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 2019-2 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: May 6, 2019	/s/ Peter R. Diliberti
	Name: Peter R. Diliberti
	Title: President (senior officer in charge of securitization)

EX-99.1

Exhibit 99.1

WFMBS 2019-2

 

April 4, 2019

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	4
Credit Review	4
Property Valuation Review	4
Regulatory Compliance Review	5
Data Integrity	6
Data Capture	6
Data Compare Results	7
Clayton Due Diligence Results	7
Clayton Third Party Reports Delivered	9
Appendix A: Credit Review Scope	10
Appendix B: Origination Appraisal Assessment	13
Appendix C: Regulatory Compliance Review Scope	16

WFMBS 2019-2 Due Diligence Narrative Report Page | 1 April 4, 2019

 

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 2019-2). The loans referenced in this narrative report were reviewed from 04-2017 to 03-2019 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	54	6.19%
Correspondent Flow with delegated underwriting	140	16.04%
Retail	679	77.77%
Total	873	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 agency¹ 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

WFMBS 2019-2 Due Diligence Narrative Report Page | 2 April 4, 2019

 

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	873	Clayton performed a Full Review based on the scope described below in  the section titled “TPR Component Review Scope”.
Total Loan  Population	873

Sponsor Acquisition Criteria

The loans were originated to Guidelines and Clayton reviewed the loans to the, Wells Fargo Combined Guidelines 4.2017 (Retail and Correspondent), Wells Fargo Non-Conforming Seller Guide 6.2018 part 1 and 2. (Correspondent), Wells Fargo Non-Conforming Seller Guide 11.2018 (Correspondent), Wells Fargo Non-Agency Underwriting Guidelines 6.2018 (Retail), Wells Fargo Non-Agency Underwriting Guidelines 12.2018 (Retail), Wells Fargo Non-Agency Underwriting Guidelines 2.2019 (Retail). 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.

WFMBS 2019-2 Due Diligence Narrative Report Page | 3 April 4, 2019

 

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.

 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 2^nd 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.

- 873 loans had Desktop Reviews

- 15 loans reqired a Field Review (1 loan had a second Field Review)

Clayton did have independent access to the Desktop Reviews and or Field Reviews for all loans in this population.

WFMBS 2019-2 Due Diligence Narrative Report Page | 4 April 4, 2019

 

 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;

§ 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.

OF NOTE:  As of October 3, 2015 (“TRID Effective Date”), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel’s interpretations of the published regulations as of the TRID Effective Date.  Clayton’s scope was commercially reasonable as it relates to a Third Party Review (“TPR”) firms role as TPR conducting an independent third-party pre-securitization due diligence review (“Initial TRID Scope”).  The Initial TRID Scope was created with guidance from outside counsel. 

WFMBS 2019-2 Due Diligence Narrative Report Page | 5 April 4, 2019

 

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope © documentation, developed under the leadership of members from Third Party Review (“TPR”) firms across the industry and SFIG’s RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act (“TILA) – Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure (“TRID”) Rule (78 FR 79730, as amended).  RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

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;

§ 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.

WFMBS 2019-2 Due Diligence Narrative Report Page | 6 April 4, 2019

 

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	#	Accuracy %
Borrower 1 First Time Home Buyer	19	97.82%
Borrower 1 Self Employed Flag	21	97.59%
Cash Reserves*	35	0.00%
Combined LTV	12	98.63%
Debt to Income Ratio (Back)	77	91.18%
First Payment Date	2	99.77%
Loan Purpose	1	99.89%
Maturity Date	2	99.77%
Original Appraised Value	17	98.05%
Original LTV	6	99.31%
Product Type	1	99.89%
Property Type	34	96.11%
Representative Credit Score for Grading	18	97.94%
Sales Price	9	98.97%
Securitization Total Cash Out	25	97.14%
Total Cash Out	1	99.89%

*Note: For Cash Reserves, Clayton randomly selected 35 Retail loans from the population. Those differences are disclosed on the Loan Level Tape Compare Upload.

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	330	6	36	141	513
	B		196	54	104	354
	C			6		6
	D					0
	Total	330	202	96	245	873

WFMBS 2019-2 Due Diligence Narrative Report Page | 7 April 4, 2019

 

*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	589	31	27	86	733
	B		111	9	20	140
	C					0
	D					0
	Total	589	142	36	106	873

Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	723	2	40	89	854
	B		10	4	1	15
	C			4		4
	D					0
	Total	723	12	48	90	873

Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	520	3	13	68	604
	B		188	35	44	267
	C			2		2
	D					0
	Total	520	191	50	112	873

WFMBS 2019-2 Due Diligence Narrative Report Page | 8 April 4, 2019

 

Clayton Third Party Reports Delivered

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. ATR/QM Data Fields Report

6. Waived Conditions Summary

8. ASF Upload

9. Attestation Forms

WFMBS 2019-2 Due Diligence Narrative Report Page | 9 April 4, 2019

 

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

WFMBS 2019-2 Due Diligence Narrative Report Page | 10 April 4, 2019

 

§ 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

WFMBS 2019-2 Due Diligence Narrative Report Page | 12 April 4, 2019

 

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.

WFMBS 2019-2 Due Diligence Narrative Report Page | 13 April 4, 2019

 

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

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

WFMBS 2019-2 Due Diligence Narrative Report Page | 14 April 4, 2019

 

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.

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.

WFMBS 2019-2 Due Diligence Narrative Report Page | 15 April 4, 2019

 

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”).

WFMBS 2019-2 Due Diligence Narrative Report Page | 16 April 4, 2019

 

§ Timing Requirements:

· 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.

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· 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.

§ 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
Maine	Minnesota

WFMBS 2019-2 Due Diligence Narrative Report Page | 18 April 4, 2019

 

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.

WFMBS 2019-2 Due Diligence Narrative Report Page | 19 April 4, 2019

 

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.)

WFMBS 2019-2 Due Diligence Narrative Report Page | 20 April 4, 2019

 

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.

© 2019 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 2019-2 Due Diligence Narrative Report Page | 21 April 4, 2019

EX-99.2

Exhibit 99.2

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	4/2017 - 3/2019
Deal Loan Count:	873
Loan Level Tape Compare Upload
Loans in Report	873

