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0281852305	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0282872801	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0284213243	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0285788581	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0286681919	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0286898494	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/17/2018	$XXXXXXXX	-$13,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0288906382	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0289761335	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	-$360,000.00	X.XX%		$0.00	$0.00	0.00%	08/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0289961875	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0290231103	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$250,000.00	X.XX%		$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0291123340	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0291294869	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0291914939	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0291953783	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$22,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0292821946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$135,000.00	X.XX%		$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0294722518	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0294875608	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$4,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0294950683	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0295040676	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0295340277	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0295511605	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0296310550	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0297425087	XXXXXX	XXXXXX	XXXXXX	XXXXXX	01/04/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0297778942	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$34,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0298523928	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0300345056	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0301211587	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0301438280	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0303767598	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0303920414	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0304031245	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$140,000.00	X.XX%		$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0304099588	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0304615935	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0305874088	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$145,000.00	X.XX%		$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0306488506	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0306509504	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0308709723	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0312469838	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$475,000.00	X.XX%		$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0313081657	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$110,000.00	X.XX%		$0.00	$0.00	0.00%	08/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0313736465	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0314654091	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0315054426	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0316341829	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0320067234	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$420,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0321475325	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0324760773	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0325467878	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0327514557	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0328225315	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0328688311	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/10/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	05/05/2017	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0332876869	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0333137496	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$80,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0333342921	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0334150332	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0334362006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0335527558	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0336433365	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0336530573	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0336561855	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0336614085	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0336630495	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0340298639	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0340498050	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/21/2018	$XXXXXXXX	$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0342354538	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0343868694	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0345305171	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0345430447	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00	Not Applicable		$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0346268595	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0346398451	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0346404048	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$25,600.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0347742930	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0348213768	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0349389618	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0349765467	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0350933991	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0351041115	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0351358753	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0353621792	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0356004782	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/13/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0356621124	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0356876357	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0358089147	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0358227464	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0359019937	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0359455693	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0359603213	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0361100646	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$8,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0362129802	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0363307697	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0364125587	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$350,000.00	X.XX%		$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0364196738	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0364678382	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0365564518	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0367424726	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0367470668	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0368149995	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0368346743	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0368633683	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0370184520	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0370237469	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0371040414	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0372382648	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0373185964	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0373277495	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/21/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0374880185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0375818181	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0376770360	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$170,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0379152962	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0380979771	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0382131248	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/11/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0382809856	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$225,000.00	X.XX%		$0.00	$0.00	0.00%	08/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0383092811	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$2,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0383510630	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0384539096	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0384899216	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0385232470	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0386496006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/03/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0388419822	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0388567827	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0389824040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0390729866	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0390825297	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0392953550	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0393295272	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0393500259	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0393553348	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$140,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0394032852	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0394744907	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/06/2018	$XXXXXXXX	$2,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0397861607	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0398169158	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0399366941	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0399878188	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0401045811	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0401462979	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0401877363	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0401979293	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0401981444	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0402060669	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0402117255	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0402213148	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0409169662	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0410756764	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/28/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0412797289	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0413937573	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0414546299	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$80,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0415330987	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$298,000.00	X.XX%		$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0415508042	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0415869528	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0416231570	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0416516823	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$297,000.00	X.XX%		$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0418693037	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0419567338	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0421643466	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0421825371	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0421851165	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0421853503	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0422177136	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0423671663	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0423882935	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0424472077	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0425033792	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0425146942	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$85,000.00	X.XX%		$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0425736098	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/07/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0427201011	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0427294717	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0427743697	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0427841557	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$191,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0431123640	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0431564958	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0431807538	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0431965661	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	-$59,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0432139645	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0433868528	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0434059460	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0434878811	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0436451677	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0436566600	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0437178654	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0437556392	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0439289410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0439383560	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0440659073	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0441420471	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0442157521	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0444424271	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0445057912	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$55,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0448992775	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0449513179	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0449981518	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0450081479	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0450092822	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0451343428	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$4,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0452384845	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0454206648	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0455502093	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0456693756	XXXXXX	XXXXXX	XXXXXX	XXXXXX	01/26/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$68,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0457615209	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0460117539	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$80,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0461098046	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0461254795	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0463023182	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0467711331	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0468476932	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0468740749	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0469435394	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0469753741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0471780946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0472559526	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0473340582	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0476259843	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0477198331	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0478477156	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0479293542	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0479929855	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0480148531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$92,000.00	X.XX%		$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0480783967	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0481090220	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0483402683	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0484783192	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0485650397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0486142676	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0486498384	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0487734677	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0488204299	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0488245550	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0490851909	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0491830060	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0491876266	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0492102086	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0492588280	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0494992739	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0495201315	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0495880308	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0495888028	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0496810511	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0499254341	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0499464974	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0501253857	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0501455988	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$60,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0502684606	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0503453720	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0503910634	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0505516651	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0507665120	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0507942240	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0508941774	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0509014970	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0509120301	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0509314130	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	-$155,000.00	X.XX%		$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0509861088	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0510065180	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0510526383	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0510823449	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$120,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0511458781	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0511845762	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0512759925	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0512967034	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0514889445	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0514911547	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$80,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0514931933	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0515694141	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0515741205	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$550,000.00	X.XX%		$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$200,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0516138331	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0518123289	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0520881445	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0522531413	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0522852872	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0524393616	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0525185331	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0527140298	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0528180734	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0528660580	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0530401630	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0532254220	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0537625964	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0538479394	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0538841828	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0540206093	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0541587853	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0543134906	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0543789604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$610,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0544330473	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0544574775	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0544926696	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0545886417	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0546470392	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$1,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0546982400	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0547623901	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0547978152	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0548463602	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0548797420	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0550144923	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0550989130	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0552860246	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/28/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0553156929	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0553427834	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0555111794	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0557117155	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0559343835	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0564013465	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$250,000.00	X.XX%		$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0564117540	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0565652703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0566437922	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0566471440	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$41,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0567453780	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0569917666	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0570271949	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0570513278	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0571738103	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0571834468	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0572193032	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0576779655	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0577024580	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0577937627	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/24/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0580353514	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0580638326	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$40,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0581080892	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$125,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0581153019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0581668793	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	-$21,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0582728022	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0583669130	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0584010144	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0584821554	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$95,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0586843564	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0587159102	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0588281509	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0593161858	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0594082502	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0595519475	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0595966090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0596479746	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0597406975	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0600013363	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0600826871	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0600880390	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0601179919	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0602994947	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0603037429	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	-$3,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0604448663	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0607459260	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0607734121	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0609654852	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0610365943	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0611157774	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0611174293	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0613003181	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0613325006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0613346654	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0613849723	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0614019970	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0614757952	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0614802090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0614851065	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0617239089	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0618556981	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0620669841	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0622207817	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0622447186	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0622850231	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0623280190	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0623583228	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0624217489	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/24/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0625528973	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0625605036	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0626287568	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0626546741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0627046694	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0627487009	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/24/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0628033429	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0628474476	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0628959913	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0630109554	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0630199689	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0630679400	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0631113431	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	-$42,700.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0631940285	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/14/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0633902394	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0638103580	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0638105081	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0638960243	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0639811343	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0640206922	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0640341798	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0641742926	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	-$70,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0643298415	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$34,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0643479218	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/17/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0644110086	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0645777222	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	-$164,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0646286583	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0646560304	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0647357136	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0647487812	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0648277897	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0648913917	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0649735364	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0652032481	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0655161664	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0655187402	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0655279696	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/15/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0656667459	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0657147507	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0658359156	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0658844556	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0659400247	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0660553110	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0661488921	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0662363872	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0664380511	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2015	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0664627791	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0665395682	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0665965422	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0666881867	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0667616840	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0668216684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0668772718	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0670055049	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0673329949	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0673450928	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$14,038.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0674565489	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0676762365	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0676919554	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/23/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0678587374	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0678625676	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0679138713	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0679252018	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0680325869	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0680426111	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0680896695	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0681217411	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0681802770	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0681843996	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$148,000.00	X.XX%		$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0681965876	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0683221084	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0683404502	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0686824466	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0688934770	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0689186852	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$125,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0689457144	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0692125962	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$98,000.00	X.XX%		$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0693156686	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0694125193	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0695290357	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0696347923	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0697259713	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0697834920	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/07/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0698013421	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0698111392	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0699324090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0699648486	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0703908889	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$98,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0704120707	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0705235038	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0706026808	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$40,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0706159325	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0706924815	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0708559280	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0708578741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0709421346	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0709590973	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/17/2018	$XXXXXXXX	$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0710918819	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0711007464	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0711334582	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/14/2018	$XXXXXXXX	-$17,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0712765367	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$31,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0713162404	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0714743642	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0715662239	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0715688072	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0715717740	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0716232883	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0716561921	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$7,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0717659572	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0719459077	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0721706072	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0724177741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0725731995	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0727459228	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0729558823	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0730003334	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0730242448	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0731398515	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$55,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0731995264	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0735685733	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0735921845	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/23/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	05/22/2017	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0737146717	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/14/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0738253855	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0738274899	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$150,000.00	X.XX%		$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0739331367	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0740031046	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0742239349	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0744737919	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0745736747	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$168,500.00	X.XX%		$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0746335355	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0746653253	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0747216100	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0750301829	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0750579491	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0751179157	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0752553197	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0755960673	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0756969189	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0757076519	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0757204988	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0757534570	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0758609394	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/10/2018	$XXXXXXXX	-$115,000.00	X.XX%		$0.00	$0.00	0.00%	08/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0758660317	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	-$175,000.00	X.XX%		$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0760099635	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0760396515	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0760744981	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0761345254	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0762320006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0763977636	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0764157893	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0764836799	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0765931251	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0766191276	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0766383717	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0768591242	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0771606420	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0773032528	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$162.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0773381066	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0774505168	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0775536437	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$160,000.00	X.XX%		$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0775992907	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0776270039	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0776853802	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0777720574	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0779537352	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	-$32,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0779774590	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0779999854	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0780849884	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0782622048	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0785569992	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$279,000.00	X.XX%		$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0788164452	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0788620379	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$59,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0789783978	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0790283946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0790331614	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0790462945	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0790952202	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0791655629	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0792095185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$86,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0792703684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0794447566	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/19/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0798170138	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0798850220	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0799232040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	08/28/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0799252061	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0799834078	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0800168035	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0800261886	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0801362810	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0802153807	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0802625466	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0803011450	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/22/2018	$XXXXXXXX	-$42,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0804371245	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/17/2018	$XXXXXXXX	$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0806512647	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	-$85,000.00	X.XX%		$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0810065078	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0811586104	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0811910087	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0812037708	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0815629093	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0815631913	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0818233854	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0818310724	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0819811966	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0820083233	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0820583551	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0820746499	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/20/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0822001214	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0822132971	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0822982384	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0823231210	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0823322421	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0823345828	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	-$310,000.00	X.XX%		$0.00	$0.00	0.00%	08/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0824398569	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0825690565	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$105,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0827067999	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0828523608	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0829835279	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	-$90,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0833182988	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0833391569	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0833474932	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0834096936	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0834483262	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0834541058	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0835839159	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0836125019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0836885129	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/28/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0838612020	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0839645185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0842346846	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$175,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0842528024	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0843284060	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0843476446	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0844111679	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0846187492	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0850050609	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0852693617	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0853252601	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0853451215	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$65,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0853493505	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$295,000.00	X.XX%		$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0855089407	XXXXXX	XXXXXX	XXXXXX	XXXXXX	08/01/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0857682927	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0858597185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0858831854	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0859006934	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0860257579	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$40,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0860714860	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0861025234	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0862155272	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0863141973	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0863332801	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$185,000.00	X.XX%		$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0865728848	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0865862600	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0867284006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	09/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0867751689	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0867904980	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0867932150	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0868383880	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	-$195,000.00	X.XX%		$0.00	$0.00	0.00%	08/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0869393649	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	-$20,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0871195932	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0872131759	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/30/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0873079287	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0874024776	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0874677846	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$100,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0875110896	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0875180264	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$65,000.00	XX.X%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0875225617	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$43,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0875535391	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0879476504	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0880425542	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0880760163	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0881049732	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0884429066	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0884612900	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0884744628	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0886100473	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$10.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0887034000	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0887287177	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0888004779	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/01/2017	$XXXXXXXX		$0.00	Not Applicable		$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0888415758	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0888493860	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0888655946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/03/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0888865589	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$75,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0890092621	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/14/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0890639821	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0890817088	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0892262279	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0894088670	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0894336777	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$18,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0898827823	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$150,000.00	X.XX%		$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0899098724	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0899193324	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0902187372	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/08/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0904109970	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0904115200	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0905985421	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0907447747	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0908098433	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0908549237	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$60,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0908680187	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0910200755	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0910662429	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0912267266	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0913104715	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	-$250,000.00	X.XX%		$0.00	$0.00	0.00%	07/14/2018	$XXXXXXXX	-$63,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0915404189	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0915779397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0915860785	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0916804908	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$30,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0919107167	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/03/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0922046023	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0922364463	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0924087800	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0925144741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/05/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0925540248	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0926549496	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	-$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0926837766	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/23/2018	$XXXXXXXX	-$15,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0926887637	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0930239802	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/29/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0930512679	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0931949453	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0932061187	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0933025288	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0934349583	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/06/2018	$XXXXXXXX	-$500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0934830773	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0937438810	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0938290319	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$70,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0938471898	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0938811867	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0940687595	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$2,500.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0941193792	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	-$45,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0942393948	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0943342751	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/27/2018	$XXXXXXXX	-$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0943552244	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	-$1,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0943656851	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0946190906	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0946819794	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0946947178	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	06/29/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0947169587	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0947295933	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$55,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0947596461	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0948252999	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0949271487	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0950377148	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/28/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0950744304	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/21/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0951073400	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0952048545	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0955045165	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/11/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXX	-$148,000.00	X.XX%		$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0957040283	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0958014311	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/06/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0960038203	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0961574925	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0963686981	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0964126380	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/31/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0965012040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0965857590	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0966044763	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/07/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	-$16,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0966190385	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$55,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0966645068	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0966785835	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/14/2018	$XXXXXXXX		$XXXXXXXX	Desk		$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0967116917	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/30/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	-$23,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0968184499	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/24/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/26/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0968856431	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0969383340	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/16/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0969721013	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/07/2018	$XXXXXXXX	-$140,000.00	X.XX%		$0.00	$0.00	0.00%	08/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0969827929	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/26/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0970079302	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0971073667	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0972022484	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/20/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/20/2018	$XXXXXXXX	-$25,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0972232318	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/10/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0973307040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXX	-$350,000.00	X.XX%		$0.00	$0.00	0.00%	07/28/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0976531224	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/09/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/02/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0977471703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0977661323	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/08/2018	$XXXXXXXX	-$50,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0978753786	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0980488873	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/11/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0981403422	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/14/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0982345250	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/01/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$5,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0982443372	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/25/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0982720521	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/21/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0983111775	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/16/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0984572253	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/13/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/23/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0986661943	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	08/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0987162808	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXX	-$35,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0987404872	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/27/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	06/28/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0988200170	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/18/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/01/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0988947927	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/23/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0991274931	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0992354120	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/17/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/06/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0993077861	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/12/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/10/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0993095607	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/03/2017	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/03/2018	$XXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0997993072	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/19/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	$3,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX
0998514552	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/27/2018	$XXXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXX	-$10,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	(No Data)	XXXXXX

EX-99.5

Exhibit 99.5

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	7/12/18 TO 9/21/18
Deal Loan Count:	1,030
Report Run Date:	11/7/2018 1:15 PM
Conditions Report 2.0
Loans in Report:	1,030
Loans with Conditions:	424

375 - Total Active Conditions
	375 - Non-Material Conditions
		138 - Credit Review Scope
			3 - Category: Application
			22 - Category: Assets
			42 - Category: Credit/Mtg History
			2 - Category: DTI
			25 - Category: Income/Employment
			3 - Category: Legal Documents
			4 - Category: LTV/CLTV
			37 - Category: Terms/Guidelines
		7 - Property Valuations Review Scope
			1 - Category: Appraisal
			6 - Category: Property
		230 - Compliance Review Scope
			1 - Category: Documentation
			2 - Category: Federal Consumer Protection
			1 - Category: Repayment Ability
			16 - Category: RESPA
			3 - Category: Right of Rescission
			6 - Category: State Consumer Protection
			201 - Category: TILA/RESPA Integrated Disclosure
333 - Total Satisfied Conditions
		77 - Credit Review Scope
			5 - Category: Application
			11 - Category: Assets
			6 - Category: Credit/Mtg History
			15 - Category: DTI
			19 - Category: Income/Employment
			6 - Category: Insurance
			6 - Category: Legal Documents
			8 - Category: Terms/Guidelines
			1 - Category: Title
		84 - Property Valuations Review Scope
			31 - Category: Appraisal
			5 - Category: FEMA
			4 - Category: Property
			44 - Category: Value
		172 - Compliance Review Scope
			29 - Category: Ability to Repay/Qualified Mortgage
			1 - Category: APR Tolerance
			1 - Category: Compliance Manual
			13 - Category: Documentation
			3 - Category: Federal Consumer Protection
			2 - Category: Finance Charge Tolerance
			1 - Category: Municipal Consumer Protection
			1 - Category: RESPA
			18 - Category: Right of Rescission
			2 - Category: State Consumer Protection
			101 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

©2018 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 Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	7/12/18 TO 9/21/18
Deal Loan Count:	1,030
Report Run Date:	11/7/2018 1:15 PM
Conditions Report 2.0
Loans in Report:	1,030
Loans with Conditions:	424

Loan Number

Original Principal Balance

State

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

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

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

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

Compensating Factors

0000539464

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX, CD XXX and Last CD XXX: Loan Costs Section, (B) Tax Service Fee is missing the payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines of 680. Borrower 2 score XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.   Borrower has XXX months of reserves

0000539464

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

XXX documentation not in file to determine source of $XXX funds at closing and the letter from the Attorney's does not state terms of withdrawal from XXX

8.23.18 - Client responded. "Per Underwriter notes from XXX, this information was requested, however was determined that: """"XXX drive the allowable requirement on XXX assets and will accept a XXX letter only. Therefore waiving the XXX asset conditions which were placed."""" Per the Underwriter, Management was involved in the decision to allow. Seller Guide is silent so we can defer to XXX guidelines, which state: 9. Funds from a XXX The Borrower must be the beneficiary and have access to the funds as of the date of the loan closing. The Borrower’s portion of undistributed XXX funds may be used as reserves only.Provide a copy of the XXX agreement or a signed statement from the XXX manager that documents the following information: ¦ Identifies the Borrower as the beneficiary ¦ Confirms that the Borrower has access to all or a certain specific amount of the funds ¦ Confirms that the XXX has sufficient assets to disburse funds needed by the Borrower. When XXX funds are needed for closing, evidence of receipt of the disbursed funds from the XXX is required." 8.23.18 - Clayton has reviewed the clients response, reviewed the underwriter comments in the file and reviewed the XXX guidelines and has determined this is satisfactory.

8.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines of 680. Borrower 2 score XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.   Borrower has XXX months of reserves

0002116486

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 XXX K1’s for XXX.

8.14.18 - Client responded. XXX K-1s and XXX 1040s attached to document borrower had no XXX in those XXX. 8.14.18 - Clayton has reviewed clients response and documents provided prove borrower had not XXX in the XXX Companies.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $74,463.84. Post close reserves $XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX months same line of work.

0002116486

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing xxx K1’s for XXX.

8.14.18 - Client responded. XXX K-1s and XXX 1040s attached to document borrower had no XXX in those XXX XXX in XXX. 8.14.18 - Clayton has reviewed clients response and documents provided prove borrower had not XXX in the XXX Companies.

8.4.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $74,463.84. Post close reserves $XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX months same line of work.

0002150880

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $177,376.88 which is 49.56 of PITI. Only requires XXX months [$XXX]. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX; requires XXX.

0002286736

XXXXXX

OH

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

Repayment Ability

Active

B

B

B

B

CMPSTRA119

OH CSPA - No lender analysis of repayment ability in file

No

Missing  lender analysis of repayment ability from loan file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $99,790.35 for reserves, borrower only needs 12 mo piti or $44,433.84 in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI allowed XXX%, current DTI is XXX%

0002286736

XXXXXX

OH

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP122

OH CSPA; Tangible Net Benefit worksheet not in file

No

Tangible Net Benefit worksheet not in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $99,790.35 for reserves, borrower only needs 12 mo piti or $44,433.84 in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI allowed XXX%, current DTI is XXX%

0004496873

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0004581873

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Evidence of borrowers hazard insurance expense is not reflected on hazard policy located in file. Provide evidence of annual hazard expense to support monthly premium of $XXX used to qualify.

8.6.18 - Client responded. See attached verbal verification by the underwriter of the Hazard yearly premium of $XXX which would be $XXX a month. 8.6.18 - Clayton has reviewed clients response and document provided reflects HOI premium.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0004689080

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $344,311.03 or 58.96 months PITIA, guidelines required 9 months PITIA.

0004970842

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX: Other Cost - Section E; XXX Hazard Fee of $XXX should be in section H.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $533,203.09 or 92.72 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guideline minimum of 740

0004970842

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Legal Documents

Active

B

B

B

B

CRDLGL4033

Missing Legal Document(s)

No

Lender Exception for Alternative Trust Vesting - Revocable Exception Trust. Trust Cert in loan file. Compensating factors include strong equity in departure residence giving them excellent reserves, Excellent mortgage history and low DTI of XXX with strong residual income.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $533,203.09 or 92.72 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guideline minimum of 740

0008041499

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit. No documentation was located in file to support earnest money cleared borrowers account prior to close. Earnest money was deducted from available reserves. Guidelines require reserves of $32,502.51. Post close reserves $32,348.56. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has XXX years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.

0008152003

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0008195660

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrowers XXX have great scores over XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines and have a total of $451,822.09.

0009181738

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

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 within 20 days of Note. Most recent Verbal verification of employment in file is dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XX years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has lived in prior residence for the past XXX years with no delinquencies.

0010986960

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.10.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.10.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked with current employer for XXX years and XXX months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in same profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, below max of XXX%.

0011261531

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median credit score XXX exceeds minimum XXX score requirement

0013122254

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $138,309.19 or 37.93 months PITIA, guidelines required 9 months PITIA.

0015099243

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage reviewed XXX month XXX late. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0016350976

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $303,629.15 or 77.57 months PITIA, guidelines required 9 months PITIA.

0016372090

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on job CFCFS2860: Good credit history - Clayton Comments:  Excellent credit

0016719759

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $1,348,924.35, after closing reserves remaining are $1,038,246.95. [205.26 months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0019540524

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0020840721

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 126.83 month PITI cash reserves $393,793.22.   CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0021056348

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has consumer credit reviewed for XXX months with XXX days. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX for XXX yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX.

0024275800

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $81,402.61 which is 20.02 of PITI. Only requires 12 months [$4066.95 x 12= $48,803.40]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence.

0025405304

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

UW decision summary form indicates a Lender exception was issued for XXX month XXXL reduction. Customer is only short $XXX of required XXX. Compensating Factors: customer has over strong profile which warrants tracking exception, ratio’s XX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  Back end ratio is XXX%.

0026885631

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has been employed for XXX years, and borrower 2 has been employed XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 1 score was XXX, and borrower 2 score was XXX, the minimum score required is XXX

0031030909

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 48865.62 or 13.04  months PITIA.

0033023613

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has 1 active trade line; guidelines require 3

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid FICO is XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower been with same company XXX years

0035239899

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

XXX tolerance fees total $XXX due to the increase in Appraisal fee from $XXX to $XXX on final LE dated XXX. No COC or Itemization of Fees found in file. Please provide valid change of circumstance, corrected post close CD, copy of refund check, LOX, and verification sent to the borrower.

8.23.18 - Client responded. Disagree. The Appraisal fee increased from $XXX to $XXX on the final LE issued XXX, with a valid Change Circumstance reason of “appraiser confirmed standard rate,” with a new invoice and new appraisal in file that meets timing. Copy of changed circumstance and invoice are attached. 8.23.18 - Clayton has reviewed the clients response and COC has been provided to support the increase in fee and disclosed to the borrower in a timely manner.

8.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score is XXX

0038665471

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0039058195

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0041469318

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $XXX in post-closing reserves, which is $96,403.70 more than the guideline required amount of $46,423.48, or 36 months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline limit of 43.0% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for the past XXX years.

0042024485

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

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 due to missing evidence earnest money deposit cleared borrowers funds, unexpired credit report and evidence of liquidation of XXX assets to support required funds to close.

7.26.18 Client responded. "1- Lender guidelines allows discretion in determining whether or not the source of funds to cover the EMD should be verified. In this case, the borrower had $XXX verified liquid funds ($XXX in total eligible assets) and needed $XXX at closing excluding the EM. The $XXX EMD represented XXX% of the $XXX purchase price. The EMD doesn't appear excessive for the market or for the borrowers history of accumulated savings. 2- Per lender guidelines, up to a 10-day variance is allowed on credit documents > 120 days before the note date. 3- Documentation (evidence) to support the liquidation of XXX was not required. Per lending guidelines, the underwriter may use judgment in requiring proof of liquidation of publicly traded stocks, bonds and mutual funds. XXX with an asset value of $XXX was an individual brokerage account that consisted of publicly traded stocks and mutual funds. 7.26.18 - Clayton has reviewed clients response and a review of guidelines to confirm liquidation is not required and borrower had more than enough funds to support EMD.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.Guidelines require reserves of $45,946.98. Post close reserves $336,840.37. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX year same line of work.

0042024485

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Verification of liquidation of XXX Investment account to support required funds to close was not located in file. XXX Feedback Certificate requires evidence of the liquidation of $XXX. Additionally evidence the $XXX earnest money deposit reflected on Final CD cleared borrowers account prior to close was not located in file. Provide satisfactory documentation to support liquidation of XXX and verification earnest money deposit cleared borrowers account prior to close.

7.26.18 - Client responded. "1- Documentation (evidence) to support the liquidation of XXX was not required. Per lending guidelines, the underwriter may use judgment in requiring proof of liquidation of publicly traded stocks, bonds and mutual funds. XXX with an asset value of $XXX was an individual brokerage account that consisted of publicly traded stocks and mutual funds. 2- Lender guidelines allows discretion in determining whether or not the source of funds to cover the EMD should be verified. In this case, the borrower had $XXX verified liquid funds ($XXX in total eligible assets) and needed $XXX at closing excluding the EM. The $XXX EMD represented XXX% of the $XXX purchase price. The EMD doesn't appear excessive for the market or for the borrowers history of accumulated savings. 7.26.18 - Clayton has reviewed clients response and a review of guidelines to confirm liquidation is not required and borrower had more than enough funds to support EMD.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.Guidelines require reserves of $45,946.98. Post close reserves $336,840.37. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX year same line of work.

0042024485

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support appraised value of $XXX.

7.17.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.Guidelines require reserves of $45,946.98. Post close reserves $336,840.37. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX year same line of work.

0043266166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0044175307

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Per UW Decision Summary lender approved an exception to guidelines allowing XXX XXX home buyers to not escrow. With mid fico of XXX (min required XXX low ratios and reserves this is non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower gets XXX time we did not use to qualify for loan . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0044191174

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX CD: XXX, Calculating Cash to Close, Clayton Review, Value: XXX Lender included POC amount of $XXX in Closing Cost Financed.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for XXX years. XXX years in same field CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is below the guideline 70% is at 42.22%

0045116907

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in same XXX CFCFS2860: Good credit history - Clayton Comments:  All accounts are paid as agreed. 0 X30 days

0046737724

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Consumer debt history satisfactory with no derog's CFCFS1739: Postive mortgage payment history - Clayton Comments:  Previous mortgage and rent history provided show no derog's CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTIXXX%/XXX% max DTI XXX%

0047362954

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

UW Decision Summary indicates the lender approved exception for XXX Escrow Waiver based on B1 has rental repayment history and is only income being used on loan. B1 has insufficient credit, however has documented XXX months history and has XXX tradelines all paid as agreed. Combined with low ratios, high residual and high PCL offsets risk for waiving escrows. B1 is only XXX month short of credit depth. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $203,383.07 or 29.53 months PITIA, guidelines required 9 months PITIA.

0049400665

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0050969443

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX credit score exceeds XXX score requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below maximum 80% guideline

0051430948

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0051467531

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $96,820.65 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  28.06%  DTI is below guideline requirement .

0052233364

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Max LTV XXX%, current LTV XXX% CFCFS2860: Good credit history - Clayton Comments:  Borrower's have satisfactory mortgage, rent and consumer debt history

0054058107

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $64,797.70 or 20.97 months PITIA, guidelines required 9 months PITIA.

0054477955

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.7.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.15.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.15.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $206,339.48 or 46.93 months PITIA, guidelines required 9 months PITIA.

0056433938

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0057270845

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

XXX Full project review for XXX required due to high XXX concentration XXX%. Full project XXX review was not located in file.

8.14.18 - Client responded. There was no project approval in place for the XXX at that time. A Streamline project review was approved by XXX Underwriting for max LTV / CLTV / TLTV XXX% for secondary occupancy. XXX Cert (Questionnaire) attached to document the health and financial status of the XXX and determine the eligibility of the project. XXX concentration was less than XXX%. 8.14.18 - Clayton reviewed clients response and XXX  questionnaire provided to reflect XXX percentage less than XXX%.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $220,447.44. Post close reserves $1.875.057.63. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have XXX years XXX months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has XXX years same line of work. Borrower 2 has XXX years same line of work.

0057623316

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $29,719.80. Post close reserves $285,807.31. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has XXX years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX exceeds guideline requirement 680.

0057809819

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Notary Status is missing from Mortgage.

8.1.18 - Client responded. See attached Recorded mortgage 8.1.18 - Clayton has reviewed clients response and Notarized copy of Mortgage provided.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI XXX% is X.XX% less than required 38% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower mid FICO score XXX is XXX points higher than required 730.

0057809819

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC869

Mortgage not signed

No

Mortgage not signed please provide fully executed mortgage

8.1.18 - Client responded. See attached Recorded mortgage 8.1.18 - Clayton has reviewed clients response and signed copy of mortgage provided.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI XXX% is X.XX% less than required 38% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower mid FICO score XXX is XXX points higher than required 730.

0058270026

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0062138525

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $XXX. Reserves required of $59,141.70(18 x $3,284.65). $339,939.69 remaining reserves after funds to close. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX for XXX years.

0062804076

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $49,383.00 or 12.81 PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0064324623

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation closing costs XXX - POC XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $0.  Reserves required of $62,519.40. (12 x $5,209.05).  $82,765.35 remaining reserves after funds to close. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX% DTI, max per guidelines is 43%

0065613723

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below 80% maximum guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% guideline

0069845823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $XXX which is 121.78 of PITI. Only requires XXX months [$XXX]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0070127001

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months. Borrower has XXX months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements of 80%. Current loan XXX%

0070488533

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 verification of XXX fee for XXX home XXX - non-subject PITI.

8.14.18 - Client responded. Verification of HOA fee ($XXX/month) for XXX home/condo (non-subject) documented with appraisal and current XXX for another property in same community / association (XXX). 8.14.18 - Clayton has reviewed clients response and proof of HOA fee provided.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $121,556.48 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0070488533

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of XXX fee for XXX home XXX - non-subject PITI.

8.14.18 - Client responded. Verification of HOA fee ($XXX/month) for XXX home/XXX (non-subject) documented with appraisal and current XXX for another property in same community / association (XXX). 8.14.18 - Clayton has reviewed clients response and proof of HOA fee provided.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $121,556.48 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0070488533

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

5/22/18 Verbal verification of employment for B1 completed outside the stated 20 days requirement prior to XXX closing date.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $121,556.48 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0070504501

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $344,788.59 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0070927601

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $72,102.36 or 13.45 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0071228505

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4354

TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form

No

CD: XXX. Section: Other Disclosures. Exception is valid. No loan acceptance found on CD and no confirm receipt section present on CD.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX. Copy of earnest money check in file reflects it was written after asset statement end dates. Earnest money deposit was deducted for available reserves. Guidelines require no reserves. Post close reserves $65,407.37. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has XXX years same line of work.

0071618558

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

7.25.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

(No Data)

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $1,477,853.35 [441.15 months PITI]

0071826660

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0072919677

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Guidelines require Verbal Verification of Employment within 20 days of closing. Borrower and Co Borrower VVOE's dated XXX; Closing date is XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $624,962.18 or 204.51 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0073157852

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 110.29 month PITI in cash reserves $603,225.85 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX is for XXX yrs.

0074859117

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX + yrs. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in same residence for XXX yrs.

0075349705

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 proof of HOA fees for primary residence of $XXX a month per final 1003.

8.8.18 - Client responded. Proof of HOA fees ($XXX/month) for primary residence (XXX) were documented with a current XXX for a property in the same neighborhood / same street XXX) - XXX attached. The higher amount of $XXX/month per final 1003 was used in final underwriting. 8.8.18 - Clayton has reviewed clients response and documentation provided to confirm HOA fees for subject property.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Current primary residence mortgage with XXX has XXX mos rated with no late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX has a XXX credit score.

0075349705

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing proof of HOA fees for primary residence of $XXX a month per final 1003.

8.8.18 - Client responded. Proof of HOA fees ($XXX/month) for primary residence (XXX) were documented with a current XXX for a property in the same neighborhood / same street (XXX) - XXX attached. The higher amount of $XXX/month per final 1003 was used in final underwriting. 8.8.18 - Clayton has reviewed clients response and documentation provided to confirm HOA fees for subject property.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Current primary residence mortgage with XXX has XXX mos rated with no late payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX has a XXX credit score.

0075360042

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $126,770.37 or 34.97 months PITIA, guidelines required 9 months PITIA.

0078146643

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds guidelines

0078207827

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0079032979

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $94,224.42($5234.69X18). Post close reserves $531,336.19.

0081175350

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX has stable employment. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have good ratios. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have no late payments reflected on credit report.

0081505543

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Credit report shows XXX open trade lines which does not meet guideline requirements of 3.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX in the past XXX years.

0082860889

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX median score for both borrowers CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on job

0083139506

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0083610438

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0084390630

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job- XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrowers have 32 months of reserves.

0086477773

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

B

A

A

A

A

A

B

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,207,484.21 or 195.47 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0088768631

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years job tenure. CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mortgage history with XXX with XXX months reviewed.

0089216543

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

B

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX: Section- Calculating Cash to Close, Closing Cost financed value $XXX does not equate to the amount based on the Reg's formula $XXX. Closing Cost Financed is off by $XXX the amount of closing cost paid before closing (POC).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0089216543

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

B

B

B

B

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender Exception for short reserve requirements by XXX months. Compensating factors include excellent mortgage payment history, Long term employment, low LTV at XXX% and minimal use of revolving credit.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0089216543

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

B

B

B

B

Credit

Income/Employment

Active

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 with-in 20 days of Note. Most recent Verbal verification of employment in file is dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0089216543

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

B

B

B

B

Property Valuations

Value

Satisfied

A

A

B

B

PRVAVALU153

Value Not Supported

No

7.10.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0089278036

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment in current position of nearly XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is below requirements at XXX.

0090525176

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 104.64 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower (XXX) has been with same employer for XXX yrs.

0090741819

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $XXX.  Reserves required of $79,787.04(12 x $6,648.92).  $826,549.00 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43%

0090806215

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 balance sheet.

8.23.18 - Client responded. See attached balance sheet and CPA letters 8.23.18 - Clayton has reviewed the clients response and balance sheet along with CPA letter provided.

8.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves of 17 months or $98,353.51; per guidelines 12 months reserves required CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX for the past XXX years and XXX months.

0090806215

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Balance sheet not provided forXXX Borrower.

8.23.18 - Client responded. See attached balance sheet and CPA letters 8.23.18 - Clayton has reviewed the clients response and balance sheet along with CPA letter provided.

8.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves of 17 months or $98,353.51; per guidelines 12 months reserves required CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX for the past XXX years and XXX months.

0090964202

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

The initial CD XXX was not delivered 3 days before the final CD XXX.

8.8.18 - Client responded. Disagree. Consumers requested and were approved for a XXX Personal Financial Emergency Waiver of the Initial CD three business day waiting period. Copy of waiver request executed by consumers and e-mail approval from XXX Department are attached. 8.8.18 - Clayton has reviewed clients response and waiver provided as required.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $321,446.27 or 77.32 months which exceeds minimum required per guidelines of 6 months.

0091129079

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Federal Consumer Protection

Active

C

B

C

B

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

The loan officer's name on the Note, Mortgage and the 1003 is XXX. The XXX database verified the loan officer's name as XXX. The XXX Website does not reflect any version of XXX.

7.30.18 - Client responded. XXXL will waive issues related to exact name matches on XXX. 7.30.18 - Upon further Clayton review this should be a non-material exception.

7.30.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $217,426.14 or 73.77 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0091281745

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history of XXX months

0092502626

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has XXX years XXX months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.13 plus $XXX earnest money deposit. No documentation located in file to support earnest money deposit, funds were deducted from available reserves. Guidelines require reserves of $40,145.31. Post close reserves $246,492.81

0092577367

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX - Loan Costs section, Field C: Title endorsements, closing/escrow, closing protection letter, courier, Exam/anyls, lenders policy, recording service, and title search fee are missing actual payee name.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $391,842.38 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0093280417

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $143,525.01 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0093391416

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX, exceeding guideline minimum of 680.

0093820582

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min required is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% current DTI Max is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Min reserves required = 12 mos. PITIA. Verified post close reserves of 48.66 mos.

0097773823

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 45.83 months PITI cash reserves $167,005.19.

0100220843

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $173,278.97 or 35.48 months PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower XXX residence XXX years

0101678452

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0101939809

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception: Loan is short PCL to qualify. The XXX exchange funds exceed the amount to be used. The XXX Exchange funds are allowed towards funds to close but not for PCL. Comp Factors: Borrower is heavily vested in retirement with $XXX in additional retirement funds not used to qualify and could be used if needed or they had a life event. Good residual income. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has XXX mortgage payment history at primary residence for the XXX years.

0102344638

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Credit report shows only XXX open tradeline which is below the required minimum of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in prior residence for the past XXX years with a good payment history.

0103495284

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max XXX% CFCFS2860: Good credit history - Clayton Comments:  All accounts are paid as agreed. XXX

0103502554

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $93,361.43 or 25.23 months which exceeds guideline of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline of 43%.

0107878708

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $123,717.79 or 26.16 months PITIA, guidelines required 9 months PITIA.

0108909842

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

B

B

D

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Notary Status missing from Loan Security Agreement.

8.30.18 - Client responded. See attached documents, 'Assignment Of Proprietary Lease' & 'Stock Power' which are a part of the Loan Security Agreement. Attached documents has the Notary status instead of the actual Loan Security Agreement. Loan is a Cooperative property, thus the difference. 8.30.18 - XXX has reviewed clients response and documents provided cure issue.

8.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have low DTI ratios below requirement. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have stable employment in their industries.

0108909842

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

B

B

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD's issued XXX and XXX, Section; Other Costs, (E) Taxes and Other Government Fees, line 01, Recording fees are not itemized.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have low DTI ratios below requirement. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have stable employment in their industries.

0108909842

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

B

B

D

A

D

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

The primary borrower has XXX open accounts, less then the required XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have low DTI ratios below requirement. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have stable employment in their industries.

0108909842

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

D

B

D

B

B

B

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.30.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have low DTI ratios below requirement. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have stable employment in their industries.

0109144764

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4801

TRID - LE:  In 5 Years:  Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed.

No

Total P&I has been calculated manually and the condition remains. However, the TOP is within tolerance.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job last XXX years with same employer , CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0110833760

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX Closing Costs Financed (Paid from your loan amount) value of -$XXX does not match review's calculation of $XXX; a difference of $XXX of closing coasts paid before closing. Requires corrected PCCD, LOX and verification of shipping.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $XXX[XXX months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence.

0110833760

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4340

TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE XXX & Cd XXX Closing Costs Financed (Paid from your loan amount) value is disclosed as a negative number. Mandate requires it to be disclosed as a positive value. Requires corrected PCCD, LOX and verification of shipping.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $XXX[XXX months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence.

0110833760

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

7.24.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $XXX[XXX months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence.