Alt Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
0866003330	XXXXXX	Cash Reserves	314824.62	320661.18
0097950249	XXXXXX	Property Type	SFR-Attached	Townhouse
0122246780	XXXXXX	Cash Reserves	844815.35	1019389.80
0122246780	XXXXXX	Debt to Income Ratio (Back)	18.3600	20.5301
0586813475	XXXXXX	Property Type	Low Rise Condo (1-4)	Site Condo
0390281663	XXXXXX	Cash Reserves	115690.14	116653.09
0931515883	XXXXXX	Debt to Income Ratio (Back)	36.3300	25.2082
0931515883	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0415908317	XXXXXX	Debt to Income Ratio (Back)	28.9300	31.6635
0991184186	XXXXXX	Debt to Income Ratio (Back)	29.1900	35.7280
0991184186	XXXXXX	Sales Price	XXXXXX	XXXXXX
0982426753	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0976739353	XXXXXX	First Payment Date	XXXXXX	XXXXXX
0976739353	XXXXXX	Maturity Date	XXXXXX	XXXXXX
0723608060	XXXXXX	Cash Reserves	265436.07	266612.74
0206257937	XXXXXX	Property Type	SFR-Attached	Townhouse
0385403241	XXXXXX	Property Type	SFR-Attached	Townhouse
0528237958	XXXXXX	Cash Reserves	621532.01	627615.64
0528237958	XXXXXX	Property Type	Low Rise Condo (1-4)	Site Condo
0395324964	XXXXXX	Cash Reserves	109429.49	110124.49
0449584471	XXXXXX	Representative Credit Score for Grading	779	771
0382480555	XXXXXX	Debt to Income Ratio (Back)	42.8300	37.0326
0932172362	XXXXXX	Debt to Income Ratio (Back)	15.8100	18.1281
0161895235	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0161895235	XXXXXX	Cash Reserves	911381.77	912309.32
0161895235	XXXXXX	First Payment Date	XXXXXX	XXXXXX
0161895235	XXXXXX	Maturity Date	XXXXXX	XXXXXX
0247304399	XXXXXX	Debt to Income Ratio (Back)	36.8500	33.5126
0247304399	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0249616260	XXXXXX	Property Type	SFR-Attached	Townhouse
0643588114	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0769873862	XXXXXX	Debt to Income Ratio (Back)	36.3400	38.7017
0554085851	XXXXXX	Cash Reserves	225265.63	227066.47
0749249458	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0455739746	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0223628689	XXXXXX	Cash Reserves	81426.98	81427.92
0045251489	XXXXXX	Debt to Income Ratio (Back)	37.0900	32.0903
0868906278	XXXXXX	Cash Reserves	422437.81	423605.81
0972883035	XXXXXX	Cash Reserves	207363.19	207674.73
0121405639	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0575082727	XXXXXX	Cash Reserves	314483.29	322178.30
0140300600	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0140300600	XXXXXX	Debt to Income Ratio (Back)	41.6800	38.9805
0910463076	XXXXXX	Cash Reserves	91997.09	92024.97
0192180219	XXXXXX	Debt to Income Ratio (Back)	24.1200	26.5412
0619171641	XXXXXX	Cash Reserves	180923.81	181536.93
0923479161	XXXXXX	Debt to Income Ratio (Back)	11.5100	13.6640
0588880336	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0594268079	XXXXXX	Representative Credit Score for Grading	797	808
0572574284	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0090205781	XXXXXX	Debt to Income Ratio (Back)	38.4300	36.1337
0090205781	XXXXXX	Securitization Total Cash Out	262003.03	259120.09
0501021159	XXXXXX	Cash Reserves	106765.28	106764.16
0501021159	XXXXXX	Combined LTV	77.97	68.27
0501021159	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0501021159	XXXXXX	Original LTV	77.97	68.27
0710315655	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0391390410	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0078288962	XXXXXX	Debt to Income Ratio (Back)	23.0800	30.1859
0036912651	XXXXXX	Debt to Income Ratio (Back)	31.8300	29.6546
0288809972	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0323956289	XXXXXX	Cash Reserves	361139.35	362134.35
0323956289	XXXXXX	Combined LTV	79.95	69.32
0285573149	XXXXXX	Cash Reserves	208023.77	208398.46
0285573149	XXXXXX	Property Type	SFR-Attached	Detached PUD
0990231170	XXXXXX	Debt to Income Ratio (Back)	36.2700	39.1121
0560810451	XXXXXX	Debt to Income Ratio (Back)	31.0200	33.0971
0831621822	XXXXXX	Debt to Income Ratio (Back)	42.3300	39.9299
0831621822	XXXXXX	Sales Price	XXXXXX	XXXXXX
0202102695	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
0657801531	XXXXXX	Representative Credit Score for Grading	791	790
0843040994	XXXXXX	Securitization Total Cash Out	507450.02	508041.02
0398395362	XXXXXX	Debt to Income Ratio (Back)	22.1000	29.0692
0929272456	XXXXXX	Debt to Income Ratio (Back)	28.5300	31.7142
0107407157	XXXXXX	Cash Reserves	151751.30	152214.73
0628043479	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0437479604	XXXXXX	Securitization Total Cash Out	447099.26	296182.28
0660346123	XXXXXX	Debt to Income Ratio (Back)	38.7700	40.8232
0660346123	XXXXXX	Property Type	SFR-Attached	Townhouse
0516937536	XXXXXX	Property Type	SFR-Attached	Townhouse
0604674077	XXXXXX	Cash Reserves	696527.32	688517.50
0604674077	XXXXXX	Representative Credit Score for Grading	775	767
0873011217	XXXXXX	Securitization Total Cash Out	499403.98	400017.89
0507909046	XXXXXX	Cash Reserves	116972.85	113032.33
0154178144	XXXXXX	Debt to Income Ratio (Back)	35.0300	29.4156
0744778724	XXXXXX	Property Type	Detached PUD	Townhouse
0007912213	XXXXXX	Securitization Total Cash Out	167787.49	73687.51
0299021043	XXXXXX	Debt to Income Ratio (Back)	25.7200	31.7218
0299021043	XXXXXX	Securitization Total Cash Out	105864.16	105687.06
0974600212	XXXXXX	Combined LTV	80.00	68.75
0974600212	XXXXXX	Debt to Income Ratio (Back)	21.9400	19.0762
0437100597	XXXXXX	Securitization Total Cash Out	777047.09	777592.01
0536289261	XXXXXX	Sales Price	XXXXXX	XXXXXX
0575074147	XXXXXX	Combined LTV	53.68	41.57
0820331274	XXXXXX	Property Type	SFR-Attached	Low Rise Condo (1-4)
0399718061	XXXXXX	Debt to Income Ratio (Back)	32.9100	35.4051
0734867915	XXXXXX	Securitization Total Cash Out	83529.53	83457.08
0726190507	XXXXXX	Debt to Income Ratio (Back)	23.1400	35.6841
0819612696	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0860041515	XXXXXX	Debt to Income Ratio (Back)	31.6000	34.0711
0587116932	XXXXXX	Sales Price	XXXXXX	XXXXXX
0168741568	XXXXXX	Cash Reserves	48398.10	45677.37
0046632258	XXXXXX	Property Type	SFR-Attached	Townhouse
0466663982	XXXXXX	Securitization Total Cash Out	298456.07	47812.56
0374806845	XXXXXX	Property Type	SFR-Attached	Townhouse
0554394808	XXXXXX	Combined LTV	66.54	65.38
0554394808	XXXXXX	Original LTV	66.54	65.38
0373231576	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0544720096	XXXXXX	Combined LTV	67.91	69.98
0544720096	XXXXXX	Original LTV	67.91	69.98
0520041378	XXXXXX	Debt to Income Ratio (Back)	33.2900	36.6276
0520041378	XXXXXX	Securitization Total Cash Out	501.41	347.15
0908083187	XXXXXX	Combined LTV	36.26	26.32
0908083187	XXXXXX	Securitization Total Cash Out	102655.50	100737.60
0855248616	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0886672990	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0696709282	XXXXXX	Cash Reserves	100438.36	107768.08
0659177551	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0664527182	XXXXXX	Property Type	SFR	Detached PUD
0573202014	XXXXXX	Combined LTV	80.00	78.33
0573202014	XXXXXX	Original LTV	80.00	78.33
0573202014	XXXXXX	Sales Price	XXXXXX	XXXXXX
0226843777	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0727209542	XXXXXX	Debt to Income Ratio (Back)	33.1000	30.4635
0666027971	XXXXXX	Property Type	Rowhouse	Townhouse
0576543046	XXXXXX	Property Type	SFR-Attached	Townhouse
0216433723	XXXXXX	Securitization Total Cash Out	116822.94	116768.54
0594193108	XXXXXX	Debt to Income Ratio (Back)	31.5900	34.3340
0902437085	XXXXXX	Cash Reserves	70572.65	70628.50
0231440010	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0231440010	XXXXXX	Property Type	SFR	SFR-Attached
0721098100	XXXXXX	Combined LTV	70.25	64.07
0855091104	XXXXXX	Property Type	SFR-Attached	Townhouse
0868226232	XXXXXX	Cash Reserves	1127253.62	1151412.87
0032021536	XXXXXX	Debt to Income Ratio (Back)	34.2200	36.6012
0691481305	XXXXXX	Debt to Income Ratio (Back)	33.3700	36.1355
0174311076	XXXXXX	Debt to Income Ratio (Back)	39.7800	42.4597
0662766200	XXXXXX	Debt to Income Ratio (Back)	29.8400	39.2974
0350418081	XXXXXX	Cash Reserves	112054.50	108291.50
0262452669	XXXXXX	Securitization Total Cash Out	36452.58	32439.78
0745911260	XXXXXX	Cash Reserves	359219.38	76798.63
0745911260	XXXXXX	Debt to Income Ratio (Back)	22.2800	33.1232
0982108453	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
0349497584	XXXXXX	Debt to Income Ratio (Back)	39.6200	42.8433
0222239687	XXXXXX	Property Type	SFR-Attached	Townhouse
0290415222	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0876999017	XXXXXX	Debt to Income Ratio (Back)	35.1100	41.9197
0558018328	XXXXXX	Debt to Income Ratio (Back)	29.7700	40.7787
0089478358	XXXXXX	Debt to Income Ratio (Back)	28.6500	26.3554
0108647604	XXXXXX	Securitization Total Cash Out	208959.13	8029.13
0957271457	XXXXXX	Representative Credit Score for Grading	779	768
0315259472	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0434979370	XXXXXX	Cash Reserves	134207.91	135875.34
0422921317	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0422921317	XXXXXX	Securitization Total Cash Out	586143.71	393682.09
0880542793	XXXXXX	Debt to Income Ratio (Back)	39.6800	42.0016
0372950021	XXXXXX	Debt to Income Ratio (Back)	38.7800	36.3704
0471368342	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0471368342	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0471368342	XXXXXX	Sales Price	XXXXXX	XXXXXX
0669773366	XXXXXX	Debt to Income Ratio (Back)	41.3000	38.4717
0998935321	XXXXXX	Debt to Income Ratio (Back)	42.7700	38.9480
0532595975	XXXXXX	Property Type	SFR-Attached	Townhouse
0617458857	XXXXXX	Securitization Total Cash Out	487923.20	485000.60
0665937654	XXXXXX	Cash Reserves	280907.34	282250.37
0457379081	XXXXXX	Debt to Income Ratio (Back)	41.0400	38.6099
0764201758	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0231508617	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
0965848538	XXXXXX	Debt to Income Ratio (Back)	32.0200	34.7756
0965848538	XXXXXX	Securitization Total Cash Out	163543.59	161758.39
0844935682	XXXXXX	Cash Reserves	770895.99	782785.60
0844935682	XXXXXX	Securitization Total Cash Out	452244.17	42713.45
0371029564	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0452570507	XXXXXX	Cash Reserves	643301.94	646609.73
0467686019	XXXXXX	Cash Reserves	123735.97	122751.15
0467686019	XXXXXX	Property Type	SFR-Attached	Townhouse
0523046095	XXXXXX	Securitization Total Cash Out	452917.51	63758.82
0754671658	XXXXXX	Cash Reserves	99623.47	94884.48
0106966830	XXXXXX	Securitization Total Cash Out	70964.60	70964.30
0200480362	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
0436117489	XXXXXX	Securitization Total Cash Out	201173.38	200362.93
0430849406	XXXXXX	Securitization Total Cash Out	43006.49	43006.51
0303140004	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0758412649	XXXXXX	Sales Price	XXXXXX	XXXXXX
0056137703	XXXXXX	Cash Reserves	75627.93	76882.87
0536315948	XXXXXX	Product Type	30 Yr Fixed	25 Yr Fixed
0471297979	XXXXXX	Property Type	SFR-Attached	Townhouse
0693207177	XXXXXX	Combined LTV	79.60	78.55
0693207177	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0693207177	XXXXXX	Original LTV	79.60	78.55
0586527468	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0231358503	XXXXXX	Debt to Income Ratio (Back)	22.2600	25.9503
0334441728	XXXXXX	Property Type	Rowhouse	Detached PUD
0574593765	XXXXXX	Sales Price	XXXXXX	XXXXXX
0294828765	XXXXXX	Combined LTV	80.00	67.72
0796419736	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0796419736	XXXXXX	Securitization Total Cash Out	484805.36	483407.52
0255740278	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
0735792866	XXXXXX	Property Type	SFR-Attached	Townhouse
0047392994	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
0588419744	XXXXXX	Debt to Income Ratio (Back)	26.5400	29.2539
0643662010	XXXXXX	Securitization Total Cash Out	142964.86	142903.73
0838029210	XXXXXX	Cash Reserves	164313.64	165830.82
0838029210	XXXXXX	Property Type	SFR-Attached	Townhouse
0843435281	XXXXXX	Securitization Total Cash Out	121860.59	38049.30
0013041530	XXXXXX	Cash Reserves	220937.77	205338.86
0637034047	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0575545313	XXXXXX	Debt to Income Ratio (Back)	30.6300	34.3412
0314929756	XXXXXX	Property Type	SFR-Attached	Townhouse
0526981088	XXXXXX	Property Type	SFR-Attached	Townhouse
0212836684	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0168761018	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0288006722	XXXXXX	Sales Price	XXXXXX	XXXXXX
0791555703	XXXXXX	Debt to Income Ratio (Back)	8.6600	12.2652
0790737800	XXXXXX	Representative Credit Score for Grading	735	744
0930820166	XXXXXX	Representative Credit Score for Grading	790	786
0265271326	XXXXXX	Debt to Income Ratio (Back)	40.7600	38.0443
0282885555	XXXXXX	Debt to Income Ratio (Back)	40.2600	36.6944
0997640141	XXXXXX	Debt to Income Ratio (Back)	38.9600	42.0954
0979692510	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0719628650	XXXXXX	Representative Credit Score for Grading	786	796
0633433369	XXXXXX	Debt to Income Ratio (Back)	59.6100	24.9555
0120638058	XXXXXX	Debt to Income Ratio (Back)	49.1500	41.8845
0166728721	XXXXXX	Debt to Income Ratio (Back)	40.7200	30.6672
0166728721	XXXXXX	Representative Credit Score for Grading	804	800
0724444163	XXXXXX	Representative Credit Score for Grading	810	809
0113922488	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0113922488	XXXXXX	Debt to Income Ratio (Back)	42.1200	37.3985
0001163778	XXXXXX	Representative Credit Score for Grading	801	791
0926895109	XXXXXX	Property Type	Low Rise Condo (1-4)	Mid Rise Condo  (5-8)
0521056937	XXXXXX	Debt to Income Ratio (Back)	31.2500	28.1400
0221946045	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0979464051	XXXXXX	Debt to Income Ratio (Back)	41.0600	35.0173
0361873931	XXXXXX	Representative Credit Score for Grading	791	797
0941851475	XXXXXX	Debt to Income Ratio (Back)	21.3900	33.6900
0941851475	XXXXXX	Representative Credit Score for Grading	778	781
0882845947	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0412335180	XXXXXX	Debt to Income Ratio (Back)	34.1100	37.7283
0797531738	XXXXXX	Debt to Income Ratio (Back)	42.9900	40.2196
0797531738	XXXXXX	Representative Credit Score for Grading	778	771
0191197136	XXXXXX	Debt to Income Ratio (Back)	35.0700	24.7248
0886441859	XXXXXX	Property Type	SFR	Detached PUD
0784083304	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0784083304	XXXXXX	Debt to Income Ratio (Back)	20.3300	27.5114
0012057045	XXXXXX	Debt to Income Ratio (Back)	35.5100	40.4290
0984205192	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0494417722	XXXXXX	Debt to Income Ratio (Back)	38.7000	33.7925
0053684737	XXXXXX	Debt to Income Ratio (Back)	37.1400	29.5873
0748321585	XXXXXX	Debt to Income Ratio (Back)	28.5800	17.1510
0791462970	XXXXXX	Representative Credit Score for Grading	759	763
0763907264	XXXXXX	Debt to Income Ratio (Back)	37.9500	30.2165
0134978105	XXXXXX	Debt to Income Ratio (Back)	41.1100	38.7723
0941588760	XXXXXX	Debt to Income Ratio (Back)	38.3900	36.2346
0454243427	XXXXXX	Representative Credit Score for Grading	789	781
0579585279	XXXXXX	Debt to Income Ratio (Back)	38.1400	42.5474
0382890872	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
0962698162	XXXXXX	Loan Purpose	Rate and Term Refi	Cashout Refi
0981328938	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0285894907	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0732204404	XXXXXX	Property Type	SFR	SFR-Attached
0346099064	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0998293684	XXXXXX	Combined LTV	71.28	67.96
0998293684	XXXXXX	Original LTV	71.28	67.96
0311263328	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0954803271	XXXXXX	Total Cash Out	197463.03	198017.46
0988558586	XXXXXX	Property Type	Low Rise Condo (1-4)	Detached PUD
0007425369	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
0873257879	XXXXXX	Debt to Income Ratio (Back)	33.7100	36.5983
0877263755	XXXXXX	Debt to Income Ratio (Back)	32.3500	37.0352
0760685684	XXXXXX	Property Type	SFR-Attached	SFR
0951039674	XXXXXX	Property Type	SFR-Attached	Townhouse
0158291589	XXXXXX	Representative Credit Score for Grading	752	798
0600689138	XXXXXX	Debt to Income Ratio (Back)	27.5500	34.1448
0600689138	XXXXXX	Representative Credit Score for Grading	752	814
0334977527	XXXXXX	Borrower 1 Self Employed Flag	No	Yes
0949020253	XXXXXX	Property Type	Low Rise Condo (1-4)	Mid Rise Condo  (5-8)
0374580899	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
0374580899	XXXXXX	Debt to Income Ratio (Back)	36.3000	38.9295
0349220317	XXXXXX	Debt to Income Ratio (Back)	35.6100	40.5668
0217252699	XXXXXX	Debt to Income Ratio (Back)	28.4700	23.8217

EX-99.3

Exhibit 99.3

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	04/2017 - 03/2019
Deal Loan Count:	873
Rating Agency ATR QM Data Fields
Loans in Report:	873

Alt 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

0866003330

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2736

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0374580899

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4293

XXXXXX

3.6595

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0152790510

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2022

XXXXXX

4.2876

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0349220317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7450

XXXXXX

4.1993

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0217252699

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1050

XXXXXX

4.0329

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0298446113

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

48.12

XXXXXX

3.8881

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0987150934

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3627

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0097950249

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1709.61

XXXXXX

4.3989

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0122246780

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

567.5

XXXXXX

4.51

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0586813475

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3041.58

XXXXXX

4.8996

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0168923622

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2055

XXXXXX

4.2865

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0290833115

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1637.38

XXXXXX

4.6385

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0926571932

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3740

XXXXXX

4.7027

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0515712619

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2389.8

XXXXXX

4.5457

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0951123879

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.3905

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0998293684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5668

XXXXXX

4.4343

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0166774779

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

645

XXXXXX

4.2361

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0390281663

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.7498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0061977864

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5380

XXXXXX

4.4497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0448252008

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1130

XXXXXX

4.6534

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0873785296

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1539.09

XXXXXX

4.3873

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0071542609

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.502

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0005594888

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

845

XXXXXX

4.763

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0513994903

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5383

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0931515883

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7475

XXXXXX

4.6015

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0256478749

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1707

XXXXXX

4.4944

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0307138297

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5950

XXXXXX

4.3714

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0749836224

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1741.44

XXXXXX

4.804

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0415908317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12645

XXXXXX

4.852

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0991184186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5215

XXXXXX

4.4341

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0982426753

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

17812.05

XXXXXX

4.5084

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0976739353

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

860.45

XXXXXX

4.3854

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0723608060

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

656.25

XXXXXX

4.5045

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0941217897

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6273

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0449786410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2507.7

XXXXXX

4.2674

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0311263328

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4777.5

XXXXXX

4.4192

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0350401130

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

711.83

XXXXXX

4.2604

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0206257937

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

576.75

XXXXXX

4.2601

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0485059709

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

180

XXXXXX

4.2702

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0418741569

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6282

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0385403241

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.8609

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0528237958

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6392.92

XXXXXX

4.2836

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0395324964

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0825692195

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

691.94

XXXXXX

4.4006

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0259875719

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2011.25

XXXXXX

4.2815

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0952965419

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7211.7

XXXXXX

4.3396

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0134204939

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6383.15

XXXXXX

4.2187

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0449584471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5313

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0382480555

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

435

XXXXXX

4.3932

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0477133597

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2095

XXXXXX

4.2876

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0513281531

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5499.9

XXXXXX

4.3733

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0932172362

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2469.44

XXXXXX

4.2756

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0161895235

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.482

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0106983769

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.3982

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0299827552

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2293

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0954803271

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2270

XXXXXX

4.3995

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

0247304399

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2050

XXXXXX

4.526

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0249616260

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

750

XXXXXX

4.8781

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0193140084

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.625

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0661241338

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

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

0587738015

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2312

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0407759214

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

949

XXXXXX

4.397

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0643588114

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4875.08

XXXXXX

4.4444

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0769873862

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3520

XXXXXX

4.7973

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0561724556

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

660.49

XXXXXX

4.7703

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0145272423

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.7649

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0206665664

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1795

XXXXXX

4.4151

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0795755544

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4957

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0302005773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3739

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0931616791

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4139

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0796489744

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2522

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0744663449

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2421

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0554085851

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2471.45

XXXXXX

4.5618

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0362946673

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2120

XXXXXX

4.2592

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0789101482

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2293

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0540910363

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2277.88

XXXXXX

4.406

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0524392112

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

357.5

XXXXXX

4.5262

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0749249458

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.656

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0184259453

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0131276373

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0919362634

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2322

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0455739746

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5784.31

XXXXXX

4.4406

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0092515144

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4788

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0168383830

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1895.31

XXXXXX

4.4204

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0760693292

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4152

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0223628689

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

270

XXXXXX

4.4078

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0054467997

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

582.5

XXXXXX

4.4266

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0045251489

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2332

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0123835864

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5014

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0437037271

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8607.5

XXXXXX

4.388

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0614502550

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2695

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0868906278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0875542300

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.5327

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0972883035

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4022

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0121405639

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1009.9

XXXXXX

4.9346

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0575082727

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2803

XXXXXX

4.7946

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0516514516

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

268.44

XXXXXX

4.2696

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0140300600

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2481.38

XXXXXX

4.2938

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0875073691

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4957

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0835422106

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.3747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0865231802

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.7789

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0345401219

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2325

XXXXXX

4.4096

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0910463076

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2679

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0192180219

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3647

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0943813112

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5144

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0619171641

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0923479161

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2716

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0320294073

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4118

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0733168130

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

679.57

XXXXXX

4.2581

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0086101494

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0079807824

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0929754490

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4012

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0570717676

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2102.75

XXXXXX

4.5471

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0425138382

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.3888

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0544905154

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.6663

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0634171987

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7477

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0884578194

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5017

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0432453845

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2985

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0967289564

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5280

XXXXXX

4.3338

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0206310939

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

270

XXXXXX

4.5389

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0964476285

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.6498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0663325837

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.5389

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0561526780

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

508

XXXXXX

4.5

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0343496520

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4592

XXXXXX

4.3258

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0124989229

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3994

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0588880336

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5976

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0743162160

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2610

XXXXXX

4.3055

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0345824205

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

475

XXXXXX

4.2501

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0284951039

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1570

XXXXXX

4.7696

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0123924729

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3902

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0594268079

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2983

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0988778191

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

475

XXXXXX

4.3662

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0263638232

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1230

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0572574284

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0567386122

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.6473

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0035053314

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

500

XXXXXX

4.7513

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0634915496

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

258.75

XXXXXX

4.2709

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0670644495

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0224355163

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

495.44

XXXXXX

4.3575

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0198481897

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1710

XXXXXX

4.5475

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0986059904

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0624162683

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3596

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0436638295

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4333

XXXXXX

4.6594

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0071109213

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4883

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0929564003

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0697003292

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6365

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0090205781

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7296

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0944327586

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

635

XXXXXX

4.6421

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0698175684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