0111556138

XXXXXX

NE

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) reflects $XXX but should be minus the POC's of $XXX for $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years XXX mos. current job time CFCFS2860: Good credit history - Clayton Comments:  all accts. are paid as agreed. No derogatory items CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close reserves 56.27 mos. Min required is 12 mos. PITIA

0111556138

XXXXXX

NE

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support appraised value of $XXX

7.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years XXX mos. current job time CFCFS2860: Good credit history - Clayton Comments:  all accts. are paid as agreed. No derogatory items CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close reserves 56.27 mos. Min required is 12 mos. PITIA

0111957265

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR118

ROR - Disbursement date is on/before disclosed "midnight of" date

No

Final CD dated XXX closing date XXX with disbursement date of XXX. CD signed on XXX - XXX reflects provided XXX and XXX as date allowed to cancel thru not meeting full XXX day requirement.

8.20.18 - Client responded. Disagree. XXX is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD with cover letter is attached. 8.20.18 - XXX has reviewed clients response and corrected CD provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX

0111957265

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD dated XXX closing date XXX with disbursement date of XXX. CD signed on XXX - XXX reflects provided XXX and XXX as date allowed to cancel thru not meeting full XXX day requirement.

8.20.18 - Client responded. Disagree. XXX is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD with cover letter is attached. 8.20.18 - XXX has reviewed clients response and corrected CD provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX

0111957265

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, Value of XXX does not match Clayton Calculation, Value of XXX. The Difference of XXX POC's.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX

0111957265

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Lender Exception: Allowable cash out dollar amount. Comp Factors: LTV is XXX. DTI XXX. Good reserves and residual income of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX

0111964884

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0112554815

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $207,428.87 or 35.00 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0113567085

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0114684850

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $131320.27.  Reserves required of $42,201.72(12 x $3,516.81).  $209,898.62 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0116986907

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD's XXX & XXX Other Costs section, Field H: Borrower paid Home Warranty is missing optional designation

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $96,763.64 in post-closing reserves, which is $44,681.60 more than the guideline required amount of $52,082.04, or 22 months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

0118728065

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $146,723.52 or 25.00 months PITIA, guidelines required 9 months PITIA.

0120722895

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; maximum LTV is XXX%. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $59,216.39, after closing cost assets are $58,889.94 [18.96 months PITI].

0120900958

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

N/A

B

N/A

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD dated XXX & XXX Other Costs Section E reflects $XXX seller paid fee for Natural Hazard Disclosure report. This is not a recording fee and should be reflected in Section XXX.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $154,624.29 or 42.46 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%

0120900958

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

CD: XXX percent tolerance fee increased at or prior to closing without a valid reason in Section E in the amount of XXX.

7.30.18 - Client responded. "Disagree. Ten percent baseline on initial LE issued XXX included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on initial CD issued XXX. It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. XXX percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section XXX of Final CD issued XXX to cure variance in XXX% tolerance category. This is not a testing defect so no corrective action is required. 7.30.18 - XXX has reviewed clients response and fee is reflected on Master Settlement Statement as stated and not a XXX% tolerance fee. Correction has been made.

7.30.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $154,624.29 or 42.46 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%

0121431033

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 203.70 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0122429948

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $215,310.61 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0123414667

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $80,059.56 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0123912332

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $XXX; XXX Calculation, Value: $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $375,641.46 or 110.14 months PITIA, guidelines required 9 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is XXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0123912332

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4340

TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

CD: XXX Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value$: XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $375,641.46 or 110.14 months PITIA, guidelines required 9 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is XXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0123912332

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Is $ XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $375,641.46 or 110.14 months PITIA, guidelines required 9 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is XXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0124292839

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD:XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is $XXX and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Values does not match. Includes the Second Loan of XXX. Second loan Section XXX line XXX should have been input line XXX under Other Credits.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $XXX in post-closing reserves, or 74.19 months in reserves of subject PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0126320343

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0127313297

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0128008292

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $162,620.93 verified cash reserves exceed guidelines.

0128858382

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0129588875

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Approved at XXX% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX median score

0132343938

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median credit score XXX exceeds minimum XXX score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum XXX% guideline

0136090100

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $103,610.95 or 18.25 months PITIA

0139027317

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $60,361.07, which is 17.53 PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%. Actual DTI is XXX%.

0140249386

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing acknowledgment of receipt of CD dated XXX XXX days prior to consummation. Only CD in file and issued XXX and signed at closing XXX. Certificate of Document Status in file does not reflect a CD sent XXX.

8.17.18 - Client responded. Disagree. Closing date is XXX. Initial CD with issue date of XXX and e-signed by both borrowers XXX meeting XXX business day timing found in file. No file evidence of a CD issued XXX referenced in the issue. Copy of initial CD and e-delivery consent forms are attached. 8.17.18 - XXX has reviewed clients response and missing Initial CD dated XXX has been provided and entered.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  both borrowers have XXXl credit history and a great payment record no lates in last XXX years

0141101584

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. mtg. history reviewed on credit report. XXX X XXX days.

0141520251

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0142891226

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds minimum requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $747,096.42, or 108 months PITI reserves.

0143361937

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

B

B

C

B

C

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

Last LE Issued XXX. Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX. Exception Satisfied

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.

0143361937

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

B

B

C

B

C

A

C

B

B

B

Credit

Assets

Satisfied

C

A

C

A

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Missing documentation to validate Stock with XXX in the amount of $XXX, Retirement account in the amount of $XXX and Retirement with XXX in the amount of $XXX used in DU in asset calculation.

8.24.18 - Client responded. File was approved by underwriter not using any funds from XXX, or any XXX assets from XXX. UW did use XXX XXX XXX account with $XXX balance as of XXX. Attached is copy of XXX statement. 8.24.18 - XXX has reviewed clients response and although these accounts were included on the DU they were not all needed to qualify borrower. Documentation has been provided for the XXX account used for reserves.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.

0143361937

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

B

B

C

B

C

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.14.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.

0144285526

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception for borrower short X.XX months reserves. Compensating factors include low DTI, LTV and residual income of XXX per month therefore non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% max is XXX% CFCFS2860: Good credit history - Clayton Comments:  All accounts are paid as agreed. XXX X XXX days

0144647005

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3036

Assets reflect unsourced deposits

No

Missing documentation to source $XXX large deposit made into XXX #XXX dated XXX

7.15.18 - Client responded. $XXX XXX deposit XXX was an employee bonus the borrower received as consideration for maintaining the secrecy of the acquisition between XXX and XXX that was announced XXX. Supporting document(s) attached; Confidentiality and Bonus Agreement (see page 2), XXX XXX, XXX Statement. 7.15.18 - XXX has reviewed and supporting documents for large deposit provided and meets guideline requirements.

7.15.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer XXX years XXX months.

0146322185

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $896,431.78, after closing reserves remaining are $618,779.82. [75.52 months of PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0147808644

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0148735314

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0148928706

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3262

Property issues indicated

No

Lender Exception: UW Decision Summary indicates the lender approved exception to allow purchase of subject Condo over XXX% commercial use of project with actual XXX% commercial use. Comp Factors: Low DTI XXX%/XXX%; post close reserves of XXX months (XXX months required) good residual income.

8.17.18 - Client responded. LVAM approved exception - Condo Commercial Use Requirement. Exception approved under the PCO delegated authority. 8.17.18 - XXX has reviewed clients response and based on lender exception approval and compensating factors this is non-material.

8.17.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $390,540.53 or 88.78 months PITIA, guidelines required 9 months PITIA.

0149256384

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Loan is not reflected on Disclosure Data Master sheet to verify received date of initial CD.

7.23.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached. 7.23.18 - XXX has reviewed clients response and although the Disclosure Data Master sheet does not reflect the subject loan the documentation has been provided to reflect borrower opened email for receipt of CD dated XXX on the same day.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has verified cash reserves of $280,911.95 or 89.75 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below guideline requirement XXX% by XXX%

0149515558

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $3,607,691.00, after closing reserves remaining are $3,436,691.86. [693.82 months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0150494453

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XX/XX/XXXX-1 [Last CD], Section: Summaries of Transactions, XXX Line XXX the dates are not listed for the HO Credit on Account. Please provide the dates or move this fee between Lines XXX.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 32.20 months reserves. 12 months reserves required for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 791. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI X.XX%. Max DTI for this program is 38.00%

0151690530

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 documentation to validate $XXX in T&I for XXX XXX XXX XXX property used in DTI calculations.

8.24.18 - Client responded. Copy of XXX XXX tax statement showing annual taxes of $XXX. Statement Attached. Copy of XXX XXX XXX attached, $XXX annual premium. Monthly $XXX. 8.24.18 - XXX has reviewed clients response and documentation to support non subject PITI provided as required.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX XXX with XXX, XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession of XXX/XXX for the past XXX years.

0151690530

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX Summaries of Transactions, Section XXX - County taxes missing the to and from dates.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX XXX with XXX, XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession of XXX/XXX for the past XXX years.

0151690530

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing documentation to validate $XXX in T&I for XXX XXX XXX XXX property used in DTI calculations.

8.24.18 - Client responded. Copy of XXX XXX tax statement showing annual taxes of $XXX. Statement Attached. Copy of XXX attached, $XXX annual premium. Monthly $XXX. 8.24.18 - XXX has reviewed clients response and documentation to support non subject PITI provided as required.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX XXX with XXX, XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession of XXX/XXX for the past XXX years.

0153297521

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD: XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is ($XXX) and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Values does not match. Lender including Section XXX line XXX and should not be.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years current job CFCFS1739: Postive mortgage payment history - Clayton Comments:  excellent pay history

0154581283

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $405,722.87.  Final CD reflects required funds to close, $148,826.49. Evidence earnest money deposit of $7,000.00 reflected on Final CD was not located in file. Total required funds to close $155,826.49. Guidelines require reserves of $32,615.37.  Post close reserves $217,281.01. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years XXX months in same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.

0155021176

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception Request: Short X.XX months cash reserves. Based on compensating factors of low DTI and exceptional credit history exception is considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $427,712.04 or 84.52 months which exceeds minimum guideline of 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been XXX XXX in current business for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX is below guideline requirement of XXX%.

0155021176

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Insurance policy in file reflects dwelling coverage in the amount of $XXX which is less than $XXX loan amount. Insurance company not on HOI matrix, policy does not reference XXX and coverage is less than cost new per appraisal.

7.20.18 - Client responded. Insurance coverage is sufficient (Product HO-3). XXX XXX XXX XXX (XXX XXX XXX) provides adequate coverage, see forms and endorsements applicable to this policy to include Homeowners 3 - Special Form. Losses to the dwelling will be paid on a replacement cost basis. Policy attached 7.20.18 - XXX has reviewed clients response and correct endorsement has been provided to reflects sufficient coverage.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $427,712.04 or 84.52 months which exceeds minimum guideline of 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been XXX XXX in current business for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX is below guideline requirement of XXX%.

0158011616

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0158089928

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower only has XXX open trade lines, minimum required is XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 76.87 months in reserves.

0159652676

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0160034481

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP2129

MD Counseling Notice not in file

No

XXX Counseling Notice not in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  752  exceeded the guideline requirement of 720 by 32  points.

0160254982

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4253

TRID - CD: The Deposit value in the  LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number

No

Last LE dated XXX reflects Calculating Cash to Close Table - Deposit from Borrower as $XXX. Final CD dated XXX - Calculating Cash to Close Table LE column reflects Deposit as $XXX as the number was moved to Deposit line. XXX dated XXX corrects error.

(No Data)

Exception satisfied.

Numeric

Not Applicable

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

0160254982

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4282

TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

Last LE dated XXX reflects Calculating Cash to Close Table - Down Payment/Funds from Borrower as $XXX. Final CD dated XXX - Calculating Cash to Close Table LE column reflects $XXX as the number was moved to Deposit line. XXX dated XXX corrects error.

(No Data)

Exception satisfied.

Non-Numeric

Not Applicable

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

0160254982

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4283

TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

Last LE dated XXX reflects Calculating Cash to Close Table - Deposit as %XXX. Final CD dated XXX - Calculating Cash to Close Table LE column reflects Deposit as $XXX. PCCD dated XXX corrects error.

(No Data)

Exception satisfied.

Non-Numeric

Not Applicable

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

0160927868

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has bonus income on paystub CFCFS2860: Good credit history - Clayton Comments:  Excellent credit history both borrowers

0161861212

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

LE XXX not on Disclosure Data Master sheet and not signed. Delivery date defaults to XXX days or XXX which is only XXX days prior to XXX closing date and not XXX as required.

7.30.18 - Client responded. Disagree. Latest Loan Estimate was eDisclosed XXX and consented by the consumer XXX. Per XXX, this is the same as an “in hand” delivery. Copies of the audit trail screen shot detailing consumer consented to e-delivery XXX and consented to e-delivery of the Latest Loan Estimate XXX and eDisclosure Agreement accepted by the borrower XXX are attached. 7.30.18 - XXX has reviewed clients response and e-consent and internal tracking has been provided to reflect e-consent received and LE received via email on XXX.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for XX years CFCFS2860: Good credit history - Clayton Comments:  Good credit history no late payments

0163954213

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $87,987.61 verified cash reserves exceed guidelines.

0164030071

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

B1-Missing copy of XXX

7.23.18 - Client responded. XXX B1 attached. 7.23.18 - XXX has reviewed clients response and Permanent resident alien card provided as required.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  All accts paid as agreed. XXX X XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max is XXX% CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX months. mortgage history reflected on credit XXX days

0164030071

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Limit of Liability is $XXX with replacement cost of XXX% at $XXX. Loan amount of $XXX with estimate of cost of rebuild of $XXX. XXX is not on matrix.

7.23.18 - Client responded. Insurance coverage is sufficient. XXX (subsidiary of XXX) provides adequate coverage, Special (HO3). Losses to the dwelling will be paid on a replacement cost basis. Policy attached 7.23.18 - XXX has reviewed clients response. HOI declaration reflects HO3 endorsement and meets requirement.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  All accts paid as agreed. XXX X XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max is XXX% CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX months. mortgage history reflected on credit XXX days

0164653991

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 98.74 month PITI cash reserves $325,903.44

0164791162

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX; Credit score exceeds guidelines of XXX.

0165629269

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

There are only XXX active accounts under primary borrower.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with XXX years with company. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is  good below requirement.

0166545321

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $151,368.17.  Reserves required of $37,387.08 (12 x $3,115.59).  $97,356.99 remaining reserves after funds to close.

0166666769

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0166846040

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max is XXX% CFCFS2860: Good credit history - Clayton Comments:  All accts. are paid as agreed XXX X XXX CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in same profession

0169287683

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $667,736.26 or 108.86 months PITIA CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per credit report Positive mortgage payment history on all properties.

0171730794

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs.

0172734876

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has PITI 177.84  cash reserves $892,324.19

0178227752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0178267185

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has XXX active tradelines which is less than the minimum required of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below maximum per guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0178514074

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

XXX percent tolerance fee increased $XXX for recording fee increase without a change of circumstance in file. CD XXX has a credit for $XXX credit is insufficient to cure.

8.8.18 - Client responded. Agree. The Recording fees increased from $XXX to $XXX on the CD issued XXX, without a valid Change Circumstance reason. There was a $XXX Over Tolerance credit that was applied to the Recording fees; however, it did not entirely cure the increase. The borrower would be due an additional refund in the amount of $XXXto cure the XXX% fee tolerance category. On XXX, consumers were sent a corrected CD, cover letter and check for $XXX as corrective action to cure defect. Copy of cover letter, check and corrected CD are attached. 8.8.18 - XXX has reviewed clients response and corrected CD, letter to borrower and copy of check for $XXX have been provided to cure issue.

8.8.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI below guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $170,632.73 verified cash reserves exceed guidelines.

0179090626

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with current employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0180186956

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0180441145

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Borrowers have rented for last XXX years, Lender did not provide a XXX month rental payment verification .

8.21.18 - Client responded. XXX month rental payment verification (VOR) attached; $XXX/mo to XXX XXX. 8.21.18 - XXX has reviewed clients response and bank statements with proof of debit for $XXX a month rent to landlord provided.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX/XXX qualifying score. Min required per guidelines is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with XXX for XXX years

0180634997

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in same primary residence for XXX yrs.

0181700581

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $482402.19, or 135.48 months PITI.

0181700581

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

Lender Exceptions: 1) Wants to close in the XXX.. 2) Purchase less than XXX day policy for cash (cash recoup) 3) LTV is XXX% (Max for Second Home XXX%) Comp factors: XXX borrowers: XXX XXX and XXX, XXX and XXX (XXX). All are on the title of the home they purchased in cash which closed on XXX, XXX XXX, XXX. XXX and XXXr are owner occupying the home.-All XXX would like to be on title vested under the XXX. XXX documents are in XXX. XXX, currently active since XXX, nature of business is XXX. XXX Credit score Good reserves - $XXXXXX.XX, or X.XX months PITI.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $482402.19, or 135.48 months PITI.

0181700581

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.26.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.6.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $482402.19, or 135.48 months PITI.

0181967666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

B

B

D

B

D

B

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: XXX Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has a significant amount of assets after cash to close

0181967666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

B

B

D

B

D

B

C

B

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has XXX tradelines and not the required XXX. Lender Decision summary notes borrower has XXX years credit depth with XXX credit score.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has a significant amount of assets after cash to close

0181967666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

B

B

D

B

D

B

C

B

B

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing copy of signed Note for mortgage loan with XXX and final CD for $XXX for the purchase of new property located at XXX. Per final 1003, REO section, payment is $XXX and tax/ins $XXX, total $XXX, neg. rent. 1003 is only showing $XXX.

8.24.18 - Client responded. Missing components of non-subject PITI attached; XXX Note, final CD and Loan Details page for the purchase of new property located at XXX. Payment is $XXX + tax/ins $XXX = $XXX total payment amount. 8.24.18 - XXX has reviewed clients response and documents provided support PITI for non subject property.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has a significant amount of assets after cash to close

0181967666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

B

B

D

B

D

B

C

B

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Lender exception: Cash out greater than $XXX with LTV exceeding XXX%. Comp factors: Good reserves, minimal credit user, paid all mortgages on time since XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has a significant amount of assets after cash to close

0181967666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

B

B

D

B

D

B

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.5.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has a significant amount of assets after cash to close

0184922508

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines XXX months. XXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX. B1 current score XXX, exceeds guidelines by XXX points.

0185277921

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months in reserves or cash reserves $XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO Score is XXX .

0185592179

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $243,483.73.  Reserves required of $29,707.29 per feedback certification. $499,110.93  remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0187347410

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX median score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  150,893.50  verified cash reserves

0188269408

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower score of XXX exceeds minimum required score of XXX by XXX points. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has employed at current employer for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is XXX points below maximum LTV of XXX%.

0188925333

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $157,507.50 verified cash reserves exceed guidelines.

0188927762

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with same company for last XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $234,102.29, or over 33 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0189085941

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit. Documentation in file reflect earnest money check written after statement end date. Earnest money deducted from available reserves. Guidelines require reserves of $54,035.10. Post close reserves $418,455.46. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0191040732

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Lender Exception for Housing Payment History approved by lender. Borrower has demonstrated ability to pay and has residual income of $XXX, has savings ability with $XXX in liquid assets. Non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 142.83 months PITI cash reserves in the amount of $661,753.00

0191927482

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $216,350.15 or 24.86 months PITIA, guidelines required 9 months PITIA.

0192385695

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX and CD: XXX, Section: Loan Costs; Survey fee is missing payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for over XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.

0192385695

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

XXX tolerance fees (Extension Fee & Appraisal Fee (2)) increased at or prior to closing without a valid reason disclosed; refund of $XXX required within XXX days of consummation.

7.26.18 - Client responded. Disagree. TPR cited a refund of $XXX was required due to zero tolerance fees increasing prior to closing without a valid reason disclosed for Extension Fee & Appraisal fee (2). On XXX the appraisal fee increased from $XXX to $XXX for an over tolerance of $XXX. Section XXX of the final CD provided a Lender Credit for over tolerance over the legal limit. Final Appraisal inspection fee for $XXX was disclosed at inception on the first Loan Estimate and on every Loan Estimated and Closing Disclosure thereafter. Rate Lock Extension fee disclosed on XXX for $XXX, then increased to $XXX on XXX and $XXX on XXX. With each change in rate lock extension fee, the Change Circumstance team determined fee to be valid and provided approval. The fees were disclosed with in the required timeframe. Copy of origination system RESPA Changed Circumstance History screenshot attached. This is not a testing defect so corrective action is not required. 7.26.18 - XXX has reviewed clients response and internal document provided to reflect all COC issues.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for over XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.

0192385695

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VVOE in file for both jobs is dated XXX which is > XXX days from Note date of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for over XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.

0192385695

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Title Commitment and Mortgage do not match. Title reflects XXX. Mortgage reflects XXX and XXX.

7.26.18 - Client responded. Providing copy of Special Warranty Deed from XXX to XXX and XXX dated XXX. 7.26.18 - XXX has reviewed clients response and Warranty Deed has been provided and reflects both borrower names.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for over XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for over XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.

0192948739

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.

0196148126

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX guideline

0196540102

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0197058920

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $207,958.80 or 67.36  months PITI, exceeding guideline requirements. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below maximum allowed of XXX%.

0197222538

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.19.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $429,539.76 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0205559359

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,294,824.51 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0206928090

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3654

Borrower(s) do not meet guideline requirements for citizenship status

No

Underwriter Decision Summary: Lender exception, borrower has a XXX that is expiring on XXX. Compensating factors include established residency, strong credit scores, & reserves in excess of XXX times what is required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXX month with XXX late. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months of PITI cash reserves $297,525.50

0207014246

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [F]: Calculating Cash to Close, Closing Costs Financed - Final, Value of $XXX does not match XXX Calculation, Value of $XXX, difference is the Paid Before Closing amount of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $59,104.69 or 18.23 months PITIA, guidelines required 9 months PITIA.

0207014246

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2488

Verbal verification of employment missing

No

Missing Verbal Verification of employment for Co Borrower within XXX business days of Note date.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $59,104.69 or 18.23 months PITIA, guidelines required 9 months PITIA.

0207280745

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL100

Legal document incorrect or incomplete

No

Missing legal documentation to Validate XXX being deducted from borrower's income. XXX in file does not indicate a monthly amount.

8.24.18 - Client responded. Underwriter used $XXX/mo alimony payment deducted from income. This is documented on pages XXX,XXX of the XXX, consisting of $XXX/mo and $XXX quarterly. PDF Attached. Tax returns from XXX and XXX verify this yearly amount for the monthly and quarterly alimony amount exactly, as well as current bank statements. 8.24.18 - XXX has reviewed clients response and along with separation agreement and provided tax returns the alimony payment has been verified as required.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXXXXXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0207332752

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing complete copy of initial CD dated XXX. Only page XXX in file. Cannot input until recevied.

7.25.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX, this is the same as an “in hand” delivery. No evidence of a Closing Disclosure provided by XXX on XXX. The only Closing Disclosure in file with a XXX date is from XXX and it is not for the subject property. This is not a testing defect so corrective action is not required. Copy of origination system Documents and Packages page showing the Confirm date is attached. XXX - XXX has reviewed the clients response. The issue has to do with the CD dated XXX is missing pages XXX and cannot be input therefore only final CD dated XXX input. Per the client response their seems to be another CD dated XXX and that is not in the subject file either. Subject loan does not show on the XXX sheet. Please provide all paged of CD dated XXX and the XXX referred to in the client comments. XXX - Exception remains. XXX - Client responded. CD dated XXXprovided. 7.26.18 - XXX has reviewed clients response and missing CD provided and cures consummation issue.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $562,811.29 in post-closing reserves, which is $360,859.88 more than the guideline required amount of $127,257.17, or 90 months in reserves on the subject property. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided in prior primary residence for XXX years.

0208289210

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing evidence that CD Issued XXX was received by borrower XXX days before consummation.

8.15.18 - Client responded. Disagree. Closing date is XXX. XXX reflects Initial CD Date Issued XXX was received by borrower XXX, XXX business days prior to consummation. Per XXX team, XXX is a XXX; therefore the consumer consent form is not required. Per correspondent lender, the borrower would be unable to view the e-disclosures if they do not first consent to receive electronic loan disclosures through the XXX system. If the borrower did not consent, then audit trail would be able to be provided. Copy of XXX is attached. 8.15.18 - XXX has reviewed clients response and attestation to e-consent systems process.

8.15.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $610,132.00 or 113.86 months (12 months required) CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% well below guideline max of XXX%

0208311410

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing Written List of Service Providers

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his current profession for XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current primary for over XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below guideline requirement of XXX%.

0208561509

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $285,897.48 or 57.21 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% below guideline requirement of XXX % by XXX%

0208635607

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: -$XXX; Calculation, Value: $XXX. Values do not match. The difference is $XXX, which is the Closing Costs Paid Before Closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score is XXX.

0208635607

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4340

TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: $(XXX), disclosed as a negative number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score is XXX.

0208827178

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for XXX years.

0211138295

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $945,601.75, after closing cost assets are $815,663.90; Subject PITI is $5,203.16; REO PITI is $3888.77; 89.71 months PITI in reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B2 has been with the current Employer for XXX years.

0211294398

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $421,995.21 or 53.12 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0211344337

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

FACTS document shows affiliates. Affiliate Business Disclosure was not provided in the supporting documents in the file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been same job for last XXX years . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Fico of XXX exceeds the max of XXX CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional income in ot did not use to qualify

0212641480

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% guideline

0213187746

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has $XXX post close reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO score XXX

0214830788

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4241

TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts

No

PCCD dated XXX Calculating Cash to Close table LE column incorrect. Standard form Deposit is reflected as a positive number and should be negative, Seller Credits reflected as a positive number and should be negative and Adjustments and Other Credits reflected as negative number and should be positive.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $XXX, which is XXX months of PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guideline is XXX%. Actual DTI is XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is XXX. Borrower's qualifying score is XXX.

0214830788

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal Completed "Subject to" w/o Completion Cert in file.

8.6.18 - Client responded. Appraisal Cert provided as required. All work complete. 8.6.18 - Clayton has reviewed Appraisal Cert and all work completed.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $XXX, which is XXX months of PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guideline is XXX%. Actual DTI is XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is XXX. Borrower's qualifying score is XXX.

0214878009

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  B1 XXX years. B2 XXX years in same profession CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years resided in departure home.

0215539890

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0215841629

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in same residence for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months PITI cash reserves $XXX

0216529132

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

A ten percent tolerance has been issued in the amount of $XXX; however, a ten percent tolerance in the amount of $XXX has been determined and a Lender credit was issued for $XXX. Need evidence of a COC for the recording fees or proof of refund check in the amount $XXX.

8.6.18 - Client responded. Agree. Ten percent baseline on initial LE issued XXX (001) included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on the CD issued XXX (005). Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. There was an over tolerance credit of $XXX present in Section J of consummation CD issued XXX (006); although this does not cure the XXX% tolerance by $XXX, a refund of $XXX was issued by the Post-Closing team to cure the variance. Consumers were sent a corrected CD and correspondence advising loan principal was reduced $XXX on XXX. Copy of correspondence and corrected CD are attached. 8.6.18 - Clayton has reviewed clients response and PCCD with principal reduction and letter to borrower for error provided.

8.6.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 230533.56 or 12.62 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0217783098

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Federal Consumer Protection

Satisfied

N/A

A

N/A

A

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Loan officer name on XXX search has XXX suffix that is not listed on the application

7.23.18 - Client responded. See attached XXX documents supporting Loan Officer registered with and without the suffix. 7.23.18 - Clayton has reviewed clients response and document provided supports with and without suffix.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $153,507.97 in post-closing reserves, which is $XXX more than the guideline required amount of $88,454.74, or 20 months in reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

0217783098

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

There are two CDs present in the file both issued on XXX. However, the disclosure data master sheet reflects the initial CD was issued on XXX. Please provide CD for review. Fees will need to be re-tested upon receipt.

7.30.18 - Client responded. "Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Documents and Packages page showing the Confirm date and the Initial CD are attached. 7.30.18 - Clayton has reviewed clients response and CD dated XXX has been provided and entered. Internal document to reflect CD was received same day provided as well.

7.30.18  -Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $153,507.97 in post-closing reserves, which is $XXX more than the guideline required amount of $88,454.74, or 20 months in reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

0217783098

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

$XXX ten percent tolerance due to increase in recording fee from $XXX to $XXX without a valid CoC. Final CD provided $XXX cure leaving a remaining $XXX due to borrower. Requires corrected PCCD, copy of refund check, LOX and verification of shipping.

7.30.18 - Client responded. "Agree. The Recording fees increased from $XXX to $XXX on the CD issued XXX (005) with a valid Change Circumstance for the Record Power of Attorney fee, due to a POA stipulation being added; however, the Date of Knowledge of this change was XXX, and was not re-disclosed until XXX, which would not meet the XXX day timing requirement. The $XXX Over Tolerance credit was applied to the addition of the $XXX Miscellaneous Recording fee. The borrower would be due an additional refund of $XXX to cure the XXX% fee tolerance category. Refund to the borrower of $XXX and new CD reflecting the additional $XXX over tolerance credit is required to cure the defect. Remediation request sent to CDCR XXX. 7.30.18 - Exception remains. 8.1.18 - Client responded. Borrower was refunded $XXX for over tolerance credits and sent an updated re-disclosure. See attached. 8.1.18 - Clayton has reviewed clients response and PCCD as well as letter to borrower provided and error corrected.

8.1.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $153,507.97 in post-closing reserves, which is $XXX more than the guideline required amount of $88,454.74, or 20 months in reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

0219061471

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender exception requires XXX month verified PCL only XXX verified. Approved based on no cash in hand and loan is for buyout of XXX only.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in same residence for XXX yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has a XXX with XXX for XXX yrs.

0219061471

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

Lender exception : Rate in term refinance when borrower is not obligated on existing loan being refinance. Approved based on proof borrower has paid mortgage last XXX months and buyout of XXX only with no other cash in hand.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in same residence for XXX yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has a XXX with XXX for XXX yrs.

0219379553

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation closing costs XXX - POC XXX = XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum score per guidelines of XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below guideline requirement of XXX%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at subject property for over XXX years.

0219656982

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0220298655

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

5.22.17 Field Review Ordered.

6.7.17 Per Lender request, Field Review Cancelled. Reordered on XXX with a projected delivery date of XXX. 8.8.17 Field review received supporting appraised value with XXX% variance.

8.8.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage accts. are paid as agreed. XXX days. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has XXX years in same profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Overall mid score is XXX. Min required XXX

0220579384

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0221285703

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR118

ROR - Disbursement date is on/before disclosed "midnight of" date

No

Disbursement date of XXX is before end of statutory rescission period which is also XXX

8.20.18 - Client responded. Providing remediation documentation - copy of updated CD sent to borrower. 8.20.18 - Clayton has reviewed clients response and corrected PCCD provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0221285703

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX is before end of statutory rescission period which is also XXX

8.14.18 - Client responded. Agree. ROR is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Remediation requested XXX. 8.14.18 - Exception remains. 8.20.18 - Client responded. Providing remediation documentation - copy of updated CD sent to borrower. 8.20.18 - Clayton has reviewed clients response and corrected PCCD provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0221285703

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is due to $XXX amount paid prior to closing not reflected in Clayton calculation.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0221285703

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Credit

LTV/CLTV

Active

C

B

C

B

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

Lender exception: LTV over maximum. AUS approved XXX% LTV exceeds guideline maximum of XXX%. Borrower has provided cost breakdown for improvements, has a strong customer profile and existing XXX customers with abundance of assets, low ratios, low consumer debt usage, long time self-employment; No concerns with the collateral of the property where there are stable property values.

8.17.18 - Client responded. XXX approved exception - LTV. Exception approved under the PCO delegated authority. 8.17.18 - Clayton has reviewed clients response and based on lender exception approval and compensating factors this is a non material issue.

8.17.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in subject property for the past XXX years.

0221506177

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at subject property for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below guideline maximum of XXX%.

0221506177

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Lender Exception Request: Primary borrowers qualifying credit score is XXX which is below the required minimum per guideline for a Cash out refinance of XXX. Compensating Factors: Brw depth of credit since XXX with all paid as agreed; score of XXX only three points below guideline; Brw 2 score is XXX; Brw low score is impacted by revolving debt utilization. Risk offset is brw intends to pay off revolving debt with loan proceeds; owned subject for XXX years, Successful mortgage payment history, credit profile shows ability and willingness to pay; XXX mos PCL with minimum requirement of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at subject property for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below guideline maximum of XXX%.

0221577345

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in current profession for XXX years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a strong credit history with XXX revolving accounts and XXX installment with zero reported lates, no public records.

0221905704

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $XXX verified cash reserves exceed guidelines.

0222190857

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 23  months

0223663092

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0224983810

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

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 within XXX days of Note dated XXX Verbal verification of employment in file is dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $171,769.07  or 45 months PITI reserves, which is more than required reserves of  $33,701.40.

0225353111

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0225829599

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower on current job XXX years CFCFS2860: Good credit history - Clayton Comments:  excellent credit CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Excellent mortgage history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  XXX months reserves

0226738077

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with XXX for XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Coborrower has worked at XXX as a XXX for XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  fico scores XXX exceed min guidelines of XXX

0228158610

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close Section, Closing Costs Financed - Final, Value: $XXX does not match the review calculation Value:$XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified liquid assets of $220,586.56 using 2 months checking/savings account statements; PITI is $3,756.51; 58.72 months PITI in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0228190785

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

The following non-numeric error was found: CD’s dated XXX and XXX Section Other Cost, Field is Other Cost Section properly format? No: Other Cost Section G missing Payee Name for both Homeowner’s Insurance (incomplete)and Property Taxes.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $XXX verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI below guideline requirement.

0228436959

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing Mortgage. Please Provide copy of mortgage.

8.8.18 - Client responded. See attached Mortgage 8.8.18 - Clayton has reviewed clients response and mortgage provided as required.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX% guideline maximum is XXX%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

0228436959

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX: Section Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $XXX System calculates $XXX. The difference is the POC -Closing cost paid before closing $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX% guideline maximum is XXX%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

0228614070

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX: Section Calculating Cash to Close, Closing Costs Financed - Final, Value: $XXX; Calculation, Value: $XXX.  Values do not match.  The difference is $XXX, which is the (closing cost paid before closing).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage reviewed XXX month with XXX.

0228647088

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

As per the UW decision summary in file, a exception to guidelines for using business funds for down payment, closing costs & reserves was applied to this file. Non Material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  W-2 income and Sched. C income not used in qualifying the loan. Compensating factor only. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  max per guidelines is XXX% CFCFS1750: High potential for increased earnings - Clayton Comments:  XXX is an XXX with unlimited potential for increased earnings.

0228940826

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX: (1) Summaries of Transactions section, Adjustments for Items Unpaid by Seller, Water missing prorated dates.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $94,756.50  verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0230339079

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

All CD Disclosures: Section Other Cost; Natural Hazard fee of $XXX should be in section H. Please provide CD with correct information within XXX days of consummation.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer for over XX years

0232359516

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

B

B

B

B

A

A

B

B

B

B

Compliance

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4395

Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed.

No

Loan has flood insurance, but CD does not indicate if it is escrowed.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 85.69 month PITI cash reserves $400,459.65

0232359516

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

B

B

B

B

A

A

B

B

B

B

Property Valuations

Property

Active

B

B

B

B

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Lender exception due to condo with individual hazard insurance policy. HOA is required to have a master policy.The HOA does not provide a master hazard insurance policy; Exception criteria: Units are side by-side (not stacked) - Met o Units are side by side and not stacked There is a master liability policy in place with XXX as the named-insured and at least $XXX in per occurrence. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 85.69 month PITI cash reserves $400,459.65

0235009627

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 135,457 in reserves, borrower needs 39,011.04 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower at same employer XXX years

0236340647

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX.  Min XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $176,879.35  or 21.51 months

0237152218

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX County XXX for the past XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $117,692.23  or 35  months PITI reserves, which is more than required reserves of  $30,012.84.

0239164746

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 283,326 in reserves, borrower only needs 52,247.04

0239693695

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $74,112.78 or 22.20 months PITIA, guidelines required 12 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXXqualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0239888391

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 verification of some or all components of non-subject PITI.  AUS required proof of $XXX monthly payments to XXX , Primary residence monthly payment of $XXX to XXX, and New monthly payment for property located at  XXX (AUS indicates that property was recently refinanced in the amount of $XXX).

8.14.18 - Client responded. Verification of all components of non-subject PITI attached to include equity payment calculations for XXX ($XXX monthly payment) and XXX ($XXX monthly payment).   8.14.18 - XXX has reviewed clients response and documents to verify non subject PITI have been provided.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  188.54 Months Reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX

0239888391

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of some or all components of non-subject PITI.  AUS required proof of $XXX monthly payments to XXX, Primary residence monthly payment of $XXX to XXX, and New monthly payment for property located at XXX (AUS indicates that property was recently refinanced in the amount of $XXX).

8.14.18 - Client responded. Verification of all components of non-subject PITI attached to include equity payment calculations for XXX ($XXX monthly payment) and XXX ($XXX monthly payment).   8.14.18 - XXX has reviewed clients response and documents to verify non subject PITI have been provided.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  188.54 Months Reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX

0240502354

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 231 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XX.XX%.

0242035415

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of taxes and insurance and HOA (if applicable) for property at XXX,  Schedule of REO shows $XXX (Taxes/Hazard/HOA). Total PITIA  of $XXX for this property was used to qualify.

8.2.18 - Client responded. See attached (Online payoff page) showing T & I are escrowed for a total payment of $XXX for XXX property, also in file delivered page XXX.  See attached appraisal for XXX property showing HOA fee of $XXX/month.   8.2.18 - XXX has reviewed clients response and documentation to support non subject taxes, HOI and HOA has been provided.

8.2.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 110.52 months PITI reserves CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession - XXX years

0242268581

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrowers have 71 months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV is below the maximum of XXX%

0248964878

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $172,794.72 or 44.37 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%.

0249356201

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX%, which is XXX% less than the guideline max of XXX% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since XXX, XXX years.

0249451285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTVXXX%, MAX LTV XXX% CFCFS2860: Good credit history - Clayton Comments:  MTG and other debt history is satisfactory w/no lates.

0250033842

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

LTV/CLTV

Active

B

B

B

B

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

Lender exception for subject LTV is XXX%; per guidelines, max LTV for a Second Home Purchase with non-qualifying co-borrower is XXX%. Compensating factors include XXX as XXX for XXX years, marketability supported for COOP, low DTI and high residual income. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has been on the same job for  XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX; max allowable per guidelines is XXX%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession fro XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 1 & 2 have owned and occupied their primary residence for more than XXX years.

0250251707

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  Max XXX% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years current job time.

0250570444

XXXXXX

VT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0251476784

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying XXX of XXX exceeds minimum required per guidelines of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is less than maximum per guidelines of XXX%.

0251576373

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing partial XXX statement; Statement Dated XXX - XXX.

8.2.18 - Client responded. XXX Account was not used for assets.  Proceeds from sale of departure res, gift, XXXXX account, and retirement accounts used.  See underwriter comments page XXX.  Also AUS does not require XXX bank statements. 8.2.18 - XXX has reviewed clients response and XXX funds taken out of consideration and borrower still meets cash to close and reserve requirements.

8.2.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  The borrowers did not have any mortgage late during the past XXX months.

0253944538

XXXXXX

IN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX.

0255391162

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0256240448

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing evidence borrower received initial CD a minimum of XXX days prior to consummation. Data disclosure sheet indicates initial CD dated XXX was delivered on XXX. However, file only contains CD dated XXX. Please provide CD dated XXX

7.26.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached. 7.26.18 - XXX has reviewed clients response. File only contains two CD's both dated XXX. Missing Initial CD dated XXX. Please provide for input. XXX - Exception remains. 8.6.18 - Client responded. Copy of Initial CD dated XXX is attached. 8.6.18 - XXX has reviewed clients response and Initial CD provided as required.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs.

0256496044

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  borrower 1 at employer XX yrs XX mo CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower 2 at employer XX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 12 mo PITI, which is $62,071.80. Borrower has $236,297.00 in reserves

0256828822

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3604

TRID - Error discovered on Closing Disclosure

No

Last CD issued XX and PC CD Issued XX. Seller Address for the Additional Seller is missing on the CD Addendum.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median XXX score of XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0258476374

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower gets XXX income and XXX income  we only used the XXX (only has less than 1% ownership in business) additional income could be used as a compensating factor CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has extremely low dti at XXX% max is XXX%

0259691405

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. Appraiser was not able to gain access to the community therefore an AVE (Automated Valuation Estimator) has been ordered.