991.29

XXXXXX

4.2768

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0501021159

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2560

XXXXXX

4.6892

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0834597450

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.7711

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0357305167

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.5318

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0841636145

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.25

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0596613821

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

825

XXXXXX

4.6427

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0710315655

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4989

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0616694527

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3596

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0885314307

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3555

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0465606312

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3738

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0487279121

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6263

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0326043555

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.5355

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0450662646

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0210952107

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0391390410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3421.56

XXXXXX

4.5512

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0611533290

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5199

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0029316843

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3751

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

0

0078288962

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1690.41

XXXXXX

4.384

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0036912651

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.6537

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0614091908

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1755.56

XXXXXX

4.3745

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0376792966

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6508

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0288809972

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.6487

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0261744185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2663

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0707993290

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

180

XXXXXX

4.5178

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0797720531

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3704

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0376161016

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1622.38

XXXXXX

4.6756

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0395398061

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7341

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0050459493

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0323956289

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2066.5

XXXXXX

4.4165

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0724513934

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7774

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0263877348

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1305

XXXXXX

4.4088

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0190322237

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.5468

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0285573149

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0273726232

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.268

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0990231170

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3555

XXXXXX

4.2697

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0971264255

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2508

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0560810451

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1230

XXXXXX

4.2667

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0831621822

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2381

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0178255154

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1563.75

XXXXXX

4.4244

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0855319459

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.6372

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0836045827

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2713

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0947407241

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6523

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0458302017

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0876421269

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6352.5

XXXXXX

4.6694

Unemployed

(No Data)

U.S. Citizen

(No Data)

No

0

0947432818

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0597236848

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4947

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0708998352

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3040

XXXXXX

4.4462

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0822540006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3410

XXXXXX

4.3161

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0202102695

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.7773

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0977486583

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5727

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0252573373

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7587

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0276767090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

805

XXXXXX

4.2604

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0657801531

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1005

XXXXXX

4.7706

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0011791318

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4079

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0295936226

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2641

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0190758447

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7262

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0171169980

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3744

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0939036203

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0843040994

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.6472

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0231596631

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5033

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0289249831

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.8792

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0637293476

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.6513

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0398395362

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

930

XXXXXX

4.6469

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0929272456

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2936

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0107407157

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

580

XXXXXX

4.6456

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0528927614

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

578

XXXXXX

4.2501

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0628043479

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2915

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0013877824

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2509

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0800763712

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4883

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0298621254

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

648.75

XXXXXX

4.5191

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0437479604

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5327

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0577666941

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

427

XXXXXX

4.5206

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0126671834

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4103

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0419873185

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

35

XXXXXX

4.5005

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0901009741

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.5922

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0079774326

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0299662601

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2411

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0120763693

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2390

XXXXXX

4.4134

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0660346123

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4891

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0071838600

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.6509

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0510322427

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

969.25

XXXXXX

4.3951

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0801284849

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0516937536

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.4053

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0031832057

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4841

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0604674077

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1675

XXXXXX

4.7859

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0852215225

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.243

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0342023651

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

485

XXXXXX

4.2858

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0811550314

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3783

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0386697006

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3743

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0082409404

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

5.3565

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0323631670

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1179

XXXXXX

4.5248

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0657930696

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0939773890

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3712

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0724725071

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4333

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0970893152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2783

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0222009879

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1827.38

XXXXXX

4.6504

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0836152327

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.4892

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0212058156

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7454

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0588192382

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

0

0873011217

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6187

Unemployed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0257527471

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

752

XXXXXX

4.2574

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0791528512

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.53

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0507909046

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

140

XXXXXX

5.0167

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0276440502

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

547.5

XXXXXX

4.5095

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0828667916

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3751

XXXXXX

4.6778

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0850415783

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7788.16

XXXXXX

4.3897

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0250301137

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8849

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0723243723

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5412

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0293338264

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

483.8

XXXXXX

4.2742

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0154178144

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7534

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0744778724

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.7859

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0007912213

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1687.5

XXXXXX

4.6632

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0548080182

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.4997

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0435631170

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7739

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0931845744

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.412

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0378555292

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0536455749

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2293

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0403522089

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1849

XXXXXX

4.4112

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0453907860

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.2837

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0837403107

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1105

XXXXXX

4.6407

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0571235340

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.246

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0519753886

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1880

XXXXXX

4.5183

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0737827655

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2515

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0027876992

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3778

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0576431384

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1455

XXXXXX

4.5232

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0679725194

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3949

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0340279052

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.2656

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0030325487

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2568

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0299021043

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4356

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0365732069

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

Non-Resident Alien

(No Data)

No

0

0931481134

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5078

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0656603118

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

679.57

XXXXXX

4.2494

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0696257009

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0116813687

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

679.57

XXXXXX

4.245

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0974600212

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1230

XXXXXX

4.2777

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0437100597

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2514

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0287598545

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2535

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0760746300

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.7847

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0894013279

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5396

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

0

0850667355

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1880

XXXXXX

4.5295

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0536289261

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4799

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0637950422

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0819007849

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4102

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0960159033

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6453

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0575074147

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

647.5

XXXXXX

4.3909

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0820331274

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.2785

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

No

0

0063995625

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6254

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0647029624

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.2784

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0954060484

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2959.06

XXXXXX

4.5541

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0700016312

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2505

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0396407139

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3895

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0420173097

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3989

Employed

Employed

Non-Permanent Resident Alien

U.S. Citizen

No

0

0242279694

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

718.75

XXXXXX

4.2975

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0898678553

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.6572

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0832640726

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3873

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0399718061

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1230

XXXXXX

4.6577

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0977564601

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5102.99

XXXXXX

4.3881

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0818253397

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

430

XXXXXX

4.2903

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0977074268

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

692.5

XXXXXX

4.2789

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0734867915

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

296.25

XXXXXX

4.5164

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0726190507

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1230

XXXXXX

4.2776

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0489025669

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0030988079

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0263356388

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2554

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0819612696

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7495

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0456401257

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6441

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0646163421

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.4064

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0768610190

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4155

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0860041515

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0587116932

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3545

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0994721460

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5152

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0100228207

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.7751

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0432006614

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6249

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0168741568

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0046632258

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

26.25

XXXXXX

4.5173

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0282322121

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12.5

XXXXXX

4.5078

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0665483123

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.2621

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0129024946

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.251

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0466663982

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5226

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0723271264

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6415

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0455132374

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2322

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0040115408

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.2776

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0374806845

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12039.3

XXXXXX

4.3899

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0173118104

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.7296

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0645312263

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7497

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0569393180

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2391

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0554394808

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0760446082

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

566.25

XXXXXX

4.6349

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0373231576

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2224

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0544720096

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0420094785

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1105

XXXXXX

4.5299

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0350612501

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3535

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0420417051

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2785

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0181487895

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2036.99

XXXXXX

4.5713

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0520041378

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

750

XXXXXX

4.6579

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0908083187

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7454

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0352897693

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5976

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0961421250

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.5194

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0463164585

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0855248616

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.3059

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0681212946

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4086

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0886672990

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4872

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0698689331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

685

XXXXXX

4.7497

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0310363424

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6249

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0113431470

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7689

XXXXXX

4.4165

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0696709282

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

52.66

XXXXXX

4.4059

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0173692706

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

480

XXXXXX

4.5125

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0362701432

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

515

XXXXXX

4.2617

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0154528059

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6285

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0659177551

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

646.25

XXXXXX

4.7674

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0666847360

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1525

XXXXXX

4.5277

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0664527182

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.506

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0319886048

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.5267

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0573202014

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

695

XXXXXX

5.1025

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0928682852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

440

XXXXXX

4.267

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0226843777

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.3927

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0194493338

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.4075

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0727209542

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.5209

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0803798433

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3380

XXXXXX

4.2884

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0696816977

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.2923

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0252065477

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

429

XXXXXX

4.2606

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0572570858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0717281111

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0839087305

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0887226403

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0392028306

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1205

XXXXXX

4.2948

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0666027971

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

35

XXXXXX

4.3148

Employed

Unemployed

U.S. Citizen

(No Data)

No

0

0645090628

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4934

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0576543046

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2538

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0070293850

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.4151

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0156814943

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2451

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0145311407

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2230

XXXXXX

4.5613

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0216433723

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

262

XXXXXX

4.2679

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0770972254

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2604

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0694388620

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4795

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0416698173

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0530731001

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3475

XXXXXX

4.6648

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0668229300

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5311

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0431847238

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2517

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0550474321

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1025

XXXXXX

4.4221

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0594193108

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4104

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0974216980

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1983.75

XXXXXX

4.3528

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0384961977

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6201

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0024379122

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0902437085

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1300

XXXXXX

4.6432

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0284907354

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.3747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0891916404

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3763

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0231440010

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.248

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0541963272

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2401

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0721098100

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2809

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0834894606

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.6572

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0855091104

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.4071

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0416221042

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

600

XXXXXX

4.5328

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0099223533

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2407

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0681293770

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0522717334

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1278

XXXXXX

4.4037

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0868226232

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2275

XXXXXX

4.5542

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0600846530

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3559.96

XXXXXX

4.5426

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0032021536

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2970

XXXXXX

4.5298

Employed

Unemployed

U.S. Citizen

Permanent Resident Alien

No

0

0529492752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0458291284

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2262.5

XXXXXX

4.3021

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0241710035

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

338.3

XXXXXX

4.6249

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0990756548

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2864

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0423714874

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2180

XXXXXX

4.4337

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0658942511

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0853275302

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1251.65

XXXXXX

4.4012

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0396640621

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2497

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0673823403

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0999564026

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1179

XXXXXX

4.7733

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0112395865

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2392

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0816156408

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1690

XXXXXX

4.421

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0680680320

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.403

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0322951577

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0691481305

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2270

XXXXXX

4.5478

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0512075698

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1563

XXXXXX

4.402

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0451766898

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1266.5

XXXXXX

4.6744

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0964445297

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3829.9

XXXXXX

4.3052

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0897221660

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

875

XXXXXX

4.6346

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0618438953

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

66.41

XXXXXX

4.501

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0654384582

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1868

XXXXXX

4.4108

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0641690255

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

265

XXXXXX

4.5112

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0937909333

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

376.56

XXXXXX

4.3867

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0657712515

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4036

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0541292879

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0174311076

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

746.56

XXXXXX

4.3988

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0662766200

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5247

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0350418081

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0262452669

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

480

XXXXXX

4.6397

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0651054777

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6247

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0744341268

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.5191

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0647053277

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3957

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0162114164

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.9998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0258077864

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1690

XXXXXX

4.4132

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0745911260

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

751

XXXXXX

4.2672

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0327869426

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0362657126

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3876

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0982108453

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1708

XXXXXX

4.4129

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0827858847

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3495

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0248148686

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

745

XXXXXX

4.5104

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0718816932

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

583

XXXXXX

4.269

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0224455048

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4003

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0349497584

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.5377

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0331088965

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5104

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0239511495

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0660439763

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

650

XXXXXX

4.6247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0980758606

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.5239

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0738813093

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

405.95

XXXXXX

4.6407

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0322157273

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2905

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0727839598

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8636

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0706586537

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

705

XXXXXX

4.6355

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0336271282

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5319

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0222239687

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1344.7

XXXXXX

4.54

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0834479348

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0504641170

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2936.25

XXXXXX

4.811

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0411874888

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1880

XXXXXX

4.3975

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0199378872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0422240270

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2496.5

XXXXXX

4.5424

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0644991807

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7498

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

0

0367669530

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.4028

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0290415222

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.407

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0876999017

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2611

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0558018328

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1225

XXXXXX

4.4074

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0962497752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.7829

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0089478358

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0748507644

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0707617403

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.3984

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0395020656

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1546.54

XXXXXX

4.6583

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0616746858

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

864.33

XXXXXX

4.8736

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0342173134

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1133.03

XXXXXX

4.2419

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0599525784

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2275

XXXXXX

4.6888

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0030777780

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

719.09

XXXXXX

4.8769

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0959719989

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0553140288

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3914

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0108647604

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1700

XXXXXX

4.412

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0895244221

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3982

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0324142333

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7499

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0990196734

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.2672

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0387342804

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7544

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0735667812

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2767

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0360624632

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0780130885

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3739

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0016554138

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2101.2

XXXXXX

4.3012

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0163873482

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5079.4

XXXXXX

4.3281

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0455528221

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1292.5

XXXXXX

4.2983

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0957271457

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

688.75

XXXXXX

4.3995

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0632865476

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.5294

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0265571337

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7573

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0990616234

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1055

XXXXXX

4.2853

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0646187767

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1744

XXXXXX

4.6621

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0039932047

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2887.5

XXXXXX

4.7692

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0633170223

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2501

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0320038313

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.5013

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0315259472

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1870

XXXXXX

5.0121

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0434979370

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.4115

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0552237443

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2835

XXXXXX

4.1733

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0934231652

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

766

XXXXXX

4.2726

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0837409222

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1745

XXXXXX

4.2586

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0431334386

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6082.57

XXXXXX

4.7094

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0609485397

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7565

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0422921317

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1025

XXXXXX

4.5178

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0684664813

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

132.5

XXXXXX

4.2618

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0070490541

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6248

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0873281117

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.3873

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0265127273

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4735

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0646288522

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0880542793

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1130

XXXXXX

4.6543

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0608263447

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1305

XXXXXX

4.6426

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0984402625

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6085

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0573939170

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

735

XXXXXX

4.4998

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0932814654

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5551

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0767976029

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

620

XXXXXX

4.3853

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0312213180

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.273

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0610463230

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.7808

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0372950021

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1784.6

XXXXXX

4.6628

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0040625721

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4043.94

XXXXXX

4.6798

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0770980133

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

435.75

XXXXXX

4.6486

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0471368342

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

703.06

XXXXXX

4.5292

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0669773366

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

450

XXXXXX

4.6414

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0998935321

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

4.2954

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0532595975

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2659

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0279610206

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1958

XXXXXX

4.3748

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0893029376

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5357

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0945329277

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

542.5

XXXXXX

4.5177

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0886884841

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

411

XXXXXX

4.8871

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0240891095

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

295

XXXXXX

4.3862

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0348073654

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0397777166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7478

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0617458857

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6254

Employed

Unemployed

U.S. Citizen

(No Data)

No

0

0042906852

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.2866

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0300650548

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2410

XXXXXX

4.291

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0380037544

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3040

XXXXXX

4.5723

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0723011804

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

975

XXXXXX

4.8966

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0665937654

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0241442928

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5071

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0970051276

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.4081

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0618689222

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3702

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0994909412

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

840.12

XXXXXX

4.5494

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0457379081

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1150

XXXXXX

4.3981

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0562309606

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3791

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0496588040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6247

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0194485968

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2509

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0723503133

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0764201758

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.2656

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0231508617

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0965848538

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

676.25

XXXXXX

4.5237

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0327446432

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.5

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0930293015

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

895

XXXXXX

4.4185

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0811397696

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1065

XXXXXX

4.5304

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0844935682

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7497

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0033341680

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.3914

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0728145278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2265

XXXXXX

4.5461

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0110302468

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0587544594

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

828

XXXXXX

4.2531

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0829250670

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5338

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0422134576

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12.5

XXXXXX

4.5136

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0411468662

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6052

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0487899040

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6243

Employed

Unemployed

Permanent Resident Alien

Permanent Resident Alien

No

0

0371029564

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

70.43

XXXXXX

4.4997

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0703043433

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2505

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0955751818

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

915.4

XXXXXX

4.4059

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0695285029

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3642

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0189574691

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6085

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0791423968

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

595

XXXXXX

4.5106

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0190896581

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.9005

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0419575807

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.235

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0452570507

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1175

XXXXXX

4.6479

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0467686019

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.5309

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0879945866

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3081.52

XXXXXX

4.2959

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0429998559

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

533

XXXXXX

4.4997

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0523046095

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3761

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0754671658

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

495

XXXXXX

4.3751

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0726248637

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6319

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0549628197

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3755

XXXXXX

4.6715

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0125184062

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

4.2777

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0298019032

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.4889

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0106966830

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8956

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0131795145

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0408069552

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.6746

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0229633855

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6471

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0949800671

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3630

XXXXXX

4.6017

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0477573620

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4025

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0200480362

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.5161

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0502741004

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3938

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0436117489

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1270

XXXXXX

4.776

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0792331623

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1075

XXXXXX

4.4052

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0430849406

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

780

XXXXXX

4.3978

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0303140004

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

541

XXXXXX

4.2695

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0927681403

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0758412649

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3566

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0396874281

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0568546164

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1025

XXXXXX

4.4122

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0126660295

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4996

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0056137703

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2072.51

XXXXXX

4.4042

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0234154334

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2270

XXXXXX

4.6562

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0653073936

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1880

XXXXXX

4.2591

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0199151479

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

862.5

XXXXXX

4.3064

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0075648875

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6052

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0526342277

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7488

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0436826166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4365

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0045813220

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

4.7943

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0536315948

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1180

XXXXXX

4.2892

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0471297979

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1470

XXXXXX

4.4315

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0612386188

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3719

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0950999794

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1254.75

XXXXXX

4.2736

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0988861023

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4965

Employed

Unemployed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0693207177

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4851

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0859110371

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2513

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0586527468

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1334.7

XXXXXX

4.3903

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0029352421

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.2791

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0894412442

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1350

XXXXXX

4.2821

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0231358503

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0616285731

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2957

XXXXXX

4.5564

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0531913790

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0398458218

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3933

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0334441728

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0591932877

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2498

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0574593765

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2303

Employed

Unemployed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0770318425

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1796.5

XXXXXX

4.5451

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0294828765

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7488

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0603057015

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.393

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0796419736

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3747

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0097576902

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.4256

Employed

Unemployed

Non-Permanent Resident Alien

U.S. Citizen

No

0

0141928871

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1787

XXXXXX

4.5319

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0255740278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1305

XXXXXX

4.4148

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0028789415

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4809

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0612726724

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1921.5

XXXXXX

4.5581

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0339577423

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

142.25

XXXXXX

4.7616

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0735792866

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0047392994

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3087.81

XXXXXX

4.4404

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0870687394

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1255

XXXXXX

4.6447

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0081215604

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.5274

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0588419744

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.3556

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0454104385

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2800

XXXXXX

4.4466

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0398896465

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

622.5

XXXXXX

4.4037

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0843627273

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

80

XXXXXX

4.2322

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0954940923

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4029

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0643662010

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

155

XXXXXX

4.3855

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0737092901

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3535

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0516810632

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6418

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0838029210

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

78

XXXXXX

4.417

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0278094587

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0959464186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4851

Employed

(No Data)

Non-Permanent Resident Alien

(No Data)

No

0

0843435281

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.9998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0631477547

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

970

XXXXXX

5.1703

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0043886928

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.7815

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0013041530

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4998

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0623195891

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3748

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0775897640

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1105

XXXXXX

4.8996

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0364141368

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2458

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0198434685

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1355

XXXXXX

4.4055

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0637034047

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

217

XXXXXX

4.2923

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0575545313

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3756

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0851876152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

326

XXXXXX

4.2731

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0832691215

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2383

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0306152793

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

255

XXXXXX

4.2565

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0870701915

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3749

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0314929756

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

242.5

XXXXXX

4.2553

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0812077564

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2499

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0526981088

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

810

XXXXXX

4.5491

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0907676737

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

18236.67

XXXXXX

4.5449

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0931650201

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10057.02

XXXXXX

4.4679

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0988558586

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10560

XXXXXX

5.4626

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0007425369

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1705

XXXXXX

4.9034

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0891897578

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1560

XXXXXX

4.9414

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0883121947

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2520

XXXXXX

4.8275

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0058660449

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7502

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0212836684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3237.48

XXXXXX

4.5435

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0944111271

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11086.9

XXXXXX

4.8103

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0354395067

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6247

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0658885655

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

225

XXXXXX

4.2587

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0765771529

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4999

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0168761018

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.3617

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0318189078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2475

XXXXXX

4.3026

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0948064011

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1168.75

XXXXXX

4.3775

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0288006722

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4896

XXXXXX

4.4558

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0439601900

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4997

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0698696293

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6247

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0698171039

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1430

XXXXXX

4.4064

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0219299426

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2035.94

XXXXXX

4.8967

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0791555703

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1445

XXXXXX

5.0313

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0790737800

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1540

XXXXXX

4.6553

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0930820166

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6617

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0781388450

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

9190.2

XXXXXX

4.5176

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0265271326

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.75

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0948248043

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1245

XXXXXX

4.6429

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0873257879

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

9463.75

XXXXXX

4.409

Employed

(No Data)

Permanent Resident Alien

(No Data)

No

0

0661213953

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1645

XXXXXX

4.5398

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0147360853

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.891

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0942891018

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.9038

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0139858010

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11399

XXXXXX

4.8276

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0190843972

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.7684

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0255878714

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1590

XXXXXX

5.1834

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0877263755

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4213

XXXXXX

4.8342

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0332650218

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1710

XXXXXX

4.7602

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0057528426

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

196.37

XXXXXX

4.7509

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0009673604

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.6507

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0702684289

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1590

XXXXXX

4.8131

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0361583749

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.2603

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0282885555

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1390.8

XXXXXX

4.8661

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0997640141

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.7718

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0358156111

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

654

XXXXXX

4.7785

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0682858572

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11574.48

XXXXXX

4.5062

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0611917186

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.6478

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0336891165

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5899.92

XXXXXX

4.5491

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0642046194

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6799.79

XXXXXX

4.9685

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0606278925

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1390

XXXXXX

4.6619

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0151055507

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.7705

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0887421318

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8.04

XXXXXX

5.5093

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0979692510

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1337.95

XXXXXX

4.7944

Employed

Retired

U.S. Citizen

U.S. Citizen

No

0

0223964775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1645

XXXXXX

4.7833

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0677757415

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2433.6

XXXXXX

4.8254

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0760685684

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12640

XXXXXX

4.7566

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0719628650

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3325.25

XXXXXX

4.6591

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0633433369

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1890

XXXXXX

4.9363

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0120638058

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

5.0709

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0637983638

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1370

XXXXXX

4.9171

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0195931121

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.8212

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0034005074

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1182.5

XXXXXX

4.6491

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0884725580

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1220

XXXXXX

4.7667

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0951039674

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

950

XXXXXX

4.7706

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0602962854

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1400

XXXXXX

4.6541

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0907641612

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1185

XXXXXX

4.7837

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0166728721

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7477

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0498380352

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1690

XXXXXX

4.7802

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0823413700

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.771

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0265931562

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1855.95

XXXXXX

4.6603

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0500101153

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.6419

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0753128775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

86.95

XXXXXX

4.9123

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0336383083

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10353.9

XXXXXX

4.6661

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0699102691

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1031.95

XXXXXX

5.0195

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0158291589

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1568.95

XXXXXX

4.7733

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0784485867

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1025

XXXXXX

4.6541

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0940452094

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3884.96

XXXXXX

4.9436

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0230763343

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6448

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0724444163

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1521.95

XXXXXX

4.7745

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0113922488

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

300

XXXXXX

4.6739

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0001163778

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10000

XXXXXX

4.7602

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0406172207

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.6568

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0926895109

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10879

XXXXXX

4.4763

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0521056937

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7334

XXXXXX

4.9392

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0221946045

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6580.39

XXXXXX

4.5431

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0600689138

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1701.95

XXXXXX

4.7736

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0979464051

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6539.25

XXXXXX

4.6397

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0334977527

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.6778

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0361873931

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6346

Employed

Unemployed

Permanent Resident Alien

U.S. Citizen

No

0

0123643084

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6177.17

XXXXXX

4.6008

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0300743646

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5327

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0468298936

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1250

XXXXXX

4.8921

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0941851475

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4713.2

XXXXXX

4.7007

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0867711685

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1872

XXXXXX

4.6661

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0401748315

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

695

XXXXXX

4.7802

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0908832712

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6388

Employed

Employed

Permanent Resident Alien

U.S. Citizen

No

0

0035581024

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1000

XXXXXX

4.7815

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0737494076

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1390

XXXXXX

5.0447

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0786131090

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.919

Retired

Retired

U.S. Citizen

U.S. Citizen

No

0

0167974439

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3995

XXXXXX

4.8158

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0692087410

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2515

XXXXXX

4.5638

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0555540816

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.6474

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0882845947

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4185

XXXXXX

4.792

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0084802192

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1190

XXXXXX

4.6592

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0998252498

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3555

XXXXXX

4.8005

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0486707361

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6618

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0906656971

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

14240

XXXXXX

4.6041

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0663536730

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8621.25

XXXXXX

4.5141

Retired

Employed

U.S. Citizen

U.S. Citizen

No

0

0071890079

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

995

XXXXXX

4.7727

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0060412788

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.8913

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0412335180

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1465.95

XXXXXX

4.6411

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0615458717

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.7761

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0659482775

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6985

XXXXXX

4.6846

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0925852663

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

753.6

XXXXXX

4.9072

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0797531738

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4756

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0062581296

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.8921

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0235552331

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1220

XXXXXX

4.6481

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0536212955

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6647.16

XXXXXX

4.7396

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0739160223

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1390

XXXXXX

4.9155

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0653759599

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6725

XXXXXX

4.8799

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0021611779

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1420

XXXXXX

4.787

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0439881752

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2466.99

XXXXXX

4.7997

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0191197136

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

199.43

XXXXXX

4.366

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0807536648

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.7853

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0652993289

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1647.65

XXXXXX

4.6747

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0795589672

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

34.41

XXXXXX

4.7738

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0320490998

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7488

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

No

0

0886441859

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1685

XXXXXX

4.7953

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0038050028

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

9201.25

XXXXXX

4.7533

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0256998439

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1198

XXXXXX

4.635

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0631413721

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

12403.25

XXXXXX

4.736

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0296211309

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

6146

XXXXXX

4.9388

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0554589492

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1419

XXXXXX

4.9244

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0784083304

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1095

XXXXXX

4.6565

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0021924837

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2550

XXXXXX

4.9082

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0080904700

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

10590.4

XXXXXX

4.4764

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0012057045

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3236.12

XXXXXX

4.5355

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

No

0

0984205192

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1590

XXXXXX

4.7982

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0494417722

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

7912.25

XXXXXX

4.4357

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0106113543

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3493

XXXXXX

4.6673

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0282464465

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.5225

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0412019924

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2395

XXXXXX

4.7872

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0288791227

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3690

XXXXXX

4.6823

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0607321332

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.8616

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0287225908

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1245

XXXXXX

4.864

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0993894024

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1990

XXXXXX

4.7798

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0053684737

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1490

XXXXXX

4.5678

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0329557283

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1560

XXXXXX

4.8214

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0949020253

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.7789

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0889127448

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

5.1469

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0677736732

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.783

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0381285632

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.4767

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0834639210

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7988

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0632267246

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1195

XXXXXX

4.6781

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0748321585

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

5164

XXXXXX

4.5863

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0800415180

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1440

XXXXXX

4.6678

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0791462970

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.8832

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0763907264

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3105

XXXXXX

4.6697

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0549839732

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3530

XXXXXX

4.6959

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0758056689

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1283.75

XXXXXX

4.6525

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0087027053

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6365

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0975126152

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2480.27

XXXXXX

4.9205

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0134978105

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1776

XXXXXX

4.7938

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0575756744

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1201.95

XXXXXX

4.5372

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0960134205

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2900.15

XXXXXX

4.9297

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0941588760

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

875

XXXXXX

4.8941

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0792956110

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

11163.36

XXXXXX

4.4487

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0516456084

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.9041

Unemployed

Employed

U.S. Citizen

U.S. Citizen

No

0

0975403184

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1096.95

XXXXXX

4.6368

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0454243427

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1470

XXXXXX

4.7782

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0970980482

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1933.82

XXXXXX

4.7719

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0312293149

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7575

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0202572671

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.9016

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0295211725

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4855

XXXXXX

4.8504

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0399507623

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6968

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0812963060

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1968.43

XXXXXX

5.1774

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0160985573

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.7854

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0764539747

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3479.11

XXXXXX

4.9355

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0280852278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

400

XXXXXX

4.754

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0874600581

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1690

XXXXXX

4.9157

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0466040773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1050

XXXXXX

5.027

Retired

(No Data)

U.S. Citizen

(No Data)

No

0

0977743509

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

15507.25

XXXXXX

4.5973

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0579585279

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.6129

Employed

Unemployed

U.S. Citizen

(No Data)

No

0

0382890872

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1751

XXXXXX

4.7917

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0962698162

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

8730

XXXXXX

4.9863

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0981328938

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2727

XXXXXX

4.9665

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0958635689

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.9128

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0009160066

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

523.88

XXXXXX

4.7569

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0296823969

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1249

XXXXXX

4.6409

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0697450773

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1121.95

XXXXXX

4.6608

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0742197544

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

0

XXXXXX

4.7329

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0731676278

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1251

XXXXXX

4.7869

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0507427643

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1825

XXXXXX

4.6644

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0695718757

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1245

XXXXXX

4.8948

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0529057602

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6508

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0407049834

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.6393

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0727526444

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1290

XXXXXX

4.7836

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0285894907

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

3400.55

XXXXXX

4.8174

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0497731919

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1966.55

XXXXXX

4.8111

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0122255709

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2200

XXXXXX

4.6847

Employed

Unemployed

U.S. Citizen

U.S. Citizen

No

0

0732204404

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1585.95

XXXXXX

4.9028

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0657085758

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2639.12

XXXXXX

4.6814

Employed

(No Data)

U.S. Citizen

(No Data)

No

0

0792928078

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

4335.75

XXXXXX

4.6728

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0295532969

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

2100.73

XXXXXX

4.9504

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0007413712

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1419

XXXXXX

4.7841

Employed

Employed

U.S. Citizen

Permanent Resident Alien

No

0

0346099064

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1220

XXXXXX

4.7654

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

0486628782

QM: Safe Harbor

No

Yes

XXXXXX

XXXXXX

No

Yes

1295

XXXXXX

4.6892

Employed

Employed

U.S. Citizen

U.S. Citizen

No

0

EX-99.4

Exhibit 99.4

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	04/2017 - 03/2019
Deal Loan Count:	873
Valuations Summary
Loans in Report:	873