8.6.18 – An AVE  was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. 8.6.18 - Exception remains. 8.8.18 - Client responded. "Desk Review: The Desk Review contains conflicting information discrediting its validity and is deemed unreliable. For example, the Risk Rating section indicates the original appraisal is “EXCELLENT, the value submitted for review was supported and thought out. The report has required only limited review by the XXX Appraisal is acceptable”.  Furthermore, the Desk Review states that the comparable sales were selected under the Extraordinary Assumption that the subject property has similar/competitive quality/finish-out/craftsmanship as the sales selected for the Desk Review analysis. Therefore, without performing a thorough analysis of the subjects features and how they truly compare to the comparable sales utilized in the Desk Review, the Desk Review could not have returned a reliable value conclusion.   In addition, the Desk Review invokes an Extraordinary Assumption relative to the subject property's land value.  Noting similar comparable sales also with reasonable proximity and that land value extraction for the subject property and each selected sale is not within the scope of work of this assignment. This approach is flawed as the subject has a premium site/view location and significant or minor differences in the site would impact the final value conclusion of this product. The subjects is located directly on the XXX hole of the golf course and also has a desirable pond view. This amenity and its extensive gardens are far superior to those sales selected by the Desk Review and would certainly be recognized by a buyer in this marketplace. The Desk Review’s omission of applying land value extraction for the subject property and the sales selected, distorts any and all results rendered by the Desk Review. By invoking Extraordinary Assumptions for features and attributes that have significant impacts to the market value limits the reliability and confidence in the Desk Review’s value conclusion. Therefore, the Desk Review valuation should be disregarded  and the appraised value accepted. Origination Appraisal:  The subject property was listed on MLS and exposed to the market for XXX days prior to consummating a sale. The comparable sales in the Origination Appraisal also have shorter Days On Market, and comparable 6 has a similar golf & pond view ultimately supporting the estimate of market value. The Origination Appraisal contends the superior location amenity is a driving factor in the minimal Days On Market and the final estimate of value. Sales cited in the desk review analysis: • XXX: $XXX, XXX (sold) $XXX, XXX (listed) Design/style is colonial and NOT of brick construction. This sale has a wooded view, does NOT have a golf course or pond view. • XXX: $XXX, XXX (sold) $XXX, XXX (listed) All brick construction like the subject. This sale does NOT have a golf course view, but has a pond and residential views. • XXX: $XXX, XXX (sold) XXX (Listed) XXX list price All brick construction like the subject . This sale does NOT have a pond view and is not directly backing a specific hole/green like the subject." 8.8.18 -XXX has reviewed clients response and sending response to vendor. 8.8.18 - Exception remains. 8.13.18 - Vender has responded and based on additional comps more like the subject reported value is $XXX which supports original appraised value of $XXX.

8.13.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Cash Reserves in the amount of $212,235.84.

0261252710

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 50 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX

0263321717

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

B

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Recording Fees are not Itemized. Corrected on CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0263321717

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

B

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3554

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

LE Issued XXX was E-signed. Missing E-Consent.

8.22.18 - Client responded. Copy of e-delivery consent forms are attached 8.22.18 - XXX has reviewed clients response and e-consent has been provided.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0263321717

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

B

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3600

TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered

No

CD Issued XXX was E-signed. Missing E-Consent.

8.22.18 - Client responded. Copy of e-delivery consent forms are attached 8.22.18 - XXX has reviewed clients response and e-consent has been provided.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0263321717

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

B

D

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.30.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

9.4.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.4.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0265183174

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX years working for the XXX CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co- Borrower has been XXX years working for XXX.

0265407754

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Evidence of Hazard insurance does not state that it covers replacement of the dwelling. Dwelling insured limit is $XXX and appraisers estimate of dwelling construction cost is $XXX.

5.25.17 - Policy only indicates personal property replacement cost coverage. XXX Hazard matrix does not have XXX.  Need evidence policy has replacement cost coverage or cost estimator that has reconstruction estimate under policy limit. 5.25.17 - Exception remains. 8.16.18 - Client responded. HOI policy provided. 8.16.18 - XXX has reviewed and HOI policy provided reflects required coverage and endorsements for full replacement costs.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV per guidelines is XXX%. Actual DTI is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Per guidelines minimum credit score for subject program is XXX.  Borrower's qualifying score is XXX.

0265541902

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying XXX of XXX exceeds minimum guideline requirement of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of XXX%.

0267515996

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying XXX of XXX exceeds minimum guideline of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of  $172,123.25 or 32.17 months which exceeds guideline requirement of 12 months.

0268470192

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. mtg. history with XXX days. Paid as agreed.

0268610599

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: XXX Calculation, Value: XXX. Differnce is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $388,050.37 or 90.61 months PITIA, guidelines required 9 months PITIA.

0268610599

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount) is $XXX this is disclosed as negative, should be positive

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $388,050.37 or 90.61 months PITIA, guidelines required 9 months PITIA.

0268787983

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median XXX score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 47.85 months in reserves.

0269042426

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender has made exception for Unacceptable Property Type/ Unique property for the subject as no comps in area with accessory unit and large acreage. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $1,074,047.22 in post-closing reserves, which is $757,136.02 more than the guideline required amount of $316,911.20, or 162 months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline maximum of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

0269354136

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Co Borrower who is primary wage earner does not have any open trades in their name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total assets $430,870.55, after closing funds required, $240,302.29  for reserves. Borrower only needs 75,011.88 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min score allowed XXX, co borrower score is XXX

0269354136

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

9.12.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total assets $430,870.55, after closing funds required, $240,302.29  for reserves. Borrower only needs 75,011.88 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min score allowed XXX, co borrower score is XXX

0269641502

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.18.18 - A Desk Review was received with a reported value of XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.30.18 - A Field Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX.  Exception remains. 8.6.18 - Client responded. Additional commentary and comps have been provided to review. Response has been forwarded to vendor to review. 8.6.18 - Exception remains. 8.14.18 - Vendor responded and answered clients questions as well as reviewed additional comps but no change in value. 8.14.18 - Exception remains. 8.17.18 - Client responded with additional commentary on the comparables that were originally used. 8.17.18 - Clayton has reviewed clients response and sent commentary to vendor for further review. 8.17.18 - Per Clayton vendor major discrepancies in field review that was done. Suggested another be done by different appraiser. Clayton and client agree. 8.31.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.31.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $2,298,672.62 in post-closing reserves, which is $2,247,595.58 more than the guideline required amount of $51,077.04, or 810 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

0269643387

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has XXX mortgage history reviewed for XXX months

0270507565

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have stable employment. . CFCFS1744: DTI below guideline requirement - Clayton Comments:  Good DTI for file. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Good representative score of XXX.

0272650019

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0272672103

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD: XXX [Last CD], Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the portion of the  Home Warranty paid by the borrower 0f $XXX is not designated as Optional.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 18.67 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years

0272672103

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

B

A

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted?, Value: No. Section B. Appraisal, Appraisal Fee and Employment Verification Fee are missing the Payees say XXX. Corrected on CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 18.67 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years

0274145207

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $114,560.59 or 32.3 months which exceeds minimum required per guidelines of 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0274614979

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

C

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX: Calculating Cash to Close; Closing Costs Financed - Final, Value: $XXX; Calculation, Value: $XXX.  Values do not match.  Difference of $XXX, which is the amount that was paid before closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%  Max is XXX% CFCFS2854: Significant time in profession - Clayton Comments:  B1 has XXX years in current industry CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. review with XXX days

0274614979

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

C

B

A

A

B

B

Credit

Assets

Active

C

B

C

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Required X.XX mos reserves per guides. Borrower needs $XXXXX.XX, has XXXXX.XX.  Short $XXX.XX

7.17.18 - Client responded. "LVAM approved exception - Post close liquidity requirement. Exception approved under the XXX delegated authority. Calculated reserves $XXXXX / PITIA $XXXXX - short $XXXXX. 7.17.18 - Clayton has reviewed clients response and agrees non-material.

7.17.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%  Max is XXX% CFCFS2854: Significant time in profession - Clayton Comments:  B1 has XXX years in current industry CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. review with XXX days

0275505189

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  borrower dti is XXX% max is XXX% borrower is below the dti

0275686962

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is $XXX POC charges.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 recently received an increase of income per employment letter but used prior income as more conservative. Borrower has additional income which is not used.

0275686962

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3564

TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file

No

LE Dated XXX : Loan amount change $XXX without XXX or supporting documentation.

8.14.18 - Client responded. Disagree.  The loan amount increased on Loan Estimate dated XXX; however, the loan increase did not cause any fees to increase; therefore, changed  circumstance for the revised loan disclosure is not required.  This is not a testing defect so no corrective action is required. 8.14.18 - Clayton has reviewed clients response and a review of LE in question reflects an increase in loan amount but actual costs went down therefore no issue.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 recently received an increase of income per employment letter but used prior income as more conservative. Borrower has additional income which is not used.

0275686962

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Credit

Assets

Active

C

B

C

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Per UW Decision Summary the lender reviewed an exception to guidelines for insufficient amount of reserves and cash out refinance transaction on subject property that was purchased within the past XXX days. Borrower has XXX months PITI as opposed to XXX months required. Compensating factors include residual income and ability to repay.

8.17.18 - Client responded. LVAM approved exception - Reserve requirements (post close liquidity requirement). Exception approved under the XXX delegated authority. 8.17.18 - Clayton has reviewed clients response and based on lender exception and compensating factors this is non-material.

8.17.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 recently received an increase of income per employment letter but used prior income as more conservative. Borrower has additional income which is not used.

0275717944

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Lender has made exception for X.XX months of reserves versus the required X.XX months. Compensating factors for approval include low DTI of XXX% & XXX in residual income. Non Material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional income both borrowers have XXX income that we have not used to qualify CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score for both borrowers exceed the guidelines of XXX qualify score XXX

0279388628

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0280298830

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

B

A

A

D

B

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

7.17.18 - A Desk review was received which satisfies this exception; however, it did not support the original appraised value. A new exception has been issued for value not supported.

7.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0280298830

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

B

A

A

D

B

A

A

Property Valuations

Value

Satisfied

N/A

A

N/A

B

PRVAVALU153

Value Not Supported

No

7.17.18 - A Desk Review was received with a reported value of XXX which is a variance of -XXX less than the original appraised value of XXX. A field review has been ordered.

7.26.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0281852305

XXXXXX

OK

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same XXX for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX month in PITI cash reserves XXX

0282872801

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $442197.71 or 121.63 months PITIA. Reserves required $45387.96

0284213243

XXXXXX

OH

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $238,925.97 or 67.39 months which exceeds minimum required per guidelines of 6 months.

0285788581

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  no late payments CFCFS1739: Postive mortgage payment history - Clayton Comments:  no mortgage lates

0286681919

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX DTI, max per guidelines is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $104,004.23.  Reserves required of $48,952.80 (12 x $4,079.40).  $459,970.48remaining reserves after funds to close.

0286898494

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company for last XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0288906382

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Initial CD XXX, Other Costs, section E. - Recording fees not incremented. Corrected on subsequent CD XXX and Final CD XXX. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $163,277.75 or 51.86 months PITIA, guidelines required 9 months PITIA.

0289761335

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is over XXX points below maximum DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of 140 months exceed minimum reserve requirement of 9 months.

0289961875

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% max XXX% CFCFS1737: LTV below guideline requirements - Clayton Comments:  ltv XXX% max ltv XXX%

0290231103

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

A

A

D

B

D

A

C

B

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2340

Employment verification does not meet guidelines

No

The final verbal verification of employment XXX days prior to closing is missing.

8.20.18 - Client responded. See attached Underwriters notes as the underwriter verbally verified with borrower's employer on XXX (within XXX business days of closing ) that the borrower was still employed with XXX. 8.20.18 - Clayton has reviewed clients response and underwriting notes reflect VVOE completed on XXX and within XXX business days of closing as guidelines require.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with XXX years with current employer. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with fico score XXX.

0290231103

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

A

A

D

B

D

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.20.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.17.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with XXX years with current employer. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with fico score XXX.

0291123340

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR is signed by the borrower on XXX with an expiration date of XXX.CD dated XXX disbursement date is XXX it's before end of statutory rescission period. Please provide LOX, CD, proof of delivery, and New XXX to all entitled to rescind to re-open rescission within XXX days of discovery.

8.1.18 - Client responded. "Disagree. ROR is in compliance. Disbursement date on Final CD executed by consumers on XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD with cover letter is attached. 8.1.18 - Clayton has reviewed clients response and PCCD provided to reflect correct disbursement date and proof was sent to borrower.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history for XXX and XXX month reviewed XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score for Primary (XXX) XXX.

0291123340

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD dated XXX: Section Calculating Cash to Close- Closing Costs Financed; CD calculation is $XXX, System Calculation is $XXX.The difference is the closing cost paid before closing (POC) $XXX. CD PCCD dated XXX - Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history for XXX and XXX month reviewed XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score for Primary (XXX) XXX.

0291123340

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

Credit

Application

Active

C

B

C

B

CRDAPP131

Occupancy status not supported by file documentation

No

Per Underwriter Decision Summary, lender exception: Primary cashout for XXX, Borrowers are refinancing parents property and cashing out $XXX+ in order to enlarge the property so that there is enough space to accommodate both couples. Letter in file documents intentions and scope of work to be done, customer will be living in their XXX during construction and selling afterwards. Compensating factors include low LTV of XXX%, XXX in residual income and paid as agreed for mortgage since 2003. 8.1.18 - Client responded. "Disagree. Final Loan Application states property is a primary residence. The XXX Compliance Testing Team does not validate XXX occupancy other than reviewing the occupancy as stated on the Final Loan Application. Recommend that this issue be forwarded to Credit Risk to for an underwriting review to validate the occupancy stated on the Final Loan Application. 8.1.18 - Clayton has reviewed clients response and file contained a lender exception for issue with compensating factors therefore downgraded to non-material.

8.1.18 - Exception remains.

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history for XXX and XXX month reviewed XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score for Primary (XXX) XXX.

0291294869

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide proof the initial CD was received XXX days prior to the consummation date of XXX. Data disclosure list does not reflect this loan # to verify receipt.

7.23.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in Your Loan Tracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XX/XX/XXXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached. 7.23.18 - Clayton has reviewed clients response. Subject loan is not reflected on the Disclosure XXX sheet provided. Document provided as condition verifies the borrower opened email for CD dated XXX verifying it was received on same date.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job - XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 36+ months of reserves

0291914939

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Property

Satisfied

D

A

D

A

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing XXX Project approval. Per guidelines XXX Approval required due to investor concentration of XXX%. Provide XXX Approval for review.

8.8.18 - Client responded. XXX approved exception - XXX investor concentration requirements. Exception approved under the XXX delegated authority. 8.8.18 -Clayton has reviewed clients response and per XXX  guides this is acceptable.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit. Documents verifying $XXX earnest money deposit reflects funds provided after asset statement end dates. Earnest money deducted from available reserves. Guidelines require reserves of $31,773.42. Post close reserves $264,584.90. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX.

0291953783

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD: XXX Summaries of Transactions, Adjustments and Other Credits Calculation is $XXX does not match Calculating Cash to Close, Adjustments and Other Credits -$XXX. Includes the Second Loan of $XXX. 2nd loan credit should be in Other Credits section to calculate Adjustments and Other Credits accurately.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $1,336,227.92 or 166 months which exceeds minimum guideline requirement of 6 months.

0291953783

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

N/A

B

N/A

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD's dated XXX & XXX Other Costs Section E reflect a $XXX Natural Hazard Report fee in recording section. This is not a recording fee and should be in section H as it is not a tolerance fee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $1,336,227.92 or 166 months which exceeds minimum guideline requirement of 6 months.

0291953783

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

Ten percent tolerance fee or fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $XXX. Seller Paid. The cure of $XXX on the Final CD issued XXX is not sufficient to cover the cure.  Fee increase was due to Recording fee increase from $XXX to $XXX.

7.30.18 - Client responded. XXX - TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided. Ten percent tolerance fee or fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $XXX. Seller Paid. The cure of $XXX on the Final CD issued XXX is not sufficient to cover the cure.  Fee increase was due to Recording fee increase from $XXX to $XXX. "Disagree with investor. Ten percent baseline on initial LE issued XXX (XXX) included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on CD issued XXX (XXX). It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of consummation CD issued XXX (XXX) to cure variance in XXX% tolerance category.  This is not a testing defect so no corrective action is required. 7.30.18 - Clayton has reviewed clients response and Master Settlement Statement fee as stated and should not be a tolerance fee.

7.30.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $1,336,227.92 or 166 months which exceeds minimum guideline requirement of 6 months.

0292821946

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.18.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.24.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence of XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $1,412,324.64 which exceeds guideline minimum requirement of 6 months PITI.

0294722518

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX. Final CD reflects earnest money deposit of $XXX. No documentation located in file to verify cleared borrowers funds prior to close. Earnest money was deducted from available reserves. Guidelines require reserves of $27,199.80.  Post close reserves $876,904.64. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower XXX has XXX years same line of work.

0294875608

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.

0294950683

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD: XX/XX/XXXX-1 [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is $XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Section K Line XXX for Regions payoff should be under Adjustments line XXX therefore not calculating correctly into Adjustments and Other Credits section of Calculating Cash to Close table.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $66,038.17 or 14.01 months PITIA, guidelines required 9 months PITIA.

0295040676

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0295340277

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XX/XX/XXXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5319.23 and Field: Clayton Calculation, Value: 4683.80. Difference is POC of $635.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX%LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years with XXX in field

0295511605

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0296310550

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing Mortgage from file. Mortgage in file dated XXX.

7.25.18 - Client responded. See attached  Mortgage for XXX loan. 7.25.18 - Clayton has reviewed clients response and Mortgage for subject loan has been provided.

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

0296310550

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing liquidation of the XXX Account XXX in the amount of $XXX per the Loan Approval.

7.30.18 - Client responded. "The document from XXX references the acct number from which the funds were withdrawn (XXX), the check number, the amount withdrawn and shows that the funds were disbursed to the borrower.  The second document is a letter from the closing attorney which acknowledges receipt via 'by hand' of the funds in the same amount.   7.30.18 - Clayton has reviewed clients response and documents provided support liquidation of account.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

0297425087

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Lender has made exception for non-agency renovation loan product for subject. Based on all compensating factors mentioned in exception this is a non-material issue.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $400,762.47 in post-closing reserves, which is $275,332.95 more than the guideline required amount of $125,429.52, or 76 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of XXX%

0297425087

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal is subject to work to be completed based on a quote and Rehab agreement with lender for repairs totaling $XXX; No final inspection provided.

5.31.17 Client provided copy of subject to appraisal, however there was no completion cert in file. It appears work has not yet begun. 5.31.17 Exception remains. 8.16.18 - Client responded. Completion Cert provided. 8.16.18 - Clayton has reviewed completion cert and renovations have been completed.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $400,762.47 in post-closing reserves, which is $275,332.95 more than the guideline required amount of $125,429.52, or 76 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of XXX%

0297778942

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Provide Missing Co-borrower's (XXX) W2 for XXX.

8.17.18 - Client responded. Client provided XXX W2 transcript, verbal VOE, and Work Number Written Verification of Employment for co borrower's employment at XXX, which would be sufficient documentation, in lieu of the XXX W2. 8.17.18 - Clayton has reviewed clients response and docs provided are sufficient for docs required for XXX income.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrrower has XXX yr XXX months at same employer XXX years same field

0297778942

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX LE dated XXX only LE in file. Calculating Cash to Close, Total Closing costs in LE column of CD does not match to final LE dated XXX.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrrower has XXX yr XXX months at same employer XXX years same field

0297778942

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Provide Missing co-borrower's (XXX) XXX W2 in file.  File includes XXX/XXX 1040's and transcripts but not his XXX W2.

8.17.18 - Client responded. Client provided XXX W2 transcript, verbal VOE, and Work Number Written Verification of Employment for co borrower's employment at XXX, which would be sufficient documentation, in lieu of the XXX W2. 8.17.18 - Clayton has reviewed clients response and docs provided are sufficient for docs required for 2017 income.

8.017.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrrower has XXX yr XXX months at same employer XXX years same field

0298523928

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at the same resident XXX yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employers for XXX yrs.

0298523928

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD: XXX and Last CD XXX, Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the Home Warranty paid by the borrower is not designated as Optional and Title- Owner's Title Insurance is not designated as Optional.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at the same resident XXX yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employers for XXX yrs.

0300345056

XXXXXX

SD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0301211587

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3752

TRID - Error #2 discovered on Loan Estimate

No

LE: XXX, LE XXX and LE: XXX, Section: XXX and Contact Information - Missing State License ID #. Corrected on subsequent CD. Exception satisfied.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 390,619 left in reserves, after closing costs and 12 mo PITI for subject CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV was XXX, max allowed is XXX

0301211587

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Proof the XXX Mtg acct # XXX is secured on XXX, and Proof State Dept XXX mortgage includes  taxes and insurance

8.23.18 - Client responded. Verification that XXX Mortgage is secured on XXX is attached.  XXX confirms the mortgage is secured to this property and aligns with information on the credit report and loan statement.  Loan statement attached to reflect taxes and insurance are included in the payment.  P&I for XXX-month term at XXX% = XXX.  Loan statement and credit report payment with taxes and insurance matches, so escrows are included in the payment. 8.23.18 - Clayton has reviewed the clients response and documentation has been provided to reflect account is attached to property and mortgage statement provided to support PITI.

8.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 390,619 left in reserves, after closing costs and 12 mo PITI for subject CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV was XXX, max allowed is XXX

0301438280

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

$XXX due to increase in appraisal fee without a valid XXX. Final CD provided $XXX cure leaving a remaining $XXX cure to borrower. Requires corrected PCCD, copy of refund check, LOX and verification of shipping.

7.30.18 - Client responded. Disagree.  There was a $XXX rush fee added to the appraisal on XXX and disclosed to the borrower on XXX within the XXX day timing requirement.  No additional refund would be due to borrower.  Copy of origination system RESPA Changed Circumstance History screenshot attached.  This is not a testing defect so no corrective action is required. 7.30.18 - Clayton has reviewed clients response and XXX provided as required for additional fee.

7.30.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $117,892.23 verified cash reserves exceed guidelines.

0303767598

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession fro XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets : Verified $166,322.70 Post Cash reserves; meets the reserves requirements PITI is $9,276.48; 17.92 months PITI in reserves.

0303920414

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX; Calculation, Value: XXX. Values do not match. The difference is XXX, which is the Closing Costs Paid Before Closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $49,858.65 or 16.12 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years.

0304031245

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked for same employer for XXX years and XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves total $592,433.12 / 169.13 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTi is XXX% below max of XXX%

0304099588

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  borrower gets bonus income we did not use in qualifying purpose. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company XXX years. and same field XXX years

0304615935

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $330,286.03 or 128.02 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX%.

0305874088

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post cash reserves in the amount of $88,790.98; Subject PITI is $5,656.21; 15.69 months PITI in reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for XXX years.

0306488506

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0306509504

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has XXX years on current job CFCFS2860: Good credit history - Clayton Comments:  No lates

0308709723

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $471,103.46 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI below guideline requirement

0312469838

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX[Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final Value is $XXX which does not match Clayton Calculation, Value $XXX. The difference is the Paid Before Closing amount of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  There are XXX months in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The back end ratio is XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in his line of work.

0312469838

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Credit

LTV/CLTV

Active

B

B

B

B

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

Per UW decision summary form the lender approved an exception to guidelines for CLTV; subject cash out refi on 2nd home; max allowed is XXX%; current transaction is XXX% (XXX% exception) with stable employment; additional income that was not used to qualify & low ratios non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  There are XXX months in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The back end ratio is XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in his line of work.

0312469838

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.1.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  There are XXX months in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The back end ratio is XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in his line of work.

0313081657

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

D

A

C

B

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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  Balance sheet as required per ATR/QM.

8.21.18 - Client responded. Balance Sheet attached 8.21.18 - Clayton has reviewed clients response and balance sheet provided as required.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of XXX months.  Borrower has XXX months of reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX employed for XXX years

0313081657

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

D

A

C

B

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Balance Sheet missing for one or more XXX Employed borrowers

8.21.18 - Client responded. Balance Sheet attached 8.21.18 - Clayton has reviewed clients response and balance sheet provided as required.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of XXX months.  Borrower has XXX months of reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX employed for XXX years

0313081657

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

B

D

A

C

B

D

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.26.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.6.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of XXX months.  Borrower has XXX months of reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX employed for XXX years

0313736465

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR118

ROR - Disbursement date is on/before disclosed "midnight of" date

No

ROR "midnight of" date is XXX. Disbursement date is XXX per Final CD.

7.20.18 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation in process.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is same profession XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA

0313736465

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR "midnight of" date is XXX. Disbursement date is XXX per Final CD.

7.20.18 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX  sent to the consumers is required to cure defect.  Remediation in process.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is same profession XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA

0313736465

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) CD dated XXX reflects (XXX). Includes POC of $XXX which should be backed out and Closing Cost Financed should be ($XXX). CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -XXX CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is same profession XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA

0313736465

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR119

Appraisal documentation does not support occupancy

No

Appraisal dated XXX occupancy shows vacant.  Statement of Occupancy signed/dated XXX shows borrower must occupy subject property within XXX days of closing.  Per Final CD loan closed XXX.

7.20.18 - Client responded. XXX approved exception - Purchase < XXX days (prior to application) policy. Exception approved under the XXX delegated authority. The borrower purchased the subject property (primary residence) XXX as a cash transaction for $XXX. The borrower relocated for his employer from XXX to XXX in the 2nd quarter of XXX. The purpose of this loan (cash-out refinance) was to recoup part of the funds used to purchase the subject property. 7.20.18 - Clayton has reviewed clients response and located exception as stated.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is same profession XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA

0314654091

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds 680 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline

0315054426

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $99,788.22 or 29.82 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0316341829

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX employed for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $285,945.07 or 52.01 months PITIA, guidelines required 12 months PITIA

0320067234

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for last XXX yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Coborrower has worked for XXX for the last XXX yrs. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Loan has an XXX% LTV

0321475325

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX median score; guideline minimum is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post cash reserves in the amount of $95,035.97; Subject PITI is $3,932.07; 24.16 months PITI in reserves.

0324760773

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0325467878

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written list of providers XXX not provided within XXX days of initial application XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0327514557

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Provide documentation for the tax and insurance expenses for the property on XXX.

8.6.18 - Client responded. Property taxes for XXX. Provided. 8.6.18 - Clayton has reviewed clients response and property profile reflects property taxes for XXX and matches what was used at origination.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $405,132.15 in post-closing reserves, which is $340,506.29 more than the guideline required amount of $64,625.87, or 133 months in reserves CFCFS1736: Significant time at current residence - Clayton Comments:  Resided in primary residence for XXX years.

0327514557

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Provide documentation for the tax and insurance expenses for the property on XXX.

8.6.18 - Client responded. Property taxes for XXX. Provided. 8.6.18 - Clayton has reviewed clients response and property profile reflects property taxes for XXX and matches what was used at origination.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $405,132.15 in post-closing reserves, which is $340,506.29 more than the guideline required amount of $64,625.87, or 133 months in reserves CFCFS1736: Significant time at current residence - Clayton Comments:  Resided in primary residence for XXX years.

0327514557

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender made an exception on the loan for post close liquidity, penalty free access.   Based on all compensating factors mention in this exception this is a non-material issue, and lender compensating factors of when the borrower will retire, they anticipate they will sell the current primary residence that has projected proceeds of more than $XXX.  Low DTI  of XXX%. Residual income of $XXX. No mortgage lates.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $405,132.15 in post-closing reserves, which is $340,506.29 more than the guideline required amount of $64,625.87, or 133 months in reserves CFCFS1736: Significant time at current residence - Clayton Comments:  Resided in primary residence for XXX years.

0328225315

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $86,299.70 verified cash reserves exceed guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX year with employer per vvoe. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0328688311

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $165,658.59 or 52.96 months PITIA CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job XXX years and XXX months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years

0332876869

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $205,307.78 in post-closing reserves, which is $262,303.40 more than the guideline required amount of $53,140.48, or 71 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been with current employer since XXX, XXX years.

0333137496

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years XXX Months on current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Score XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX%

0333342921

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Verbal verification of employment located in file is dated XXX and is not within the allowable XXX business days of note date allowed by guidelines.  Note date XXX, VVOE required to be dated no later than XXX. Provide VVOE completed within allowable time frame for review.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXXX. Guidelines require reserves $29,663.73.   Post close reserves $752,758.80.

0334150332

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

A

A

B

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4241

TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts

No

Non Numeric Error CD: XXX, XXX: Calculating Cash to Close, - Cash to Close (LE side) discloses Cash to close as $XXX.  LE - Calculating Cash to Close discloses cash to close as $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of XXX% is XXX% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower mid FICO score of XXX is XXX points higher than required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.

0334150332

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

A

A

B

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4283

TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

Non Numeric Error CD XXX and XXX: Calculating Cash to Close (LE side) discloses deposit as $XXX (a positive number).  This figure should be disclosed as a negative number( -$XXX).

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of XXX% is XXX% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower mid FICO score of XXX is XXX points higher than required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.

0334150332

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

A

A

B

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID4253

TRID - CD: The Deposit value in the  LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number

No

Non Numeric Error CD XXX and XXX: Calculating Cash to Close (LE side) discloses deposit as $XXX (a positive number).  This figure should be disclosed as a negative number( -$XXX).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of XXX% is XXX% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower mid FICO score of XXX is XXX points higher than required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.

0334150332

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

A

B

B

B

B

A

A

B

A

B

B

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

XXX Public XXX Storm and Snowstorm XXX Storm and Snowstorm XXX. Missing subsequent inspection.

7.20.18 - Property Inspection provided and no damage to property.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of XXX% is XXX% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower mid FICO score of XXX is XXX points higher than required 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.

0334362006

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VVOE for borrower and co-borrower are not within XXX days from Note date.

(No Data)

Current VVOE for borrower and coborrower required

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 460.92 months

0335527558

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit  score per guidelines is XXX.  Borrower's qualifying score is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $XXX, which is XXX months of PITIA.

0336433365

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds 680 minimum score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum XXX% guideline

0336530573

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

C

B

C

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD XXX formatting, Other Cost, H:06 missing optional  for home warranty. Borrower costs $XXX.

(No Data)

8/13/17: re-reviewed, proper compliance grade for this is non material

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $479,156.35 or 113.90 months PITIA, guidelines required 9 months PITIA.

0336530573

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE XXX and LE XXX missing state with the XXX information.  Corrected by CD XXX Exception satisfied.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $479,156.35 or 113.90 months PITIA, guidelines required 9 months PITIA.

0336561855

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrower's median credit score is XXX CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Positive cash flows from XXX other business not used in qualifying.

0336614085

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $XXX.  Reserves required of $XXX(XXX x $XXX).  $XXX remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has more than XXX years at current job.

0336630495

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4242

TRID - CD: The Paid Already by or on Behalf of Borrower at Closing amount disclosed in the CD Summary of Transactions section does not equal its component parts

No

CD issued on XXX, under section: Summaries of Transactions, Field: L. Paid Already by or on Behalf of Borrower at Closing - Total, shows: $XXX. Clayton's review calculation is: $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds minimum required per guidelines of XXX months.

0336630495

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD XXX Section, Summaries of Transaction L. (Paid already by or on behalf of borrower at closing) CD value listed $XXX does not equal the adjustments and other credits in the calculation cost to close. System calculates $XXX , difference of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds minimum required per guidelines of XXX months.

0336630495

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD disclosures dated XXX and XXX: Section Other Cost H. Other; Pest Inspection missing payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds minimum required per guidelines of XXX months.

0340298639

XXXXXX

AL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 mid score is XXX  min. required is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  min. post close reserves required per guides =XXX mos. Verified XXX mos. post close reserves. CFCFS1739: Postive mortgage payment history - Clayton Comments:  credit report reflects XXX mos. hist. with XXX days.

0340498050

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Co-borrower as primary wage earner only has XXX trade lines in his name.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  co borrower employed XXX years and XXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score is XXX, borrower score is XXX

0340498050

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

9.24.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  co borrower employed XXX years and XXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score is XXX, borrower score is XXX

0342354538

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX, Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX and CD: XXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX. Values Do Not Match.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months in cash reserves $XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Loan has XXX months consumer history reviewed with XXX.

0342354538

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX, Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX and CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX. Values Do Not Match

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months in cash reserves $XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Loan has XXX months consumer history reviewed with XXX.

0343868694

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3124

Loan documents do not meet guideline requirements

No

Addendum in file and appraisal shows sale price as $XXX. Closing Disclosure shows Sales Price $XXX. 1) Missing Addendum to Purchase Agreement showing sales price of $XXX.    2) Provide correct page 1 of appraisal showing sales price of $XXX.

7.26.18 - Client responded. 1- Addendum to Purchase Agreement showing sales price of $XXX attached.  2- Lender guidelines do not require a revision to the appraisal as the change occurred after the effective date of the appraisal. Contract terms were renegotiated after the appraisal value came in less than the sales price. 7.26.18 - Clayton has reviewed clients response and addendum to contract provided to support sales price.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX. Min XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession XXX years.

0345305171

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX: Section Calculation Cash to Close; Closing Cost Financed on CD is $XXX, Claytons calculation $XXX. The difference is $XXX amount of the closing cost paid before closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has verified cash reserves of $XXX or XXX months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence XXX years

0345430447

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0346268595

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

CD XXX - Finance charge understated by $XXX due to $XXX courier charge and $XX loan tie in fee not included, satisfied on PCCD XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Co borrower has been in same profession for XXX yrs.

0346268595

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

CD XXX Disclosed Amount Financed  $XXX is higher than actual calculated Amount Financed $XX. Difference of $XXX due to missing Courier charge and Loan tie in fee, satisfied on PCCD XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS2854: Significant time in profession - Clayton Comments:  Co borrower has been in same profession for XXX yrs.

0346398451

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  B1 has X years in profession CFCFS2860: Good credit history - Clayton Comments:  Good credit history

0346404048

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

A

C

B

B

B

A

A

C

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Loan is calculated as Non QM due to DTI exceeding XXX%, Clayton Excluded Bonus income which is needed pending documentation.

7.20.18 - Client responded. A 2-year history and continuance of bonus income was documented with XXX W-2's, XXX Pay Voucher(s) and VOE. Income documentation attached. 7.20.18 - Clayton has reviewed clients response and documentation to support bonus income has been provided.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO of XXX exceeds minimum guideline of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $448,885.30 or 109 months which exceeds guideline of 6 months.

0346404048

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

A

C

B

B

B

A

A

C

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VVOE is dated XXX which is >XXX days from Note date of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO of XXX exceeds minimum guideline of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $448,885.30 or 109 months which exceeds guideline of 6 months.

0347742930

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

A cure has been provided in the amount of XXX; however, a tolerance remains in the amount of XXX for the recording fees. Please provide a COC for the increase in fees or a copy of a refund check in the amount of XXX.

7.20.18 - Client responded. Agree. Recording fees increased from XXX to XXX for an over tolerance amount of XXX. A cure in the amount of XXX was provided at closing and is part of the Lender Credit in section XXX; however, this is insufficient and the borrower would be due an additional refund in the amount of XXX to cure the ten percent over tolerance. Consumers were sent a corrected CD and correspondence advising loan principal was reduced XXX on XXX. Copy of correspondence and corrected CD is attached. 7.20.18 - XXX has reviewed clients response and letter to borrower as well as Post Close CD provided to reflect principal balance credit or XXX to meet required tolerance cure.

7.20.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 60.01 months reserves. 12 months reserves required for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX. Minimum credit score for this program is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX. Max DTI for this program is XXX.

0348213768

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  All accts. paid as agreed CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years current job time CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX days as reported on credit

0349389618

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX, Min XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 48.61 months reserves.12 months required.

0349765467

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $214,892.47 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement XXX

0350933991

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 45 months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX by   XXX points.

0351041115

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $188,539.50 or 52.60 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0351358753

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below maximum per guidelines of XXX%.

0353621792

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO of XXX is XXX points greater than the required FICO of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is over XXX point less than maximum DTI at XXX%.

0356004782

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job for XX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job for XXX years

0356621124

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Open tradelines requirement is XXX; Borrower has XXX open tradelines.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $119,985.51 or 53.48 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0356876357

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has stable employment history - XXX years within his industry. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit with Fico score of XXX.

0358089147

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0358227464

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $134,573.56 or 23.09 months PITIA, guidelines required 9 months PITIA.

0359019937

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0359455693

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Missing written list of service providers

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked XXX years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of XXX exceeded the guideline requirement of XXX by XXX points.

0359603213

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement of XXX%.  Borrowers has DTI of XXX%

0361100646

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender exception: Borrower is involved in lawsuit due to a car accident, lender provided attorney letter stating lawsuit settled. Compensating factors: B1 employed over XXX years, CB employed over XXX years, good credit profile

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 55.97 PITI months reserves

0362129802

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $115,918.83.  Reserves required of $39,958.56 (12 x $3,329.88).  $71,379.87 remaining reserves after funds to close.

0363307697

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $ 117,480.12 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI below guideline requirement.

0364125587

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

B

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Per UW decision summary in file the lender approved an exception to guidelines for "multiple financed properties" is more than XXX(total is XXX. With DTI less than XXX, excellent mortgage history for past XXX years, mid fico XXX, willingness to repay and reserves exception is non material

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $201,121.26.  Reserves required of $54,244.32(12 x $4,520.36).  $762,958.02  remaining reserves after funds to close. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for XXX years.

0364125587

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $201,121.26.  Reserves required of $54,244.32(12 x $4,520.36).  $762,958.02  remaining reserves after funds to close. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for XXX years.

0364196738

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Median income score for borrowers is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing reserves of $336,519.81.

0364678382

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0365564518

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at same property for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are  $157,863.12, or over 35 months PITI.

0367424726

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $XXX and  Field: Clayton Calculation, Value listed as $XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been on her job for XXX year, longevity and stability shown CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is below guides at XXX shows good remaining income ability to repay

0367424726

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -XXX. Should be disclosed as a Positive number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been on her job for XXX year, longevity and stability shown CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is below guides at XXX shows good remaining income ability to repay

0367424726

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Copy of VOE in file is dated XXX; Note is dated XXX which is more than XXX days (XXX days excluding XXX)

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been on her job for XXX year, longevity and stability shown CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is below guides at XXX shows good remaining income ability to repay

0367470668

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX - Calculating Cash to Close,  Closing Costs Financed - Final, Value: -XXX CD: XXX - Calculating Cash to Close, Review Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $536,033.36 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0367470668

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4340

TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

CD: XXX [Last CD],  Calculating Cash to Close,  Closing Costs Financed - Final, Value: -XXX Value should not be a negative number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $536,033.36 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0367470668

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE],  Calculating Cash To Close,  Estimated Closing Costs Financed (Paid from your Loan Amount), Value: negative XXX. Value for Closing Costs should be expressed as a positive number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $536,033.36 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0368149995

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD: XXX,  Summaries of Transactions, Adjustments and Other Credits Calculation is listed as ($XXX) and Calculating Cash to Close, Adjustments and Other Credits – Final is listed at $XXX. Difference is Section L Line XXX Credit for POCS was calculated into the seller credit under the Calculating Cash to Close table and should be included in the Adjustments and Credits portion as its listed under Section L Other Credits.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. Below CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $75,721.52 or 17.94 months PITIA, guidelines required 9 months PITIA.

0368149995

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4295

TRID - CD: The Seller Credit stated in the CD Calculating Cash to Close section does not match the Seller Credit stated in the CD Summaries of Transactions section

No

CD: XXX,  Calculating Cash to Close, Seller Credits – Final is listed at -$XXX and Summaries of Transactions, Seller Credit, Value is listed at $XXX. Section L Line XXX Credit for POCS was calculated into the Seller Credit for Calculating Cash to Close table and should have been included in Adjustments and Credits as it is listed under Other Credits Section L.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. Below CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $75,721.52 or 17.94 months PITIA, guidelines required 9 months PITIA.