					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
Alt 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 (%)
0866003330	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0374580899	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/17/2017	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	04/17/2017	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0152790510	XXXXXX	XXXXXX	XXXXXX	XXXXXX	01/30/2017	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	04/19/2017	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0349220317	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/14/2017	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	04/19/2017	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0217252699	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/24/2017	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	05/22/2017	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0298446113	XXXXXX	XXXXXX	XXXXXX	XXXXXX	02/07/2017	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	05/22/2017	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0987150934	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0097950249	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0122246780	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$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%
0586813475	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0168923622	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0290833115	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0926571932	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0515712619	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	-$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%
0951123879	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$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%
0998293684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/09/2018	$XXXXXXXXX	-$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%
0166774779	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	-$6,000.00	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%
0390281663	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0061977864	XXXXXX	XXXXXX	XXXXXX	XXXXXX	04/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0448252008	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0873785296	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0071542609	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0005594888	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0513994903	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	10/17/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0931515883	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0256478749	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0307138297	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0749836224	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0415908317	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/21/2019	$XXXXXXXXX	-$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%
0991184186	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0982426753	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$155,000.00	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%
0976739353	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0723608060	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0941217897	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0449786410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0311263328	XXXXXX	XXXXXX	XXXXXX	XXXXXX	03/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/19/2018	$XXXXXXXXX	-$600,000.00	X.XX%		$0.00	$0.00	0.00%	07/31/2018	$XXXXXXXXX	-$250,000.00	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%
0350401130	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0206257937	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0485059709	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/05/2018	$XXXXXXXXX	-$212,000.00	X.XX%		$0.00	$0.00	0.00%	07/13/2018	$XXXXXXXXX	-$172,000.00	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%
0418741569	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0385403241	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	-$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%
0528237958	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/19/2019	$XXXXXXXXX	-$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%
0395324964	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0825692195	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0259875719	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0952965419	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0134204939	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/23/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0449584471	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0382480555	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0477133597	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0513281531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	10/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0932172362	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0161895235	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0106983769	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	-$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%
0299827552	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/02/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0954803271	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/12/2018	$XXXXXXXXX	-$480,000.00	X.XX%		$0.00	$0.00	0.00%	07/25/2018	$XXXXXXXXX	-$460,000.00	X.XX%	11/16/2018	$XXXXXXXXX	-$405,000.00	X.XX%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0308709723	XXXXXX	XXXXXX	XXXXXX	XXXXXX	05/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/08/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0247304399	XXXXXX	XXXXXX	XXXXXX	XXXXXX	08/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/03/2019	$XXXXXXXXX	-$95,000.00	X.XX%		$0.00	$0.00	0.00%	02/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0249616260	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	-$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%
0193140084	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0661241338	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0368149995	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/18/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0587738015	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	-$84,000.00	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%
0407759214	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	$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%
0643588114	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0769873862	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	-$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%
0561724556	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	-$9,500.00	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%
0145272423	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0206665664	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0795755544	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$11,127.00	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%
0302005773	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/22/2019	$XXXXXXXXX	-$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%
0931616791	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0796489744	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/17/2018	$XXXXXXXXX	-$185,000.00	X.XX%		$0.00	$0.00	0.00%	07/24/2018	$XXXXXXXXX	-$190,000.00	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%
0744663449	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0554085851	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0362946673	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0789101482	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0540910363	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	-$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%
0524392112	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0749249458	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/05/2019	$XXXXXXXXX	-$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%
0184259453	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0131276373	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	-$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%
0919362634	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0455739746	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0092515144	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0168383830	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0760693292	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0223628689	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0054467997	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0045251489	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0123835864	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/21/2019	$XXXXXXXXX	-$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%
0437037271	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0614502550	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0868906278	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	-$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%
0875542300	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0972883035	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0121405639	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0575082727	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0516514516	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0140300600	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$34,010.00	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%
0875073691	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0835422106	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$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%
0865231802	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$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%
0345401219	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	-$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%
0910463076	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0192180219	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0943813112	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0619171641	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0923479161	XXXXXX	XXXXXX	XXXXXX	XXXXXX	08/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0320294073	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/21/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0733168130	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$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%
0086101494	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0079807824	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	-$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%
0929754490	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	$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%
0570717676	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0425138382	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0544905154	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$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%
0634171987	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	-$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%
0884578194	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0432453845	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0967289564	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	-$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%
0206310939	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0964476285	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0663325837	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$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%
0561526780	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	-$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%
0343496520	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/22/2019	$XXXXXXXXX	-$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%
0124989229	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	-$5,905.00	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%
0588880336	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	-$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%
0743162160	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0345824205	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0284951039	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0123924729	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0594268079	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0988778191	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0263638232	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0572574284	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$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%
0567386122	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0035053314	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0634915496	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0670644495	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0224355163	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0198481897	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/30/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0986059904	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0624162683	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0436638295	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0071109213	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$19,000.00	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%
0929564003	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0697003292	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	-$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%
0090205781	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0944327586	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0698175684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0501021159	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0834597450	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	-$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%
0357305167	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0841636145	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0596613821	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0710315655	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	-$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%
0616694527	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/02/2019	$XXXXXXXXX	-$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%
0885314307	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0465606312	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0487279121	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0326043555	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0450662646	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0210952107	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0391390410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0611533290	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0029316843	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0078288962	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0036912651	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0614091908	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	-$6,000.00	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%
0376792966	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0288809972	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0261744185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0707993290	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0797720531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0376161016	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0395398061	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0050459493	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0323956289	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0724513934	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0263877348	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0190322237	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0285573149	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0273726232	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0990231170	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0971264255	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0560810451	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	-$99,999.00	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%
0831621822	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$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%
0178255154	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	1/28/2019	$XXXXXXXXX	$19,000.00	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%
0855319459	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0836045827	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0947407241	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0458302017	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0876421269	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0947432818	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0597236848	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0708998352	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0822540006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0202102695	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0977486583	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0252573373	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0276767090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0657801531	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0011791318	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0295936226	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/21/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0190758447	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0171169980	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0939036203	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0843040994	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0231596631	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0289249831	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0637293476	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0398395362	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	-$6,000.00	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%
0929272456	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/05/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0107407157	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0528927614	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0628043479	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0013877824	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0800763712	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0298621254	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0437479604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0577666941	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0126671834	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0419873185	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0901009741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0079774326	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0299662601	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0120763693	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0660346123	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$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%
0071838600	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	-$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%
0510322427	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0801284849	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0516937536	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0031832057	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0604674077	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0852215225	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0342023651	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0811550314	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0386697006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0082409404	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$51,000.00	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%
0323631670	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0657930696	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0939773890	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0724725071	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0970893152	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0222009879	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$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%
0836152327	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0212058156	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0588192382	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0873011217	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$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%
0257527471	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$180,000.00	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%
0791528512	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	-$14,000.00	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%
0507909046	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	-$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%
0276440502	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0828667916	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0850415783	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$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%
0250301137	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	-$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%
0723243723	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$22,800.00	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%
0293338264	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$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%
0154178144	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0744778724	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0007912213	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/05/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0548080182	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0435631170	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	-$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%
0931845744	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$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%
0378555292	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0536455749	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$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%
0403522089	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0453907860	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0837403107	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0571235340	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0519753886	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0737827655	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0027876992	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0576431384	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/26/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0679725194	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0340279052	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0030325487	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0299021043	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0365732069	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0931481134	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	-$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%
0656603118	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0696257009	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0116813687	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0974600212	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0437100597	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/30/2019	$XXXXXXXXX	-$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%
0287598545	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$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%
0760746300	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0894013279	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0850667355	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0536289261	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$63,000.00	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%
0637950422	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/21/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0819007849	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0960159033	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/30/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0575074147	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0820331274	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0063995625	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0647029624	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0954060484	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$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%
0700016312	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$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%
0396407139	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0420173097	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0242279694	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$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%
0898678553	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0832640726	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0399718061	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0977564601	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0818253397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0977074268	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0734867915	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0726190507	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0489025669	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0030988079	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	-$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%
0263356388	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/05/2019	$XXXXXXXXX	-$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%
0819612696	XXXXXX	XXXXXX	XXXXXX	XXXXXX	07/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/30/2019	$XXXXXXXXX	$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%
0456401257	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0646163421	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0768610190	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0860041515	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/19/2019	$XXXXXXXXX	$54,000.00	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%
0587116932	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0994721460	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0100228207	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0432006614	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/19/2019	$XXXXXXXXX	-$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%
0168741568	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0046632258	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0282322121	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0665483123	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0129024946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0466663982	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0723271264	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0455132374	XXXXXX	XXXXXX	XXXXXX	XXXXXX	08/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0040115408	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0374806845	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	-$52,000.00	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%
0173118104	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0645312263	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0569393180	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0554394808	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0760446082	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	-$125,000.00	X.XX%		$0.00	$0.00	0.00%	02/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0373231576	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0544720096	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0420094785	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0350612501	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0420417051	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0181487895	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	-$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%
0520041378	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0908083187	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/19/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0352897693	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0961421250	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0463164585	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0855248616	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0681212946	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0886672990	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	-$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%
0698689331	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/02/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0310363424	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	-$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%
0113431470	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0696709282	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0173692706	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0362701432	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0154528059	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0659177551	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0666847360	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0664527182	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0319886048	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0573202014	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0928682852	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0226843777	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0194493338	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0727209542	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0803798433	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0696816977	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0252065477	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	-$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%
0572570858	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	-$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%
0717281111	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0839087305	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0887226403	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0392028306	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0666027971	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/19/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0645090628	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0576543046	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$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%
0070293850	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0156814943	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0145311407	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0216433723	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0770972254	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0694388620	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0416698173	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0530731001	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0668229300	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0431847238	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0550474321	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/19/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0594193108	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0974216980	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0384961977	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0024379122	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	-$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%
0902437085	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0284907354	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0891916404	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0231440010	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0541963272	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0721098100	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/19/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0834894606	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0855091104	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0416221042	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	$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%
0099223533	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	-$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%
0681293770	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0522717334	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0868226232	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$14,246.00	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%
0600846530	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	-$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%
0032021536	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0529492752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0458291284	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0241710035	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0990756548	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0423714874	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0658942511	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0853275302	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0396640621	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0673823403	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0999564026	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0112395865	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0816156408	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0680680320	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	04/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0322951577	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0691481305	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0512075698	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$100,000.00	X.XX%		$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0451766898	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0964445297	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0897221660	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	-$250,000.00	X.XX%		$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0618438953	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	-$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%
0654384582	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0641690255	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$19,000.00	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%
0937909333	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0657712515	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$44,000.00	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%
0541292879	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0174311076	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0662766200	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0350418081	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	-$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%
0262452669	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0651054777	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0744341268	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0647053277	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0162114164	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0258077864	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0745911260	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$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%
0327869426	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0362657126	XXXXXX	XXXXXX	XXXXXX	XXXXXX	08/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0982108453	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	-$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%
0827858847	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0248148686	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0718816932	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0224455048	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0349497584	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0331088965	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0239511495	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$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%
0660439763	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/02/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0980758606	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0738813093	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0322157273	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$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%
0727839598	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0706586537	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0336271282	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$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%
0222239687	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0834479348	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0504641170	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0411874888	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0199378872	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0422240270	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0644991807	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0367669530	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0290415222	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0876999017	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0558018328	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0962497752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0089478358	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0748507644	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/21/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0707617403	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0395020656	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0616746858	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0342173134	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/06/2019	$XXXXXXXXX	-$538.00	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%
0599525784	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0030777780	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$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%
0959719989	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0553140288	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0108647604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0895244221	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0324142333	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0990196734	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0387342804	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/02/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0735667812	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/08/2019	$XXXXXXXXX	$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%
0360624632	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0780130885	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0016554138	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	-$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%
0163873482	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0455528221	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	-$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%
0957271457	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0632865476	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0265571337	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0990616234	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0646187767	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0039932047	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$650,000.00	X.XX%		$0.00	$0.00	0.00%	02/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0633170223	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0320038313	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$57,000.00	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%
0315259472	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0434979370	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0552237443	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0934231652	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0837409222	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	1/1/2019	$XXXXXXXXX	$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%
0431334386	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0609485397	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0422921317	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0684664813	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0070490541	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0873281117	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/14/2019	$XXXXXXXXX	-$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%
0265127273	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0646288522	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/05/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0880542793	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0608263447	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	-$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%
0984402625	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0573939170	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/21/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0932814654	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	-$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%
0767976029	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0312213180	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0610463230	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0372950021	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/22/2019	$XXXXXXXXX	$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%
0040625721	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	-$177,000.00	X.XX%		$0.00	$0.00	0.00%	02/18/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0770980133	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0471368342	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0669773366	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0998935321	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0532595975	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0279610206	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0893029376	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0945329277	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0886884841	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0240891095	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0348073654	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0397777166	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0617458857	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$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%
0042906852	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0300650548	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0380037544	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0723011804	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0665937654	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0241442928	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0970051276	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0618689222	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0994909412	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0457379081	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	-$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%
0562309606	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0496588040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2019	$XXXXXXXXX	-$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%
0194485968	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0723503133	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0764201758	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0231508617	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0965848538	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	-$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%
0327446432	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0930293015	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/19/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0811397696	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0844935682	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	-$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%
0033341680	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	-$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%
0728145278	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0110302468	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0587544594	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0829250670	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0422134576	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0411468662	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0487899040	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$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%
0371029564	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0703043433	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0955751818	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0695285029	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	-$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%
0189574691	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0791423968	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0190896581	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$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%
0419575807	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0452570507	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0467686019	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0879945866	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0429998559	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0523046095	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	-$300,000.00	X.XX%		$0.00	$0.00	0.00%	02/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0754671658	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0726248637	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0549628197	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0125184062	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0298019032	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0106966830	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0131795145	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0408069552	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$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%
0229633855	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0949800671	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0477573620	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$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%
0200480362	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0502741004	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0436117489	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	-$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%
0792331623	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0430849406	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0303140004	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/07/2019	$XXXXXXXXX	-$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%
0927681403	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0758412649	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0396874281	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0568546164	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0126660295	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0056137703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0234154334	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0653073936	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/16/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0199151479	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0075648875	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0526342277	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$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%
0436826166	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0045813220	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0536315948	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$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%
0471297979	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	-$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%
0612386188	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0950999794	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0988861023	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/30/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0693207177	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0859110371	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0586527468	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$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%
0029352421	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0894412442	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0231358503	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0616285731	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0531913790	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0398458218	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/19/2019	$XXXXXXXXX	$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%
0334441728	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0591932877	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$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%
0574593765	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0770318425	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0294828765	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/12/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0603057015	XXXXXX	XXXXXX	XXXXXX	XXXXXX	01/02/2019	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/05/2019	$XXXXXXXXX	-$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%
0796419736	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0097576902	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/11/2019	$XXXXXXXXX	-$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%
0141928871	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0255740278	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	-$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%
0028789415	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0612726724	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/18/2019	$XXXXXXXXX	$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%
0339577423	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0735792866	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/31/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0047392994	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	-$84,000.00	X.XX%		$0.00	$0.00	0.00%	02/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0870687394	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/03/2019	$XXXXXXXXX	-$110,000.00	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%
0081215604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0588419744	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0454104385	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0398896465	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0843627273	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0954940923	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0643662010	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$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%
0737092901	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/06/2019	$XXXXXXXXX	$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%
0516810632	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0838029210	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0278094587	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/15/2019	$XXXXXXXXX	-$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%
0959464186	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0843435281	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$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%
0631477547	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0043886928	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0013041530	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/25/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0623195891	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	-$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%
0775897640	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	-$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%
0364141368	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0198434685	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0637034047	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/27/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0575545313	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0851876152	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0832691215	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0306152793	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0870701915	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0314929756	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0812077564	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/31/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0526981088	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0907676737	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/13/2018	$XXXXXXXXX	$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%
0931650201	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/23/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0988558586	XXXXXX	XXXXXX	XXXXXX	XXXXXX	06/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	10/15/2018	$XXXXXXXXX	-$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%
0007425369	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	-$19,000.00	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%
0891897578	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/07/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	-$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%
0883121947	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0058660449	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0212836684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0944111271	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0354395067	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0658885655	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0765771529	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/08/2019	$XXXXXXXXX	$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%
0168761018	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/06/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0318189078	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/14/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0948064011	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0288006722	XXXXXX	XXXXXX	XXXXXX	XXXXXX	12/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/05/2019	$XXXXXXXXX	$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%
0439601900	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0698696293	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0698171039	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0219299426	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	-$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%
0791555703	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0790737800	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/17/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0930820166	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/03/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0781388450	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/29/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0265271326	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	-$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%
0948248043	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0873257879	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0661213953	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0147360853	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0942891018	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0139858010	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0190843972	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0255878714	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0877263755	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/20/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0332650218	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/12/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0057528426	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0009673604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	-$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%
0702684289	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0361583749	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0282885555	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0997640141	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	-$9,000.00	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%
0358156111	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/10/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0682858572	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0611917186	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0336891165	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/18/2018	$XXXXXXXXX	-$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%
0642046194	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$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%
0606278925	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/04/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0151055507	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0887421318	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0979692510	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0223964775	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0677757415	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0760685684	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0719628650	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0633433369	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0120638058	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0637983638	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0195931121	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/15/2018	$XXXXXXXXX	$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%
0034005074	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/18/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0884725580	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0951039674	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0602962854	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0907641612	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0166728721	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/21/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0498380352	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0823413700	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0265931562	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0500101153	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0753128775	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/03/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0336383083	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0699102691	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0158291589	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0784485867	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0940452094	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/23/2019	$XXXXXXXXX	$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%
0230763343	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/18/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0724444163	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	-$330,000.00	X.XX%		$0.00	$0.00	0.00%	01/02/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0113922488	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0001163778	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0406172207	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/05/2018	$XXXXXXXXX	-$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%
0926895109	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/20/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0521056937	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/04/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	-$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%
0221946045	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/01/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0600689138	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0979464051	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0334977527	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0361873931	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/28/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0123643084	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/08/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0300743646	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0468298936	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	-$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%
0941851475	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0867711685	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0401748315	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0908832712	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	-$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%
0035581024	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/03/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0737494076	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0786131090	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/14/2018	$XXXXXXXXX	$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%
0167974439	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	-$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%
0692087410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/03/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/17/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0555540816	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2019	$XXXXXXXXX	-$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%
0882845947	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	-$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%
0084802192	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0998252498	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/24/2019	$XXXXXXXXX	$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%
0486707361	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0906656971	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0663536730	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/03/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0071890079	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$6,000.00	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%
0060412788	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	-$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%
0412335180	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	-$180,000.00	X.XX%		$0.00	$0.00	0.00%	02/12/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0615458717	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/06/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0659482775	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	-$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%
0925852663	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0797531738	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0062581296	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/01/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0235552331	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0536212955	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/26/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0739160223	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0653759599	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	02/01/2019	$XXXXXXXXX	$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%
0021611779	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0439881752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$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%
0191197136	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0807536648	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/08/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0652993289	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/12/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0795589672	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/12/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0320490998	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0886441859	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/03/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0038050028	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/20/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0256998439	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/14/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0631413721	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/06/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0296211309	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/06/2018	$XXXXXXXXX	-$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%
0554589492	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/11/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0784083304	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/06/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0021924837	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0080904700	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0012057045	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/14/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	$14,809.00	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%
0984205192	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0494417722	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0106113543	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0282464465	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/21/2018	$XXXXXXXXX	-$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%
0412019924	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0288791227	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0607321332	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0287225908	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0993894024	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/20/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0053684737	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/01/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0329557283	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/19/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0949020253	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0889127448	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0677736732	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/03/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0381285632	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/05/2016	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0834639210	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0632267246	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$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%
0748321585	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$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%
0800415180	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0791462970	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0763907264	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0549839732	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0758056689	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/27/2018	$XXXXXXXXX	$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%
0087027053	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0975126152	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/15/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0134978105	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/18/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0575756744	XXXXXX	XXXXXX	XXXXXX	XXXXXX	09/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0960134205	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/21/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	$9,000.00	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%
0941588760	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$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%
0792956110	XXXXXX	XXXXXX	XXXXXX	XXXXXX	08/27/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/17/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0516456084	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0975403184	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0454243427	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/11/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0970980482	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/28/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0312293149	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/12/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	07/07/2019	$XXXXXXXXX	-$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%
0202572671	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0295211725	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0399507623	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/13/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0812963060	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/22/2019	$XXXXXXXXX	-$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%
0160985573	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/27/2018	$XXXXXXXXX	-$6,000.00	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%
0764539747	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0280852278	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/09/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$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%
0874600581	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0466040773	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/05/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/08/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0977743509	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0579585279	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/09/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0382890872	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	-$380,000.00	X.XX%		$0.00	$0.00	0.00%	12/24/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0962698162	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/01/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/28/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0981328938	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/17/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/29/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0958635689	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0009160066	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0296823969	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/13/2018	$XXXXXXXXX	$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%
0697450773	XXXXXX	XXXXXX	XXXXXX	XXXXXX	11/02/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0742197544	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/24/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/07/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0731676278	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/16/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$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%
0507427643	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/27/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0695718757	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/17/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0529057602	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/30/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/05/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0407049834	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/04/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0727526444	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/25/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/05/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0285894907	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/29/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/10/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0497731919	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0122255709	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0732204404	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/22/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/06/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0657085758	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/26/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	01/07/2019	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0792928078	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/19/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	11/30/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0295532969	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0007413712	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/23/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/10/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0346099064	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/31/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
0486628782	XXXXXX	XXXXXX	XXXXXX	XXXXXX	10/20/2018	$XXXXXXX		$0.00			$0.00	$0.00	0.00%	12/19/2018	$XXXXXXXXX	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	0	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%