0368346743

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $82037.08. Reserves required are $75807.12. XXX account was not included due to partial liquidation into XXX account. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a FICO score of XXX.

0368633683

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $0.  Reserves required of $38,752.32 (12 x $3,229.36).  $75,663.38 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0370184520

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum per guidelines of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Co-borrower and primary wage earner has been XXX employed in current company for XXX years.

0370237469

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed XXX years with XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 75,832 in reserves, borrower needs 12 mo PITI or $43,381.80 in reserves

0371040414

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4241

TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts

No

CD XXX: Calculation Cash to Close; Section cash to close LE total of $XXX does not match Clayton calculation total of $XXX. cd XXX: Calculation Cash to Close; Section  cash to close LE total of $XXX does not match Clayton calculation total of $XXX. Adjustments and Other Credits were entered in as a positive number and should be negative.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum XXX% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0372382648

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4238

TRID - CD: The CD Calculating Cash to Close CD column total does not equal its component parts

No

CD XXX: Section Calculation Cash to Close Cash to Close total Value XXX does not match the total system calculation of $ XXX. The difference is $XXX. This is due to the Deposit being shown as a positive number and should be negative.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid Fico is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0372382648

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4254

TRID - CD: The Deposit value in the Final column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number

No

CD XXX: Section calculation cash to close field  Deposit for $XXX was entered as a positive number. Exception satisfied and corrected on subsequent CD XXX.Exception Satisfied.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid Fico is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0372382648

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

Final CD: XXX [Last CD], Section: Loan Disclosures, Field: Demand Feature, Value was not checked. Exception corrected in subsequent CD XXX. Exception satisfied.

(No Data)

Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid Fico is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0372382648

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has only XXX open/rated trade lines; guideline requires XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid Fico is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0373185964

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $107,354.49 or 34.54 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0373277495

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

C

B

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 document to validate payment for new HELOC.

9.24.18 - Client responded. XXX Account Agreement and Disclosure Statement attached to confirm/validate terms and payment calculation for HELOC. The qualified amortized payment was $XXX for the $XXX HELOC. 9.24.18 - Clayton has reviewed clients response and documents to support the HELOC payment provided.

9.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Approved DTI of XXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX%.

0373277495

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

C

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX Calculating Cash to Close, Closing Costs Financed is listed as $XXX and Calculating Cash to Close, Per review equals $XXX. Difference of $XXX is POC charges.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Approved DTI of XXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX%.

0373277495

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

C

B

A

A

D

B

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender exception for cash reserves due to liquid reserves not enough after covering XXX balance. Compensating factors are low LTV & DTI.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Approved DTI of XXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX%.

0373277495

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

B

A

A

D

B

D

B

C

B

A

A

D

B

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Settlement Statement provided to reflect HELOC of $XXX but nothing in file to confirm actual HELOC payment.

9.24.18 - Client responded. XXX Account Agreement and Disclosure Statement attached to confirm/validate terms and payment calculation for HELOC. The qualified amortized payment was $XXX for the $XXX HELOC. 9.24.18 - Clayton has reviewed clients response and documents to support the HELOC payment provided.

9.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Approved DTI of XXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX%.

0374880185

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0375818181

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV is XXX%.  Actual  LTV is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post-closing assets in the amount of $131506.61, which is 22.94 months of PITI.

0376770360

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $162,455.70 or 24.25 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0379152962

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX, XXX% allowed CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX, LTV allowed XXX%

0380979771

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP2129

MD Counseling Notice not in file

No

Missing State Specific:  XXX Counseling Notice

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for XXX years XXX month stable employment history CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX% which is below guideline requirement of XXX%

0382131248

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

C

B

C

B

CMPTRID3708

TRID - Curable Issue #2 related to the Closing Disclosure in file

No

Final CD XXX and Post CD XXX. Calculating Cash to Close Section Adjustments and Other Credit Field. No reason was provided as to why did this change

9.19.18 - Client responded.  Agree the explanation for the change in Adjustments and Other Credits was missing.  However, this defect is considered a non-numerical clerical error by XXX Compliance Testing team. Non-numerical clerical errors are not considered significant or material defects and are not required to be remediated. 9.19.18 - Clayton has reviewed clients response and agrees this is a Non-numerical error and non material.

9.19.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $479,279 in reserves, borrower only needs $34,712.52 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Loan closed at XXX LTV, XXX% LTV allowed

0382809856

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID5019

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD's Dated XXX and XXX both reflect Home Warranty fees in the Other Costs -  Section (H).  The "Optional" designation was not included.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.

0382809856

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.2.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.13.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.13.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.

0383092811

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0383510630

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $119,167.48.  Reserves required of $43,421.40(12 x $3,618.45).  $95,780.50 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0384539096

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines for 12 months.  Borrower has 41 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX.  Borrower has XXX score

0384899216

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $406,982.59.  Final CD reflects required funds to close, $112,919.25.  Evidence the $18,000.00 earnest money deposit reflected on Final CD was not located in file. Deducted from available assets to determine post close reserves. Guidelines require reserves or $51,384.15.  Post close reserves $224,679.19. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.

0385232470

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX.

0385232470

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4284

TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: - Seller Credits, Value: -XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Seller Credits - Loan Estimate, Value: XXX. Values in Calculating Cash to Close LE Column for Seller credit do not match from CD to Final LE.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX.

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4240

TRID - CD: The CD Calculating Cash to Close LE column (Alternative Version) total does not equal its component parts

No

Data input is correct per CD XXX. "Total Closing Costs (J)" and "Total Payoffs and Payments (K)" are shown as positive numbers. If they were negative numbers, then the "Cash to Close" would be correct.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4262

TRID - CD: The Total Closing Costs (J) value in the  LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number

No

Data input is correct per CD XXX. "Total Closing Costs (J)" and "Total Payoffs and Payments (K)" are shown as positive numbers. If they were negative numbers, then the "Cash to Close" would be correct.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different ($XXX) from the value disclosed on the last LE ($XXX).

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4312

TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different ($XXX) from the value disclosed on the last LE ($XXX).

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Per CD XXX and CD XXX, the stated Closing Costs Financed (Paid from Your Loan Amount) includes the amount paid before closing ($XXX).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Other Costs Section Not properly formatted CD XXX, XXX, XXX & XXX. Section E Taxes and Other Government Fees Line XXX Recording Fees is $XXX Breakdown only shows Mortgage $XXX. Section F Prepaids Line 04 Property Taxes has (XXX) instead of the dollar amount for monthly taxes.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4376

TRID - CD: The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number

No

CD XXX: The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number. ($XXX)

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0386496006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

Data input is correct per LE XXX and CD XXX. This is corrected on the Post close CD dated XXX.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 14.66 months

0388419822

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

Right of Rescission

Active

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Right of Rescission: Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. Regulation Z designates the H9 rescission form as the form designed for same-lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a ‘substantially similar notice.’ Clayton’s view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the ‘substantially similar notice’ argument.  The majority of XXX Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; however, since the XXX Circuit decided that the H-8 is not appropriate notice, Clayton grades the use of an H8 form in a same-lender refinance in XXX states as material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years job XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX Rep score exceeds guideline minimum requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $134,277.44 or 37.7 months (12 months required).

0388419822

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Application

Active

B

B

B

B

CRDAPP2418

Ownership history inaccurate / incomplete

No

Lender approved an exception where the  borrower not obligated on existing loan being refinanced offsets Long term Employment with current employer greater than XXX years LTV XXX% vs max LTV XXX% Minimal credit user. Non Material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years job XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX Rep score exceeds guideline minimum requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $134,277.44 or 37.7 months (12 months required).

0388567827

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrower are XXX with stable employment history. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit with XXX delinquencies.

0389824040

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is below maximum allowed per guidelines of XXX%.

0390729866

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $135,300.33.  Reserves required of $41,913.72 (12 x $3,492.81).  $581,3333.38 remaining reserves after funds to close.

0390825297

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3604

TRID - Error discovered on Closing Disclosure

No

Last CD Issued XXX. Seller Address for the Additional Seller is missing on the CD Addendum. Corrected on PC CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $133,008.15.  Reserves required of $41,737.32(12 x $3,478.11).  $148,444.83  remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0390825297

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized. Corrected on XXX CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $133,008.15.  Reserves required of $41,737.32(12 x $3,478.11).  $148,444.83  remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0392953550

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified more assets then request.  Large reserves CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX year in the XXXXXXX.

0393295272

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0393500259

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit scoreXXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $333,387.55.  Final CD reflects required funds to close, $179,313.36.  Guidelines require reserves of $45,696.60.  Post close reserves $108,377.59.

0393553348

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Homeowners counseling organizations list not in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post Cash Reserves in the amount of $653,468.75; Subject PITI is $5,759.58; REO PITI is $2,293.00; 81.15 months PITI in reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX years.

0393553348

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers was not provided

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post Cash Reserves in the amount of $653,468.75; Subject PITI is $5,759.58; REO PITI is $2,293.00; 81.15 months PITI in reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX years.

0394032852

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $91,911.17 which is 25.63 months of PITI. Only requires 12 months [$3586.74x 3= $43,040.88]. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0394744907

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $188,995.00 in reserves. Borrower needs $56,087.40 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score was XXX, Min score allowed XXX.

0397861607

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $255,171.44 or 64.07 months which exceeds the minimum required guideline of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers current primary is pending sale. Credit report shows XXX months reviewed with zero lates.

0398169158

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0399366941

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP2129

MD Counseling Notice not in file

No

Files is missing XXX Counseling Notice from file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX; minimum credit score is XXX.

0399878188

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0401045811

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Lender exception for XXX credit score below XXX score requirement. Comp factors:  With current employer, XXX for XXX years; strong residual income.  Borrower has demonstrated ability to save.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX year employment stability CFCFS2854: Significant time in profession - Clayton Comments:  XXX year time in profession

0401462979

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0401877363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO of XXX is XXX points greater than the minimum required FICO of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is over XXX points below the maximum DTI at XXX%.

0401979293

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0401981444

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure was not provided in the supporting documents in the file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 48,178.08 in reserves, borrower has $91,471.97 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV allowed XXX%, loan closed at XXX%

0401981444

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Initial CD XXX, other Costs Section E missing recording amount fee. Subsequent Final CD XXX corrected error.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 48,178.08 in reserves, borrower has $91,471.97 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV allowed XXX%, loan closed at XXX%

0401981444

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

9.11.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.11.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 48,178.08 in reserves, borrower has $91,471.97 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV allowed XXX%, loan closed at XXX%

0402060669

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in prior residence for XXX yrs.

0402117255

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Expiration date on ROR is XXX, disbursement date on CD is XXX which is before end of statutory rescission period. Requires PCCD, LOX, proof of delivery and New XXX to all entitled to rescind to  re-open rescission.

7.24.18 - Client responded. Agree  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX. sent to the consumers is required to cure defect.  Remediation in process XXX. 7.24.18 - Exception remains. 8.1.18 - Client responded.  Attached is the updated closing disclosure that was sent to the borrower. 8.1.18 - Clayton has reviewed clients response and XXX provided to correct error.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum XXX% guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below maximum XXX% guideline

0402213148

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Per UW Decision Summary Form the lender approved an exception to guidelines for XXX requirements: Investor Concentration XXX%; One entity owning more than XXX% (XXX%) and Post closing Reserves less than XXX months shortage. With strong equity (from pending sale of primary XXX resulting in lowered DTI approx.XXX%); excellent credit history and low revolving debt this is non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX credit score exceeds XXX minimum score requirement

0409169662

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0410756764

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $1,239,256.29 which is 311.78 months of PITI. Only requires 12 months [$3974.72 x 12= $47,696.64]. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0412797289

XXXXXX

NM

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

Lender approved DTI XXX%. Clayton calculated income B1 $XXX. Subject PITI $XXX + Non Subject $XXX + Other $XXX = $XXX/XXX = XXX% DTI. Over XXX% DTI.

9.7.18 - Client responded. DTI less than XX% and QM. Using Clayton's calculated income of $XXX DTI = XXX%. Subject PITI $XXX + Non-Subject $XXX + Other $XXX = $XXX/XXX = XXX% DTI. Taxes and insurance for non-subject property escrowed (PITI $XXX), see attached. 9.7.18 - Clayton has reviewed clients response and provided document confirms non subject PITI of $XXX and DTI now XXX%.

9.7.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as a XXX for XXX years. CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower has high potential for increased earnings per verification of employment his  annual income will be increasing from $XXX to $XXX plus quarterly bonuses.

0413937573

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 88.37 month PITI reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession for XXX yrs.

0414546299

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum XXX% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0415330987

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.20.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

0415508042

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 additional asset documentation for XXX retirement income.

8.17.18 - Client responded. Asset documentation for XXX retirement income was sufficient. Monthly distributions (account withdrawals) are $XXX. See XXX  statement(s) to reflect $XXX monthly withdrawals and a vested balance of $XXX as of XXX. * XXX Retirement is the service provider.    8.17.18 - Clayton has reviewed clients response and XXX Statement provided verifies amount withdrawn and assets to cover minimum XXX years.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence for XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%

0415508042

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence for XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%

0415508042

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -XXX,this is disclose as a negative amount, should be positive.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence for XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%

0415508042

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

1. Income sources that may have a finite period of receipt such as the income types listed below must have a continuation period of at least five years. The continuance requirement may be reduced to three years if this income source contributes XXX% or less of the qualifying . (XXX/XXX).  Borrower has XXX months of income in XXX account and it accounts for XXX% of current income. Additional XXX months of  assets need to qualify monthly amount $XXX. 2. XXX Retirement- no balance or award letter provided to document continuation of XXX years.

8.17.18 - Client responded. Asset documentation for monthly pension benefit in the amount of $XXX was sufficient per lender guidelines. No additional assets were required. Recent pension statement XXX and XXX 1099's attached. 8.17.18 - Clayton has reviewed clients response and pension statements provided support income used.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence for XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%

0415869528

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

0416231570

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing from loan file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is less than maximum allowed per guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years and XXX has been in current profession for XXX years.

0416231570

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD dated XXX- Loan Costs- Section B- Survey Fee is missing the payee name. (Listed as XXX). Corrected on Last CD dated XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is less than maximum allowed per guidelines of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years and XXX has been in current profession for XXX years.

0416516823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX Closing costs financed (Paid from your loan amount) $XXX does not match Clayton calculation of $XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the subject residence for over XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Subject transaction LTV XXX%

0416516823

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.5.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the subject residence for over XXX years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Subject transaction LTV XXX%

0418693037

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has over XXX years on current job CFCFS2860: Good credit history - Clayton Comments:  No lates indicated on credit report CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Excellent mortgage history XXX months

0419567338

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $43,162.87 or 10.32 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower in same profession XXX years

0421643466

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $93,880.96.  Reserves required of $40,040.10 per feedback certification. $135,707.42  remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0421825371

XXXXXX

OH

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Lender exception for Credit score XXX below minimum XXX score requirement. Compensating factors include limited revolving debt, Low DTI of XXX% and reserves almost XXX times what is required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX year employment stability

0421851165

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

Federal Consumer Protection

Satisfied

C

A

C

A

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

Originator name on Note is XXX; Name on NMLS is XXX (XXX) XXX. No other variations were shown.

7.23.18 - Client responded. The online NMLS Database (XXX) for NMLS ID XXX confirms XXX uses the additional name XXX (XXX) XXX. NMLS document attached. 7.23.18 - Clayton has reviewed clients response and document provided reflects originator alias as XXX.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV Of XXX% is below guideline maximum of XXX%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of XXX.

0421853503

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX exceeds guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $282,918.43.  Final CD reflects required funds to close, $182,783.76.  Guidelines require reserves or $43,185.15. Post close reserves $56,949.52. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have XXX years same line of work.

0422177136

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  XXX months XXX CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years on job

0423671663

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $453.369.23 or 121 months which exceeds guideline requirement of 12 months.

0423882935

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Closing Disclosure issued XXX: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX & Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. CD does not reflect an amount for Closing Costs Financed (Paid from your loan amount).

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX%

0423882935

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4354

TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form

No

Closing Disclosure issued XXX:  Other Disclosures Section for Field: Loan Acceptance, Value: No & Field: Is the Confirm Receipt section present?, Value: No.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX%

0424472077

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $43,066.50 or 13 months PITI reserves, which is more than required reserves of  $28,888.74. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has  significant time in profession of XXXXXXX for XXX years.

0425033792

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  both borrower credit score of XXX and XXX exceed the max XXX for program CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been XXX employed for over XXX years in the same business.

0425146942

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0425736098

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

A

C

B

C

B

A

A

B

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

CD’s reflect Tax Service fee of $XXX moved from Section C fees to Section A fees and no XXX provided. Requires corrected XXX, Copy of refund check, LOX and verification of shipping.

7.25.18 - Client responded. Disagree. Notification Start Date is XXX. Loans with Notification Start Date prior to XXX will disclose the Tax Service fee in Section C of the CD. This was corrected after the XX/XX/XXXX release. The Tax Service fee is held to XXX% regardless if the borrower shopped for the service or not; therefore, the fee did not increase.  This is not a testing defect so no corrective action is required. 7.25.18 - Clayton has reviewed clients response and per the Clayton Compliance department since the fee itself never increased and was only moved from section C to A and client has provided information to a system related issue at that time this is considered non-material based on the explanation.

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%.

0425736098

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

A

C

B

C

B

A

A

B

A

C

B

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

XXX Public XXX Storm, Flooding, Landslides, and Mudslides XXX Storm, Flooding, Landslides, and Mudslides XXX missing subsequent inspection.

7.23.18 -  Property Inspection received and reflects no property damage.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%.

0427201011

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX  with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has significant time in profession as XXX for XXX years.

0427294717

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $630,622.74 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0427743697

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX CD: XXX, Calculating Cash to Close, Clayton Calculation, Value: XXX Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post- closing assets in the amount of $155,705.23, which is 29.78 months of PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DIT per guidelines is XXX%.  Actual DTI is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is XXX.  Qualifying credit score is XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV per guidelines is XXX%.  Actual LTV is XXX%.

0427743697

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Cash out of $XXX exceeds maximum allowed. Client Exception for cash out of (payoff installment loan of $XXX with $XXX actual cash in hand). Comp factors:  High residual income; substantial down payment from borrowers own funds and long term employment.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post- closing assets in the amount of $155,705.23, which is 29.78 months of PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DIT per guidelines is XXX%.  Actual DTI is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is XXX.  Qualifying credit score is XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV per guidelines is XXX%.  Actual LTV is XXX%.

0427841557

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Lender Exception for short XXX allowing XXX months $XXX. Compensating Factors: Excellent credit history, banking relationship with XXX, both borrowers have stable employment with strong residual income. Borrowers putting down additional XXX%, bank statement demonstrate the borrowers have a savings history with monthly deposits, conservative revolving credit users. Non Material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower job XXX of XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has XXX years job XXX.

0431123640

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

APR Tolerance

Satisfied

B

A

B

A

CMPAPRT110

APR - Insufficient Information for APR-Payment Stream Testing

No

No CD provided in file. Additional Conditions may apply.

8.10.18 - Client responded. Initial and final CD provided. 8.10.18 - Clayton has reviewed clients response and both CD's provided as required.

8.10.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower XXX has XXX years same line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

0431123640

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3496

TRID - Closing Disclosure Missing

No

File only contains copy of seller CD; missing copies of all CD's (borrower)- additional conditions may apply upon receipt

8.8.18 - Client responded. CD attached. 8.8.18 - Clayton has reviewed clients response and CD provided is a final CD dated XXX with Closing date of XXX and Disbursement date of XXX. Disclosure Data Master sheet reflects an Initial CD dated XXX was emailed to client. We need the initial CD as XXX. Final CD provided not input at this time as that would fire additional exception for consummation issues. 8.8.18 - Exception remains. 8.10.18 - Client responded. Initial CD provided. 8.10.18 - Clayton has reviewed clients response and initial as well as final CD provided.

8.10.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower XXX has XXX years same line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

0431564958

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

ATR/QM status pending:  Per email from B1 dated XXX, borrower states $XXX large deposit made on XXX into XXX#XXX was from an XXX distribution. Returns provided do not reflect any distributions for that amount.  Document a copy of the $XXX check and provide a copy of K1's for both XXX and XXX showing borrowers vested interest in business. If more than XXX% ownership, provide a copy of business returns.

8.8.18 - Client responded. Per subsequent email from borrower dated XXX, the $XXX deposit was given after the sale of their prior residence. Property was purchased by borrower's XXX and they wanted to record a lower sell price for tax reasons; gifts were made to make up the difference in the recorded sell price and agreed upon sell price.   Two checks were given from XXX (borrower's XXX) for $XXX and $XXX dated XXX. XXX and XXX K-1s were provided for XXX reflecting borrower's ownership interest <XXX%.  See attached email, copies of checks, settlement statement from prior residence, and XXX and XXX K-1s. 8.8.18 - Clayton has reviewed clients response and provided documentation supports funds of $XXX and distribution of those funds.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower employed XXX plus years with current employer. CFCFS2860: Good credit history - Clayton Comments:  Credit history both mortgage and consumer debt satisfactory w/no lates

0431564958

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Per email from B1 dated XXX, borrower states $XXX large deposit made on XXX into XXX #XXX was from an XXX distribution. Returns provided do not reflect any distributions for that amount.  Document a copy of the $XXX check and provide a copy of K1's for both XXX and XXX showing borrowers vested interest in business. If more than XXX% ownership, provide a copy of business returns.

8.8.18 - Client responded. Per subsequent email from borrower dated XXX, the $XXX deposit was given after the sale of their prior residence. Property was purchased by borrower's XXX and they wanted to record a lower sell price for tax reasons; gifts were made to make up the difference in the recorded sell price and agreed upon sell price.   Two checks were given from XXX (borrower's XXX) for $XXX and $XXX dated 12/19/2017.  2015 and 2016 K-1s were provided for XXX reflecting borrower's ownership interest < XXX%.  See attached email, copies of checks, settlement statement from prior residence, and XXXX and XXX K-1s. 8.8.18 - Clayton has reviewed clients response and provided documentation supports funds of $XXX and distribution of those funds.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower employed XXX plus years with current employer. CFCFS2860: Good credit history - Clayton Comments:  Credit history both mortgage and consumer debt satisfactory w/no lates

0431807538

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD: XXX [Last CD] and CD: XXX, Section: Other Fees, Optional Designation is Required but is missing.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $371,004.17 verified cash reserves exceed guidelines.

0431965661

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Verbal verification in file for co-borrower is not within XXX days of Note date per guidelines requirement.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been on XXX job for the XXX years, stable established work history CFCFS2860: Good credit history - Clayton Comments:  Borrower has strong establish credit history , credit is not over used

0432139645

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min is XXX CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. review on credit with XXX days. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  minimum required = 12 mos. PITIA. Verified post close reserves of 85.18 mos.

0433868528

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $1,342,627.34, after closing cost assets are $677,988.30 [128.07 months PITI]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence.

0434059460

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD: XXX [Last CD], Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the Home Warranty paid by the borrower is not designated as Optional.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $246,484.52 or 41 months which exceeds minimum required per guidelines of 12 months.

0434059460

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted?, Value: No. Section B. Employment Verification Fee is missing the Payee, says XXX. Corrected on CD Issued XXX. Exception Satisfied

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $246,484.52 or 41 months which exceeds minimum required per guidelines of 12 months.

0434878811

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

9.20.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrowers have $XXX in reserves, borrowers need $XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV allowed is XXX%, loan closed at XXX%

0436451677

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; Max XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid Fico is XXX

0436566600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

All CDs : Section Other Cost; E. Taxes and other Government Fees-Natural Hazard Fee of $XXX should be in section H.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession XXX for XXX years.

0436566600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Income/Employment

Active

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 within XXX days of Note date.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession XXX for XXX years.

0437178654

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD disbursement date XXX. ROR hand written date of receipt XXX and recession date midnight of XXX.

8.24.18 - Client responded. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is  XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation in progress XXX. 8.24.18 - Exception remains. 9.6.18 - Client responded. Providing copy of updated CD that was sent to the customer. 9.6.18 - Clayton has reviewed and PCCD and reflects Disbursement Date of XXX satisfying exception.

9.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for the past XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 49 months  in reserves which exceed guidelines requirements.

0437178654

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Lender exception for Conventional Non Conforming/Rate and Term/Owner Occupied/XXX LTV/XXX CLTV/Interest Rate XXX/Product is a Fully Amortized XXX year XXX No Program/Total XXX Aggregate: $XXX. Exception made for borrower with No Homeownership Mortgage Experience. Primary Residence for Disabled XXX/XXX, no current housing history.  Compensating Factors: Exceeds minimum requirements,XX  times liquid reserves, transitional from ARM to Fixed Rate. Lender exception for Rate/Term Refi when Borrower is not obligated on existing loan being refinanced.  The Property in the name of the borrower and his XXX. Borrower was added to Title on XXX. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for the past XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over 49 months  in reserves which exceed guidelines requirements.

0437556392

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

The loan file is missing documents (verification of XXX) to complete the ATR/QM review and render an accurate ATR/QM status.

8.14.18 - Client responded. Verification of XXX attached (XXX documents). 8.14.18 - Clayton has reviewed clients response and verification of XXX provided as required.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is over XXX points less than maximum DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of 18 months exceeds minimum requirement of 9 months per the lender's AUS findings.

0437556392

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2488

Verbal verification of employment missing

No

Under borrower correspondence we have verification that XXX is no longer in existence. But, the loan file is missing third-party verification of XXX employment (XXX) for B1 and B2

8.14.18 - Client responded. Verification of XXX attached (2 documents). 8.14.18 - Clayton has reviewed clients response and verification of XXX provided as required.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is over XXX points less than maximum DTI of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of 18 months exceeds minimum requirement of 9 months per the lender's AUS findings.

0439289410

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

B

B

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  max is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min per guides is XXX CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. mtg. history reported  on credit report w/ XXX days.

0439289410

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

B

B

D

A

B

B

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Required reserves per guides = X.XX mos. PITIA. Verified X.XX mos.  Currently short X.XX+AG783 mos. post close reserves.

7.17.18 - Client responded. "LVAM approved exception - Post close liquidity requirement. Exception approved under the PCO delegated authority. Calculated reserves $XXXXX / PITIA $XXXXX - verified X.XX mos, currently short X.XX mos post close reserves.   7.17.18 - Clayton has reviewed clients response and agrees non-material.

7.17.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  max is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min per guides is XXX CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. mtg. history reported  on credit report w/ XXX days.

0439289410

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

B

B

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value of XXX

7.18.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.18.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  max is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min per guides is XXX CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. mtg. history reported  on credit report w/ XXX days.

0439383560

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0440659073

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0441420471

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0442157521

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

0444424271

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0445057912

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0448992775

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  The actual DTI at XXX% is over XXX points lower than the max DTI allowed at XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of 27 months exceed minimum reserve requirement of 9 months.

0449513179

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD: XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is $XXX and  Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Values does not match. Includes the Payoff of Mortgage to XXX of $XXX which should be listed under Adjustments line 5.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment in industry. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at XXX significantly lower than max LTV

0449981518

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement

0450081479

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $182,834.77 or 36.02 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0450092822

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0451343428

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Lender exception for no VOR/VOM. Compensating factors include low LTV, high qualifying credit score, reserves twice what is required and low usage of credit lines.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score XXX.

0452384845

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1739: Postive mortgage payment history - Clayton Comments:  Current open mortgage payment history is for XXX months when XXX months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $110,079.21 in post-closing reserves, which is $73,451.26 more than the guideline required amount of $36,627.95, or 36 months in reserves

0454206648

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0455502093

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $397,268.28 verified cash reserves exceed guidelines.

0456693756

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Per XXX Feedback Certificate: Non XXX Citizen Visa Type: Non-perm Resident Alien, ineligible for Renovation loan. Non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.

0456693756

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Completion certificate has incorrect date for the original appraisal. The Original appraisal was XXX.  Appraisal Update/Completion Report shows XXX.

7.20.18 - Client responded. See attached Notice of Completion with the corrected Original appraisal XXX.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.

0456693756

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

No inspection since the XXX Disaster- Severe Winter Storm and Snowstorm Severe Winter Storm and Snowstorm XXX

7.30.18 - Property Inspection received and indicates no damage.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.

0457615209

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $756,483.21.  Final CD reflects required funds to close, $237,838.14. Evidence the $15,000.00 earnest money deposit reflected on Final CD was not located in file.  Deducted from available assets to determine post close reserves. Guidelines require reserves of $32,312.25.  Post close reserves $471,332.82. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX% below program requirement of XXX%.

0460117539

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR expiration date XXX, CD disbursement date XXX the expiration date on the CD cannot be the same date as the ROR expiration date. Please provide a post close CD with a disbursement date of XXX.

8.6.18 - Client response. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation request sent to XXX. 8.6.18 - Exception remains. 8.20.18 - Client responded. Providing remediation document - copy of updated CD sent to borrower. 8.20.28 - Clayton has reviewed clients response and corrected CD provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXX with XXX late CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 178.79 month PITI cash reserves $620,579.73 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0460117539

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXX with XXX late CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 178.79 month PITI cash reserves $620,579.73 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0460117539

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Per Underwriting Decision Summary: Lender exception: XXX months tracking and only used XXX month from retirement savings. Exception approved  borrower has long time with employer and increased earning  and not using all income to qualify.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXX with XXX late CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 178.79 month PITI cash reserves $620,579.73 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0461098046

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 100 months of reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX.  Current score XXX

0461254795

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked at his present job XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post closing reserves of $1,540,609.15.

0463023182

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% CFCFS2860: Good credit history - Clayton Comments:  Good rental and credit history CFCFS2854: Significant time in profession - Clayton Comments:  XXX years current profession

0467711331

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0468476932

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation closing costs XXX - XXX (POC) = XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Credit report confirms no late payments in the last XXX months. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  XXXXXXX has significant W2 income that was not used for qualifying.

0468740749

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Co- borrower has significant time in profession as XXX for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been at current job for the past XXX years and XXX  months.

0469435394

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower also gets XXX income that we are not using for qualifying but only for compensating factor. CFCFS2860: Good credit history - Clayton Comments:  borrower has exceptional credit payment history

0469753741

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0471780946

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0472559526

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX months employment stability CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum XXX% guideline

0473340582

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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 fee increased at or prior to closing without a valid reason or not timely disclosed; refund of $XXX required within XXX days of consummation. Not found on COC spreadsheet. Loan number not found on COC spreadsheet.

7.20.18 - Client responded. Disagree. The $XXX category did not identify specific fees that caused the over tolerance.  Title fees previously listed on the Loan Estimate in the unlimited category moved to the ten percent category on Borrower Closing Disclosure and Final Closing Disclosure, reducing the previously disclosed title fees on the Loan Estimate from an accumulative total of $XXX to $XXX.  In addition, new Title fees were added for an accumulative total of $XXX.  Combined with the increase of recording fees from $XXX to $XXX, an increase of $XXX, the ten percent category decreased from $XXX to $XXX for a variance reduction of $XXX.  Ten percent threshold passes XXX% tolerance test. 7.20.18 - Clayton has reviewed clients response and adjusted data input with the clarification. Passes XXX% tolerance test.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX.  Min XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves $208,500.73; 31.05 months PITI. Guidelines require12 months.

0476259843

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Primary borrower has two active trade lines. Minimum guideline is 3.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is below guideline maximum of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $258,796.14 or 38.70 months which exceed guideline of 6 months.

0477198331

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $265,460.15 or 55.62 months which exceeds minimum required per guidelines of 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0478477156

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX employed in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

0479293542

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0479929855

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

0480148531

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0480783967

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

XXX% tolerance of $XXX due to increase in recording fees.  Missing COC or evidence of refund to the borrower.

8.1.18 - Client responded. Disagree. The initial LE disclosed XXX (XXX) disclosed the XXX% baseline as $XXX, and the XXX% fees decreased to $XXX on CD’s (XXX) and (XXX). The LE issued XXX (XXX) was used to compare to the final CD issued XXX (XXX), and all fee categories are within tolerance. The Title-Related fees were referred, and did not exceed the XXX% baseline. This is not a testing defect so no corrective action is required. 8.1.18 - Clayton has reviewed clients response and validated that Transfer Tax that was causing the XXX% tolerance issue was a seller fee and not a borrower fee paid by seller therefore would not be included in the XXX%.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post cash reserves in the amount of $60,200.06. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX

0481090220

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with company for  almost XXX years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with zero lates.

0483402683

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 175,666.77 in reserves, borrower only needed 2 mo piti for reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed is XXX, loan closed at XXX

0484783192

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section F. Property Taxes is missing the Payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX%

0485650397

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.11.18 - A Desk Review was received with a reported value of $XXX0 which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.26.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds guideline minimum of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in current profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $125,500.90 or 38.72 months which exceeds minimum required per guidelines of 6 months.

0486142676

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Property Valuations

Property

Active

C

B

C

B

PRVAPROP241

Property Type unacceptable under guidelines

No

1. XXX, Mortgagee responsible for > XXX months HOA dues in even of FCL or DIL. 2. Unacceptable Property Type Compensating Factors: Low risk exception; XXX recommendation was approve and lender NOT responsible for > XXX mos HOA for FCL, only for DIL; project meets all other policy requirements, XXX% LTV, units sell quickly, DIL unlikely.

8.8.18 - Client responded. LVAM approved exception; XXX - Mortgagee responsible for > XXX mos HOA dues in event of foreclosure or deed in lieu. Exception approved under the XXX delegated authority. 8.8.18 - Clayton has reviewed clients response. This was a lender exception within the file review and based on compensating factors of stable value, demand supply in balance, solid adjustments and under XXX months marketing time this is non-material.

8.8.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum per guidelines of XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below maximum guideline threshold of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing cash reserves of $405,437.08.

0486498384

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE's dated XXX and XXX NMLS and Contact Information- State Indication is missing from the Lender's and Loan Officer's License ID. Satisfied on the initial CD dated XXX.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0487734677

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing Mortgage.

7.23.18 - Client responded. Mortgage provided. 7.23.18 - Clayton has reviewed clients response and correct mortgage provided and entered.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $52,829.44 verified cash reserves exceed guidelines.

0488204299

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, is listed as $XXX and review calculated Calculating Cash to Close, Clayton Calculation, equals $XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Calculated reserve of $726,528.00 or  120.22 months reserves (12 months required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has job XXX of XXX years.

0488204299

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), is disclosed as a negative number -XXX.  CD issued XXX corrects this error. Exception satisfied.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Calculated reserve of $726,528.00 or  120.22 months reserves (12 months required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has job XXX of XXX years.

0488245550

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Guidelines require Verbal Verification of Employment within XXX days of closing. Borrower and Co Borrower VVOE's dated XXX; Closing date is XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $117,903.54 or 25.82 months PITIA, guidelines required 9 months PITIA. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0490851909

XXXXXX

DE

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  borrower has stable employment with XXX years on job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has XXX years on current job. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history with representative score of XXX.

0491830060

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has verified cash reserves of $140,673.43 or 32.13 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below guideline requirement of XXX3%.

0491876266

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 Homeowner Association dues for XXX in XXX.

7.23.18 - Client responded. Final (executed) 1003 Schedule of REO reflects no homeowner association dues for XXX. No XXX dues disclosed; no recurring payments reflected on bank statements to XXX association (XXX) or property manager (XXX).  * Qualifying ratios XXX / XXX with $XXXX residual income.       7.23.18 - Clayton has reviewed clients response and although HOA dues are not reflected on final 1003 or any other information in file pertaining to; a letter from borrower or XXX association should have been in file to state no HOA dues for property. Lender is attesting to fact no HOA fees. With this low DTI and borrower residual income issue is immaterial.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $391,597.66 in post-closing reserves;  86.12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, which is XXX% less than guideline requirement of XXX%

0491876266

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Docs in file support property taxes and HOI for XXX in XXX reflected on final 1003 schedule or REO but nothing in file to confirm if XXX dues apply or not.

7.23.18 - Client responded. Final (executed) 1003 Schedule of REO reflects no homeowner association dues for XXX. No XXX dues disclosed; no recurring payments reflected on bank statements to XXX association (XXX) or property manager (XXX).  * Qualifying ratios XXX / XXX with $XXX residual income.       7.23.18 - Clayton has reviewed clients response and although HOA dues are not reflected on final 1003 or any other information in file pertaining to; a letter from borrower or XXX association should have been in file to state no HOA dues for property. Lender is attesting to fact no HOA fees. With this low DTI and borrower residual income issue is immaterial.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $391,597.66 in post-closing reserves;  86.12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, which is XXX% less than guideline requirement of XXX%

0492102086

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender provided exception for use of  business fund being used for closing cost, down payment or reserves. Compensating factors include excellent credit to include XXX mortgages currently being paid on time, limited revolving credit use, income trend increasing and XXX months of reserves. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ; reserves of $284,609.47 or  60 months reserves (12 months required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job XXX of XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is well below guideline max of XXX%

0492102086

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Credit report reflects XXX open trade- lines for the primary borrower versus the required XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ; reserves of $284,609.47 or  60 months reserves (12 months required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job XXX of XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is well below guideline max of XXX%

0492588280

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0494992739

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $2,518,533.59 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0495201315

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 all required documentation to calculation Restricted Stock as income.  Missing evidence of the two year average of the stock to determine whether or not current stock price of two years average should be used to qualify. Additionally missing Schedule of Distribution of XXX shares and vesting schedule.

8.20.18 - Client responded. There is documentation in the file that shows the number of shares granted in XXX XXX and XXX YTD. It is noted that it appears as though the borrower received a portion of her XXX grant early (at the time of XXX promotion/XXX shares). The remainder was granted on the normal schedule in XXX. There is also a letter from the XXX Leader that states that the vesting schedule is XXX years. The paystubs from XXX, XXX and ytd shows the actual income amount from vested stocks for this borrower. The letter from XXX clearly states that the stock awards are calculated to ensure compensation for this borrower at XXX minimally. We used much less in qualifying. This XXX historical will show the XXX stock price daily for as far back as XXX years. XXX has printed and uploaded the prices from XXX through XXX. The total stock award for XXX is XXX which is the XXX from the time of the promotion plus the XXX in XXX. If the lowest price in XXX is applies to these XXX shares the income would be XXX share = $XXX. A XXX month average or that amount is $XXX. The client used a much more conservative estimate in their XXX income. They used the XXX share with the value at grant of $XXX/XXX or $XXX. Note that the amount of income through actual vesting is significantly higher. 8.20.18 - Clayton has reviewed clients response and documentation provided to support use of XXX shares and income from.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $502,803.78.  Final CD reflects required funds to close, $177,706.86.  Guidelines required no reserves.  Post close reserves $325,096.92. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0495201315

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Guidelines require the restricted stock price to be determined by using the lower of current stock price or the two year average.  Documentation in file only provided current stock price and a XXX yr. average. Additionally guidelines require Schedule of Distribution of XXX shares and  vesting schedule.  The documentation in file provides a dollar amount for restricted stock however does not supply how many shares were given and does not provide a vesting schedule. Provide documentation to support the two year average with Schedule of Distribution of XXX Shares and vesting schedule for review.

8.20.18 - Client responded. There is documentation in the file that shows the number of shares granted in XXX, XXX and XXX YTD. It is noted that it appears as though the borrower received a portion of her XXX grant early (at the time of XXX promotion/XXX shares). The remainder was granted on the normal schedule in XXX. There is also a letter from the XXX Leader that states that the vesting schedule is XXX years. The paystubs from XXX, XXX and ytd shows the actual income amount from vested stocks for this borrower. The letter from XXX clearly states that the stock awards are calculated to ensure compensation for this borrower at $XXX minimally. We used much less in qualifying. This link XXX historical will show the XXX stock price daily for as far back as XXX years. XXX has printed and uploaded the prices from XXX, XXX through XXX. The total stock award for XXX is XXX which is the XXX from the time of the promotion plus the XXX in XXX. If the lowest price in XXX  is applies to these XXX shares the income would be XXX/share = $XXX. A XXX month average or that amount is $XXX. The client used a much more conservative estimate in their XXX income. They used the XXX share with the value at grant of $XXX/XXX or $XXX. Note that the amount of income through actual vesting is significantly higher. 8.20.18 - Clayton has reviewed clients response and documentation provided to support use of XXX shares and income from.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $502,803.78.  Final CD reflects required funds to close, $177,706.86.  Guidelines required no reserves.  Post close reserves $325,096.92. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0495880308

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Lender exception:  Borr XXX eligible for non penalty withdrawal. Comp factors: Borrower has sufficient reserves. $XXX required, $XXX reserves documented. Credit score is XXX. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in current profession over XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid Score used to qualify XXX

0495888028

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $508,282.68.  Reserves required of $48,432.24 (12 x $4,036.02).  $61,461.33 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0496810511

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 evidence of monthly HOA fee for REO located at XXX.