EX-99.5

Exhibit 99.5

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	04/2017 - 03/2019
Deal Loan Count:	873
Conditions Report 2.0
Loans in Report:	873
Loans with Conditions:	544

462 - Total Active Conditions
	8 - Material Conditions
		4 - Property Valuations Review Scope
			4 - Category: Value
		4 - Compliance Review Scope
			4 - Category: Finance Charge Tolerance
	454 - Non-Material Conditions
		169 - Credit Review Scope
			3 - Category: Application
			51 - Category: Assets
			48 - Category: Credit/Mtg History
			7 - Category: DTI
			24 - Category: Income/Employment
			2 - Category: Legal Documents
			8 - Category: LTV/CLTV
			25 - Category: Terms/Guidelines
			1 - Category: Title
		15 - Property Valuations Review Scope
			3 - Category: Appraisal
			12 - Category: Property
		270 - Compliance Review Scope
			1 - Category: Borrower's Interest
			2 - Category: Compliance Manual
			2 - Category: Documentation
			8 - Category: Federal Consumer Protection
			1 - Category: Repayment Ability
			65 - Category: RESPA
			5 - Category: Right of Rescission
			4 - Category: State Consumer Protection
			182 - Category: TILA/RESPA Integrated Disclosure
656 - Total Satisfied Conditions
		220 - Credit Review Scope
			12 - Category: Application
			26 - Category: Assets
			29 - Category: Credit/Mtg History
			37 - Category: DTI
			66 - Category: Income/Employment
			15 - Category: Insurance
			24 - Category: Legal Documents
			10 - Category: Terms/Guidelines
			1 - Category: Title
		138 - Property Valuations Review Scope
			89 - Category: Appraisal
			30 - Category: FEMA
			8 - Category: Property
			11 - Category: Value
		298 - Compliance Review Scope
			93 - Category: Ability to Repay/Qualified Mortgage
			4 - Category: Compliance Manual
			8 - Category: Documentation
			52 - Category: Finance Charge Tolerance
			5 - Category: RESPA
			1 - Category: Right of Rescission
			1 - Category: State Consumer Protection
			134 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

©2019 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	04/2017 - 03/2019
Deal Loan Count:	873
Conditions Report 2.0
Loans in Report:	873
Loans with Conditions:	544

Alt 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

0866003330

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 74%; maximum LTV is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Scores 791/791. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  12 Years with the same employer. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  With the same employer for 18 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 months Reserves required ($5,032.72 X 12 = $60,392.64). Post-Closing reserves $320,661.18.

0374580899

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's issued XX/XX/XXXX missing Payee for Tax Service in Section B Loan Costs. Error is Corrected on Subsequent CD XX/XX/XXXX

(No Data)

4/24/17 - Exception Satisfied.

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Primary borrower has significant job tenure with current employer.  Both bwrs have substantial work experience in their respective professions. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers provided additional accts that were not included in reserves.

0152790510

XXXXXX

CA

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

Severe Winter Storms, Flooding, and Mudslides Natural disaster on 4/1/17 with no subsequent inspection in file.

5.9.17  Post Disaster Inspection provided reflecting no damage.

5.9.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's fico score 733 exceeds guidelines requirements of 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked at current job for over 16 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for over 20 years.

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

D

A

B

A

A

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

N/A

A

N/A

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing evidence of PITI for XXX and XXX

5.18.2017 -Lender provided XXX, and evidence owned free and clear.  Missing evidence of PITI for XXX and XXX.5.25.17 -  Lender provided the evidence of PITI for XXX.

5.25.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments:  borrower has 18 years in current profession.

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

D

A

B

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST115

Cash reserves do not meet guidelines

No

10 months post closing cash reserves available. 12 months required.

5.21.17 Lender provided same bank statements.5.26.17 Lender states "Borrowers have XXX checking $11,495.24;XXX savings $2,657.21; XXX checking $3,919.97; and XXX $15,922.69, earnest money $43,000 paid with draw on departure residence HELOC. Departure residence sold prior to closing, proceeds of $332,579.05 per estimated closing disclosure, total non retirement assets $409,574.16, final closing disclosure reflects $276,013.64 needed to close, resulting in non retirement reserves of $133,560.52  (20.21 months PITI).  Borrowers also have XXX funds $40691.71 and $93,661.33 that could also be used to meet 50% of required reserves (documentation attached)."  Received documentation showing prior residence sold.

5.26.17 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments:  borrower has 18 years in current profession.

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

D

A

B

A

A

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH183

Credit report incomplete

No

Initial credit report 1/31/17 missing several pages. Did find another credit report but was pulled post close and is dated 3/29/17.

5/18/2017 -Lender provided complete credit report 1/31/17.

5/18/2017 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments:  borrower has 18 years in current profession.

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

D

A

B

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 PITI for XXX, and evidence owned free and clear, or sold. Missing evidence of PITI for XXX.

5/18/2017 -Lender provided XXX, and evidence owned free and clear.  Missing evidence of PITI for XXX and XXX.5.25.17 -  Lender provided the evidence of PITI for XXX.

5.25.17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments:  borrower has 18 years in current profession.

0349220317

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

B

A

A

A

D

A

D

A

B

A

A

A

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

2/14/2017 1/12/2017 Public Severe Winter Storms, Flooding, and Mudslides Severe Winter Storms, Flooding, and Mudslides 4301, not date 3/20/17.

5.12.17 Post Disaster Inspection confirm no damages to property.

5.12.17 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score of 701 exceeds the GL min of 680. CFCFS2854: Significant time in profession - Clayton Comments:  borrower has 18 years in current profession.

0217252699

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

Missing XXX per guideline requirements.

5.30.17 - Client provided the XXX per guideline requirements.

5.30.17 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.82 DTI below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  71.62 months verified cash reserves exceed guidelines

0298446113

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 additional verified income (bonus) that is not being used to qualified, CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The midpoint credit score of 806 exceed guideline requirement of 720 by 114 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 30.37 is below guideline requirement of 43% by 12.63 points CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession 10+ years.

0987150934

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

Assets

Satisfied

C

A

C

A

CRDAST3036

Assets reflect unsourced deposits

No

Borrower deposited $105,007 on 9/19 to XXX #XXX. Missing documentation of the source of this deposit.

1.15.19 - Client responded. XXX financial activity transcript attached to support unsourced deposit of $105,007 9/18 from XXX money market account.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.24%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  79.35 months PITI reserves verified, max per guidelines is 12 months

0097950249

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

C

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 of REO expenses for departing residence located at XXX.

1.30.19 - Client responded. XXX was a temporary apartment between the sale of the departure residence and moving into the subject property (new construction).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.96%, max 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has positive schedule C income that was not used to qualify

0097950249

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

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

CD's dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, there are no reasons for all changes to the form documented in the file. Please provide COC.

1.30.19 - Client responded. See attached COC history.1.30.19 - Clayton has reviewed and COC history was provided and COC for all changes and reasons are provided.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.96%, max 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has positive schedule C income that was not used to qualify

0097950249

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5115

TRID - Closing Disclosure:  The Creditors Brokers or Contact persons NMLS or State ID is missing

No

Lender and Contact person's NMLS Id information present across all CDs. Exception can be cancelled.

1.30.19 - Client responded. "Disagree:  Lender not required to have NMLS and MD Mortgage Lender License numbers on Page 4 of CD. From CFPB: In the Contact Information table, disclose the following information for the Lender, the Mortgage Broker, the consumers Real Estate Brokerage, the sellers Real Estate Brokerage, and the Settlement Agent in a columnar format:  * Name, * Address,  * The NMLS or State license Id, as applicable, * The contact name of an individual (and the NMLS or State license Id),* see attached PDF"

1.30.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.96%, max 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has positive schedule C income that was not used to qualify

0097950249

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

Short funds to close due to missing documentation of EMD in the amount of $40,285 as stated on CD. Per Sales Contract EMD is broken out in 3 parts: $1,000; $21,513 & $17,772.

1.30.19 - Client responded. XXX statements and a copy of the checks attached to document EMD in the amount of $XXXXXXXX as stated on the CD.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.96%, max 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has positive schedule C income that was not used to qualify

0097950249

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

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

No

Missing VOM for departing residence located at XXX.

1.30.19 - Client responded. Acceptable VOM (length of mortgage history) for departure residence located at XXX attached. See Credit Report (trade 8) XXX, 72 months paid as agreed. XXX was a temporary apartment between the sale of the departure residence and moving into the subject property (new construction).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.96%, max 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has positive schedule C income that was not used to qualify

0097950249

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

C

A

A

A

D

B

D

B

C

A

A

A

D

B

Credit

DTI

Satisfied

B

A

B

A

CRDDTI2540

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

No

Missing documentation of REO properties.  Departing residence located at XXX not listed on 1003 REO section and no proof of sale or documentation of property related expenses.

1.30.19 - Client responded. Departure residence located at XXX was sold prior to this loan. Settlement statement attached. XXX was a temporary apartment between the sale of the departure residence and moving into the subject property (new construction).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.96%, max 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has positive schedule C income that was not used to qualify

0122246780

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

Missing Final CD or settlement statement to verify sale of property at XXX.

1.11.19 - Client responded. See attached proof of sale of XXX property and proceeds received.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 790 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 20.53 is below guideline requirement

0122246780

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

Legal Documents

Satisfied

D

A

D

A

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing Final CD or settlement statement to verify sale of property XXX; UW Decision reflects this was requested to show evidence of sale proceeds.

1.11.19 - Client responded. See attached proof of sale of XXX property and proceeds received.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 790 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 20.53 is below guideline requirement

0122246780

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 PDA to support original appraised value.

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

1.9.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 790 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 20.53 is below guideline requirement

0586813475

XXXXXX

MI

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 792. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 33.39%.