8.24.18 - Client responded. The 1003 lists the HOA payment for XXX as $XXX/month. Attached are two XXX statements showing borrower making monthly payment of $XXX/mo to XXX, which is the name of the XXX project. 8.24.18 - Clayton has reviewed clients response and documentation provided supports the HOA payment as required.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no late payments reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post closing reserves of $835,364.84 or 352.94 months subject PITIA reserves; per guidelines, 12 months PITIA is required or $43,437.72. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is XXX points below the maximum allowable DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying score of XXX is XXX points above the minimum required score of XXX.

0496810511

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing evidence of monthly HOA fee for REO located at XXX.

8.24.18 - Client responded. The 1003 lists the HOA payment for XXX as $XXX/month. Attached are two XXX statements showing borrower making monthly payment of $XXX/mo to XXX, which is the name of the XXX project. 8.24.18 - Clayton has reviewed clients response and documentation provided supports the HOA payment as required.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no late payments reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post closing reserves of $835,364.84 or 352.94 months subject PITIA reserves; per guidelines, 12 months PITIA is required or $43,437.72. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is XXX points below the maximum allowable DTI of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying score of XXX is XXX points above the minimum required score of XXX.

0499254341

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same job XXX years and same line of work XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0499464974

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX, Calculating Cash to Close section, Closing Costs Financed (Paid from your loan amount) is disclosed as $XXX; however, calculated Closing Costs Financed is $XXX.  Difference of $XXX is the POC charges that should have been deducted from total closing costs to calculate Closing Costs Financed. Provide PCCD with corrections or LOX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  401.94 months reserves CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX days. Paid as agreed

0499464974

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

DTI XXX%. Max for Cash-out refinance XXX%

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  401.94 months reserves CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX days. Paid as agreed

0501253857

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0501455988

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $125,675.37.  Reserves required of $56,940.18(6 x $4,024.61)+(12x2,732.71).  $272,317.20 remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX%

0502684606

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is the POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below maximum XXX% guideline

0503453720

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0503910634

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.11.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.23.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $152,458.99.  Reserves required of $52,981.80(12 x $4,415.15).  $62,113.19  remaining reserves after funds to close. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has more than XXX years in current profession.

0505516651

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [F]: Calculating Cash to Close, Closing Costs Financed - Final, Value of $XXX does not match Clayton Calculation, Value of $XXX. The difference is $XXX which is the Paid Before Closing amount.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XX.XX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  46.76 months reserves.

0505516651

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX [I]: and CD: XXX [F]: Loan Costs, A-Origination Charges, Line XXX- Lenders Appraisal Review: $XXX & Line XXX-Tax Service: $XXX. Missing payee for Lenders Appraisal Review & Tax service fee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XX.XX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  46.76 months reserves.

0505516651

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

UW decision summary form indicates a lender exception was issued for purchase less than XXX day policy. Subject was purchased in XXX for cash and borrowers looking to recoup the proceeds. With low DTI XXX, liquid reserves & job stability of XXX years this is a non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XX.XX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  46.76 months reserves.

0507665120

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job- XXX employed for XXX years and  incorporated XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines by XXX points.  Minimum score XXX

0507942240

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

N/A

B

N/A

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD's XX/XX/XXXX & XX/XX/XXXX Other Costs Section E reflect $XXX Natural hazard Report fee per client and should be in section H and not Included as a recording fee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $166,366.42.  Reserves required of $56,127.60 (12 x $4,677.30).  $209,178.03 remaining reserves after funds to close.

0507942240

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

$XXX ten percent tolerance due to increase in recording fee from $XXX to $XXX on final CD. Final CD provided $XXX cure leaving a remaining $XXX due to borrower. Requires corrected PCCD, copy of refund check, LOX and verification of shipping.

7.30.18 - Client responded. "Disagree. Ten percent baseline on initial LE issued XXX included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on LE issued XXX then to $XXX on initial CD issued XXX. It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of Final CD issued XXX to cure variance in XXX% tolerance category.  This is not a testing defect so no corrective action is required. 7.30.18 - Clayton has reviewed clients response and Master Settlement Statement does reflect fee as stated by client therefore not a XXX% tolerance fee and has been corrected.

7.30.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $166,366.42.  Reserves required of $56,127.60 (12 x $4,677.30).  $209,178.03 remaining reserves after funds to close.

0508941774

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. reviewed on credit. XXX days. CFCFS2854: Significant time in profession - Clayton Comments:  XXX years same profession

0509014970

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3836: Borrower Net Worth - Clayton Comments:  additional reserves CFCFS2860: Good credit history - Clayton Comments:  Good credit history and scores

0509120301

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3824: Borrower contributed an additional down payment - Clayton Comments:  Borrower contributed XXX%  LTV XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current ratios : XXX% max DTI is XXX% CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV, Max LTV XXX%

0509314130

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.1.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for XXX yrs. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs.

0509861088

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0510065180

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

8.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves $94,911.26 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid fico XXX

0510526383

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0510823449

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Assets

Active

C

B

C

B

CRDAST115

Cash reserves do not meet guidelines

No

Per Underwriter Decision Summary: Loan has a lender exception for using business funds for down payment and closing cost and reserves. Underwriter approved allowing  funds being used from a previous Sch C business that was put into an XXX. Compensating factors include low DTI of XXX% and LTV of XXX% .

8.6.18 - Client responded. Lender approved an exception for use of business funds to meet reserve requirements on XXX. Exception was approved due to compensating factors noted. 8.6.18 - Clayton has reviewed clients response and this is a non-material issue therefore the B grade.

8.6.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 170.77 month in PITI cash reserves $644,566.83 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXXmonth with XXX late.

0510823449

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Insurance coverage is $XXX this is including XXX% ext replacement cost, loan amount $XXX. Insurance company XXX is not one of the company on matrix.

8.6.18 - Client responded. Insurance coverage is sufficient per lender guidelines. Evidence of insurance provided reflects HO-3 Preferred Homeowners form with extended replacement cost coverage on dwelling.  See evidence of insurance attached. 8.6.18 - Clayton has reviewed clients response and provided HOI doc and HO3 endorsement provide required coverage.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 170.77 month in PITI cash reserves $644,566.83 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXXmonth with XXX late.

0511458781

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession for XXX yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a FICO score of XXX.

0511845762

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0512759925

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $352,075.51.  Final CD reflects required funds to close, $125,304.54.  Guidelines require reserves of $33,508.98.  Post close reserves $193,261.99. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has XXX years XXX months in same line of work.  Borrower 2 has XXX years XXX months same line of work.

0512967034

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified 51.74 mos. post close reserves. Meets min. 12 mos. required per guides CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min score requirement  is XXX CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. reviewed on credit report. XXX days.

0514889445

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $161,180.48  or 41  months PITI reserves, which is more than required reserves of  $47,137.20 or 12 months.

0514911547

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0514931933

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD: XXX and Last CD XXX, Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the Home Warranty paid by the borrower is not designated as Optional.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX plus earnest money deposit $XXX.  Earnest money deposit verified by wire however wire was sent after asset statement end dates.  Earnest money was deducted from available reserves.  Guidelines require 12 mo. reserves or $40,927.32.  Post close reserves $190,281.68.

0515694141

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  All accts. are paid as agreed. XXX days CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX%  Max XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close reserves exceed min. Guideline requirement of 12 mos.

0515741205

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $401,060.50.  Reserves required of $135,019.44 (12 x $11,251.62).  $255,293.10 remaining reserves after funds to close.

0516138331

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.27.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed at current job for the past XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on current job for the past XXX years.

0518123289

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing Homeowners Counseling Originations List from file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 42.31 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX

0518123289

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure Missing from file if applicable.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 42.31 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX

0518123289

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.28.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 42.31 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX

0520881445

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

XXX Public Severe Storms and Flooding Severe Storms and Flooding, Missing subsequent inspection.

7.30.18 - Property Inspection received and indicates no damage.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%

0522531413

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0522852872

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $108,375.03.  Reserves required of $37,562.04 (12 x $3,130.17).  $521,292.71 remaining reserves after funds to close. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has XXX years at current job.

0524393616

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0525185331

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Both borrowers have additional income on paystubs which is not being used to qualify. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  B1 credit score of XXX exceeds guideline of XXX.

0527140298

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $862,932.43, after closing reserves remaining are $562,760.77 [61.66 months PITI] CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence.

0528180734

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0528660580

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX;  Borrowers Credit score exceeds guidelines of XXX. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good Credit History XXX for more than XXX months.

0530401630

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX and XXX for the past XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

0532254220

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $267,273.19 verified cash reserves exceed guidelines.

0537625964

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $1,103,607.67 which is 162.42 of PITI. Only requires 12 months [$6794.79 x 12= $81,537.48]. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX; requires XXX.

0538479394

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX past XXX mos. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years current job time CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% max is XXX%

0538841828

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0540206093

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a FICO score of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has  124.36 PITI months cash Reserves $942,457.69

0541587853

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0543134906

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has verified cash reserves of $199,437.37 or 78.50 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%

0543789604

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH119

Consumer lates exceed guidelines

No

UW Decision Summary Sheet indicates the lender approved an exception to policy regarding recent XXX lates on mortgage. This mortgage was taken over by borrower after XXX death. There is sufficient documentation in file to explain this situation. UW approval based on isolated incident and property was sold and mortgage was paid in full. Compensating Factors:Borrower has demonstrated good savings pattern and  stable employment with current employer.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with current employer for nearly XXX years. CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower has sufficient residual income, and has demonstrated a good savings pattern.

0544330473

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD dated XXX Calculating Cash to Close - Adjustments and Other Credits reflects $XXX. Total does not match Summaries of Transactions total as $XXX Buyer paying seller to Pay Off Other Liability captured in Line XXX Section K and should be captured under adjustments.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI below guideline requirement.

0544574775

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $315,443.88 in post-closing reserves, which is $262,303.40 more than the guideline required amount of $53,140.48, or 71 months in reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with current employer since XXX, XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX%, which is XXX% less than the guideline max of XXX%

0544926696

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

B1 income per lender is $XXX. File includes XXXX that reflects income of $XXX hr x XXX hours a week or $XXX per month. File also includes pay ledgers but range from $XXX to $XXX per pay ledger. Also states borrower received checks that should match up to the pay ledgers. No paystubs on file...not sure how lender calculated income for B1. Based on documentation need paystubs or WVOE to confirm actual income.

8.17.18 - Client responded. Email attached from XXX to B1 with job offer for a full-time position starting XXX (salary: $XXX per annum) and letter from B1 with employment details. Attachment to include VOE XXX with a confirmed start date XXX. XXX the XXX of XXX was also the XXX of XXX (previous employer). Additional document(s) to include a history on income for years XXX, XXX and XXX months of recent earnings (XXX-XXX) from XXX. B1 had not received XXX paycheck prior to close so a conservative income approach of $XXX/mo was calculated using XXX earnings. B1 has been in the same line of work for XXX years and it's reasonably documented that the income used to qualify will be significantly higher with new full-time salaried position. 8.17.18 - Clayton has reviewed clients response and based on documentation provided to reflect a much higher income for new job and documentation to support income used for prior year and using that XXX income as worse case since borrower had not started new job as of close of subject loan; the income used is sufficient.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX employed for XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers show satisfactory payment history

0544926696

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Deed of Trust not notarized or signed  by notary.

8.14.18 - Client responded. Attached find the Security Instrument notarized and signed by notary. 8.14.18 - Clayton has reviewed clients response and notorized copy of mortgage provided.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX employed for XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers show satisfactory payment history

0544926696

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC869

Mortgage not signed

No

The Deed of trust provided in the file is not signed by the borrower's or notary.

8.14.18 - Client responded. Attached find the Security Instrument notarized and signed by notary. 8.14.18 - Clayton has reviewed clients response and signed copy of mortgage provided.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX employed for XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers show satisfactory payment history

0544926696

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX: Section Other Cost E. Taxes and Other Government Fees; Natural Hazard Fee of $XXX should be in section H.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX employed for XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers show satisfactory payment history

0544926696

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

DTI

Satisfied

B

A

B

A

CRDDTI106

Debt Ratio Exception >5% and <10%

No

Lender approved DTI XXX%. Clayton calculated income B1 $XXX + B2 $XXX. Subject PITI $XXX + departing residence PITI $XXX + Other $XXX. Documentation in file for B1 income not sufficient to support $XXX income used.

8.17.18 - Client responded. Email attached from XXX to B1 with job offer for a full-time position starting XXX (salary: $XXX per annum) and letter from B1 with employment details. Attachment to include VOE XXX with a confirmed start date XXX. XXX the XXX of XXX was also the XXX of XXX (previous employer). Additional document(s) to include a history on income for years XXX, XXX and XXX months of recent earnings (XXX) from XXX. B1 had not received XXX paycheck prior to close so a conservative income approach of $XXX/mo was calculated using XXX earnings. B1 has been in the same line of work for XXX years and it's reasonably documented that the income used to qualify will be significantly higher with new full-time salaried position. 8.17.18 - Clayton has reviewed clients response and based on documentation provided to reflect a much higher income for new job and documentation to support income used for prior year and using that XXX income as worse case since borrower had not started new job as of close of subject loan; the income used is sufficient.

Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX employed for XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers show satisfactory payment history

0544926696

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

B1 income per lender is $XXX. File includes Consulting Contract that reflects income of $XXX hr x XXX hours a week or $XXX per month. File also includes pay ledgers but range from $XXX to $XXX per pay ledger. Also states borrower received checks that should match up to the pay ledgers. No paystubs on file...not sure how lender calculated income for B1. Based on documentation need paystubs or WVOE to confirm actual income.

8.17.18 - Client responded. Email attached from XXX, XXX of XXX to B1 with job offer for a full-time position starting XXX (salary: $XXX per annum) and letter from B1 with employment details. Attachment to include VOE XXX with a confirmed start date XXX. XXX the XXX of XXX was also the XXX of XXXX (previous employer). Additional document(s) to include a history on income for years XXX, XXX and XXX months of recent earnings (XXX-XXX) from XXX. B1 had not received XXX paycheck prior to close so a conservative income approach of $XXX/mo was calculated using XXX earnings. B1 has been in the same line of work for XXX years and it's reasonably documented that the income used to qualify will be significantly higher with new full-time salaried position. 8.17.18 - Clayton has reviewed clients response and based on documentation provided to reflect a much higher income for new job and documentation to support income used for prior year and using that XXX income as worse case since borrower had not started new job as of close of subject loan; the income used is sufficient.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX employed for XXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers show satisfactory payment history

0545886417

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX+ year employment stability

0546470392

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $218,252.10 or 46.03 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  B1 and B2 have both been in the same profession XXX years.

0546982400

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with employer for last XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower  has been with XXX for last XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX

0547623901

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX; guideline minimum is XXX.

0547978152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $346,289.90, which is a 74.73 months of PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit qualifying score per guidelines is XXX.  Borrower's qualifying credit score is XXX.

0548463602

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $198,741.73.  Reserves required of $66,107.76 (12 x $5,508.98).  $99,352.27 remaining reserves after funds to close.

0548797420

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below the maximum of XXX%

0550144923

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $796,890.72 or 86.91 months PITIA, guidelines required 9 months PITIA.

0550989130

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $324,997.06 or 48.90 months PITIA, guidelines required 9 months PITIA.

0552860246

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total assets $287,340.04, reserves after closing 129,671.51. Needs $64,004.76 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower at employer XXX years XXX months

0553156929

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job - XXX employed XXX  years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- XXX months reserves

0553427834

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current residence for over XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0555111794

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score is XXX; guideline maximum is XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  XXX Year Credit Profile with no late payments.

0557117155

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close,  Closing Costs Financed - Final, Value of $XXX which does not match Clayton Calculation, Value of $XXX. Difference between these values is the Closing Costs POC $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $0.  Reserves required of $36,768.00(12 x $3,064.00).  $671,469.45 remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has more than XXX years at current job.

0559343835

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $229,632.48 or 52.55 months which exceeds guideline requirement of 6 months.

0564013465

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

B

A

A

C

B

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3600

TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered

No

CD Issued XXX was E-signed. Missing e-consent

8.20.18 - Client responded. Disagree.  Closing date is XXX.  Initial CD with issue date of XXX and e-signed by both borrowers XXX meeting three business day timing found in file.  Copy of e-delivery consent forms are attached. 8.20.18 - Clayton has reviewed clients response and e-consent has been provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower one has been with same employer for last XXX years XXX month. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is lower than guideline max XXX%

0564013465

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

B

A

A

C

B

D

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.18.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.28.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower one has been with same employer for last XXX years XXX month. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is lower than guideline max XXX%

0564117540

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0565652703

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is below Lender max of XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Calculated assets $491,922.12 Liquid assets of $298,897.93 Reserves of $116,777.77 or 39.3 months (12 months required).

0566437922

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 Verbal Verification of Employment for both borrowers within XXX days of Note date. Brw 1 is XXX employed, no confirmation business active in file. Brw 2 is a wage earner for brw 1's business, does not have ownership. No VVOE provided.

8.1.18 - Client responded. Lender guidelines require decisioner to verify the existence of business for XXX employed borrowers using a number of resources available including XXX of State, internet websites, XXX, CPA, etc.  Decisioner verified the existence of XXX. on XXX; loan disbursed XXX.  Borrower is XXX% owner of XXX and co-borrower receives income from the same business.  See documentation attached. 8.1.18 - Clayton has reviewed clients response and proof of employment provided as required.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below minimum guideline requirement of XXX%.

0566437922

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX Difference is POC fees of $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below minimum guideline requirement of XXX%.

0566437922

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2488

Verbal verification of employment missing

No

Missing Verbal Verification of Employment for both borrowers within XXX days of Note date. Brw 1 is XXX employed, no confirmation business active in file. Brw 2 is a wage earner for brw 1's business, does not have ownership. No VVOE provided.

8.1.18 - Client responded. Lender guidelines require decisions to verify the existence of business for XXX employed borrowers using a number of resources available including XXX, Internet websites, XXX, CPA, etc.  Decisioner verified the existence of XXX. on XXX; loan disbursed XXX.  Borrower is XXX% owner of XXX and co-borrower receives income from the same business.  See documentation attached. 8.1.18 - Clayton has reviewed clients response and proof of employment provided as required.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below minimum guideline requirement of XXX%.

0566471440

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $354,530.14 or 71.68 months PITIA, guidelines required 9 months PITIA.

0567453780

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline requirement of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of XXX%. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in their respective professions for XXX years.

0569917666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

N/A

B

N/A

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Final CD dated XXX Other Costs Section E reflects per lender includes $XXX Natural Hazard Report fee.  This fee should be in Section h and broken out as an individual fee. This is not a recording fee and should not be included in section e.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $515,270.82, after closing reserves remaining are $347,861.66 [74.89 months PITI] CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0569917666

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

$XXX credit on CD XXX insufficient to cover increase in Recording fees from $XXX to $XXX at or prior to closing without a valid reason which is outside of ten percent tolerance. Please provide an additional $XXX refund, Letter of explanation, corrected Closing Disclosure, and proof of delivery within XXX days of consummation

7.30.18 - Client responded. Disagree. Ten percent baseline on initial LE issued XXX included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on LE XXX then to $XXX on initial CD issued XXX. It appears investor is including $XXX XXX Hazard Report in XXX calculation; however, fee is not held to a tolerance. Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of Final CD issued XXX to cure variance in XXX% tolerance category.  This is not a defect so no corrective action is required. 7.30.18 - Clayton has reviewed clients response and removed Natural Hazard Report from tolerance and Lender credit of $XXX covers XXX% tolerance issue.

7.30.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $515,270.82, after closing reserves remaining are $347,861.66 [74.89 months PITI] CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0570271949

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Application

Active

B

B

B

B

CRDAPP2418

Ownership history inaccurate / incomplete

No

UW Decision Summary indicates the lender approved an exception to policy regarding "flip transaction" subject was purchased by the seller from an estate sale in XXX. With approval, potential earnings & low housing ratio this is considered a non material issue

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have stable employment. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrowers good credit Fico XXX.

0570513278

XXXXXX

DE

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Per credit report, borrower has one active tradeline. Minimum required per guidelines is XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $18,104,197.81 or 2213 months which greatly exceeds minimum required per guidelines of 6.

0571738103

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

ABA not in the file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 94.23 PITI cash reserves $432,466.38 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX.

0571834468

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX month in reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs.

0572193032

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of XXX.

0576779655

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is XXX%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

0577024580

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $176,267.04in post-closing reserves, which is $135,420.40 more than the guideline required amount of $40,846.68, or 51 months in reserves

0577937627

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL4033

Missing Legal Document(s)

No

Missing proof tax lien for $XXX has been paid in full.  Reporting on credit report filed XXX.

5.24.17 Lender-Unable to locate proof tax lien for $XXX filed XXX has been paid in full. 5.24.17 exception remains. 8.16.18 - Client responded. Proof of tax lien paid off provided. 8.16.18 - Clayton has reviewed clients response and documentation to support lien was paid in full provided.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of XXX is XXX points higher than required XXX.

0580353514

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Lender Exception for Qualifying Ratios for Occupant Borrower when a NON Occupant Borrower is present.  Compensating Factors for B2/B3 (XXX)- Overall Credit Profile XXX+ years of extensive credit profile, with on time payments history, low reliance of revolving cards and low utilization rate, Total accounts listed XXX, with XXX current XXX closed. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,167,792.06 or 191.01 months PITIA, guidelines required 9 months PITIA.

0580638326

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $297,653.68 or 50.38 months PITIA, guidelines required 9 months PITIA.

0581080892

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0581153019

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX and Last CD XXX Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Recording fee $XXX paid by Seller is for Natural Hazard Report.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been operating current business for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing cash reserves of $649,956.51 or 90 months, exceeds minimum required per guidelines of 6 months.

0581668793

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

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 B1 within XXX days of the Note date per lender guidelines.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $XXX, exceeding  guidelines requirement.

0582728022

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 134.14  months PITI cash reserves $866,774.44 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employers for XXX yrs.

0583669130

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

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 within XXX days of Note date for both borrowers.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with LXXX for the past XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX XXX with XXX for the past XXX years.

0584010144

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - XXX months of reserves

0584821554

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $324,014.56,  after closing cost remaining assets $142,586.43. [290.97 months PITI] CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX; requires XXX.

0586843564

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE XXX under section Additional Information about this loan, the state abbreviation is missing from the license ID. Corrected on CD XXX. Satisfied.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

0586843564

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3604

TRID - Error discovered on Closing Disclosure

No

FINAL CD XXX, Loan Disclosures Section, Escrow Account - Box not checked for reason for declined escrow. This is a Non-numeric Material error.

8.17.18 - Client responded. Disagree. Agree that the closing disclosure dated XXX are missing a checked box for either "you declined it" or "your lender does not offer XXX" in the Loan Disclosure section. However, this defect is considered a non-numerical clerical error. Non-numerical clerical errors not considered significant or material defects and are not required to be remediated. 8.17.18 - Clayton has reviewed clients response and sent to Clayton Compliance department for opinion. 8.17.18 - Exception remains. 8.21.18 - Clayton Compliance department has responded and verified that this is considered a non numeric material error and not clerical. A Post Close CD to correct would be required to downgrade. 8.21.18 - Exception remains. 9.11.18 - Client responded. Providing copy of corrected CD and letter to customer from the Lender Client 9.11.18 - Clayton has reviewed clients response and PCCD corrects error.

9.11.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

0586843564

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

0587159102

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0588281509

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in current XXX for XXX years.

0593161858

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $526,998.92 or 97.58 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0594082502

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

7.25.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

(No Data)

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has XXX years same line of work. Borrower 2 has XXX years same line of work.

0595519475

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX Section: Section Calculating Cash to Close; The closing cost amount of ($XXX) is reflected as a negative number on the Alternative form and should be a positive number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years at current job.

0595519475

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender exception for short cash reserves not meeting X.XX months as required and only X.XX months provided. $XXXXX.XX cash reserves versus required $XXXXX.XX. Compensating factors for exception approval are low LTV of XXX%, reduction in housing payment, housing payment as agreed for last XXX months and residual income. Non-Material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years at current job.

0595966090

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Compliance

State Consumer Protection

Satisfied

D

A

D

A

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

No Cert of Compliance or Cert of Exemption in file

7.25.18 - Client responded. Disagree.  Copy of Certificate of Exemption is attached. 7.25.18 - Clayton has reviewed clients response and document has now been provided.

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of 43.0% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $687,732.40 in post-closing reserves, which is $637,154.64 more than the guideline required amount of $50,577.76, or 163 months in reserves

0595966090

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3590

TRID - At least one LE was delivered on or after the date that a CD was delivered

No

LE: XXX, was delivered after the first CD was issued on XXX.

7.25.18 - Client responded. Disagee. Closing disclosure with an issue date of XXX was not provided to the consumer. It was part of a closing prep package (sequence #004) that was internally generated and not provided to anyone. The initial CD was provided to the consumer via e-delivery XXX after the latest Loan Estimate provided XXX. This is not a defect so corrective action is not required. Copy of origination system Documents and Packages page showing the closing prep package is attached. 7.25.18 - Clayton has reviewed clients response and internal document provided reflects CD dated XXX was not delivered to borrower and Initial CD delivered via email was CD dated XXX.

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of 43.0% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $687,732.40 in post-closing reserves, which is $637,154.64 more than the guideline required amount of $50,577.76, or 163 months in reserves

0595966090

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Provide Vvoe for b2 dated within 20 business days of closing. Vvoe dated XXX, loan closed XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of 43.0% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $687,732.40 in post-closing reserves, which is $637,154.64 more than the guideline required amount of $50,577.76, or 163 months in reserves

0596479746

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for XXX years. and XXX years in same field CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower been on job XXX years and in same line of XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0597406975

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $XXX. Reserves required of $58,320.12 (12 x $4,860.01). $274,348.31 remaining reserves after funds to close.

0600013363

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0600826871

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $XXX cash to close required from borrower, Liquid assets of $139,316.14, Reserves of $49,131.20 or 13.98 months reserves. XXX months required or $XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43%.

0600880390

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months -  79 months verified

0601179919

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max XXX% CFCFS1739: Postive mortgage payment history - Clayton Comments:  54 mos. reviewed on credit. 0 X30 days

0602994947

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves.  Post cash reserves in the amount of $90,138.33.

0603037429

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

C

B

C

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD XXX and CD XXX: Other Costs Sections, (H) Other, Home Warranty Fee missing optional.

8.9.18 - Client responded. Disagree. Agree the closing disclosures dated XXX are missing the Optional designation for the Home Warranty fee in Section H. However, this defect is considered a non-numerical clerical error by XXXX Correspondent Compliance Testing team. Non-numerical clerical errors not considered significant or material defects and are not required to be remediated. 8.9.18 - Clayton has reviewed clients response and per Clayton Compliance team this is considered non-material and downgrading to B.

8.9.18 - Exception remains.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $477,548.71 or 128.96 months PITIA, guidelines required 9 months PITIA.

0604448663

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing List of Homeowners Counseling organizations

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years plus with same employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid fico XXX, min fico required XXX CFCFS2860: Good credit history - Clayton Comments:  Borrower has satisfactory mortgage, rent and consumer debt history, w/XXX lates

0604448663

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years plus with same employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid fico XXX, min fico required XXX CFCFS2860: Good credit history - Clayton Comments:  Borrower has satisfactory mortgage, rent and consumer debt history, w/XXX lates

0604448663

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE Issued XXX and Last LE Issued XXX. Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX. Exception Satisfied

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years plus with same employer CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid fico XXX, min fico required XXX CFCFS2860: Good credit history - Clayton Comments:  Borrower has satisfactory mortgage, rent and consumer debt history, w/XXX lates

0607459260

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP2129

MD Counseling Notice not in file

No

XXX Counseling Notice

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX employment with current employer. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good fico score XXX with XXX lates.

0607734121

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0609654852

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VVOE in file for both borrowers is dated XXX which is > 20 days from Note date of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $221,733.05 or 62.65 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0610365943

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Missing XXX party fraud report for XXX Co-borrower's XXX.

8.1.18 - Client responded. All XXX loans receive a CoreLogic Loan Safe review, however XXX limits the review to borrowers XXX and Loan Safe reports are only obtained when there is a high alert. 8.1.18 - Clayton has reviewed clients response and per Clayton Compliance department fraud checks are required on all borrowers for subject loan. This also meets requirements by XXX and other rating agencies. 8.1.18 - Exception remains. 8.7.18 - Clayton has obtained fraud reports on borrower XXX and no issues.

8.7.18 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has been in current XXX for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $149,213.17 or 18.43 months which exceeds minimum required per guidelines of 6 months.

0611157774

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has XXX trade lines, minimum required is XXX trade lines per guidelines.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage payment history XXX forXXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX PITI months in reserves.

0611174293

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B-2 has commission income we did not include in the ratios . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720

0613003181

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR118

ROR - Disbursement date is on/before disclosed "midnight of" date

No

ROR Rescission Date XXX, CD Disbursement Date XXX.

8.20.18 - Client responded. Agree. Right of Rescission is not in compliance. Funds were disbursed prior to midnight of the Third Business Day. Latest dated document is XXX. Third business day is XXX. How to Cancel date is XXX. Loan disbursement date per Final CD and origination system is XXX. Re-opening of rescission is required to cure defect. 8.20.18 - Exception remains. 8.24.18 - Client responded. Remediation docs: Attached is the Notice of Right to Cancel and letter that was sent to the borrower. 8.24.18 - Clayton has reviewed clients response and letter as well as corrected ROR has been provided.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the current Employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX; guideline maximum is 720.

0613003181

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR Rescission Date XXX, CD Disbursement Date XXX.

8.20.18 - Client responded. Agree. Right of Rescission is not in compliance. Funds were disbursed prior to midnight of the Third Business Day. Latest dated document is XXX. Third business day is XXX. How to Cancel date is XXX. Loan disbursement date per Final CD and origination system is XXX. Re-opening of rescission is required to cure defect.8.20.18 - Exception remains. 8.24.28 - Client responded. Remediation docs: Attached is the Notice of Right to Cancel and letter that was sent to the borrower. 8.24.28 - Clayton has reviewed clients response and letter as well as corrected ROR have been provided.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the current Employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX; guideline maximum is 720.

0613325006

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Other Costs, Field: (1) Missing payee information for Buyer Attorney fee Correction made on final CD dated XXX.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $406,511.59 in reserves, borrowers need 139,747.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed is XXX, credit score for co borrower was XXX

0613325006

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing proof of monthly HOA fee for the property located at XXX

9.12.18 - Client responded. Underwriter requested verification of HOA fee for XXX and conditioned accordingly. The condition was cleared with letter from the Association XXX stating a monthly assessment amount of $XXX (PDF attached). This figure was included in the payment and condition cleared. PITI-$XXX. Per the Underwriter, this letter was accepted in conjunction with the XXX bank statements showing electronic withdrawal of this amount to the HOA in the amount of $XXX. 9.12.18 - Clayton has reviewed clients response and HOA letter provided to verify HOA fee and XXX support with amount auto deducted monthly.

9.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $406,511.59 in reserves, borrowers need 139,747.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed is XXX, credit score for co borrower was XXX

0613346654

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $269,094.19 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0613849723

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $589,967.40 verified cash reserves exceed guidelines . CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0614019970

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3776

TRID - LE or CD does not meet TRID requirements

No

LE XXX: Loan costs section C states "see addendum to loan estimate to additional items". Addendum is not present in file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%

0614757952

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Loan has an LTV of XXX%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been with same employer for XXX yrs.

0614802090

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX as an XXXXX for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is well below guideline maximum per Retail guidelines of 43%.

0614851065

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0617239089

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0618556981

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same line of work for the past XXX years, XXX job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Asset verified exceed cash reserves required

0620669841

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has verified cash reserves of $166,943.88 or 32 months PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's have owned current residence XXX years.

0622207817

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  both borrowers have demonstrated a satisfactory credit history and mortgage history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have sufficient assets required for CTC and reserves

0622447186

XXXXXX

NE

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed for 64 months with 0x30 days late.

0622850231

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Missing Profit and Loss statement for XXX; not required for QM testing as XXX is less than XXX%. Non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below maximum allowed per guidelines of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $515,667.48 or 105.92 months which exceeds minimum required per guidelines of 6 months.

0622850231

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Missing Balance Sheet for XXX; not required for QM testing as XXX is less than XXX%. Non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below maximum allowed per guidelines of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $515,667.48 or 105.92 months which exceeds minimum required per guidelines of 6 months.

0623280190

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0623583228

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $102,668.54 verified cash reserves exceed guidelines.

0624217489

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Loan is disclosed as QM XXX but due to loan DTI exceeding XXX%, loan is not a Qualified Mortgage.

5.20.16 Lender provided XXX Benefits program details which validates calculation of $XXX for taxes. However it states there should be a Preliminary Certificate of Eligibility in file, and once units are complete there should be a Final Certificate of Eligibility in file. Please provide this in order to validate. 5.20.16 Exception remains. 8.16.18 - Client responded & Final Certificate of Eligibility provided as required. 8.16.18 - Clayton has reviewed and verified.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $2,158,014.55 or 427.41 months PITIA, guidelines required 6 months PITIA.

0624217489

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Credit

Application

Satisfied

A

A

A

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Missing XXX party fraud report.

7.20.18 - Client responded. Attached find the XXX Party Fraud Report. 7.20.18 - Clayton has reviewed and Fraud report provided as required.

7.20.18 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $2,158,014.55 or 427.41 months PITIA, guidelines required 6 months PITIA.

0624217489

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Credit

DTI

Satisfied

C

A

C

A

CRDDTI187

Debt Ratio > 50%

No

Final DTI XXX% using total income of $XXX, subject PITI of $XXX (P&I $XXX, Taxes $XXX, Ins $XXX & HOA $XXX) and other monthly debt of $XXX; lender value of XXX% was calculated using $XXX for subject property taxes which is unsupported.

5.20.16 Lender provided XXX Benefits program details which validates calculation of $XXX for taxes. However it states there should be a Preliminary Certificate of Eligibility in file, and once units are complete there should be a Final Certificate of Eligibility in file. Please provide this in order to validate. 5.20.16 Exception remains. 8.16.18 - Client responded & Final Certificate of Eligibility provided as required. 8.16.18 - Clayton has reviewed and verified.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $2,158,014.55 or 427.41 months PITIA, guidelines required 6 months PITIA.

0625528973

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max XXX% CFCFS2860: Good credit history - Clayton Comments:  All accts. are paid as agreed. XXX

0625605036

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Compliance Manual

Satisfied

C

A

C

A

CMPMAN2990

1003 - Final Application is not Accurate

No

Final Signed 1003 is missing from loan file.

8.17.18 - Client responded. Attached find the final Loan Application. 8.17.18 - Clayton has reviewed clients response and Final Application has been provided.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment on current job. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.

0625605036

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3604

TRID - Error discovered on Closing Disclosure

No

PC CD Issued XXX, XXX. File # is missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment on current job. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.

0625605036

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

PC CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: Clayton Calculation, Value: XXX. Values does not match. Corrected on PC CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment on current job. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.

0625605036

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Verbal verification of employment within 20 days of  Closing is missing from loan file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment on current job. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.

0626287568

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $476,089.50.  Final CD reflects required funds to close, $168,300.98 plus earnest money deposit for $8,250.00. No documentation was located in file to verify earnest money deposit. Funds were deducted from available reserves.  Guidelines require reserves of $66,675.60.  Post close reserves $232,862.92. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0626546741

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same XXX years. CB in same XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX. Min XXX.

0627046694

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; guideline maximum is 80%.

0627487009

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Property

Satisfied

A

A

A

A

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Subject s a XXX missing HOA Certificate/Questionnaire.

7.15.18 - Client responded. See attached Homeowners Cert/Questionnaire and Project approval. 7.15.18 - Clayton has reviewed and condo questionnaire as well as XXX Project Approval provided.

7.15.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline

0628033429

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0628474476

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

9.18.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.18.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 269,390.94 in reserves, only needs 38,682.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed is XXX, borrower has a XXX

0628959913

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $125,783.15 or 31.76 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

0630109554

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline

0630199689

XXXXXX

OK

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $289,864.68 or 45.92 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0630679400

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $108,534.82 or 25.82 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0631113431

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV, max per guidelines is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $244,670.64.  Reserves required of $31,331.36 (12 x $3,194.28).  $140,615.61 remaining reserves after funds to close.

0631940285

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $319,154.19 or 81.19 months PITIA

0633902394

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX Calculating Cash To Close, Field: Total Closing Costs (J is $XXX; CD: XXX Calculating Cash to Close, (J) - Loan Estimate,is $XXX

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $177,927.71 or 35.14 months PITIA, guidelines required 9 months PITIA.

0633902394

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX Calculating Cash To Close, Field: Estimated Cash to Close, Is$ XXX; CD: XXX Calculating Cash to Close, Field: Cash to Close - Loan Estimate, IS $ XXX. Need to provide updated LE

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $177,927.71 or 35.14 months PITIA, guidelines required 9 months PITIA.

0638103580

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

Transfer taxes increase from LE XXX to CD XXX amount began at $XXX and subsequently increased to $XXX difference of $XXX with no COC to address in file and no COC info on Change of Circumstance spread sheet. Please provide LOX, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.

8.1.18 - "Disagree. The Transfer Taxes increased to $XXX on the LE issued 4/XXX) with a valid Change Circumstance of the loan amount increasing from $XXX to $XXX on XXX. The LE was disclosed to the borrower within the 3 day timing requirement. This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screen shot attached. 8.1.18 - Clayton has reviewed clients response and COC provided to verify fee increase.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  borrower has been employed at job XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has paid current mortgage on time for 53 months

0638103580

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of property taxes and HOI for non subject primary residence.

8.2.18 - Client responded. The XXX pages which shows the Taxes and HOI for non subject primary residence was delivered in the PDF on pages 893-894. 8.2.18 - Clayton has reviewed clients response and non subject property information provided as required.

8.2.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  borrower has been employed at job XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has paid current mortgage on time for 53 months

0638105081

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

B

B

B

D

B

A

A

D

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD: XXX Summaries of Transactions Section: Adjustments and Other Credits Calculation is $XXX and Calculating Cash to Close Section: Adjustments and Other Credits - Final, Value: $XXX. Escrow hold back is not listed under adjustments therefore calculating incorrectly.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX as a XXX for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves of $344,648.23 or 91.14 months which exceeds required 6 months per guidelines.

0638105081

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

B

B

B

D

B

A

A

D

B

B

B

Property Valuations

Appraisal

Active

D

B

D

B

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing completion certificate.

7.17.18 - Client responded. An escrow hold back of $XXX was collected at closing in response to the need for the completion of the railing based on a contractors bid to complete the work at a rate of $XXX. The escrow for completion team is working to follow up with the borrower for completion of the railing, post closing (see embedded agreement and invoice). XXX non-agency policy allows work escrow hold backs to occur for work to be completed post closing. 7.17.18 - Clayton has reviewed escrow hold back agreement and work invoice. As this is a safety matter will down grade to non-material but can be satisfied once completion cert is provided.

7.17.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX as a XXX for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves of $344,648.23 or 91.14 months which exceeds required 6 months per guidelines.

0638960243

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post-closing assets in the amount of $296,647.20, which is 52.65 months of PITIA. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional XXX income not used in qualifying.

0639811343

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $357,522.94 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0640206922

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at employer for XXX years X month CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is720.

0640341798

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender made exception for loan closing in an XXX. Based on all compensating factors this is a non-material issue.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than exception max dti limit of XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $770,287.89 in post-closing reserves, which is $714,480.48 more than the guideline required amount of $55,807.41, or 248 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

0641742926

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $597,478.99 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0643298415

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Per UW decision summary form the lender granted an exception to guide lines for Post Closing Reserves. Borrower has X.XXm in reserves and guides require X.XXm. With credit depth on file since XXX, Mid Fico scores of XXX, timely housing payment history exception is non material

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0643479218

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0644110086

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years CFCFS2854: Significant time in profession - Clayton Comments:  XXX years CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX mos. reviewed. 0 X30 days. paid as agreed

0645777222

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been on current residence for XXX yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower (Primary) has been with same employer for XXX yrs.