0168923622

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 30.33%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  43.13 months PITI reserves verified, max per guidelines is 12 months

0290833115

XXXXXX

NJ

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

Re: LE XX/XX/XXXX - Rate increased and added Extended Lock Fee that is not documented or supported in file. Please provide Change in Circumstance for Revised LE XX/XX/XXXX for increase in Rate and addition of Extended Lock Fee.

1.30.19 - Client responded. See attached Change Circumstance history.   Loan changed from Float to Lock on XX/XX/XXXX and Lock Extended until XX/XX/XXXX.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 18 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  734  exceeded the guideline requirement of  720  by  14 points.

0290833115

XXXXXX

NJ

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

Borrower oldest tradeline is from 2016. Exception Approval for insufficient credit is Approved.  Limited credit profile is understandable and short term.  Compensating Factors:  75% LTV, dti 10.52%/10.63%, Employed as XXX at XXX .  $33333 mo income. Additional bonus income

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 18 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  734  exceeded the guideline requirement of  720  by  14 points.

0926571932

XXXXXX

NC

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 3rd party valuation to support appraised value of $XXXXXX.

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

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since February 2007. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required: Subject $3295.61 x 12 = $39,547.32Reserves verified $108,002.95Liquid reserves verified $67,167.98

0515712619

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

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:  Post close reserves are $937,036.37 ($252,959.37 are retirement).  Reserves required $3,083.91 x 12 = $37,006.92. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been on current job for 13.2 months.

0515712619

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

B1 paystub is expired.  B1 have several paystubs in file; however, all paystubs exceeds 120 days from the note dated XX/XX/XXXX.  Note:  VOE provided salary information.

2.3.19 - Client responded. B1 paystub effective date 11/10/18, expiration date 3/10/19 (attached).

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $937,036.37 ($252,959.37 are retirement).  Reserves required $3,083.91 x 12 = $37,006.92. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been on current job for 13.2 months.

0951123879

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

Active

B

B

B

B

CMPTRID4352

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

No

Refer to all CD's:  Loan Costs, Section A, Origination Charges, Processing is missing the Payee.  Please provide corrected Post-Cd with proof of delivery.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV is 70%l subject transaction is 61% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Statements in file supported assets of $1,302,650.55. Post-Closing reserves $301,512.38. 36 months Reserves required ($7,122.97 X 36 = $256,426.92).

0951123879

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

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 XX/XX/XXXX, no reasons for all changes to the form documented in the file. Please provide COC.

1.28.19 - Client responded.  Disagree:  Changed circumstance on 10/12 due to loan amount change.  See attached documentation.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV is 70%l subject transaction is 61% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Statements in file supported assets of $1,302,650.55. Post-Closing reserves $301,512.38. 36 months Reserves required ($7,122.97 X 36 = $256,426.92).

0998293684

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

A

A

C

C

C

C

A

A

A

A

C

C

Compliance

Finance Charge Tolerance

Active

C

C

C

C

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

Yes

CD XX/XX/XXXX  Finance charge understated $3,355.00.  Missing list of fees included in APR and breakdown of credits when applicable

7.24.18 - Client responded. Agree  Final CD finance charge is understated $0.04 and in compliance.  Final CD APR is accurate and in compliance.  No TPR sheet was provided but it appears the TPR did not include the Extended Lock Fee Credit to Borrower from Lender $3,500 in their APR calculation.  Credit is for a Extended Lock Fee $3,500 paid by the borrower at closing.  Credit is located on Line 1 in the Payoffs and Payments Table on page 3 of the Final CD #011 executed by consumers on XX/XX/XXXX.  New CD is required to disclose the Extended Lock Fee Credit of $3,500 in the Paid By Others column of Section A03 Loan Costs page 2 rather than Payoffs and Payments table line 1 Page 3.  Remediation in process 7/23/18. 7.24.18 - Exception remains. 7.30.18 - Client responded. Agree the CD is required to disclose the Extended Lock Fee Credit of $3,500 in the Paid By Others column of Section A03 Loan Costs page 2 rather than Payoffs and Payments table line 1 Page 3; however, the CD cannot be updated in our origination system to disclose a corrected CD to the consumer(s).

7.30.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 757.  Min 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer 12 years.

0998293684

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

A

A

C

C

C

C

A

A

A

A

C

C

Compliance

Finance Charge Tolerance

Active

C

C

C

C

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

Yes

CD: XX/XX/XXXX, Section: Loan Calculations, Field: Amount Financed, Value:$697,534.10 and Amount Financed as review equals $694,179.10.   A difference of 3,355.  Missing list of fees included in APR and breakdown of credits when applicable

7.20.18 - Client responded. Disagree.  Final CD amount financed is overstated $0.05 and in compliance.  No investor sheet was provided but it appears the investor did not include the Extended Lock Fee Credit to Borrower from Lender $3,500 in their APR calculation.  Credit is for a Extended Lock Fee $3,500 paid by the borrower at closing.  Credit is located on Line 1 in the Payoffs and Payments Table on page 3 of the Final CD #011 executed by consumers on XX/XX/XXXX.  This is not a defect so corrective action is required. 7.24.18 - Client responded. Agree  Final CD amount financed is overstated $0.05 and in compliance.  No TPR sheet was provided but it appears the TPR did not include the Extended Lock Fee Credit to Borrower from Lender $3,500 in their APR calculation.  Credit is for a Extended Lock Fee $3,500 paid by the borrower at closing.  Credit is located on Line 1 in the Payoffs and Payments Table on page 3 of the Final CD #011 executed by consumers on XX/XX/XXXX.  New CD is required to disclose the Extended Lock Fee Credit of $3,500 in the Paid By Others column of Section A03 Loan Costs page 2 rather than Payoffs and Payments table line 1 Page 3.  Remediation in process 7/23/18. 7.24.18 - Exception remains. 7.30.18 - Client responded. Agree the CD is required to disclose the Extended Lock Fee Credit of $3,500 in the Paid By Others column of Section A03 Loan Costs page 2 rather than Payoffs and Payments table line 1 Page 3; however, the CD cannot be updated in our origination system to disclose a corrected CD to the consumer(s).

7.30.18 - Exception remains.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 757.  Min 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same employer 12 years.

0166774779

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:  Qualifying DTI is 27.14%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  31 months of on time mortgage payments with previous existing mortgage

0390281663

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 23.82% is below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 802 exceeds guidelines

0061977864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

A

A

C

C

C

C

A

A

A

A

C

C

Compliance

Finance Charge Tolerance

Active

C

C

C

C

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

Yes

Finance charge understated by $2865. Issue seems to be around the extended rate lock fee being charged in Section A of Loan costs but credited back on the Payoffs and Payments section. Will verify with Clayton Compliance to see how to clear issue. *7.18.18 - Per Clayton Compliance Department Extended Rate Lock fee should be reflected in Section A page two as Paid By Others and was not done that way. PCCD would be required to cure this issue.

7.24.18 - Client responded. Agree  Final CD finance charge is understated $0.14 and in compliance.  Final CD APR is accurate and in compliance.  No TPR sheet was provided but it appears the TPR did not include the Extended Lock Fee Credit to Borrower from Lender $3,300 in their APR calculation.  Credit is for a Extended Lock Fee $3,300 paid by the borrower at closing.  Credit is located on Line 2 in the Payoffs and Payments Table on page 3 of the Final CD #014 executed by consumers on XX/XX/XXXX.  New CD is required to disclose the Extended Lock Fee Credit of $3,300 in the Paid By Others column of Section A02 Loan Costs page 2 rather than Payoffs and Payments table line 2 Page 3.  Please compare the Lender Credits in section J to make sure the borrower POC amount for the Extended Rate Lock fee does not go into Lender Credits as POC overage when the fee is moved to Lender Paid on the Closing Fee UI.  Remediation in process 7/23/18. 7.24.18 - Exception remains. 7.30.18 - Client responded.  Agree the CD is required to disclose the Extended Lock Fee Credit of $3,300 in the Paid By Others column of Section A02 Loan Costs page 2 rather than Payoffs and Payments table line 2 Page 3; however, the CD cannot be updated in our origination system to disclose a corrected CD to the consumer(s).

7.30.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in same job 5 yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been in same job for 27 yrs

0061977864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

A

A

C

C

C

C

A

A

A

A

C

C

Compliance

Finance Charge Tolerance

Active

C

C

C

C

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

Yes

Finance understated by $2865.

7.24.18 - Client responded. Agree  Final CD amount financed is accurate and in compliance.  No TPR sheet was provided but it appears the TPR did not include the Extended Lock Fee Credit to Borrower from Lender $3,300 in their APR calculation.  Credit is for a Extended Lock Fee $3,300 paid by the borrower at closing.  Credit is located on Line 2 in the Payoffs and Payments Table on page 3 of the Final CD #014 executed by consumers on XX/XX/XXXX.  New CD is required to disclose the Extended Lock Fee Credit of $3,300 in the Paid By Others column of Section A02 Loan Costs page 2 rather than Payoffs and Payments table line 2 Page 3.  Please compare the Lender Credits in section J to make sure the borrower POC amount for the Extended Rate Lock fee does not go into Lender Credits as POC overage when the fee is moved to Lender Paid on the Closing Fee UI.  Remediation in process 7/23/18. 7.24.18 - Exception remains. 7.30.18 - Client responded. Agree the CD is required to disclose the Extended Lock Fee Credit of $3,300 in the Paid By Others column of Section A02 Loan Costs page 2 rather than Payoffs and Payments table line 2 Page 3; however, the CD cannot be updated in our origination system to disclose a corrected CD to the consumer(s).

7.30.18 - Exception remains.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in same job 5 yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been in same job for 27 yrs

0061977864

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

A

A

C

C

C

C

A

A

A

A

C

C

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, Calculating Cash to Close, Closing Costs Financed is listed as $9709.46, system calculation is listed as $5888.87.The Difference is 3820.59 the 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 in same job 5 yrs. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been in same job for 27 yrs

0448252008

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:  778 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired for 2nd home 18 months $53,182Verified Assets for reserves $1,460,937

0873785296

XXXXXX

WA

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:  32 months mortgage history with no late pays. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 25 years.

0071542609

XXXXXX

TX

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

CMPTRID3662

TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance

No

APR increased tolerance allowance of .125%. CD XX/XX/XXXX APR disclosed as 4.502%, CD XX/XX/XXXX on page 1,045 disclosed APR as 4.653%. Disclosure data master sheet does not provide evidence as to whether or not CDs dated XX/XX/XXXX were delivered to borrower. Please provide clarification as to whether or not CD in question was delivered to the borrower to determine if additional 3 day waiting period is required.

1.16.19 - Client responded. Disagree:  CD with issue date XX/XX/XXXX and APR 4.653% is not signed and is not the consummation CD.  Consummation CD is signed XX/XX/XXXX with APR  4.502%.   There is no .125% tolerance violation.  Consummation CD is attached.

1.16.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since 2002. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since 2003. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $4538.88 x 12 = $54,466.56.Reserves (liquid) verified $163,370.25Excess reserves $108,903.69.

0005594888

XXXXXX

NC

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 for Borrowers short reserves by $10,120. Minimum required 18 months $77,656. Borrowers have undocumented EM deposits. $14.60% housing ratio is below 36% maximum; low credit usage and low LTV of 55% on primary residence.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  186.96 months PITI reserves verified, max per guidelines is 12 months

0005594888

XXXXXX

NC

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 Loan vested in the name of an LLC and borrower signed individually and as owner. Approved exception in the file. Borrowers have undocumented EM deposits. $14.60% housing ratio is below 36% maximum; low credit usage and low LTV of 55% on primary residence.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  186.96 months PITI reserves verified, max per guidelines is 12 months

0513994903

XXXXXX

NY

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

CRDTER3262

Property issues indicated

No

Guidelines require ground and property lease expiration date must be at least five years longer than the term of the mortgage for New York Leaseholds. Property lease expires on XX/XX/XXXX per appraisal, Maturity date of loan is XX/XX/XXXX per note. Expiration of property lease is less than five years from maturity date of mortgage.

1.14.19 - Client responded. Approval by the Cooperative Project Approval Team (CPAT) attached.  * The lease cannot expire prior to full amortization of mortgage, see page 7, Step 5.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 747 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.41% is below guideline requirement

0931515883

XXXXXX

TN

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

The 2017/2016 1040 tax returns are not signed as required

2.14.19 - Client responded. This stipulation was cancelled as 1040 tax returns were not used in decisioning. Only base pay (regular earnings) used to qualify for both borrowers. See underwriting notes attached.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.82% Max 89.99% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.21% Max 43%

0931515883

XXXXXX

TN

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

CRDINC150

Income docs do not meet guidelines

No

The 2017/2016 1040 tax returns are not signed as required per guidelines.

2.14.19 - Client responded. This stipulation was cancelled as 1040 tax returns were not used in decisioning. Only base pay (regular earnings) used to qualify for both borrowers. See underwriting notes attached.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.82% Max 89.99% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.21% Max 43%

0256478749

XXXXXX

MA

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 proof of the HOA fee on XXX. Hazard insurance document for this property indicates it is a condominium.   Used amount Lender shows on application $396 mo.

1.24.19 - Client responded. 2 months XXX bank statements attached to verify monthly HOA payment of $396 to XXX for property XXX.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 280,951.02, borrower needs $63,217.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 680, borrower score is 781

0256478749

XXXXXX

MA

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

Refers to all CD's: Section: loan costs - appraisal fee is missing payee name. Please provide a PC-CD correct information.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 280,951.02, borrower needs $63,217.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 680, borrower score is 781

0256478749

XXXXXX

MA

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 support the HOA fee on XXX. Hazard insurance document for this property indicates it is a condominium.  Used amount Lender shows on application $396 mo.

1.24.19 - Client responded. 2 months XXX bank statements attached to verify monthly HOA payment of $396 to XXX for property XXX.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 280,951.02, borrower needs $63,217.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 680, borrower score is 781

0307138297

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:  The LTV is 66.44; up to 80% is allowed CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has worked for his employer for 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower is required to have 12 months PITI reserves: 12  x  $3,253.54  =  $39,042.48.  The borrower has $159,964.90 in post closing assets. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is 25.88%; up to 43% is allowed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower's credit score is 771, 91 points higher than the required 680 score

0749836224

XXXXXX

WA

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 a copy of the borrower's most recent paystub from XXX.  File contains only an offer letter in the file and start of employment on 10/8/2018 was prior to note date XX/XX/XXXX.

1.15.19 - Client responded. "Paystub from XXX was not obtained, see underwriting notes attached. Fully executed offer letter and supporting email attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0% revolving debt with over $106,100 in available credit. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for over 12 years.

0749836224

XXXXXX

WA

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

CRDINC2408

Income verification does not meet guidelines

No

Missing a copy of the borrower's most recent paystub from XXX.  File contains only an offer letter in the file and start of employment on 10/8/2018 was prior to note date XX/XX/XXXX.

1.15.19 - Client responded. "Paystub from XXX was not obtained, see underwriting notes attached. Fully executed offer letter and supporting email attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0% revolving debt with over $106,100 in available credit. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for over 12 years.

0415908317

XXXXXX

GA

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

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 XX/XX/XXXX [Last CD], Calculating Cash to Close, Closing Costs Financed - Final, Value is: $25,606.60; however, Clayton Calculation, Value is: $13,778.17.  Difference is POC's of $11,828.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 11 year mortgage history with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in current profession.

0415908317

XXXXXX

GA

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

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's dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no reasons for all changes to the form documented in the file.  Please provide COC's.