0646286583

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  B1 XXX years in same XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% Max is XXX% CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years current residence

0646560304

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0647357136

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

The Initial application was dated XXX and the List of Homeowners Counseling Organizations was dated XXX which is more than 3 days of the application.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds 680 minimum score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% maximum guideline

0647487812

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $283,786.02, or over 43 months PITI.

0648277897

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0648913917

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed for over XXX years with same company CFCFS1739: Postive mortgage payment history - Clayton Comments:  XXX for both mortgages reporting on XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower cash reserves all liquid and exceed requirement

0649735364

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $449,255.60, or 59.50 months PITI verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0652032481

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 FICO of XXX points greater than the required credit score of XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX% is over XXX points below maximum DTI allowed at XXX%.

0655161664

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX. Area: Other Cost. Section F: Prepaid: There is no payee name assigned. Corrected with Final CD dated XXX. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  both borrowers demonstrate satisfactory mortgage payment history CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% MAX LTV XXX%

0655161664

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3554

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

LE dated XXX is e-signed XXX. E-consent is in file but also only e-signed XXX. Need proof e-consent was acknowledged prior to or same day LE dated XXX was sent. LE dated XXX is e-signed XXX. E-consent is in file but also only e-signed XXX. Need proof e-consent was acknowledged prior to or same day LE dated XXX was sent.

8.28.18 - Client responded. Disagree. Per XXX Correspondent testing XXX, a loan estimate was provided to the consumer on XXX (per the Date Issued on the LE) and meets 3 business day timing (application date is XXX). XXX Correspondent testing XXX does not validate provision and 3 day timing by when the consumer e-signs the disclosure. In addition, a loan estimate was provided to the consumer on XXX (meeting 3 day timing) that is a duplicate to the LE disclosed XXX that is not e-signed by the consumer. This is not a testing defect so no corrective action is required. 8.28.18 - Clayton has reviewed clients response and the issue is that there is no proof of when the e-consent was provided to borrower. E-signature date on e-consent is XXX. You have two LE's in file XXX dated XXX and the other XX/XX/XXXX. The XXX is e-signed. We need to see documentation that the e-consent was provided to the borrower prior to or same day the LE dated XXX was sent. You cant have an e-signed LE and no proof the borrower consented to docs being sent by email prior to that. 8.28.18 - Exception remains. 9.4.18 - Client responded. Disagree with investor. Per XXX Correspondent testing XXX, a loan estimate was provided to the consumer on XXX (per the Date Issued on the LE) and meets 3 business day timing (application date is XXX). XXXXXXX Correspondent testing methodology does not validate provision and 3 day timing by when the consumer e-signs the disclosure. In addition, a loan estimate was provided to the consumer on XXX (meeting 3 day timing) that is a duplicate to the LE disclosed XXX that is not e-signed by the consumer. Copy of e-delivery consent dated XXX is attached. This is not a testing defect so no corrective action is required. 9.4.18 - Clayton has reviewed clients response and e-consent provided now reflects borrower accepted on XXX which was not the case with the e-consent in original file. Proof has been provided now and exception satisfied.

9.4.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  both borrowers demonstrate satisfactory mortgage payment history CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% MAX LTV XXX%

0655187402

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO score XXX used max FICO XXX for program. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have exceptional credit history.

0655279696

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has over XXX years on current job CFCFS2860: Good credit history - Clayton Comments:  Excellent credit history. XXX credit score with XXX life of all trade lines and mortgages.

0656667459

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement max 36/43 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 720

0657147507

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  borrower gets bonus income we did not include in the ratios CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower fico of XXX exceed the max for loan of XXX

0658359156

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing XXX Statement #XXX. Funds required for closing.

8.6.18 - Client responded. See XXX statement attached. 8.6.18 - Clayton has reviewed clients response and statement has been provided as required.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  All accts. are paid as agreed. 0 X30 days past 12 mos.

0658359156

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH118

Mortgage/rental lates exceed guidelines

No

Approval required 12 month VOR. Missing most recent 12 month verification of rent.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  All accts. are paid as agreed. 0 X30 days past 12 mos.

0658844556

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at XXX which is below the max guideline of 43%

0659400247

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% maximum guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below 80% maximum guideline

0660553110

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying score of XXX exceeds guideline minimum of 680. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has greater than 99 months mortgage payment history with zero reported lates.

0661488921

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $273,386.13.  Final CD reflects required funds to close, $127,263.84 plus $25,000 earnest money deposit.  No documentation to support earnest money deposit reflected on Final CD cleared borrowers account prior to close was located in file. Earnest money deposit deducted from available reserves.  Guidelines require reserves of $42,546.06.  Post close reserves $78,576.23.

0662363872

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender exception: Housing Payment History. Borrowers have no housing history. Comp factors: Conservative credit users and have capacity for the new housing payment. DTI is less than XXX%.

8.10.18 - Client responded. XXX approved exception - No mortgage/rental payment history. Exception approved under the PCO delegated authority. 8.10.18 - Clayton has reviewed clients response and determined non material.

8.10.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0664380511

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.

0664627791

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4282

TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE XXX: Section Calculation Cash to Close value; $XXX is different then the value on the LE column of the final CD XXX value $XXX. Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points

0664627791

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4284

TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE XXX: Section, Calculating Cash To Close; Seller Credits value is 0 is different from the value disclosed on the final CD XXX LE column value -XXX.Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points

0664627791

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE XXX: Section Calculation Cash to Close; (j) $XXX is different from the value disclosed in the LE column of the final CD XXX value $XXX.Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points

0664627791

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE XXX, Section: Calculating Cash To Close; Estimated Cash to Close value $XXX; is different then the Final CD XXX , Section : Calculating Cash to Close; value $ XXX. Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points

0665395682

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years XXX months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $62,767.16 or over 18 months, exceed 12 month requirement.

0665965422

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception for Escrow Waiver for XXX Time Home buyer. Comp Factors: $XXX liquid funds after closing. Monthly income of $XXX monthly residual income will allow borrower to save and pay escrow. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $97,665.37 or 18.04 months PITI CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower is an XXXXX with XXXXX. Has high potential for increased earnings.

0666881867

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

CD dated XXX Calculating Cash to Close; Adjustments and Other Credits reflects $XXX. Summaries of Transactions section K adjustment $XXX. Line 4 in Section K reflects Sewer Capacity fees of $XXX but is in wrong line. Should be under Adjustments in line 5 therefore the section is not calculating correctly.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  45 months at 0x30; of Mortgage History exceeds 24 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI; guideline maximum is 43%.

0667616840

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, & CD: XXX Section: Other Costs, Field: H. line 01, missing Payee. Satisfied by Post Close CD: XXX which is within 60 days. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum.

0667616840

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

CD: XXX [Last CD], Section: Loan Disclosures, Field: Demand Feature is present without a check mark for which feature. Satisfied by Post Close CD: XXX within 60 days. Exception satisfied.

(No Data)

Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum.

0668216684

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current XXX for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below maximum allowed per guidelines of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $175,292.72 or 54.41 months which exceeds minimum required per guidelines of 6 months.

0668772718

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $287,582.51 in  reserves. CFCFS2854: Significant time in profession - Clayton Comments:  XXX years industry tenure. CFCFS1750: High potential for increased earnings - Clayton Comments:  Potential for increased earnings through promotion or new employment.

0670055049

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0673329949

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $782,073.19 verified cash reserves exceed guidelines.

0673450928

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception - Unacceptable collateral, XXX Environmental Deed Restrictions.

7.23.18 - Client responded. XXX approved exception - Unacceptable Property Type (XXX Environmental Deed Restrictions). Exception approved under the PCO delegated authority. 7.23.18 - Clayton has reviewed clients response and based on low LTV,DTI and strong credit history exception non-material.

7.23.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 49.14 months reserves. Guidelines require 12 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history 0x30 for 32 months reviewed. Guidelines require 0x12.

0674565489

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has $427,927.20 in reserves.

0676762365

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0676919554

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX Calculating Cash to Close Section: Closing Costs Financed - Final, Value: $XXX and Clayton Calculation, Value: $XXX. Lender did not deduct POC charges of $XXX from Total closing costs for Closing Costs Financed.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below maximum 70% guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline

0676919554

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX Other Costs Section E: Recording Fee does not itemize whether fees are from Mortgage or Deed.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% below maximum 70% guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline

0678587374

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has more income that we could have used , but did not use all . but base pay and the bonus CFCFS2860: Good credit history - Clayton Comments:  borrowers have exceptional credit history and payment record

0678625676

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4354

TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form

No

Missing page 5 0f 5 for CD dated XXX.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $535,285.90 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0679138713

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX1, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. H. Other. Survey Fee is missing the Payee. Corrected on CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has significant net worth with 4 million in reserves. CFCFS2860: Good credit history - Clayton Comments:  Borrower have good credit history with minimum usage and paid mortgages.

0679252018

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

CD's were issued on XXX & XXX. Disclosure tracking not in file.

7.20.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in XXX XXX  allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by one of the consumers on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery.  This is not a defect so no corrective action is required.  Copy of origination system Documents and Packages page showing the Confirm date is attached. 7.20.18 - Clayton has reviewed and although information was not on the Data Disclosure Master sheet received client has provided internal documentation to reflect Initial CD was sent electronically on XXX and received same day by borrower.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for XXX years and XXX months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with current employer for XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower in her profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 48.72 months reserves. 12 months required for this program.

0680325869

XXXXXX

MO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0680426111

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0680896695

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0681217411

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $554695.19.  Reserves required of $191,494.56 (12 x $12,799.38) + (6 x $6,317.00).  $1,160,525.64 remaining reserves after funds to close.

0681802770

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Lenders Approval. Subject loan manually underwritten according to 1008.

7.30.18 - Client responded. Because the loan was manually underwritten the 1008 was used. The pdf delivered, the 1008 is signed by the underwriter and includes comments for approval. You would need to reference the underwriting guidelines for manually underwritten loans for specific documentation requirements. 7.30.18 - Clayton has reviewed clients response. Loan has been underwritten to manual guidelines.

7.30.18 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked XXX years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of XXX exceeded the guideline requirement of 720 by XXX points.

0681843996

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  credit score of 788 exceed guideline requirement of of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 10 years

0681965876

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation closing costs XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0683221084

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, and CD: XXX [Last CD],  Loan Costs - Missing payee for fees in  section C.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX employed with same company for XXX  years same line of work .

0683404502

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $732,948.89, after closing reserves remaining are $487,055.59.  [62.84 mos. reserves] CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0686824466

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Lender Exception:  Does not meet tradeline requirement. Comp Factors: Low DTI of XXX%/XXX%. Strong monthly residual income of $XXX/month. XXX credit card opened XX/XXXX with high balance of $XXX, XXX past XXX months.  Rental history XXX past XXX months.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 749. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 28 months PITI.

0688934770

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0689186852

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing homeowners counseling form

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 804 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 22.13 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21.06%

0689457144

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $125,476.59.  Reserves required of $36,139.68(12 x $3,011.64).  $192,366.53  remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43%

0692125962

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Provide Missing Affiliated Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower have resided at the current residence for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is 43%.

0693156686

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for XXX yrs CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs .

0694125193

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $115,769.40 or 28.74 months which exceeds guideline of 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX  years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline max of 43%.

0695290357

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B2 at current job in excess of XXX years CFCFS1744: DTI below guideline requirement - Clayton Comments:  front and back end ratios both are below guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV is XXX%.

0696347923

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0697259713

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XX.XX.XXXX: Section  Calculating Cash to Close: Closing Costs Financed value $XXXXX.XX does not equate to the amount based on the Reg's formula $ XXX. The difference is the POC (closing cost paid before closing) $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 752

0697834920

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Provide fully executed HUD-1 sale of XXX. The unexecuted HUD-1 is in the file.

5.28.17 Lender stated Unable to procure a fully executed prior home CD. 5.28.17 Please provide proof that home is no longer owned by borrowers. Exception remains. 8.16.18 - Client responded. Signed copy of HUD provided for sale of departing residence. 8.16.18 - XXX has reviewed clients responded and HUD provided and signed as required.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has a mortgage history of XXX late reviewed for XXX months .

0697834920

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2550

Missing HUD-1 from sale of property

No

Provide fully executed HUD-1 sale of XXX. The unexecuted HUD-1 is in the file.

5.28.17 Lender stated Unable to procure a fully executed prior home CD. 5.28.17 Please provide proof that home is no longer owned by borrowers. Exception remains. 8.16.18 - Client responded. Signed copy of HUD provided for sale of departing residence. 8.16.18 - XXX has reviewed clients responded and HUD provided and signed as required.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has a mortgage history of XXX late reviewed for XXX months .

0697834920

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Property Valuations

FEMA

Satisfied

A

A

A

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

XXX XXX XXX, missing subsequent inspection.

7.23.18 - Property Inspection report received and reflects no property damage.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has a mortgage history of XXX late reviewed for XXX months .

0698013421

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $360,383.20 or 65.75 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

0698111392

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0699324090

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $495,362.27 in post-closing reserves, which is 593,950.43 more than the guideline required amount of $170,766.21, or 40 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

0699648486

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Provide XXX signature pages for personal and business tax returns. E file authorizations in file were not executed by borrowers.

7.30.18 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the XXX  or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.   7.30.18 - Clayton has reviewed clients response and per guidelines agrees.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B-1 shows W2 income we did not use and also has SSI income I did not use to qualify CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B-1 and B-2 have been XXX for more than XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Both B-1 and B-2 Credit score of XXX exceed min 720 .

0699648486

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX  [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: Clayton Calculation, Value: XXX. Values does not match. Difference is POC of $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B-1 shows W2 income we did not use and also has SSI income I did not use to qualify CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B-1 and B-2 have been XXX for more than XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Both B-1 and B-2 Credit score of XXX exceed min 720 .

0699648486

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Provide XXX signature pages for personal and business tax returns. E file authorizations in file were not executed by borrowers.

7.30.18 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the XXX or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.   7.30.18 - Clayton has reviewed clients response and per guidelines agrees.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B-1 shows W2 income we did not use and also has SSI income I did not use to qualify CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B-1 and B-2 have been XXX for more than XXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Both B-1 and B-2 Credit score of XXX exceed min 720 .

0703908889

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX Min 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXXyears.

0704120707

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0705235038

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $687,736.27, after closing cost assets are $455,340.07. [91.78 months PITI]. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX requires 720.

0706026808

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception for Use of Business Funds for Down Payment Closing or Reserves. Customer owns business XXX% and the way income is reported on business returns supports business  and could be treated as Schedule C  where use of business funds to co-mingle business and personal expenses is typical with Schedule C type of business. Business has minimum liabilities and even with use of business assets for down payment, closing, and reserves, this will not adversely affect the daily operation. Compensating Factors: Overall credit profile is excellent with stable income in same line of business since XXX, assets of $183,875.77 supporting ability to save, ratios of XXX% with residual income $10,676.71/mo supporting ability to repay, excellent established credit since XXX with minimal use of revolving credit and excellent mortgage payment history with XXX since XXX and LTV/CLTV of XXX%. Non Material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $380,284.98 or 78.42 (12 months required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years job tenure

0706026808

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Lender Exception in loan file for Landlord would not sign VOR. Have 10 months cancelled  checks. Compensating Factors: Property is located in a market with  stable or increasing values; High level or Residual Income Remaining after all monthly debt considered; documented savings pattern; long term employment; potential for increased earnings through promotion or new employment. Non Material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $380,284.98 or 78.42 (12 months required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years job tenure

0706159325

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $675,396.64 or 76.63 months PITIA, guidelines required 9 months PITIA.

0706924815

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Guidelines requires earnest money deposit to be verified when amount received is above a customary amount. Final CD reflects an earnest money deposit of $XXXXXX.XX.  No documentation was located in file to verify the funds cleared borrowers account prior to close.  Provide satisfactory documentation to support the $XXXXXX.XX earnest money deposit was paid with borrowers own funds.

7.26.18 - Client responded. "Lender guidelines allows discretion in determining whether or not the source of funds to cover the EMD should be verified. In this case, the borrower had $XXXk verified liquid funds ($XXXk in total eligible assets) and needed $XXXXX at closing excluding the EM. The $XXX EMD represented about XXX% of the $XXX purchase price. The EMD doesn't appear excessive for the market or for the borrowers history of accumulated savings.   7.26.18 - Clayton has reviewed clients response as well as guidelines and borrower had more then enough funds to cover EMD without actual verification it cleared.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $542,768.77.  Final CD reflects required funds to close, $XXX.  Final CD reflects $XXX earnest money deposit. No documentation located in file to verify cleared borrowers account prior to close. Guidelines require reserves or $38,706.93.  Post close reserves $306,407.46. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement of 680.

0708559280

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Both borrowers have stable employment. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrowers have good credit history.

0708578741

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3706

TRID - Curable Issue #1 related to the Closing Disclosure in file

No

LE XXX Contact Information the state is not listed for the XXX number listed. CD issued XXX corrects this error. Exception satisfied.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 44.43 months PITI cash reserves $438,223.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX has a median FICO score of XXX

0708578741

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3708

TRID - Curable Issue #2 related to the Closing Disclosure in file

No

CD XXX Calculating Cash to Close Adjustments and Other Credits figures charged; however, the reason for the change is not listed. CD issued XXX corrects this error. Exception satisfied.

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 44.43 months PITI cash reserves $438,223.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX has a median FICO score of XXX

0709421346

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $50,674.32 or 17.41 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX max per guidelines is 43%.

0709590973

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $259,659.74, or over 52 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is below guideline max of 43%.

0710918819

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Guidelines require a minimum of XXX active tradelines. Borrower tradelines = XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $378,999.03 or 48.90 months PITIA, guidelines required 9 months PITIA.

0711007464

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX, Calculating Cash to Close Section, Closing Costs Financed is $XXX and does not match the review calculation of $XXX. Difference is POC of $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; maximum LTV is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $1,635,802.87 which is 193.48 months of PITI. Only requires 12 months [$8454.79 x 12= $101,457.48].

0711334582

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720 CFCFS2860: Good credit history - Clayton Comments:  Borrower has exceptional Credit payment history

0712765367

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $163,375.26 or 26.80 months PITIA.

0713162404

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

File is missing evidence that the initial CD XXX was acknowledged at least 3 days prior to consummation date. Disclosure data master presently does not reflect this loan to confirm receipt; disclosure data worksheet does not contain the verification

7.25.18 - Client responded. Disagree. The Closing Disclosure was provided XXX The CD was confirmed (acknowledged) in XXX review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per methodology, this is the same as an “in hand” delivery.  This is not a testing defect so corrective action is not required. Copy of origination system Documents and Packages page showing the Confirm date is attached. 7.25.18 - Clayton has reviewed clients response and although subject loan was not reflected on Data Disclosure Master sheet an internal document has been provided that supports borrower opened email for CD dated XXX therefore verifying receipt.

7.25.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $86,589.78.  Reserves required of $49,133.64 (12 x $4,094.47).  $449,665.03 remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has more than XXX years at current job

0714743642

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum 680 score requirement

0715662239

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX: loan costs section: does not list the name of the provider for condo assn info fee only states tbd. Corrected on final cd XXX. Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  B1 has XXX years in same profession CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has over XXX  years at current job

0715688072

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation XXXXX.XX closing costs XXX - POC XXX = XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $119,916.62 or 22.67 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

0715717740

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0716232883

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Lender Exception for Borrower does not have XXX months Rental or Mortgage History. Compensating factors are significant increase in income as well as additional XXX in reserves over what is required. Low revolving debt usage. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum per guidelines of XXX. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has positive XXX income per XXX/XXX in file not using for qualification. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a strong XXX year credit history with XXX active trades and XXX closed trades and only XXX reported late in XXX.

0716561921

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit history reviewed XXX month with  XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 118.75 PITI cash reserves $473,820.27

0717659572

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0719459077

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% max 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Min credit score required 700.

0721706072

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

Closing Disclosure issued XXX: Calculating Cash to Close for field: Closing Costs Financed value is $XXX & Clayton's Calculation is $XXX  Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX%

0724177741

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment in current position. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history with limited use of revolving debt.

0725731995

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $387,774.75 in post-closing reserves, which is $387,774.75 more than the guideline required amount of $42,566.65 or 109 months in reserves CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been with current employer since XXX, years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX , which is XXX points higher than the guideline requirement of 680.

0727459228

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years as owner of XXXXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX dti

0729558823

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

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 due to missing XXX and business returns if applicable for Borrower XXX ax transcripts reflect business loss however no other documentation related to business loss was located in file.

8.1.18 - Client responded. At initial application, borrower disclosed he sold his company (XXX) to his current employer (XXX) and retained a XXX% ownership. Lender guidelines allow decisioners discretion to waive K-1s and business returns.  Lender obtained the most recent IRS tax transcript available; a Schedule E loss of -$XXXXX.XX was reflected.  Reducing qualifying income by loss (-$XXX.XX per month)  increases total debt ratio to XX.XX%, still below maximum permitted per lender guidelines. Decisioner satisfied transcript stipulation with no further documentation required.   Internet search of employer's XXX acquisition of XXX by XXX in XXX. See documentation attached. 8.1.18 - Clayton has reviewed clients response and guidelines. Reduction in income was made as required and this is acceptable.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.

0729558823

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXXXX.XX actual calculation XXXXX.XX closing costs XXXXX.XX - POC XXXXX.XX = XXXXX.XX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.

0729558823

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE XXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number (XXXXX.XX) rather than calculation XXXXX.XX - XXXXX.XX - XXXXX.XX = XXXXX.XX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.

0729558823

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

XXX transcripts for Borrower 1 reflects a business loss on Schedule E of XXX). Provide XXX and XX and business returns if ownership interest is XXX% or greater.  Lender did not reduce earnings by the loss. No other documents were located in file to identify the company reflected on Schedule E and missing sufficient documents to calculate a full XXX mo. analysis.

8.1.18 - Client responded. At initial application, borrower disclosed he sold his company (XXX) to his current employer (XXX) and retained a XXX% ownership. Lender guidelines allow decisioners discretion to waive K-1s and business returns.  Lender obtained the most recent IRS tax transcript available; a Schedule E loss of -$22,533 was reflected.  Reducing qualifying income by loss (-$1,877 per month)  increases total debt ratio to XXX%, still below maximum permitted per lender guidelines. Decisioner satisfied transcript stipulation with no further documentation required.   Internet search of employer's XXX acquisition of XXX by XXX in XXX. See documentation attached. 8.1.18 - Clayton has reviewed clients response and guidelines. Reduction in income was made as required and this is acceptable.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.

0730003334

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX Difference is POC of XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  max XXX, loans LTV is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan requires 12 mo PITI reserves or $46,383.12 in assets. Borrower has $615,855.42 in total assets

0730242448

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Minimum required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $528,019.41 or 98.11 months PITIA, guidelines required 9 months PITIA.

0731398515

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX.  Section  Other Cost. Section F: Prepaid; Missing the number of months collected for 2nd half of property taxes. Corrected on subsequent PCCD XXX: Section Other Cost F. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is less than maximum allowed per guidelines of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0731995264

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID4801

TRID - LE:  In 5 Years:  Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed.

No

Total P&I is under disclosed by $-2,050.10 QC to review

8.6.18 - Client responded. Disagree.  Calculated In XXX Years Total Payment is $XXX which matches what is disclosed on the Loan Estimate.  Calculated In XXX Years Principal calculation is $XXX which matches Loan Estimate.  Investor sheet not provided for comparison.  This is not a testing defect so no corrective action is required. 8.6.18 - Clayton has reviewed clients response. Clayton Compliance Department has reviewed and input error corrected.

8.6.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $268.754.97 Post cash Reserves $6,698.48 PITI; REO PITI is $3,435.83; 58.35 months PITI in reserves. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed in her current profession for XXX years.

0735685733

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE dated XXX Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX Exception Satisfied

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 33.60 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in profession.

0735921845

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC869

Mortgage not signed

No

Missing the Co-borrower signature from the mortgage and rider.

5.30.17 - Client rebuttal -  Unable to locate the Mortgage with co-borrowers signatures.  However still need the Co-borrower signature from the mortgage and rider. 5.30.17 - Exception remains. 8.16.18 - Client responded. Executed mortgage provided. 8.16.18 - Clayton has reviewed and copy of fully executed mortgage by bother borrower's provided.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $222,150.67 or 66.36 months PITIA CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX below guideline requirement of 43% by XXX%

0735921845

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

C

A

C

A

CMPROR114

ROR - Right of Rescission not executed by all title holders

No

File is missing a Right of Rescission Notice signed by the Co-borrower.

5.30.17 - Client provided the Co-Borrower Right of Rescission Notice.  However it is unsigned. 5.30.17 - Exception Remains 8.16.18 - Client responded. ROR for co-borrower provided. 8.16.18 - Clayton has reviewed clients response and confirmed ROR for co-borrower provided and signed.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $222,150.67 or 66.36 months PITIA CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX below guideline requirement of 43% by XXX%

0735921845

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX: Section Calculation Cash to Close; The stated Closing Costs Finance $XXXXX.XX does not equate to the amount based on the Reg's formula  $XXX. The difference is the closing cost paid before closing $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $222,150.67 or 66.36 months PITIA CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX below guideline requirement of 43% by XXX%

0737146717

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4241

TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts

No

PCCD: XXX, Section: Calculating Cash to Close, Cash to Close - Loan Estimate, is listed as XXX, however, Section: Calculating Cash to Close, review equals XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0737146717

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4253

TRID - CD: The Deposit value in the  LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number

No

PCCD: XXX, Section: Calculating Cash to Close, Deposit - Loan Estimate, Value: XXX is disclosed as a positive number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0737146717

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4257

TRID - CD: The Seller Credits value in the LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number

No

PCCD:XXX, Section: Calculating Cash to Close, Seller Credits - Loan Estimate, XXX is disclosed as a positive number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0737146717

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4289

TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section

No

PCCD: XXX and CD:XXX, Section: Summaries of Transactions, Message: Adjustments and Other Credits review calculation equals (XXX); however, Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, is listed as XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0737146717

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4311

TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

Non-Numeric Error found: PCCD issued XXX under the Calculating Cash to Close section: Loan Estimate values for Deposit: XXX; Seller Credits: XXX; and Adjustments and Other Credits: XXX should all reverse the "-" to read XXX;XXX; and XXX respectively to correctly calculate the Cash to Close.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0738253855

XXXXXX

NH

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0738274899

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: $XXX Calculation, Value: $XXX.  Values do not match.  Difference is $XXX which is the Closing Costs Paid before Closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 100.78 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0738274899

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX  Calculating Cash To Close, Estimated Closing Costs Financed (Paid from your Loan Amount), Value: $(XXX).  Value is displayed as a negative number on the LE.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 100.78 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0738274899

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4229

TRID - CD: The Prepaids total amount disclosed in the CD Other Costs section does not equal its component parts

No

CD: XXX, Other Costs, Prepaids - Total – Borrower-Paid, Value: $XXX; Total Calculated, Value: $XXX.  Values do not match. Corrected on CD XXX Satisfied (2)

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 100.78 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0738274899

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.17.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX A field review has been ordered.

7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 100.78 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%

0739331367

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0740031046

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE Issued XXX. Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX. Exception Satisfied

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS2860: Good credit history - Clayton Comments:  Both borrower have minimal credit balances and good payment history

0742239349

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX has been at same employer XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 213,471.04 in assets, needs 83,230.92 at closing, leaving 130,241 for reserves. Loan requires 60,033.60 in reserves

0744737919

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Property Valuations

Property

Active

B

B

B

B

PRVAPROP241

Property Type unacceptable under guidelines

No

Lender Exception Request: No Exceptions granted or implied within FF authority. Unacceptable property type. Compensating Factors: XXX approved, no red flags, based on prior applications XXX% LTV allowed per matrix.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is well below maximum allowed of 43%.

0745736747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

B

C

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR118

ROR - Disbursement date is on/before disclosed "midnight of" date

No

CD dated XXX and executed XXX has a disbursement date of XXX.

8.20.18 - Client responded. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. 8.20.18 - Exception remains. 8.28.18 - Client responded. Corrected CD was provided. 8.28.18 - Clayton has reviewed clients response and disbursement date is now correct.

8.28.18 - 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 shows over XXX months PITI reserves.

0745736747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

B

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD dated XXX and executed XXX has a disbursement date of XXX.

8.20.18 - Client responded. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. 8.20.18 - Exception remains. 8.28.18 - Client responded. Corrected CD was provided. 8.28.18 - Clayton has reviewed clients response and disbursement date is now correct.

8.28.18 - 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 shows over XXX months PITI reserves.

0745736747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX Calculating Cash to Close,  Closing Costs Financed $XXX does not match Calculating Cash to Close, Review Calculation $XXX. Difference is POC's of $XXX.

(No Data)

(No Data)

Numeric

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 shows over XXX months PITI reserves.

0745736747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

C

B

C

B

A

A

C

B

C

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.3.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.9.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX

8.9.18 - 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 shows over XXX months PITI reserves.

0746335355

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $523,650.49, after closing reserves remaining are $304,215.61. [50.37 months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0746653253

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX  months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score of XXX for primary borrower.

0747216100

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0750301829

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX % below program requirement of 80.000%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX exceeds program requirement of 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $241,440.45.  Final CD reflects required funds to close, $149,087.69.  Guidelines require reserves or $33,404.49.  Post close reserves $58,948.27.

0750579491

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close: Closing Costs Financed - Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close: Clayton Calculation -Value: XXX. Difference is POC of $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 40%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $435,245.00 or 71.97 months PITIA, guidelines required 9 months PITIA.

0750579491

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL101

Missing legal docs for senior or subordinate loan

No

Missing Subordinate Note. 1008 and UW Decision Summary indicate subordinate financing in the amount of $XXX

8.17.18 - Client responded. See attached 2nd note for $XXX 8.17.18 - Clayton has reviewed clients response and 2nd Note provided as required.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 40%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $435,245.00 or 71.97 months PITIA, guidelines required 9 months PITIA.

0751179157

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0752553197

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of $72286.23 or 13.76 months ( 12 months required) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower score of XXX exceeds guideline minimum by 24 points.

0755960673

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds 680 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline

0756969189

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

3 trades required, borrower only has 2

9.19.18 - Client responded. Credit is sufficient, # of trade lines meet guideline requirements. Credit Report attached. 9.19.18 - Clayton has reviewed clients response and credit report reflects the minimum 3 active accounts as required.

9.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX

0756969189

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Require complete XXX mo rental history, still need XXX thru XXX rental checks

9.19.18 - Client responded. Waiving the VOR payments is not allowed, but judgment regarding the number of months of payments verified is allowed per underwriting guidelines. Missing support docs for VOR attached to include monthly rent payments of $XXX to XXX  thru XXX and monthly rent payments of $XXX to XXX thru XXX along with a letter from the borrower. 9.19.18 - Clayton has reviewed clients response and rental history as required has been provided.

9.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX

0756969189

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

The XXX , and the 1120s from XXX Missing from file for borrower 1. Do not see file extension in file for B1 2017.

9.19.18 - Client responded. XXX extension for B1 attached. 9.19.18 - Clayton has reviewed and 2017 extension provided as required.

9.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX

0756969189

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3124

Loan documents do not meet guideline requirements

No

Per lender Guideline: One full appraisal completed by a certified appraiser and a Residential Valuation Services (RVS) Desk Review. Appraisal is in file, missing Residential Valuation Services (RVS) Desk Review.

9.19.18 - Client responded. Property and Appraisal Risk Analysis attached. 9.19.18 - Clayton has reviewed clients response and review provided as required by guidelines.

9.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX

0756969189

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

9.20.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX

0757076519

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0757204988

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 38%.

0757204988

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 38%.

0757534570

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $103,779.92 in reserves or 22 months supported with XXXXX, XXXXX and XXXXX 401k statements in file. 6 months required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX mid-score; 640 min required. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  XXX months of XXX consumer credit history; XXX months required.

0758609394

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID4243

TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts

No

CD: XXX, Section: Summaries of Transactions, Field: Cash to Close Total, CD Value: XXX system calculation is XXX. Difference is $XXX. PCCD 7.12.18, Section Summaries of Transaction , Field Cash to Close Total is corrected. Exception satisfied.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history reviewed XXX month with 0x30.

0758609394

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.13.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.20.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history reviewed XXX month with 0x30.

0758660317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX [Last CD], PC CD XXX and  PC CD XXX. Other Costs, H- Other, Title Owner's Title Insurance is missing the Payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of 80%.

0758660317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has 2 active tradeline. Minimum required per guidelines is 3.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of 80%.

0758660317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.31.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.3.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX

8.3.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of 80%.

0760099635

XXXXXX

NM

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $530,681.21.  Final CD reflects required funds to close, $106,137.84.  Guidelines require reserves of $28,219.59.  Post close reserves $396,323.78. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has XXX years XXX same line of work.  Borrower 2 has XXX  years same line of work.

0760396515

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked with employer for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months in reserves.

0760744981

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0761345254

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $578279.25 or 77.66 months which exceeds minimum requirement of 6 months.

0762320006

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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 fee or fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $ XXX Recording Fees CD dated XXX.

8.23.18 - Client responded. Agree. The Recording Fees increased to $XXX on consummation CD issued XXX; however, the 3 day re-disclosure timing was not met. The date of knowledge was XXX . There was a $XXX Over Tolerance Credit in Section J of the consummation CD; however, it was applied to the increase in the Credit Report. The borrower would be due an additional refund in the amount of $XXX  Refund to the borrower of $XXX and new CD reflecting the $XXX additional over tolerance credit is required to cure the defect.  Remediation request in process XXX. 8.23.18 - Exception remains. 9.4.18 - Client responded. "Disagree with investor. The Recording Fees were disclosed as $XXX on the Loan Estimate issued XXX and increased to $XXX on the post-consummation CD issued XXX. There is an Over Tolerance credit in Section J of the post-consummation CD in the amount of $XXX to cure the XXX% over tolerance increase of $XXX in Recording Fees and the 0% over tolerance increase of $XXX in Credit Report Fees. No additional refund due to the borrower per Fee Tolerance review.  Copy of post-consummation CD is attached.  This is not a testing defect so no corrective action is required. 9.4.18 - Clayton has reviewed clients response and PCCD dated XXX has been provided and reflects reduction in recording fee from final CD to $XXX and lender credit for tolerance of $XXX of which $XXX covers the recording fee tolerance issue.

9.4.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $128,581.67 or 36.90 months PITIA.

0762320006

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Guidelines require a minimum of 3 active tradelines. Borrower has one open trade line.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $128,581.67 or 36.90 months PITIA.

0763977636

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Qualifying credit score is XXX. Required minimum per guidelines is 680. Lender Exception for minimum credit score. Qualifying credit score is XXX. Compensating factors: Cash reserves exceed guidelines, Positive mortgage payment history and current line of work for XXX years.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds required minimum guideline of XXX months. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower mortgage payment history at current residence covers XXX months with zero reported lates. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years.

0764157893

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $151,050.26 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0764836799

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Borrower qualified with gift funds of $XXX.  Gift letter and evidence $XXX was received by borrower was not located in file.  Evidence of $XXX being transferred to borrower was located in file however evidence of $XXX being received by borrower was not located in file. Provide fully executed gift letter and evidence of borrowers receipt of gift in amount of $XXX.

7.30.18 - Client responded. Gift Letter requirement was waived by a Lending Officer. Donor is the non-borrowing spouse (XXX) who will be taking title along with the borrower. Statements were obtained to document seasoned (acceptable) assets. Only evidence of $XXX was documented from XXX to XXX (of the $XXX which significantly exceeded the required funds to close. These funds were only used for cash to close and not calculated to meet the reserve (PCL) requirement. Supporting documents attached   7.30.18 - Clayton has reviewed clients response and documents provided support cash to close and reserves.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $358,997.50.  Final CD reflects required funds to close, $XXX.  Evidence the $20,000.00 earnest money deposit reflected on Final CD was not located in file.  Deducted from available assets to determine post close reserves. Guidelines require reserves of $33,423.48.  Post close reserves $154,518.06. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0765931251

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, well below 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves equal $118,363.02 or 37.19 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score is XXX, exceeds min credit score requirement of 70

0765931251

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX [Last CD], Section: Summaries of Transactions (K) Line 11 the dates are not listed.  Please provide the dates or move the fee up to Line 05-07.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, well below 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves equal $118,363.02 or 37.19 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score is XXX, exceeds min credit score requirement of 70

0766191276

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0766383717

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX. Borrower XXX score is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  68 months reserves

0768591242

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Credit/Mtg History

Active

D

B

D

B

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Initial XXX is showing current rent expense of XXX and an LOE signed/dated by borrower stating that she was renting in XXX. This California address is also listed on credit report. Missing a XXX for XXX  evidencing XXX.

8.23.18 - Client responded. Per Underwriter due to compensating factors, discretion was applied and VOR request waived. System notes: XXX (XXX) -XXX: LOE PROVIDED FROM THE BORROWER REGARDING THE ADDRESS VARIATION NOTED ON BANK STATEMENTS. THE BORROWER CURRENTLY HAS AN APARTMENT IN XXX AND THUS THE REASON TO PURCHASE A HOME VERSUS CONTINUE TO RENT. THE AMOUNT WAS NOT USED TO QUALIFY AS THE LOE STATES THAT THE LEASE WILL END AND NO LONGER BE A FACTOR ONCE THE HOME IS CLOSED. DISCRETION WAS USED SURROUNDING THIS BY THE UW AND NO FURTHER DOCUMENTATION WAS REQUESTED. 8.23.18 - XXX has reviewed clients response. Underwriting notes found in file This was not made as a lender exception but waived by underwriter with compensating factors and based on LOE from borrower. Considered non material.

8.23.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX MAX XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  min fico XXX mid fico XXX

0771606420

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

Right of Rescission

Active

B

B

B

B

CMPROR1911

Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor

No

Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a ‘substantially similar notice.’  Clayton’s view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the ‘substantially similar notice’ argument.  The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 40%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $524,990.73 or 115.84 months PITIA, guidelines required 9 months PITIA.

0771606420

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

LTV/CLTV

Active

B

B

B

B

CRDLTV3030

CLTV Exceeds Guideline Requirement by less than 5%

No

Lender approved exception exceeding CLTV Guideline Requirement of XX%. Lender approved CLTV at XXX%, exceeding guidelines by X.XXXX%. Compensating factors include XX months reserves and high disposable income.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 40%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $524,990.73 or 115.84 months PITIA, guidelines required 9 months PITIA.

0771606420

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Lender approved exception to guidelines to allow Cash Out refinance to be treated as a Rate Term Refinance due to buyout of person on title. Borrower is taking cash out to payoff a separated wife per HLU notes and signed letter from borrower and XXX in file.  Compensating factors include 40 months reserves and high amount of disposable income.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 40%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $524,990.73 or 115.84 months PITIA, guidelines required 9 months PITIA.

0773032528

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4342

TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Adjustments and Other Credits but Did This Change? = Yes

No

CD XXX and XXX Calculating Cash to Close Section Adjustments and Other Credits is $XXX in LE field and $XXX in Final; Did this change? is marked yes, not true change since LE estimated

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $275,543.81 or 73.11 months PITIA, guidelines required 12 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0773032528

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

N/A

B

N/A

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

All CD's, Other Costs Section E line 1 for recording fees include a $XXX Natural Hazard Report fee which should be in section H and not E.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $275,543.81 or 73.11 months PITIA, guidelines required 12 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0773032528

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

XXX% fees increased above tolerance; Need refund check to borrower in the amount of $XXX, LOX, and proof of delivery to borrower; zero tolerance was cured on final CD, $XXX  of XXX% tolerance cured, $XXX remains

8.6.18 - Client responded. Disagree. Ten percent baseline on initial LE issued XXX (001) included Recording Fees in the amount of $XXX  Recording Fees increased to $XXX on the CD issued XXX (006). It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. XXX percent fees increased in the amount of $XXX therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of consummation CD issued XXX (007) to cure variance in XXX % tolerance category. This is not a testing defect so no corrective action is required. 8.6.18 - Clayton has reviewed clients response. Adjusted for Natural Hazard report fee and no tolerance issue. Additional exception fired as this fee is in the wrong section of CD.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $275,543.81 or 73.11 months PITIA, guidelines required 12 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0773381066

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Final CD XXX Costs section, XXX /Deed portion one of the items is required to have a fee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Loan has 0x30 days late on consumer history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months in cash reserves $XXX

0774505168

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $532,861.38 or 81.24 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0775536437

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

B

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception – Non HFI 3 mo Short Liquid PCL reduction by $XXX(XXX month.) No additional notes, Comp Factors:  high level of residual income after all monthly debt considered.  Low front ratio ensures housing is most option in event of economic stress/life changes.  Long term employment.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $post close reserves of $1,266,886.45.  Reserves required are 18 months PITIA  = $63328.14. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0775536437

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.19.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.1.18- A Field Review was received with a reported value of XXXwhich supports the original appraised value of $XXX

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $post close reserves of $1,266,886.45.  Reserves required are 18 months PITIA  = $63328.14. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0775992907

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0776270039

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD dated onXXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Section: Calculating Cash to Close, Field: System Calculation, Value is listed as XXX. Values do not match. Should be a positive number or XXX/Blank.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $119,708.43 or 20.24 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.

0776270039

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE dated on XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value listed as XXX and should be a positive number or XXX/Blank if negative.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $119,708.43 or 20.24 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.

0776270039

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

N/A

B

N/A

B

CMPTRID4340

TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

CD dated XXX Closing costs financied reflected as negative number and should be positive or XXX/Blank if a negative number.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $119,708.43 or 20.24 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.

0776853802

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX; Calculation, Value: XXX. Values do not match. The difference is XXX POC's.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 Job tenure of XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 job tenure of XXX years

0776853802

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Lender exception for DTI of XXX which exceeds XXX max DTI allowed. Compensating factors are low CLTV of XXX, excess reserves and additional bonus income not being used.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 Job tenure of XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 job tenure of XXX years

0776853802

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Lender made exception for allowed cash out dollar amount. Compensating factors are low CLTV of XXX, excess reserves and additional bonus income not being used.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 Job tenure of XXX years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 job tenure of XXX years

0777720574

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0779537352

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0779774590

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing documentation from employer stating borrower relocation to XXX.

8.21.18 - Client responded. See attached underwriting notes notating the relocation to XXX, paystub from XXX, and paystub from XXX. Paystub from XXX shows borrower paid from XXX office and paystub from XXX from the XXX office (where borrower was relocated to). 8.21.18 - XXX has reviewed clients response and underwriting notes explain relocation of borrower and supports paystubs from XXX and XXX.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX. Current score XXX CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of XXX years

0779999854

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Missing XXX party fraud report.

7.17.18- Client responded. Attached find the Third Party Fraud Report that was not in the delivered PDF. 7.17.18 - XXX has reviewed and Fraud Report has been provided as required.

7.17.18 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post closing cash reserves of $451,522.62 which exceeds required reserves of 6 months PITI or $19,495.02.

0780849884

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX and CD XXX: Loan Costs (A) Appraisal fee is missing Payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $105,777.58 or 16.94 months PITIA

0782622048

XXXXXX

DE

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.16.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX.

8.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX/XXX with XXX for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has lived in primary residence for the past XXX years.

0785569992

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX and CD: XXX,Section: Loan Costs: (B) - Missing XXX name for XXX.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,923,997.18 or 541.47 months PITIA, guidelines required 9 months PITIA.

0785569992

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

XXX - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered.

7.27.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.

7.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,923,997.18 or 541.47 months PITIA, guidelines required 9 months PITIA.

0788164452

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX below maximum XXX guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0788620379

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $689,960.50  verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX  DTI is below guideline requirement.

0789783978

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0790283946

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CB w/same employer XXX plus years. CFCFS2860: Good credit history - Clayton Comments:  Both borrower have XXX credit/mortgage history

0790331614

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $155,302.79 or 57 months which exceeds guideline requirement of 6 months.

0790462945

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0790952202

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Property Valuations

Property

Active

B

B

B

B

PRVAPROP241

Property Type unacceptable under guidelines

No

UW Decision summary form indicates an exception was approved to allow property type of "A" Frame on a 2nd home; with a low LTV of approximately XXX on primary residence and established employment for XXX & XXX years respectively the exception is non material

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been with same employer for XXX yrs

0791655629

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $187,975.10 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX DTI is below guideline requirement.

0792095185

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception: Reserve requirements - borrower is short XXX months of PCL. Comp Factors: Credit score of XXX; credit depth since XXX. Housing history timely. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0792703684

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX XXX moved section XXX fees to Section XXX without including the PAYEE...this was corrected on subsequent CD's. Exception satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified 185 payments in reserve after closing. CFCFS2860: Good credit history - Clayton Comments:  Borrowers credit report reflect no derogatory.

0792703684

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

Recording fees increased outside of tolerance without a COC or cure.

8.8.18 - Client responded. Agree. The Recording Fees increased from XXX to XXX on initial CD 004 issued XXX without a valid reason. There was no Over Tolerance verbiage disclosed in Section XXX of the Closing Disclosure. There would be a refund due to the borrower in the amount of XXX. On XXX, consumers were sent a corrected CD, cover letter and check for XXX as corrective action to cure defect. Copy of cover letter, check and corrected CD are attached. 8.8.18 - XXX has reviewed clients response and corrected CD, letter to borrower and check for XXX to correct error have been provided.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified 185 payments in reserve after closing. CFCFS2860: Good credit history - Clayton Comments:  Borrowers credit report reflect no derogatory.

0794447566

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE XXX and LE XXX: NMLS and Contact Information Section, State for State License ID is missing for the Loan Officer. CD XXX corrects error, exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post cash reserves in the amount of $63,296.29; Subject PITI is $5,010.72; 12.63 months PITI in reserves.

0798170138

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage reviewed XXX months XXX days late. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO score XXX.

0798850220

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0799232040

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.30.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX.

8.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with almost XXX years in current position. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have a good credit history with zero late payment.

0799252061

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Loan has a XXX LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX.

0799834078

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0800168035

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $586,582 or 133.79 months which exceeds minimum required of 12 months.

0800261886

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC225

Missing Rider

No

Missing copy of Condo Rider

8.15.18 - Client responded. Condo Rider attached 8.15.18 - XXX has reviewed clients response and Condo Rider provided as required.

8.15.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 mo piti required, 59,702.76, borrower has 315,033.77 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI allowed is XXX, DTI is at XXX

0801362810

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Insufficient hazard insurance amt. of XXX which includes the XXX extended coverage does not meet min. of loan amt. XXX or cost to rebuild per appraisal XXX. Missing proof of guaranteed replacement coverage or verbiage. Insurance company not found on list provided by Lender.

8.6.18 - Client responded. Insurance coverage is sufficient per lender guidelines. XXX insurance binder was provided and a verbal verification was obtained from the insurance agent confirming replacement cost coverage. See insurance binder and lender's verbal verification attached. 8.6.18 - XXX has reviewed the clients response and HOI documentation provided reflects sufficient coverage as required.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  There are 56.52 months in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current ratio is XXX.

0801362810

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support appraised value of XXX

8.1.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  There are 56.52 months in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current ratio is XXX.

0802153807

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

XXX XXX tolerance due to increase in discount fee and extension fee without a valid CoC. Requires corrected PCCD, copy of refund check, LOX and verification sent to borrower.

7.20.18 - Client responded. Disagree. The XXX figure cited by the investor is broken down into XXX fees; XXX Tax Service fee, XXX Discount Points and XXX Extended Lock fee. The XXX Tax Service fee and XXX Discount Points were lender paid on the Final CD so no corrective action is required. Extended Lock fee of XXX (later reduced to XXX on the Final CD) was added to the LE issued XXX (XXX). The fee was added with a valid change circumstance of lock status change. The increase was approved in the origination system RESPA Changed Circumstance History screen and the disclosure was sent within timing. This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screenshot attached. 7.20.18 - XXX has reviewed clients response and internal document to support COC was provided to borrower has been obtained. Although Tax Service Fee and Discount Points were not designated on final CD without (XXX) based on lenders attestation the fees are lender paid.

7.20.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $502,005.12, which is 58.64 months of PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX. Actual DTI is XXX.

0802625466

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC3204

Income Documentation Missing

No

Exception Request per UW Decision Summary states brw receives XXX, XXX years tax returns only, per brw, no agreement as XXX were inherited. Due to compensating factors of low DTI, low LTV and XXX times the reserves required this is non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower as been XXX employed for over XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been at current job over XXX years and in current profession for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX is below guideline maximum of XXX.

0803011450

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0804371245

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with XXX years in his position. CFCFS2860: Good credit history - Clayton Comments:  Borrower has XXX credit history with XXX credit usuage. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a low DTI at XXX.

0806512647

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered.

8.2.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.

8.2.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post-closing assets in the amount of $648,511.68, which is 189.68 months of PITIA in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX. Actual DTI is XXX.

0810065078

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Guidelines require XXX (XXX) most recent years W2's to support employment history. XXX W2 for prior employment or W2 transcript from XXX was not located in file. Provide either XXX W2 or XXX Wage transcript for review. Hire date appears to be XXX per VVOE dated XXX.

8.8.18 - Client responded. Per lender guidelines, borrowers reentering the workforce after an absence of XXX, the borrower's income may be used to qualify if the borrower has been at the current employer for a minimum of XXX months and can document a XXX-year work history prior to an absence from employment. Borrower was employed at XXX from XXX - XXX was a homemaker from XXX - XXX then took a XXX position at XXX XXX XXX. W2's for XXX, XXX and XXX (XXX), XXX W2 and VOE XXXXXXX attached. 8.8.18 - XXX has reviewed clients response and documents in file support income and guidelines used for determining income for borrower.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $250,130.42.  Final CD reflects required funds to close, $127,815.27 plus $6,400.00 earnest money. Earnest money deposit was not verified in file and has been deducted from available reserves.  Guidelines require mos. reserves of $29,629.08.  Post close reserves $86,286.07.

0810065078

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Guidelines require XXX (XXX) most recent years W2's to support employment history. XXX W2 for prior employment or W2 transcript from XXX was not located in file. Provide either XXX W2 or XXX Wage transcript for review. Hire date appears to be XXX per VVOE dated XXX.

8.8.18 - Client responded. Per lender guidelines, borrowers reentering the workforce after an absence of XXX months or more, the borrower's income may be used to qualify if the borrower has been at the current employer for a minimum of XXX months and can document a XXX-year work history prior to an absence from employment. Borrower was employed at XXX from XXX - XXX was a homemaker from XXX - XXX then took a XXX position at XXX XXX. W2's for XXX, XXX and XXX (XXX), XXX W2 and VOE XXX attached. 8.8.18 - XXX has reviewed clients response and documents in file support income and guidelines used for determining income for borrower.

8.8.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $250,130.42.  Final CD reflects required funds to close, $127,815.27 plus $6,400.00 earnest money. Earnest money deposit was not verified in file and has been deducted from available reserves.  Guidelines require mos. reserves of $29,629.08.  Post close reserves $86,286.07.

0811586104

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $643,264.00 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX DTI below guideline requirement.

0811910087

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted. Section XXX. Employment Verification Fee and Verification Fee the payee says TBD. Corrected on Last CD dated XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $411,724.80 or 46.40 months PITIA, guidelines required 9 months PITIA.

0812037708

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $167,948.68 in post-closing reserves, which is $90,168.27 more than the guideline required amount of $77,780.41, or 30 months in reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required.

0815629093

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0815631913

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has verified cash reserves of $07,918.06 or 77.41 months PITIA

0818233854

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceed minimum required per guidelines of XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years, XXX months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX is less than maximum allowed per guidelines of XXX.

0818310724

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0819811966

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing copy of MTG/DOT for subject transaction on XXX; Copy in file is dated XXX

8.14.18 - Client responded. Attached find the final Security Instrument dated XXX. 8.14.18 - XXX has reviewed clients response and Mortgage provided as required.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has owned current company for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0819811966

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: XXX Calculation, Value: XXX. Values does not match.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has owned current company for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0819811966

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4340

TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX, this is disclosed as a negative number, should be positive.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has owned current company for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0819811966

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: XXX, is disclosed as a XXX number, should be XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has owned current company for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0819811966

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Per UW Decision Summary the lender approved the following exception(s) to policy: Post Close Liquidity - Penalty Free Access Exception to allow funds from penalty free retirement account for PCL. Risks: Short liquid PCL, using penalty free retirement assets to meet PCL. Compensation Factors: Stable employment for brw XXX with XXX years, minor increase in housing of XXX/mo with demonstrated ability to manage pmt- Conservative use of revolving accts- Residual income of XXX/ mo - potential for increased earnings withXXX pension income of XXX per month not considered & potential for income from XXX XXX income (has history in same line of work) - additional net retirement funds of XXX not considered. PCL meets/exceeds guidelines at XXX mos vs. required XXX mos when penalty free retirement funds are used -With strong net equity in subject property, low LTV/CLTV, credit score exceeds guideline and significant time in profession Non Material Exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has owned current company for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

0820083233

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Loan Amount XXX. Homeowners declaration page indicates XXX dwelling coverage with a XXX extended replacement coverage (XXX) total coverage XXX. Appraiser did not perform a Cost Approach. Estimated value of the land unknown. Insurance Company not listed on list provided by Lender.

8.8.18 - Client responded. Insurance coverage is sufficient; Homeowners 3 Special Form (HO3). Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. Policy attached. 8.8.18 - XXX has reviewed clients response and HOI provided reflecting correct coverage.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Approximate XXX months payments required. Borrowers have XXX payments in reserves

0820583551

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception: Condo Project in Litigation Comp Factors: Excellent mortgage history XXX dating back to XXX. Strong asset profile. Owns primary residence free and clear.

8.14.18 - Client responded. XXX approved exception; Condominium - Litigation. Exception approved under the PCO delegated authority. 8.14.18 - XXX has reviewed clients response and this was a lender exception with compensating factors therefore non material.

8.14.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $173,679.21.  Reserves required of $73,646.64(18 x $4,091.48).  $2,066,496.49  remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has more than XXX years at current job

0820746499

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers untimely dated XXX and application date of XXX not within 3 business days as required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $143862.20, or over 42 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, below max of 43%.

0820746499

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX. Difference is POC of XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $143862.20, or over 42 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, below max of 43%.

0820746499

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP177

Property Issues Indicated

No

Completion Cert (Form 442) dated XXX states improvements have not been completed. Exterior painting XXX and driveway paving XXX is not complete. The lower level ADU is not completed per the requirements of the original appraisal. This area is in need of finish in the bathroom, completion of drywall finish and paint, completion of lighting and flooring and completion of the kitchenette. The estimated cost to complete this area is XXX.

8.28.18 - Client responded. Owners Notice of Completion attached indicating that on XXX, work was completed on the construction, alteration, or repair of the building or improvements located thereon by XXX, the original contractor. 8.28.18 - XXX has reviewed clients response and Notice of Completion provided.

8.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $143862.20, or over 42 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, below max of 43%.

0822001214

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX year employment stability

0822132971

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0822982384

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $1,598,952.25, after closing cost assets are $820,190.90 [82.35 months PITI].

0823231210

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

8.24.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX is below max LTV of XXX. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history is XXX, past XXX months.

0823322421

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $195,918.99.  Final CD reflects required funds to close, $121,358.90. Evidence the $15,000.00 earnest money deposit reflected on Final CD was not located in file.  Deducted from available assets to determine post close reserves. Guidelines require reserves of $27,646.47.  Post close reserves $31,913.62. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI XXX below program requirement XXX.

0823345828

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.31.18 - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered.

8.6.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at XXX is over XXX points lower than the max DTI of XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV at XXX is over XXX points lower than the allows LTV/CLTV at XXX.

0824398569

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

cd XXX: calculating cash to close screen: closing costs financed paid from your loan amount) total of XXX does not equal XXX calculation total of XXX. Difference is XXX which is the paid before closing total.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job- XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months. Borrower has 50 monthls

0825690565

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0827067999

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan requires 12 mo reserves.  Borrower has reserves of $212,914.99, or over 42 months PITI. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has paid mortgage on time for XXX months.

0828523608

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0829835279

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX exceeds program requirement XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $4,331,586.99.  Final CD reflects required funds to close, $174,938.06.  Guidelines require reserves of $44,044.92.  Post close reserves $4,112,604.01.

0833182988

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Mid Fico XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX

0833391569

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Assets

Active

C

B

C

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception for short reserves: Verified reserves of $XXXXX.XX are insufficient for required X.XX months reserves of $XXXXX.XX. Short post close reserves of X.XX mos. Min required per guides =X.XX mos. Verified X.XX mos. Compensating factors are low DTI prior mortgage history of XXX years paid as agreed and income from XXX not being used to qualify.

8.9.18 - Client responded. Lender approved a tracking exception to allow a XXX reduction to lender's PCL requirements on XXX. Exception was approved due to compensating factors noted. 8.9.18 - XXX has reviewed clients response and based on compensating factors considered non-material.

8.9.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years current job time CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX Max XXX

0833391569

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Legal Documents

Active

D

B

D

B

CRDLGL100

Legal document incorrect or incomplete

No

Subject property address is incorrect on the following legal documents: Note, Mortgage, Flood cert., final 1003. Currently reads as: XXX. Should read: XXX as per Title in file

8.9.18 - Client responded. The word 'XXXXXXX' was erroneously repeated in the property address field of the lender's system of record. As a result, loan documents generated by lender reflect an incorrect property address. The Legal Description Exhibit A in the recorded mortgage reflects the correct property address of XXX. Copy of mortgage document attached. 8.9.18 - XXX has reviewed clients response. As this was an apparent doc system issue and title reflects correct address this is considered non-material.

8.9.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years current job time CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX Max XXX

0833474932

XXXXXX

RI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

B

A

A

C

B

D

A

Compliance

Municipal Consumer Protection

Satisfied

D

A

D

A

CMPMUCP1463

XXXXXXX - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file

No

Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file.

7.30.18 - Client responded. Unable to procure However this Disclosure was not on the state disclosure list and it appears this was not required document . 7.30.18 - XXX has reviewed clients response and per XXX not a required document.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX

0833474932

XXXXXX

RI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

B

A

A

C

B

D

A

Compliance

State Consumer Protection

Satisfied

D

A

D

A

CMPSTCP1297

RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file

No

XXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file.

7.30.18 - Client responded. Duplicate -Unable to procure. However this Disclosure was not on the state disclosure list and it appears this was not required document . 7.30.18 - XXX has reviewed clients response and per XXX not a required document.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX

0833474932

XXXXXX

RI

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

C

A

D

A

D

B

A

A

C

B

D

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.3.18 - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered.

7.30.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX

0834096936

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

$XXX refund due to increase in appraisal report without a valid reason at or prior to closing. No XXX was provided and was not listed on Change of Circumstance spreadsheet.

8.1.18 - Client responded. "Disagree. The LE issued XXX disclosed an increase in the Appraisal fee in the amount of $XXX, with a valid Change Circumstance reason of an additional appraisal being required due to the expiration of the original, and meets XXX day timing.  Copy of Changed Circumstance is attached.  This is not a testing defect so no corrective action is required. 8.1.18 - Clayton has reviewed clients response and XXX provided for increase as required.

8.1.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Bonus income on XXX VOE not included in income CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years XXX months on current job

0834483262

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

A

C

B

B

B

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3564

TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file

No

LE: XXX, The LE has been re-disclosed but without the reason(s) for the re-disclosure documented sufficiently in file. Price range protection confirmation found in file showing the changed loan amount and interest rate but cannot confirm within XXX days of re-disclosure. Disclosure tracking not in file.

7.26.18 - Client responded. Disagree. XXX cited Loan Estimate provided on XXX had been re-disclosed but without the reason(s) or sufficient documentation in file.  On XXX, loan was Price Protected with loan locked at an interest rate of XXX%; loan amount increased to $XXX. Copy of the origination system Pricing History screen shot confirming the price protection (rate lock) and changed loan amount is attached.  This is not a testing defect so corrective action is not required. 7.26.18 - Clayton has reviewed clients response and rate lock provided to support reason for subsequent LE.

7.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX month in reserves.

0834483262

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

A

C

B

B

B

A

A

C

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception:  Insufficient Credit and cash payment rental history with no proof of payments. Letter from landlord provided to verify on time rental payments as well as compensating factors of low DTI and double reserves required therefore non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX month in reserves.

0834541058

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job- XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 105 months of reserves

0835839159

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Number of trade lines does not meet guidelines requirements. Guidelines requires XXX tradelines, Borrower number of tradelines is XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $141,131.08 or 28.20 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0835839159

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Guidelines requirements is VVOE within XXX days of closing. Verbal Verification of employment dated XXX for Borrower and XXX for Co Borrower, Loan closing date is XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $141,131.08 or 28.20 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0836125019

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX median score

0836885129

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4262

TRID - CD: The Total Closing Costs (J) value in the  LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number

No

The Total Closing Costs (J) value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number. This number should be displayed as a negative number, A revised CD with LOX and verification both were sent to borrower required.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on current job since XXX.

0836885129

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4376

TRID - CD: The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number

No

The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number This number should be displayed as a negative number, A revised CD with LOX and verification both were sent to borrower required.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on current job since XXX.

0836885129

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID4239

TRID - CD: The CD Calculating Cash to Close (Alternative Version) CD column total does not equal its component parts

No

Data inputs match those provided on CD. Corrected on PC CD dated XXX. Exception satisfied

7.23.18 - Client responded. Agree.   The CD Calculating Cash to Close (Alternative Version) CD column total does not equal its component parts.  Corrected CD was sent to the consumer XXX.  No further corrective action is required. 7.23.18 - Clayton has reviewed clients response and exception was satisfied with PCCD dated XXX.

7.23.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on current job since XXX.

0836885129

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID4264

TRID - CD: The Closing Costs Paid Before Closing value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

The Closing Costs Paid Before Closing value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. Corrected on PC CD dated XXX. Exception Satisfied

7.23.18 - Client responded. Agree.  The Closing Costs Paid Before Closing value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number of $XXX instead of a positive number.  Corrected CD was sent to the consumer XXX.  No further corrective action is required. 7.23.18 - Clayton has reviewed clients response and exception was satisfied with PCCD dated XXX.

7.23.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on current job since XXX.

0836885129

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Application

Satisfied

D

A

D

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

The orig file does not contain a third party fraud report.

7.17.18 - Client responded. Attached find the Third Party Fraud Report that was not in the delivered PDF. 7.17.18 - Clayton has reviewed and Fraud Report provided as required.

7.17.18 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job since XXX. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on current job since XXX.

0838612020

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Per UW decision summary form the lender approved an exception to policy for length of mortgage/rental history (insufficient) Lender made an exception for the rental history (borrower lived with relative for XXX months). With residual income of XXX, low revolving debt & over XXX years in current profession. Non Material Exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. Coborrower score is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% is below XXX% max for loan

0839645185

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0842346846

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD dated XXX, Closing Costs Financed (Paid from your Loan Amount) reflects $XXX. The actual total is $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of XXX% is XXX% less than required XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX.

0842528024

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0843284060

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $362,457.82 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0843476446

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX% is below the maximum  allowable LTV of XXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX%; max allowable is XXX%.

0844111679

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $198,793.03 in post-closing reserves, which is $156,536.27 more than the guideline required amount of $42,256.76, or 56 months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

0846187492

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Recording Fees are not itemized . Corrected on CD Issued XXX. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $189,693.33 or 43.80 months PITIA, guidelines required 9 months PITIA.

0850050609

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

List of Providers delivered on XXX and there is an application date of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower has been with current employer for almost XXX years. Paystubs in file from XXX - YTD XXX show a consistently increasing annual bonus is received. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is below guideline maximum of XXX%.

0852693617

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Missing Notary Status from signed Deed of Trust.

8.21.18 - Client responded. See attached Mortgage/DOT with Notary page 8.21.18 - Clayton has reviewed clients response and Notary page has been provided.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,008,753.14 or 74.58 months PITIA, guidelines required 9 months PITIA.

0852693617

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

1. CD: XXX, Section: Calculating Cash to Close contains formatting that does not comply with the Regulation due to Adjustments and Other Credits - Change Reason is missing. Satisfied on PCCD XXX, # XXX & XXX. 2. CD: XXX, Section: Other Costs contains formatting that does not comply with the Regulation due to F. Prepaids - Homeowner's Insurance missing payee and H. Other - Natural Hazard Disclosure/Report missing payee. 3. CD: XXX [Last CD], Section: Other Costs contains formatting that does not comply with the Regulation due to  H. Other - Natural Hazard Disclosure/Report missing payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,008,753.14 or 74.58 months PITIA, guidelines required 9 months PITIA.

0853252601

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $71,597.67 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0853451215

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX- Section Calculation Cash to close; Closing Costs Financed value $XXX Clayton calculated value $XXX. The difference is the POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $951,487.03 or 284.59 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX%; max allowed per guidelines is XXX%.

0853493505

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.18.18 - A Desk Review was received with a reported value of XXX0 which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence for XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  57 months of reservers

0855089407

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Non Numeric Error CD XXX and XXX:  Other Costs – Section E – recording fees are not itemized.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below XXX% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

0857682927

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  borrower has paid on time for over XXX months

0858597185

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 has bonus income documented on paystub not used in income CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has over XXX years on current job

0858831854

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0859006934

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower has XXX open trade lines, which less than guideline minimum of XXX trade lines.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX, for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  History of satisfactorily maintaining similar level of housing expense.

0859006934

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Lender exception made for XXX One - A single entity which is the project's original sponsor is the owner of XXX of the XXX units in the project or XXX%, which is greater than the maximum XXX%. Compensating factors include XXX years with current employer, low DTI of XXX%, high residual income and reserves well over what is required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX with XXX, for the past XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  History of satisfactorily maintaining similar level of housing expense.

0860257579

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $94,081.52 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0860714860

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $180,659.00 or 38.04 months ( 12 months required) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX, Min XXX.

0861025234

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $63,680.47 or 20.01 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

0862155272

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

Initial CD XXX, Other Costs, Section F  - Payee missing for Homeowners Insurance Premium. Corrected on subsequent CD dated XXX. Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job XXX years XXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 31 months

0863141973

XXXXXX

OH

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD issued on XXX, under the Summaries of Transactions section K, has a date improperly formatted for Assessments under Adjustments for Items Paid by Seller in Advance.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have XXX years XXX months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit.  Copy of check in file however written after statement end dates.  Earnest money funds deducted from available reserves. Guidelines require reserves of $59,825.40.  Post close reserves $291,884.06.

0863141973

XXXXXX

OH

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Documentation to validate the Time Share Maintenance expense of $XXX used to qualify was not located in file. Provide satisfactory documentation to support the expense used to qualify.

8.8.18 - Client responded. Documentation to validate the time share maintenance expense used to qualify attached. The annual maintenance fee was $XXX / XXX = $XXX monthly. 8.8.18 - Clayton has reviewed clients response and documentation provided to support maintenance fee debt.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have XXX years XXX months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit.  Copy of check in file however written after statement end dates.  Earnest money funds deducted from available reserves. Guidelines require reserves of $59,825.40.  Post close reserves $291,884.06.

0863332801

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XXX, Section : Other Cost H. Is missing payee for Sewer Lateral fee. Exception corrected on subsequent Final XXX. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX yrs.

0863332801

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

XXX A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX yrs.

0865728848

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  B1 has XXX years in same profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%

0865862600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX AND Field: Clayton Calculation, Value: XXX, Difference is POC's of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX.

0865862600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC126

Length of employment/self-employment does not meet guidelines

No

Provide evidence of XXX% ownership of XXXX and XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX.

0865862600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Legal Documents

Active

B

B

B

B

CRDLGL100

Legal document incorrect or incomplete

No

Lender Exception for Cash Out on Owner Occupied XXX. Exception for Unacceptable property type. Cash Out on XXX units; primary residence located in XXX. Compensating Factors: XXX% of the properties within XXX mile radius of subject are XXX units.. it is typical & common for the area; paying off existing XXX HELOC $XXX(opened XXX) then modifying from $XXX to $XXX re-subordinating  housing payment, decreasing  from $XXX/month to $XXX/month subject was acquired XXX/XXX, total  of XXX properties owned (primary + XXX rentals), only XXX financed, XXX aggregate financing= $XXX, customers are XXX & both are XXX. XXX using rental income to qualify... property was listed on both XXX and XXX tax returns for XXX days each.. customer has at least XXX years of XXX experience; strong overall XXX profile... low LTV/CLTV, strong reserves, strong equity in real estate owned, strong gross retirement savings, strong residual income, minimal revolving debt/use/no installment debt, existing XXX customer, long term employment profession, fixed product. ATR met. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX.

0867284006

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

9.12.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

9.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $1,850,855 in reserves, borrower needs $64,360.80 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed XXX%, loan closed at XXX%

0867751689

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4147

TRID - Closing Disclosure; Optional designation missing from optional insurance product

No

CD: XXX, Section: Other Fees, Field: H. Other, line XXX, optional designation missing from borrower paid Home Warranty fee.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX%, which is XXX% less than the guideline max of XXX% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $427,448.43 in post-closing reserves, which is $351,578.35 more than the guideline required amount of $75,870.08, or 67 months in reserves CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage payment history is for XXX months; exceeds XXX months.

0867904980

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $925,255.01.  Final CD reflects required funds to close, $487,818.49 plus $10,000.00. Documentation to verify $10,000.00 earnest money was not located in file.  Funds were deducted from available reserves. Guidelines require reserves of $42,563.43.  Post close reserves $384,873.09.

0867932150

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 VOR and/or cancelled checks for borrower's previous residence verifying sufficient rental/mortgage history. Borrower recently purchased subject property in XXX.

8.21.18 - Client responded. VOR for borrower's previous residence attached. This was a cash XXX loan from purchase XXX on subject property XXX. Borrower paid all cash for the property. Settlement statement attached. 8.21.18 - Clayton has reviewed clients response and credit supplement verifying rent for pervious residence provided.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves  over $XXX

0867932150

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Lender is missing the CD for the sale of property located at XXXs Ave showing a pending sale on the 1003 and excluding from the ratios. Provide the CD from closing.

8.21.18 - Client responded. Property located at XXX was pending sale (sold after close). This property was owned free and clear. Property taxes and insurance were included in the ratios.   8.21.18 - Clayton has reviewed clients response and although sold after subject closed the Settlement Statement verifies there was no lien against the property and it was free and clear outside property taxes and HOI.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves  over $XXX

0867932150

XXXXXX

MN

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Lender is missing the VOR history for the last 12 months at XXX. Final 1003 indicates that borrower previously rented there for XXX plus years.

8.21.18 - Client responded. VOR history at XXXXXXX (previous residence) attached. 8.21.18 - Clayton has reviewed clients response and credit supplement verifying rent payment for XXX months provided.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified cash reserves  over $XXX

0868383880

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for the past XXX years XXX months.

0869393649

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves verified exceeded guidelines by 62 month of PITI. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time on Job.

0871195932

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3262

Property issues indicated

No

Lender Exception - Waive Addendum for XXX or XXX review the XXX lease and it was declined UW decision summary form indicates a lender exception was issued for XXX Lease to be waived, low liquid assets, selling departure residence, seasoned homeowner, mortgage paid XXX, combined monthly decreasing by $XXX, and long term employment history. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX%. Max DTI for this program is 38.00% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower with current employer for XXX years and XXX months.

0872131759

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception: XXX Commerical Use Requirement Credit Risk Class Invalid (Z) or Insufficient (S) DECISION:  XXX is approving exception request for XXX commercial use & insufficient credit plus tracking request for qualifying ratios. Comp factors: good residual income; long term employment/profession.  Additional retirement assets not used, limited credit user. Excellent VOR in addition to paid as agreed on the one open tradeline XXX% down payment.

8.14.18 - Client responded. LVAM approved exceptions; 1- XXX Commercial Use Requirement  2- Credit Risk Class Invalid (Z) or Insufficient (S). Exceptions approved under the XXX delegated authority. 8.14.18 - Clayton has reviewed clients response and as this was a lender exception with supporting compensating factors it is considered non-material.

8.14.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan LTV of XXX% is below maximum allowed of XXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The Borrower has 106,485.08, or 13.94 months post close reserves, exceeding 12 month requirement.

0873079287

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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 XXX K1 for XXX/XXX.

7.23.18 - Client responded. XXX K-1 for XXX/XXX, XXX was not required. Lender guidelines allow discretion to waive K-1s. XXX/XXX is a family owned partnership that borrower has a XXX% ownership interest as documented by XXX K-1s in file. No qualifying income was used from this entity and ratios are well within credit policy with loss deducted from total qualifying income. 7.23.18 - Clayton has reviewed clients response and verified guideline as well as income was not used from XXX to qualify.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680.

0873079287

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

XXX Feedback Cert reflects XXX #XXX with balance $XXX was used to qualify however per guidelines since this is a XXX account and the borrower is not XXX% owner of the XXX the funds would not be an allowable source. Reviewer has not included the balance in verified assets. Short $XXX liquid assets.

7.23.18 - Client responded. Concur that XXX #XXX is a business account for XXX and borrower has only XXX% ownership. However, borrower has two other personal accounts: XXX #XXX balance $280,627 and XXX #XXX balance $167,022 totaling $447,649 that exceed the required funds to close ($287,886) and required reserves ($43,528). Asset statement(s) attached   7.23.18 - Clayton has reviewed clients response and added in personal accounts from provided asset statements. Subject loan now meets cash to close and reserve requirements.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680.

0873079287

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Provide XXX K1 for XXX / XXX for review.  XXX K1 provided reflects an overall loss from XXX.  Guidelines require a 24 mo analysis.

7.23.18 - Client responded. 2016 K-1 for XXX/XXX was not required. Lender guidelines allow discretion to waive K-1s. XXX/XXX is a family owned partnership that borrower has a XXX% ownership interest as documented by XXX K-1s in file. No qualifying income was used from this entity and ratios are well within credit policy with loss deducted from total qualifying income. 7.23.18 - Clayton has reviewed clients response and verified guideline as well as income was not used from XXX to qualify.

7.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680.

0874024776

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX. Calculating Cash to Close LE table Cash to close does not match on final CD to final LE.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked XXX years in XXX profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of XXX  exceeded the guideline requirement of XXX by XXX points.

0874677846

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR118

ROR - Disbursement date is on/before disclosed "midnight of" date

No

ROR dated XXX was signed XXX and the expiration date was changed and initialed to XXX; XXX business days would allow for the earliest disbursement date of XXX; loan disbursed XXX.

8.22.18 - Client responded. Disagree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX was sent to the consumers XXX.  Copy of corrected CD with cover letter is attached. 8.22.18 - Clayton has reviewed clients response and updated CD provided with disbursement date of XXX.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.

0874677846

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR dated XXX was signed XXX and the expiration date was changed and initialed to XXX; XXX business days would allow for the earliest disbursement date of XXX; loan disbursed XXX.

8.22.18 - Client responded. Disagree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX was sent to the consumers XXX.  Copy of corrected CD with cover letter is attached. 8.22.18 - Clayton has reviewed clients response and updated CD provided with disbursement date of XXX.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.

0874677846

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, Value of $XXX does not match Clayton Calculation, Value of $XXX. Difference is $XXX, Closing Costs Paid Before Closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.

0874677846

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Lender Exception: Per guidelines, borrower can have more than XXX mortgaged properties with the following exceptions; greater than XXX financed properties are allowed for primary residence only when reserves equal at least XXX% of the loan amount or LTV / CLTV is XXX% or less. PCO / XXX approval is required. Comp factors:  LTV is below max of XXX% at XXX%.  Excellent mtg history since XXX. Longtime XXX employment. Strong equities in properties. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for XXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.

0875110896

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3776

TRID - LE or CD does not meet TRID requirements

No

Final CD dated XXX missing page 2 , please provide missing complete final CD dated XXX Once reviewed additional exceptions may arise.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

0875180264

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of $192,683.17 or 33.31 months (12 months required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job tenure of XXX years

0875225617

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in current profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $564,500.05 or 129.54 months which exceeds 6 months guideline.

0875535391

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower 2 is primary wage earner and has 1 active trade. Borrower 1 has one active trade.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has been with current employer for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of 680.

0879476504

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $147,902.88.  Reserves required of $54,352.68 per feedback certification. $225,945.36  remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX years at current job.

0880425542

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 50.80 months PITI cash reserves $175,475.95 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX per review.

0880760163

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Right of Rescission

Active

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Right of Rescission : Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a ‘substantially similar notice.’ Clayton’s view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the ‘substantially similar notice’ argument. The majority of XXX. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a non-material condition in those Circuits that have not decided on this issue.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score of XXX exceeds guideline requirements of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX LTV below guideline requirements of 80%

0880760163

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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 percent tolerance fee of $XXX due to increase in % of Loan Amount (Points). Missing COC, COC in file dated same date as LE XXX only states Change Circumstance affecting Settlement Charges: Other. Line for choosing rate lock and dependent charges was not checked and only COC in file.

8.22.18 - Client responded. Agree. Discount points in the amount of $XXX were added to the subsequent LE issued XXX with a valid change circumstance of Rate Lock per file evidence; however, rate was locked on XXX  and LE with Discount Points was not re-disclosed to borrower until XXX. Re-disclosure does not meet required 3-day timing. The borrower would be due a refund of $XXX for XXX percent category fees increase.  Refund to the borrower of $XXX and new CD reflecting the $XXX over tolerance credit is required to cure the defect.  Remediation in process XXX. 8.22.18 - Exception remains. 9.4.18 - Client responded. "Disagree with investor. Discount points in the amount of $XXX were added to the subsequent Loan Estimate issued XXX with a valid change circumstance of Rate Lock per file evidence; however, rate was locked on XXX. Locked Loan Estimate issued XXX has been submitted by the correspondent lender on XXX disclosing the addition of Discount Points and meets timing. The borrower would not be due a refund.  Copy of Loan Estimate dated XXX is attached.  This is not a testing defect so no corrective action is required. 9.4.18 - Clayton has reviewed clients response and COC for rate lock and lock itself reflecting the Discount Fee provided.

9.4.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score of XXX exceeds guideline requirements of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX LTV below guideline requirements of 80%

0880760163

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3554

TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered

No

LE: XXX Section: General LE Information. The CD is e-signed but there is no evidence of email receipt. LE: XXX Section: General LE Information. The CD is e-signed but there is no evidence of email receipt.

8.22.18 - Client responded. Copy of e-delivery consent form is attached. 8.22.18 - Clayton has reviewed clients response and e-consent provided.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score of XXX exceeds guideline requirements of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX LTV below guideline requirements of 80%

0880760163

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID3600

TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered

No

CD: XXX, Section: General CD Information, Field: Was the delivery method via email?, Value: Yes CD: XXX Section: General CD Information, Field: Evidence applicant consented to e-mail delivery prior to such delivery in the file?, Value: No

8.22.18 - Client responded. Copy of e-delivery consent form is attached. 8.22.18 - Clayton has reviewed clients response and e-consent provided.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score of XXX exceeds guideline requirements of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX LTV below guideline requirements of 80%

0881049732

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with current employer since XXX years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $413,653.82 in post-closing reserves, which is $279,147.84 more than the guideline required amount of $134,505.98, or 36 months in reserves

0884429066

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with XXXXX for over XXX years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer has over XXX months of mortgage payment history paid on time

0884612900

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0884744628

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP2129

MD Counseling Notice not in file

No

XXX counseling Notice not in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 32 months PITI.

0886100473

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets are $672,559.71, after closing reserves remaining are $547,396.72. [150.31 months PITI] CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0887034000

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum 680 score requirement CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX year employment stability

0887287177

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XX.XX.XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XX.XX actual calculation closing costs XXX- POC XXX= negative XXX which should be disclosed as $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $422,372.90 verified cash reserves exceed guidelines.

0888004779

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Assets

Satisfied

A

A

A

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Provide the XXX for account XXX, to use IRA distribution income.  Only the December XXX statement is in file.

7.18.18 - Client responded. The  XXX  statement  act# XXX is in the PDF on pages 406-449.  The only activity listed on the statement is the amount for the income distribution and it does have the beginning Value (that matches the December statement)  and the ending Value. Attached is the XXX letter and Underwriting Decision Summary that explains the IRA Distribution income calculations used and the XXX shows income distributions per the two consolidated statements with this account listed (XXX). 7.18.18 - Clayton has reviewed the documents provided and IRA Distribution income is supported.

7.18.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.

0888004779

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL100

Legal document incorrect or incomplete

No

XXX with inadequate reserve funding XXX% and insufficient XXX Coverage $XXX.  Lender exception approved in file.

5.20.17 Lender provided NPRES approval which states coverage needs to equal entire balance of operating and reserve accounts $XXXXX.XX. Lender approved exception in file. Non Material. 11/05/18: Upon further review, clarification docs provided show the HOA budget to be XXX, of which XXX is allocated for contingencies that is separately from the operating account. This amount exceeds the requirement for the maintained XXX.

5.20.17 Exception remains. 11/05/18: Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.

0888004779

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3124

Loan documents do not meet guideline requirements

No

Appraiser states the HOA has not been turned over to the homeowners and the developer is in still in control. Provide evidence the HOA has been turned over.

5.14.17 Client rebuttal states exception was approved by Lender. However, exception remains 11/05/18: Upon further review, clarification documentation provided shows the subject is currently in phase 3 of 7. Units sold based on total phases is XXX%. Developer retains control on uncompleted units (which is typical per appraiser), however HOA budget is in place with budget in excess of XXX. HOA also has separate allocated contingency account in excess of XXX. This amount is above the required fidelity bond amount of XXX

5.14.17 Exception remains 11/05/18: Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.

0888004779

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Property

Satisfied

D

A

D

A

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Missing HOA Certificate/Questionnaire.

5.20.17 Client provided XXX approval of project.

5.20.17 Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.

0888415758

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0888493860

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No.XXX. Property Taxes is missing the months. Corrected on CD Issued XXX. Exception Satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines 12 months.  Borrower have 22 months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX. Borrower XXX score exceeds by XXX points.

0888655946

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of 680.

0888865589

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0890092621

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0890639821

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0890817088

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is below guideline max of 45%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has over $497,410.28 in cash reserves, requires 12 months piti, $39,316t.08

0892262279

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX below 43% maximum guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX below 680 maximum score requirement

0894088670

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $156,908.08.  Reserves required of $35,092.56 (12 x $2,924.38).  $123,721.47 remaining reserves after funds to close.

0894336777

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0898827823

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.6.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $313,261.30.  Reserves required of $77,155.68 (12 x $6,429.64).  $962,572.50 remaining reserves after funds to close.

0899098724

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past 4.24 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in XXX for the past XXX years.

0899193324

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $170,003.69 which is 45.02 of PITI. Only requires 12 months [$3776.07 x 12= $45,312.84]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0902187372

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST115

Cash reserves do not meet guidelines

No

Lender exception: less than XXX months in reserves actual XXX months. Compensating factors include two properties listed for sale and once sold will drop DTI to XXX% and proceeds will provide borrower XXX months of PCL even if XXX gift had to be paid back. Strong employment history and residual income. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXX month XXX

0902187372

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER110

Loan amount exceeds guideline maximum

No

Lender exception : XX actual; aggregate $XXX financing greater than XXX. Compensating factors include two properties listed for sale and once sold will drop DTI to XXX% and proceeds will provide borrower XXX months of PCL even if XXX gift had to be paid back. Strong employment history and residual income. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed XXX month XXX

0904109970

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0904115200

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CDs XXX and XXX, Section Other Costs, Section E, Recording Fees: Fees are not itemized. Only reflects total for recording fees.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are XXX months

0905985421

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

LE XXX and LE XXX Contact information the state is not listed for the XXX ID number provided.  CD issued XXX corrects this error.  Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $XXX in post-closing reserves, which is $119,224.13 more than the guideline required amount of $65,153.13, or 33 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than reduced guideline max of XXX% due to lender exception.

0905985421

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender made an exception for b2 start date closing prior to closing, combined with additional risks of multiple employers within the past XXX years, with decreasing income, and high payment shock; lender compensating factors, strong reserves, residual income, and the potential for increased earnings. Non material exception

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $XXX in post-closing reserves, which is $119,224.13 more than the guideline required amount of $65,153.13, or 33 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is XXX%, which is XXX% less than reduced guideline max of XXX% due to lender exception.

0907447747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $229,000 or 40.20 months PITIA

0908098433

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0908549237

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Income/Employment

Active

C

B

C

B

CRDINC150

Income docs do not meet guidelines

No

Lender exception for borrower less than XXX years property management experiences. Compensating factors are low LTV  and XXX times more reserves than required.

(No Data)

8/1/18: Upon further review, exception deemed non-material due to inseverity; good score, good reserves, extra monthly income

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $627,171.16, after closing cost assets are $326,284. [85.97 months PITI]. CFCFS1736: Significant time at current residence - Clayton Comments:  XXX years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0908680187

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing cash reserves of $XXX or XXX months which exceeds required minimum per guidelines of XXX months.

0910200755

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0910662429

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum 700 score requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 14 months exceeds 12 month requirement

0912267266

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation XXX closing costs XXX- POC XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX exceeds program requirement 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence XXX years XXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $83,832.52.  Final CD reflects required no funds to close.  Guidelines require mos. reserves of $31,298.31.  Post close reserves $52,534.21.

0913104715

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.3.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX

7.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $156,254.70 or 26.11 months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's have owned current residence XXX years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years

0915404189

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $289,153.01.  Final CD reflects required funds to close, $106,061.70.   Final CD reflects earnest money deposit of $5,500.00.  No documentation in file to support cleared borrowers account prior to close. Deducted earnest money from available reserves.  Guidelines require reserves of $31,468.95.  Post close reserves $146,122.36. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work.

0915779397

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

1. CD: XXX, Section: Other Costs (XXX) the recording fees are not itemized. CD XXX corrects this error. Exception satisfied. 2. CD: XXX, Section: Other Costs, (XXX) Line XXX the XXX is not listed. CD XXX corrects this error. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified $149,448.15 or 31.58 months reserves

0915860785

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is 117 points higher than the guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  is XXX%, which is 18.04% less than guideline max of 43.0% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with current employer since XXX years.

0916804908

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $298,874.81.  Reserves required of $39,964.44 (12 x $3,330.37).  $44,125.29 remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has more than XXX years at current position.

0919107167

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

According to Assets Statements provided in the file, the XXX account numbers XXX and XXXi s held in the Name of a Trust with the Borrower shown as the trustee.  However, according to the XXX documentation matrix the following verification is required for assets held in a trust account: Copy of trust agreement or signed statement on letterhead from trustee with following information: name, address, phone number, and contact person of the trustee. Borrower is beneficiary of trust. Borrower has access to all trust funds or specific amount of funds. States whether this is a loan with repayment terms. Trust has assets to disburse funds to borrower. A copy of the Trust Agreement nor a Signed Statement from trustee could be located in the loan file.

8.17.18 - Client responded. A copy of the trust agreement or signed statement from trustee was not required. Only XXX account XXX was held under a trust and these funds were not used in qualifying. Consolidated XXX statement attached (accounts XXX). 8.17.18 - Clayton has reviewed clients response and statements provided reflect only 1 account in Trust and this account was not used for asset qualification as stated by client.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The loan LTV of XXX% is well below 80% as allowed under the guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The Borrower's qualifying credit score of XXX is well above minimum score required of 680 as per the guidelines.

0922046023

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

CD Issue date is XXX ,Closing date  is XXX, and the 3 day waiting period was not met. Please provide proof the initial CD was received by the borrower 3 days before the consummation date of xxx. According to Data Disclosure Master Sheet an Initial CD dated XXX was sent to borrower but is not in file.

8.21.18 - Client responded. Disagree. The Closing Disclosure was provided xxx. The CD was confirmed (acknowledged) XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX  Retail Compliance team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached.  Copy of Initial CD dated XXX is attached. 8.21.18 - Clayton has reviewed clients response. CD dated XXX has not been provided as initial CD and document tracking to support was sent and received by borrower same day of XXX.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum 680 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% gudieline

0922364463

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0924087800

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Per UW decision summary form the borrower is paying off and closing an existing XX HELOC as evidenced on final CD; borrower is opening a new HELOC with XXX advance. File is missing terms and payment of subordination HELOC for XXX

8.17.18 - Client responded. There was no subordination agreement. Borrower closed the existing junior lien (XXX HELOC) and opened a new XX HELOC. XX Account Agreement attached to include terms and payment calculation for new HELOC. The qualified amortized payment was $XXX for $XXX HELOC (advance). 8.17.18 - Clayton has reviewed clients response and documents have been provided to support a new HELOC was opened and prior HELOC paid off and closed therefore as this was a new HELOC a subordination is not required.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job tenure of XXX years

0924087800

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR117

ROR - Expiration date on form prior to end of rescission period

No

Expiration date of XXX on ROR is prior to the end of earliest expiration date of XXX

8.14.18 - Client responded. Agree.  Right of Rescission is not in compliance.  How to Cancel date on Right to Cancel disclosure was less than 3 business days.  Latest dated document is XXX.  Third business day is XXX.  How to Cancel date is XX/XX/XXXX.  Disbursement date on Final CD executed by consumers XXX and XXX is XXX.  Loan disbursement date per origination system is XXX.  Re-opening of rescission and corrected CD with a disbursement date of XXX is required to cure defect.  Vested Parties: XXX . Original Lender: XXX.  Transaction Date:  XXX. Remediation request sent to CDCR XXX - Exception remains. 8.20.18 - Client responded. Providing remediation documents - copies of updated CD, Notice of RTC, and letter sent to borrower. 8.20.18 - Clayton has reviewed clients response and corrected PCCD, Letter to borrower and corrected ROR's provided.

8.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job tenure of XXX years

0924087800

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value:$XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value:$XXX  a difference of $XXX which was paid closing costs before closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job tenure of XXX years

0924087800

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL140

Missing subordination agreement for existing junior lien

No

Per UW decision summary form the borrower is paying off and closing an existing XX HELOC as evidenced on final CD; borrower is opening a new HELOC with XXX advance. File is missing terms and payment of subordination HELOC for XXX

8.17.18 - Client responded. There was no subordination agreement. Borrower closed the existing junior lien (XXX HELOC) and opened a new XX HELOC. XX Account Agreement attached to include terms and payment calculation for new HELOC. The qualified amortized payment was $XXX for $XXX HELOC (advance). 8.17.18 - Clayton has reviewed clients response and documents have been provided to support a new HELOC was opened and prior HELOC paid off and closed therefore as this was a new HELOC a subordination is not required.

8.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required) CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job tenure of XXX years

0925144741

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX median score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on job

0925540248

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $136,654.56 or 23.01 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0926549496

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $573,323.42, after closing cost assets are $353,895.64. [54.23 months PITI]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years at current job.

0926837766

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

8.24.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO score  XXX

0926887637

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

C

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 5900.72. Difference is POC of $XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXXXX with XXX for the past XXX years.

0926887637

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

B

B

C

B

C

B

A

A

B

B

Credit

Terms/Guidelines

Active

C

B

C

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception for Borrowers having less than XXX years of Property Management experience with use of Rental Income is approved. Compensating Factors include: Borrowers receiving rental income on rental property for the last 6 months, overall credit is excellent established since XXX with satisfactory payment history on mortgages and conservative use of revolving and installment accts. Stable income with over XXX years at same job for both borrowers with increasing income, low ratios of XXX% with strong residual income of $XXX, strong ability to save with PCL of $XXX  PITI all liquid funds and low LTV/CLTV of XXX% all supports approval of exception.

8.10.18 - Client responded. XXX approved exception - Borrower has less than 2 yrs of property management experience. Exception approved under the PCO delegated authority. 8.10.18 - Clayton has reviewed clients response and deemed non material.

8.10.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXX for the past XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment as XXXXX with XXX for the past XXX years.

0930239802

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $814,194.99 or 160.76 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0930512679

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower does not meet the trade line requirement.  Borrower only has one open/active trade line, which is the mortgage. A minimum of 3 required.  Borrower is showing two open/active credit card debt, one of which has a balance, XXX and XXX, both are authorized user accounts.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  borrower has been employed with same employer for just over XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has the ability to save, assets for reserves $269,097.48. Reserves required 36 months = $223,120.16, borrower has $45,967.32 left as additional assets.

0931949453

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX yrs. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX

0932061187

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Updated assets verified $522,801.63, after closing cost assets are $196,540.44 [33.37 months PITI]. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years in the same line of work.

0933025288

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $623,100.03 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0934349583

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of XXX  Borrower score is 814. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 35 months

0934830773

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0937438810

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Lender Exception in file for No Mortgage/Payment history. Compensating factors include XXX% DTI, long term credit history and only XXX in outstanding revolving debt.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been Employed with the current Employer for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is 43%.

0938290319

XXXXXX

HI

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Per Underwriting Decision Summary, borrower exceeded maximum number of financed properties and an exception was made. With excellent credit profile, mid fico XXX, verified assets in excess of 2mm and both borrowers on current job more than XXX years this is considered non material

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Excellent credit and mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $162,513.33. Verified reserves $1,076,602.25

0938471898

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $114,075.92 or 39.61 months which exceeds guideline of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying fico of XXX exceeds minimum per guidelines of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX% is well below maximum guideline of 43%.

0938811867

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job XXX years, XXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 680

0940687595

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD XX/XX/XXXX - Section Other Cost; E. Taxes and other Government Fees; $XXX fee for Report 9A is in the wrong section. Should be in sectoin H.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $322,174.57 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  DTI is below guideline requirement.

0941193792

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $XXX or XXX months PITIA

0942393948

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Documentation

Active

D

B

D

B

CMPDOC3280

One or more Applications in file are incomplete

No

Missing XXX with co-borrower employer's Name and Address listed.

8.10.18 - Client responded. Unable to procure Final loan application with borrower 2 employer's  name and address. The B2 XXX Paystub and VOE is in the file that shows the name and address . The loan application also shows the  length of employment. The Underwriting Decision Summary does  state the  employer's name and that the borrower has been employed with  XXX since XXX 8.10.18 - Clayton has reviewed clients response and determined this to be a non-material issue.

8.10.18 - Exception remains.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in profession as Rep with XXX for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $111,567.13 or 37  months PITI reserves, which is more than required reserves of  $26,554.68.

0943342751

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0943552244

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Federal Consumer Protection

Satisfied

C

A

C

A

CMPFDCP3208

NMLS License verification found Loan Originator was inactive at time of origination

No

Lender is a Division of a XXX. XXX does not reflect XXX is XXX chartered or licensed in XXX the state subject property is located in.

8.23.18 - Client responded. Loan documentation shows the application date for the loan was XXX and the loan close date is XXX. The loan originating company (XXX) is federally regulated and the XXX registration is currently in effect. The Loan Originator (XXX) also has a federal registration and has been registered since XXX. The LO has been authorized to represent the originating entity since his registration started and the registration is still currently active. Since the registration for both the LO and the originating company at the time of application and closing (and is still currently in place) we believe all XXX licensing registration requirements were met. 8.23.18 - XXX has reviewed clients response and as the Lender is federally regulated this is a non issue.

8.23.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  61.06 Months Reserves

0943552244

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE

No

CD: XXX, CD: XXX and CD: XXX, Calculating Cash to Close Table (Loan Estimate column) does not match figures on LE XXX (only LE in the file), Calculating Cash to Close Table we have received.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  61.06 Months Reserves

0943656851

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0946190906

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $757,842.29 or 182.67 months PITIA, guidelines required 9 months PITIA.

0946819794

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds 680 score requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below maximum 43% guideline

0946947178

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative Credit Score is XXX; Borrowers credit score exceeds guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post reserves in the amount of $138,681.52  / 23.05 months.

0947169587

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -$XXX and Section: Calculating Cash to Close, Field: System calculation, Value listed as $XXX. This should be a positive number or $XXX/Blank if negative.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for XXX years.

0947169587

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value listed as $ XXX.  This should be a positive number or XXX/Blank if negative.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%; guideline maximum is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for XXX years.

0947295933

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds  guidelines of XXX by 113 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement of XXX%.  Current DTI 26.85%

0947596461

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $93,028.63 verified cash reserves exceed guidelines.

0948252999

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $318,601.99 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0949271487

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

$XXX percent tolerance due to increase in recording fee on final CD without a valid CoC. Requires corrected PCCD, copy of refund check, LOX and verification of shipping.

7.30.18 - Client responded. Disagree. XXX percent aggregate baseline includes Title Services and Recording Fees per fee placement on the consummation CD (Section B 10% fees). Aggregate 10% fees on the initial CD were disclosed in the amount of $XXX . Aggregate XXX% fees on the consummation CD were charged in the amount of $XXX. It appears investor did not include Title Services in the XXX% tolerance calculation. The increase did not exceed the Aggregate XXX% tolerance threshold; therefore, no refund would be due.  This is not a defect so no corrective action is required. 7.30.18 - Clayton has reviewed clients response. Review of 10% tolerance fees corrected.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum per guidelines of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 26 years.

0950377148

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0950744304

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $160,894.51 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0951073400

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

1. CD: XXX, Loan Costs is improperly formatted due to XXX. - XXX- XXX fee is missing payee. 2. CD: XXX, Other Costs is XXX. Prepaids - Homeowner's Insurance is missing payee. CD XXX corrects both errors. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX max XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV XXX MAX LTV XXX

0952048545

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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

0955045165

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.25.18 - A Desk Review was received with a reported value of $XXX which has a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.9.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX

8.9.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at current residence for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $309,500.94 or 49.66 PITIA months which exceeds minimum required per guidelines of 6 months.

0957040283

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0958014311

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with current employer since XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is 90 points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $223,897.85 in post-closing reserves, which is $176,527.01 more than the guideline required amount of $47,370.84, or 56 months in reserves

0960038203

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $117,226.56 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0961574925

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

Application is dated XXX Homeowners counseling organizations was Dated XXX, not within the 3 day period. Should be XXX.

7.30.18 - Client responded. Disagree.  Initial LE #001 was provided within 3 business days of application and is in compliance. Application date is XXX.  LE #001 is dated XXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  The Loan Estimate was included in the Initial Disclosure package that was provided XXX via e-delivery.  The initial disclosure package was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX. Copy of origination system evidence disclosing the "Real Deal (NSD)" or Application Date is attached.  Copy of origination system evidence showing the Confirm date is attached.  No defect was found and no corrective action is required. 7.30.18 - Clayton has reviewed clients response and internal document provided reflects initial application date of XXX therefore delivered timely.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 680; Borrowers credit score is XXX.

0961574925

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Application is dated XXX written list of providers was Dated XXX, not within the 3 day period. Should be XXX.

7.30.18 - Client responded. Disagree.  Initial LE #001 was provided within 3 business days of application and is in compliance. Application date is XXX.  LE #001 is dated XXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  The Loan Estimate was included in the Initial Disclosure package that was provided XXX via e-delivery.  The initial disclosure package was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX. Copy of origination system evidence disclosing the "Real Deal (NSD)" or Application Date is attached.  Copy of origination system evidence showing the Confirm date is attached.  No defect was found and no corrective action is required. 7.30.18 - Clayton has reviewed clients response and internal document provided reflects initial application date of XXX therefore delivered timely.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 680; Borrowers credit score is XXX.

0961574925

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Application is dated XXX first LE was Dated XXX, not within the 3 day period. Should be XXX.

7.30.18 - Client responded. Disagree.  Initial LE #001 was provided within 3 business days of application and is in compliance. Application date is XXX.  LE #001 is dated XXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  The Loan Estimate was included in the Initial Disclosure package that was provided XXX via e-delivery.  The initial disclosure package was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX. Copy of origination system evidence disclosing the "Real Deal (NSD)" or Application Date is attached.  Copy of origination system evidence showing the Confirm date is attached.  No defect was found and no corrective action is required. 7.30.18 - Clayton has reviewed clients response and internal document provided to support initial application date of XXX therefore LE delivered timely.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines of 680; Borrowers credit score is XXX.

0963686981

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0964126380

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal was subject to completion of stove installation.  No 1004D cert was located in file however photo of a stove was located in file.

8.22.18 - Client responded. The underwriter accepted the photo of the stove to validate installation. The photo shows the stove is installed and working.  Per photo all the burners are on. Comparison of photo of kitchen in original appraisal and photo of stove match and indicate the placement of the stove. 8.22.18 - Clayton has reviewed clients response and a view of the photo and compared to the original appraisal reflects the stove was installed and working.

8.22.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified assets totaling $430,489.11.  Final CD reflects required funds to close, $XXX.  Guidelines require reserves of $53,887.68. Post close reserves $166,595.78. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score XXX above program requirement 680.

0965012040

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX - Calculating Cash to Close,  Closing Costs Financed - Final, Value: XXX Clayton Calculation, Value: XXX Difference is POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Residual Income = Gross Monthly Income - Total Monthly Obligations CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of XXX exceeds minimum guideline score of 720 by XXX points

0965857590

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $392,518.34 or 49.88 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0966044763

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $118,439.71 or 34.37 months which exceeds required minimum of 6 months.

0966190385

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score.  Min 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession XXX years.

0966645068

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median FICO score of XXX. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current address for XXX plus yrs.

0966785835

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets/reserves of approximately 60 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid fico XXX

0967116917

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: $XXX; Calculation, Value: $XXX.  Values do not match.  The difference is $XXX, which is the Closing Costs Paid Before Closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $219,643.79 or 64.70 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. Cash Out Refi

0968184499

XXXXXX

WI

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX Lender calculation included POC of $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $232,286.23 verified cash reserves exceed guidelines.

0968856431

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Property Valuations

Property

Active

C

B

C

B

PRVAPROP241

Property Type unacceptable under guidelines

No

Lender exception : Unacceptable property type, property is a Hexagonal in shape. Exception approved by lender, Comps: Very strong customers with low qualifying ratios, strong residual income. Departure home has greater value.

8.8.18 - Client responded. LVAM approved exception; Unacceptable Property Type.  Exception approved under the PCO delegated authority. 8.8.18 - Clayton has reviewed clients response and based on compensating factors this is a non material issue.

8.8.18 - Exception remains.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower (XXX) has been in same profession for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX PITI month cash reserves $796,826.54

0969383340

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with same employer for XXX yrs. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has XXX months in PITI cash reserves $171,055.51

0969721013

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

8.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

8.14.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

8.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $486,018.29 or over XXX  months PITIA.

0969827929

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX, XXX   Calculating Cash to Close,  Closing Costs Financed - Final, Value: XXX system calculates XXX the difference is $XXX amount of closing cost paid before closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX + yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 15.17 months in reserves.

0969827929

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

UW Decision summary form indicates an exception indicating Revocable trust vesting. Legal has approved  vesting. Prior vesting was with XXX but she was diagnosed with cancer and passed away.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for XXX + yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan has 15.17 months in reserves.

0970079302

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $224,841.47 or 46.00 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0971073667

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

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

Lender has used 2nd income for Co-borrower XXX, from Employer XXX, only documents in file  for this job are W2's for XXX. Must provide paystubs for 30 days prior to closing date to verify income per guidelines. Provide all lender documents.

8.8.18 - Client responded. Co-borrower receives IHSS compensation for the care of her disabled XXX, XXX.  Copy of XXX payment from IHSS for XXXXXXX was provided along with prior W-2s for XXX as noted.  Lender guidelines require a YTD paystub documenting at least one month earnings and may be dated no more than 120 days prior to the note date.  Paystub provided is less than 120 days prior to note date of XXX.  See attached paystub. 8.8.18 - Clayton has reviewed clients response and paystub provided as required.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX//======= Customer works fo XXXXX XXX XXXXX as a XXXXX for XXX years// CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Customer works for XXX as a XXX for XXX years and XXX years in the industry// CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 740. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed by same company  for XXX years

0971073667

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Lender has used 2nd income for Co-borrower XXX, from Employer XXX,the only documents in file for this job are  W2's for XXX. Must provide  paystubs for 30 days prior to closing date to verify income per guidelines. Per UW Approval Lender has letter from XXX verifying  that Co-borrower would be returning to work on XXX.

8.8.18 - Client responded. Co-borrower XXX is employed by XXX and is currently on state disability due to shoulder surgery.  Her physician documented she will return to work on XXX.  Lender guidelines permit use of regular income for qualifying as long as applicant returns to work prior to the XXX mortgage payment due date (XXX).  In addition to her employment with XXX, co-borrower receives IHSS compensation for the care of her disabled XXX, XXX.  Copy of XXX payment from IHSS for XXX was provided along with prior W-2s for XXX as noted.  Lender guidelines require a YTD paystub documenting at least one month earnings and may be dated no more than 120 days prior to the note date.  Paystub provided is less than 120 days prior to note date of XXX.  See attached paystub. 8.8.18 - Clayton has reviewed clients response and documentation to support income used and meet guidelines requirements have been provided.

8.8.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX//======= Customer works fo XXXXX XXX XXXXX as a XXXXX for XXX years// CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Customer works for XXX as a XXX for XXX years and XXX years in the industry// CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 740. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed by same company  for XXX years

0972022484

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Over 24 months mortgage history

0972232318

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2340

Employment verification does not meet guidelines

No

Borrower to provide most recent pay stub or proof borrower passed background check for new position.

8.21.18 - Client responded. Executed Offer Letter, VOE, Relocation Authorization and confirmation email from XXX LLC with official start date attached to meet employment verification guidelines and requirements for relocation loan. 8.21.18 - Clayton has reviewed clients response and relocation docs provided support borrower's employment as required.

8.21.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history with minimum debts. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years experience in industry.

0973307040

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.

7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 112 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%.

0976531224

XXXXXX

ID

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is for XXX months when 24 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $126,758.00 in post-closing reserves, which is $79,533.12 more than the guideline required amount of $47,224.88, or 32 months in reserves

0977471703

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score XXX exceeds minimum 680 guideline

0977661323

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, is listed as $XXX and review calculated Calculating Cash to Close, Clayton Calculation, equals $XXX. Difference is POC of XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's have owned and occupied their primary home for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified effective assets of $1,276,508.57; No funds required at closing and required reserves of $50,820.48 for 18 months subject PITI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV; max per guidelines is 70%.

0977661323

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4374

TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number

No

LE: XXX [Last LE], Section: Calculating Cash To Close, Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -XXX is disclosed as a negative number.  CD issued  XXX corrects this error.  Exception satisfied.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's have owned and occupied their primary home for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified effective assets of $1,276,508.57; No funds required at closing and required reserves of $50,820.48 for 18 months subject PITI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV; max per guidelines is 70%.

0977661323

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Lender exception for Cash out of $450,226.75 exceeds the maximum cash out per guidelines of $350,000.00. Compensating factors include Owned properties free and clear and  strong reserves. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's have owned and occupied their primary home for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified effective assets of $1,276,508.57; No funds required at closing and required reserves of $50,820.48 for 18 months subject PITI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV; max per guidelines is 70%.

0978753786

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $XXX.  Reserves required of $74,019.60 per feedback certification. $3,311,559.94  remaining reserves after funds to close. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI, max per guidelines is 43%

0980488873

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $415,310.46 or 54.49 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is for XXX months when 24 months are required.

0981403422

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Job tenure of XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $570,255.56 or 47.70 months ( 12 months required)

0982345250

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers XXX not provided within 3 days of initial application XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico of XXX is above minimum guideline requirement of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with current employer for XXX years.

0982443372

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4362

TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation

No

Satisfied. At least one section contains a disclosure that is not in accordance with the Regulation:  CD XXX Closing Information, Settlement Agent Missing.  L2.  PC CD XXX corrects.  Downgrade to L1 and downgrade to Satisfy.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.

0982443372

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

Satisfied. Closing Disclosure contains conflicting loan attributes: CD XXX, Loan Disclosures, Demand Feature neither has a Demand or Does not is marked.  L2.  PC CD XXX corrects. L2 and Satisfy.

(No Data)

Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.

0982443372

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Mortgage history is only for 6 months. Lender Exception Request: Please note, request is not from XXX but rather a correspondent. Borrower 1 has limited credit. Borrowers have only 6 month housing payment history. (lived rent free prior). Brw 2 has less than XXX year employment history (in college prior). Minor payment shock.  Compensating factors: Refinance is to go from ARM to fixed. Strong residual income. DTI within guidelines. B1 has good job tenure (XXX years) income stable; brw 2 earns commission income that was not used to qualify, therefore, strong potential for increased earnings; Strong demonstrated savings ability, all funds liquid, PCL exceeds guidelines at 68 months vs. required 12 mos, OPUS reviewed and approved collateral, no marketing concerns, values increasing, value well supported, LTV well below max.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.

0982443372

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Borrower 1 is primary wage earner and has only two active trades. Minimum requirement is 3. Lender Exception Request: Please note, request is not from XXX but rather a correspondent. Borrower 1 has limited credit. Borrowers have only 6 month housing payment history. (lived rent free prior). Brw 2 has less than XXX year employment history (in college prior). Minor payment shock.  Compensating factors: Refinance is to go from ARM to fixed. Strong residual income. DTI within guidelines. B1 has good job tenure (XXX years) income stable; brw 2 earns commission income that was not used to qualify, therefore, strong potential for increased earnings; Strong demonstrated savings ability, all funds liquid, PCL exceeds guidelines at 68 months vs. required 12 mos, OPUS reviewed and approved collateral, no marketing concerns, values increasing, value well supported, LTV well below max.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.

0982720521

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years on current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  XXX years on current job

0983111775

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $114,815.40 or 33.64 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

0984572253

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX  qualifying score. Min required per guidelines is 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with same company for last XXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is below guideline requirements of XXX% at XX.XX%

0986661943

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4352

TRID - CD: At least one section contains formatting that does not comply with the Regulation

No

CD dated XXX- Other Costs- Section H- Survey Fee is missing the payee name. Corrected on the Final CD dated XXX. Exception satisfied.

(No Data)

Exception satisfied.

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for XXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing cash reserves of $58,261.09 or 14.87 months which exceeds guideline requirement of 12 months.

0987162808

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0987404872

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX years current job time CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX%  Max per guides is 45% CFCFS1739: Postive mortgage payment history - Clayton Comments:  Previous mtg. history reported for XXX mos. with XXX days

0988200170

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD XXX: Section Calculation Cash to Close; Closing Cost Financed amount on CD is $XXX system calculates $XXX the difference is the amount is closing cost paid before closing $XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Coborrower has been in same line of work owning company for over XXX years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B-1 has been on same line of work and owned company for last XXX years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  both consumer credit history exceeds the max of 24 months with no late payments

0988947927

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4320

TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula.

No

CD dated XXX- Calculating Cash to Close- Closing Costs Financed is $XXX. Review Calculation is $XXX. Difference is POC of XXX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $343,309.57 verified cash reserves exceed guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is below guideline requirement.

0991274931

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

0992354120

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing Mortgage.

7.30.18 - Client responded. Mortgage provided. 7.30.18 - Clayton has reviewed clients response and required mortgage for subject provided.

7.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $511,026.09 or 119.78 months PITIA, guidelines required 9 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

0993077861

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Initial CD XXX is unsigned and no evidence the borrower received it was found in the file. Allowing for 3 days mailing time and  3 days of mandatory waiting period, the loan should have closed no earlier than XXX. Provide proof borrower received this CD on XXX.

7.20.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery.  This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached. 7.20.18 - Clayton has reviewed clients response and internal documentation to support CD was emailed and received by borrower on XXX has been provided.

7.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX mid score. Min 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX%  Max LTV/CLTV 80% CFCFS2860: Good credit history - Clayton Comments:  all accounts are paid as agreed. XXX days

0993095607

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job since XXX. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has a XXX home with a perfect mortgage history going back to XXX. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI per guidelines is XXX%.  Borrower's actual DTI is XX.XX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post-closing assets in the amount of $699,593.30, which is 59.98 months of PITIA.

0997993072

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Property Valuations

Property

Active

B

B

B

B

PRVAPROP2674

Property Issues Indicated 2

No

Lender exception for XXX with commercial space greater than XXX%, delinquencies greater than XXX%, & investor concentration greater than XXX%. Compensating factors include strong reserves, lower housing payment, minimal revolving credit usage and area has strong XXX market.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI XXX% below 43% maximum guideline CFCFS2854: Significant time in profession - Clayton Comments:  XXX years in profession

0998514552

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $231,129.05 or 70.80 months PITIA, guidelines required 12 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	7/12/18 TO 9/21/18
Deal Loan Count:	1,030
Report Run Date:	11/7/2018 1:15 PM
Conditions Report 2.0
Loans in Report:	1,030
Loans with Conditions:	424

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

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

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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D

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D

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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D

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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D

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Yes

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Yes

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C

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Yes

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Yes

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Yes

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Yes

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B

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Yes

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Yes

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Yes

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D

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Yes

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C

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Yes

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Yes

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Yes

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Yes

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B

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A

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Yes

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A

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Yes

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C

B

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Yes

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Yes

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C

B

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Yes

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B

B

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Yes

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A

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Yes

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D

A

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A

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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A

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Yes

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B

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Yes

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C

A

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Yes

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Yes

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D

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D

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D

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Yes

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B

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Yes

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A

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Yes

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D

A

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Yes

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C

B

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Yes

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A

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Yes

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Yes

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A

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Yes

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B

B

A

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B

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A

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Yes

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A

A

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Yes

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B

B

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Yes

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Yes

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D

A

D

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D

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Yes

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D

B

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Yes

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D

B

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D

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Yes

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B

B

A

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B

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Yes

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A

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Yes

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D

B

D

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B

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D

B

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Yes

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C

B

A

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C

B

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Yes

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A

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Yes

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B

B

A

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B

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A

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Yes

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C

A

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Yes

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A

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Yes

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A

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Yes

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A

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Yes

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Yes

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Yes

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Yes

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C

B

B

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A

B

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Yes

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D

A

D

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C

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D

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Yes

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C

B

A

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Yes

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A

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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B

B

A

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Yes

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D

B

D

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D

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Yes

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Yes

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Yes

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Yes

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Yes

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B

B

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Yes

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B

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Yes

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B

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Yes

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Yes

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Yes

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C

B

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C

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Yes

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Yes

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A

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Yes

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B

B

A

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B

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0340298639

Yes

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A

A

A

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A

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A

A

A

A

A

0340498050

Yes

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D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

0342354538

Yes

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0343868694

Yes

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C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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0345305171

Yes

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0345430447

Yes

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A

A

A

A

A

A

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A

A

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0346268595

Yes

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

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0346398451

Yes

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A

A

A

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A

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A

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0346404048

Yes

XXXXXX

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C

B

B

B

A

A

C

A

C

B

B

B

A

A

C

A

0347742930

Yes

XXXXXX

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C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

0348213768

Yes

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A

A

A

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0349389618

Yes

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A

A

A

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0349765467

Yes

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A

A

A

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0350933991

Yes

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A

A

A

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0351041115

Yes

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A

A

A

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0351358753

Yes

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A

A

A

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0353621792

Yes

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A

A

A

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0356004782

Yes

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A

A

A

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0356621124

Yes

XXXXXX

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B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

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0356876357

Yes

XXXXXX

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A

A

A

A

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A

A

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A

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0358089147

Yes

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A

A

A

A

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A

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A

A

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0358227464

Yes

XXXXXX

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A

A

A

A

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A

A

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A

A

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0359019937

Yes

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A

A

A

A

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A

A

A

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A

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0359455693

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0359603213

Yes

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A

A

A

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A

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A

A

A

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0361100646

Yes

XXXXXX

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B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

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0362129802

Yes

XXXXXX

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A

A

A

A

A

A

A

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A

A

A

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0363307697

Yes

XXXXXX

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A

A

A

A

A

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A

A

A

A

A

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A

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0364125587

Yes

XXXXXX

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C

B

B

B

C

A

A

A

C

B

B

B

C

B

A

A

0364196738

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

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0364678382

Yes

XXXXXX

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A

A

A

A

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A

A

A

A

A

A

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0365564518

Yes

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A

A

A

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A

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A

A

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0367424726

Yes

XXXXXX

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B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0367470668

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

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0368149995

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0368346743

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

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0368633683

Yes

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A

A

A

A

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A

A

A

A

A

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0370184520

Yes

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A

A

A

A

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A

A

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A

A

A

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A

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0370237469

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0371040414

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0372382648

Yes

XXXXXX

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B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0373185964

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

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A

A

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0373277495

Yes

XXXXXX

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D

B

C

B

A

A

D

B

D

B

C

B

A

A

D

B

0374880185

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0375818181

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

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A

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0376770360

Yes

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A

A

A

A

A

A

A

A

A

A

A

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A

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0379152962

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0380979771

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

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0382131248

Yes

XXXXXX

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C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

0382809856

Yes

XXXXXX

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C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

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0383092811

Yes

XXXXXX

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A

A

A

A

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A

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A

A

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0383510630

Yes

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A

A

A

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A

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A

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0384539096

Yes

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A

A

A

A

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A

A

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A

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0384899216

Yes

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A

A

A

A

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A

A

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A

A

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0385232470

Yes

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0386496006

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0388419822

Yes

XXXXXX

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B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0388567827

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0389824040

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0390729866

Yes

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

0390825297

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0392953550

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0393295272

Yes

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0393500259

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0393553348

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0394032852

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0394744907

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0397861607

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0398169158

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0399366941

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0399878188

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0401045811

Yes

XXXXXX

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B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

0401462979

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0401877363

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0401979293

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0401981444

Yes

XXXXXX

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D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

0402060669

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0402117255

Yes

XXXXXX

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C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

0402213148

Yes

XXXXXX

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B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

0409169662

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0410756764

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0412797289

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

0413937573

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0414546299

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0415330987

Yes

XXXXXX

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C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

0415508042

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

0415869528

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0416231570

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0416516823

Yes

XXXXXX

XXXXXX

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

0418693037

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0419567338

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0421643466

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0421825371

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

0421851165

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

0421853503

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0422177136

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0423671663

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0423882935

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0424472077

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0425033792

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0425146942

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0425736098

Yes

XXXXXX

XXXXXX

C

B

A

A

B

A

C

B

C

B

A

A

B

A

C

B

0427201011

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0427294717

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0427743697

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0427841557

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

0431123640

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

0431564958

Yes

XXXXXX

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D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

0431807538

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0431965661

Yes

XXXXXX

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B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

0432139645

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0433868528

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0434059460

Yes

XXXXXX

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B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0434878811

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

0436451677

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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0436566600

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0437178654

Yes

XXXXXX

XXXXXX

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

0437556392

Yes

XXXXXX

XXXXXX

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

0439289410

Yes

XXXXXX

XXXXXX

D

B

B

B

D

A

B

B

D

B

B

B

D

A

B

B

0439383560

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0440659073

Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

A

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Yes

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A

A

A

A

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A

A

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A

A

A

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Yes

XXXXXX

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A

A

A

A

A

A

A

A

A

A

A

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0444424271

Yes

XXXXXX

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A

A

A

A

A

A

A

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A

A

A

A

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0445057912

Yes

XXXXXX

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A

A

A

A

A

A

A

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A

A

A

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A

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0448992775

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0449513179

Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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A

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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Yes

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A

A

A

A

A

A

A

A

A

A

A

A

A

0940687595

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0941193792

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0942393948

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

0943342751

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0943552244

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

0943656851

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0946190906

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0946819794

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0946947178

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0947169587

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0947295933

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0947596461

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0948252999

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0949271487

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

0950377148

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0950744304

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0951073400

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0952048545

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0955045165

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

0957040283

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0958014311

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0960038203

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0961574925

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

0963686981

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0964126380

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

0965012040

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0965857590

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0966044763

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0966190385

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0966645068

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0966785835

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0967116917

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0968184499

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0968856431

Yes

XXXXXX

XXXXXX

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

0969383340

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0969721013

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

0969827929

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0970079302

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0971073667

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

0972022484

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0972232318

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

0973307040

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

0976531224

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0977471703

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0977661323

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0978753786

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0980488873

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0981403422

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0982345250

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0982443372

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

B

B

B

B

B

B

A

A

B

B

0982720521

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0983111775

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0984572253

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0986661943

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0987162808

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0987404872

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0988200170

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0988947927

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0991274931

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0992354120

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

0993077861

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

0993095607

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0997993072

Yes

XXXXXX

XXXXXX

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

0998514552

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

EX-99.6

Exhibit 99.6

Client Name:	Wells Fargo Bank, N.A.
Client Project Name:	WFMBS 2019-1
Start - End Dates:	7/12/18 to 9/21/18
Deal Loan Count:	1,030
Waived Conditions Summary
Report Run Date:	11/7/2018 11:59

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