2.7.19 - Client responded. """Disagree: 10/22: Credit Score decrease, .75% points added $8400, Valid CoC12/7: Customer locked a lower rate 4.75%, lock extension fee added $1400, Valid CoC12/14: Loan amount increased to $XXXXXX, fees increased, Valid CoC ** See attached CoC history"""

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 11 year mortgage history with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in current profession.

0415908317

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2550

Missing HUD-1 from sale of property

No

The final 1003 shows XXX, XXX, GA is sold. The file is missing the final CD for the sale of XXX.

2.8.19 - Client responded. See attached satisfaction of mortgage, XXX , Payoff from XXX and payoff letter to the borrower for the property at XXX. No closing disclosure located however these documents confirm the property sold prior to this loan closing .

2.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 11 year mortgage history with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in current profession.

0415908317

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Terms/Guidelines

Satisfied

B

A

B

A

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Per final CD (pg 167) borrower received $103,661.16 cash back.  Per g/l, for construction to perm (pg 316), the borrower cannot receive cash back at closing that I not a direct verifiable reimbursement of expense.  Missing evidence of out of pocket expenses or other equity, which must be documented by acceptable paid receipts and canceled checks.

2.14.19 - Client responded. Construction contract (initial improvements) for $824k and settlement statement for the purchase of the lot $XXXXXXXX to document cost attached. Borrower was reimbursed for actual cash investment into the property - see loan notes attached.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 11 year mortgage history with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in current profession.

0991184186

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 reserves $4378.73 x 12 = $52,544.76; Verified reserves $416,617.96. Excess reserves $364,073.20. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since May 2015.

0982426753

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

Missing Certification of Completion (1004 D).  The appraisal in file is "Subject  to Completion".

1.9.19 - Client responded. See attached city inspection that was used for the final inspection.

1.9.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $231,328.10.  Reserves required $8,753.13 x 12 = $105,037.56. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.39% below guideline requirement of 43% by 9.61%.

0976739353

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance charges corrected on PC CD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.63, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  25.32 months PITI reserves verified, max per guidelines is 12 months

0976739353

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

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

Finance charges corrected on PC CD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.63, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  25.32 months PITI reserves verified, max per guidelines is 12 months

0976739353

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3944

TRID - CD: The P&I at consummation per the CD Loan Terms section does not match the P&I per Year 1 in the CD Project Payments section

No

All CD'S Monthly P&I on the Loan Terms Section ($3436.87) does not match the P&I in the Projected payments section ($3436.88 )Please provide a revised CD that corrects the P&I in the Projected Payments Section to match the Note ($3436.87) Revised CD and LOX to be sent to borrower

2.7.19 - Client responded. Disagree:  Agree that the principal and interest payment in the Projected Payments Table on the Final CD executed by the consumers at closing does not match the principal and interest payment in the Loan Terms Table.  However, per XXX Compliance Testing Team methodology, this is not a testing defect because the difference does not exceed the tolerance of $0.01.  This is not a testing defect so no corrective action is required.2.7.19 - Clayton has reviewed and per Clayton Compliance Department this is within tolerance.

2.7.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.63, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  25.32 months PITI reserves verified, max per guidelines is 12 months

0976739353

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

HOA dues paid by third party. Approval is in file.Approving third party paying HOA dues to max $4000 per purchase contract signed XX/XX/XXXX based on excellent credit score, consistant savings pattern, PCL exceeds requirements and low ratios.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.63, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  25.32 months PITI reserves verified, max per guidelines is 12 months

0976739353

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party valuation to support original appraised value $XXXXXX

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

2.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.63, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  25.32 months PITI reserves verified, max per guidelines is 12 months

0723608060

XXXXXX

SC

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 current employer since June 2005. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $3864.01 x 12 = $46,368.12. Verified reserves $266,612.74. Excess reserves $220,244.62

0941217897

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been a XXX for 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 Credit Score.

0941217897

XXXXXX

CO

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

Confirmation that CD XX/XX/XXXX was acknowledged by the borrower 3 days prior to consummation date XX/XX/XXXX required

1.28.19 - Client responded. CD dated XX/XX/XXXX hand signed on same day provided.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been a XXX for 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 Credit Score.

0449786410

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

Income/Employment

Satisfied

D

A

D

A

CRDINC2340

Employment verification does not meet guidelines

No

Need 2 year employment verification for B2. B2 began current employment 2/01/18. Need prior history for 2 years and to verify any employment gaps. Additional conditions may apply.

1.14.19 - Client responded. Loan Application reflects dates of previous employment for B2 at XXX from 1/01/16 - 1/31/18. Hire date at XXX was 2/01/18. 2016-17 W-2s obtained (attached) to document 2-year history of employment and no gaps that span one or more months. Borrower has been in the same profession over 12 years and changed jobs to advance in the same line of work.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Time at residence = 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit fico = 802

0311263328

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

Property Valuations

Value

Active

C

C

C

C

PRVAVALU153

Value Not Supported

Yes

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

8.2.18 - A Field Review was received with a reported value of $XXXXXX which is a variance of -XX.XX% less than the original appraised value of $XXXXXXXX. 8.2.18 - Exception remains. 8.6.18 - Client responded. The subject property is a recently constructed contemporary home located in the established area of XXX. The subject site provides for expansive views and has good utility.  The appraisal provides five comparable sales and two active listings, the final estimate of value is bracketed by the unadjusted and adjusted sales prices. Furthermore, the price per gross living area, age, condition and GLA are all bracketed by the comparables. The subject is constructed utilizing high end materials and finishes; attributes and amenities one would expect in this market area and price point.  The Field Review confirms this information and appears to only take issue with the adjustment methodology. However, while the Field Review takes issue with the Origination Appraisal in terms of adjustments not having evidence of market support, the various adjustments or lack of adjustments in the Field Review lack market support. For instance, the subject has an in-ground pool with a design consistent with the improvements and an amenity one would come to expect in a high end home such as the subject. Four of the comparables have in-ground pools indicating market acceptance and therefore value.   While the Field Review is unable to extract a pool adjustment, several adjustments that have been applied lack market derived support. Three of the seven comparables in the Field Review have been adjusted above the original appraised value; two of which are sales 1 & 3, and sale 3 has the least amount of gross adjustments and a net adjustment of only .6% and supports the original appraised value. The Field Review challenges the Q1 quality rating but provides not support for this assertion. Refer to the origination appraisal and subject interior exterior photos; ceiling height, large frameless windows, high-end; cabinetry, flooring, fixtures, materials and finishes exist. The subject has all the features and amenities one would expect in a home of this quality and caliber. Finally, the Field Review has not applied consistent methodology and contradicts its own logic, the reduction is value is not supported, and while the Field Reviews says time adjustments are inappropriate when the market is stable is incorrect.  The Field Review calls out comparable 5 as an outlier however includes the adjusted sales price of comparable 5 in the reconciliation despite having alternative comparable sales that are more similar to the subject property.  The Original Appraisal indicates on the 1004mc that while the market trends are stable, there has been a X% increase in property value over the past year. These points alone further discredit the final estimate of value derived by the Field Review. The mere presence of appreciation doesnt necessitate labeling an overall market trend as increasing.  The Original Appraisal provides support and sound methodology in the determination of the final estimate of market value, while the Field Review asserts market evidence and trends without specific evidence of market data. Response sent to vendor for additional commentary. 8.8.18 - Vendor has responded. We find that the report is solid and supported by adequate market data. The vendor is highly ranked and experienced in the market. Unfortunately, although your communication contains a significant amount of disagreement with the Field Review, it does not provide supported arguments or specific questions to forward to the appraiser. The Field Review was completed independently from the Desk Review and came to the same conclusion, providing you with two points of review that disagreed with the origination appraisal. At this time, we do not feel that there is any cause to request further clarification or revisions from the appraiser.

8.8.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 778. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.13%.

0350401130

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

Missing VOR for XXX (departing residence)

1.24.19 - Client responded. Monthly housing history (VOR/VOM) attached, see trade XXX and trade XXX. Borrower sold residence (condo) at XXX with a monthly payment of $2810 and then rented an apartment (XXX) with a monthly payment of $1885 until they moved into subject property (new construction).

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%. DTI currently 31.95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed 680, borrower qualifying score is 762

0206257937

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:  Reserves = Subject  $3727.61 x 18 = $67,096.98Verified reserves = $590,149.05PCL reserves verified = $289,450.11Excess reserves = $523,052.07 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 60% which is 20% lower than maximum LTV allowed of 80%.

0485059709

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

Property Valuations

Value

Active

C

C

C

C

PRVAVALU153

Value Not Supported

Yes

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

7.19.18 - A Field Review was received with a reported value of $XXXXXXX which is a variance of -XX.XX% less than the original appraised value of $XXXXXX.  7.25.18 - Client responded. The Desk and Field Reviews do not assess/assign adequate value for the subject's superior features, such as; cul de sac location, newly added 2nd floor bedroom/bath, updated remodeled kitchen and larger than typical GLA. The subject is larger in GLA and site size than most of the comparables with no added value provided for these superior attributes. Comparable one on the origination appraisal sold nearly 30% above list price, DOM range from 3 to 8 days, and the subjects price per gross living area based on $XXXXXXX value is bracketed by the comparable sales. We reiterate, the subject is located within a market area experiencing increasing values consistent with low supply and significant demand. The Desk and Field Review conservatively support the sales price, which is also the lendable value and no added risk was assumed by the more reasonable origination value given the condition, updates and superior attributes.  7.25.18 - Clayton has reviewed clients response and will provide response to vendor for review. 7.27.18 - Vendor response - Vendor believes that the review appraisal is credible and supported and needs guidance from you as to why you believe it to not be supported. If additional sales or market evidence exists for adjustments are unsupported, please provide documentation as to why. The appraisal points out errors in the origination appraisal selection of comparable sales (Section 1, Question 6) and in the application of adjustments (Section 1, Q7). The sales were placed and adjusted in the review appraisal Section 2, supporting the review appraisal opinion of value. 7.30.18 - Client response -  The subject property, relative to the comparable sales/listings in the area, is one of the nicer homes and a true four bedroom three bath offering a desirable split bedroom plan.  At the time of the sale, refer to the original appraisers #1004MC to understand the current market conditions; scarcity of inventory and the average percentage paid over list price (124%). The subject has received numerous updates and modernizations that have added to the livability and has resulted in greater desirability/appeal as compared to the typical homes in the neighborhood. 7.30.18 - Clayton has reviewed clients response and will again forward to vendor. 8.8.18 - Vendor responded. We find that the report is solid and supported by adequate market data. The vendor is highly ranked and experienced in the market. Unfortunately, although your communication contains a significant amount of disagreement with the Field Review, it does not provide supported arguments or specific questions to forward to the appraiser. The Field Review was completed independently from the Desk Review and came to the same conclusion, providing you with two points of review that disagreed with the origination appraisal. At this time, we do not feel that there is any cause to request further clarification or revisions from the appraiser.

8.8.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required funds to close $181,112.04.  Reserves required of $61,203.00 (12 x $5,100.25).  $116,446.29 remaining reserves after funds to close. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has more than 15 years in the same industry.

0418741569

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:  Post close reserves are $260,892.85.  Reserves required $5,526.59 x 12 = $66,319.08. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 15.15 years.

0385403241

XXXXXX

VA

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 address for over 13 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been at job for over 4 years.

0528237958

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

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

$16.90 ten percent tolerance due to increase of $99.00 in recording fees paid by others. Recording fees paid by others without sufficient CoC are held to same tolerance testing.Requires sufficient CoC, or corrected PCCD, copy of refund check, LOX and copy of shipping.

1.28.19 - Client responded.  Disagree:  the borrower is not being charged the fee. $99 fee paid by lender.   There is no good faith violation and no cure required.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.94%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  92.43 months PITI reserves verified, max per guidelines is 12 months

0528237958

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

CRDAST3036

Assets reflect unsourced deposits

No

Borrowers deposited $25,000 on 11/29 to XXX Missing clear confirmation of which account the $25,000 was transferred from. Borrowers deposited $125,000 on 12/23 from XXX to XXX. Missing statement to show the $125,000 withdraws. All large deposit to XXX account must be sourced and explained.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.94%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  92.43 months PITI reserves verified, max per guidelines is 12 months

0395324964

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

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 for XXX in file dated 9/24/18 has expired. Verbal verification must be done within 20 business days of Note date XX/XX/XXXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 56.50% is below guideline requirements CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 15.93% is below guideline requirement

0825692195

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:  Minimum credit score required 720, borrower has a 782 which is 62 points above the guideline requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI is 45%, borrower has a 28.48% which is 16.52% below the guideline requirement.

0259875719

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 required $3473.02 x12 = $41,676.24; Verified reserves $255,330.43.  Excess reserves $213,654.19.Liquid reserves $75,577.74. CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 71% which is lower than maximum LTV allowed of 80% by 9%.

0952965419

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:  797 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.67%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  36.91 months PITI reserves verified, minimum per guidelines is 6 months

0134204939

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Missing Notary signature for Deed of Trust.

11.26.18 - Client responded. "See attached  Deed of Trust signed and stamped by the Notary. 11.26.18 - Clayton has reviewed and copy of Deed of Trust signed and Notarized has been provided.

11.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  $486,473.37Reserves $189,255.19(47.71 Months PITIA); Required Reserves $47,598.48 ( 12 X $3966.54). CFCFS1737: LTV below guideline requirements - Clayton Comments:  The borrowers LTV is 70%.  The maximum LTV per guidelines is 80%.

0134204939

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value of $XXXXXXX.

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

11.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  $486,473.37Reserves $189,255.19(47.71 Months PITIA); Required Reserves $47,598.48 ( 12 X $3966.54). CFCFS1737: LTV below guideline requirements - Clayton Comments:  The borrowers LTV is 70%.  The maximum LTV per guidelines is 80%.

0134204939

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

Property Valuations

Property

Active

B

B

B

B

PRVAPROP871

Property Location unacceptable under guidelines

No

Lender approved exception for property flip. Appraisal reflects property sold for XXX XX/XX/XXXX as off market sale. Current contract price XXX. Compensating factors include Low DTI of 24.03%, demonstrated savings pattern, strong monthly residual income, low LTV of 70%, Long term employment and minimal revolving debt use. Property renovated from ground up. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  $486,473.37Reserves $189,255.19(47.71 Months PITIA); Required Reserves $47,598.48 ( 12 X $3966.54). CFCFS1737: LTV below guideline requirements - Clayton Comments:  The borrowers LTV is 70%.  The maximum LTV per guidelines is 80%.

0449584471

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:  Subject DTI = 23.07% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $101,632.46 or 24.0 months PITI reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score = 771

0382480555

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

Missing evidence of additional liquid funds in the amount of $99,279.42 which is required to close; $143,121.70 required to close with only $43,842.28 in liquid funds verified.  It is not clear that the funds being transferred from an IRA account are being deposited into a liquid account and full statements with balances were not provided to evidence transfer of funds or possible liquidation.

1.5.19 - Client responded. Sufficient liquid funds to close. Borrower transferred funds from an XXX IRA account XXX to an XXX Money Market account XXX in the amount of $130,196.12 + $43,842.28 = $174,038.40 in available liquid funds. Full asset statements attached to document the XXX account activity.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has 20 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 779 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 20 years 4 months at current job.

0382480555

XXXXXX

NJ

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 original appraised value.

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

1.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has 20 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 779 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 20 years 4 months at current job.

0477133597

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 of 794 exceeds minimum score of 680, 114 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have owned their home 4 years and 1 months. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 46 months mortgage history with no late pays. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been on her job 4 years and 6 months.

0513281531

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 $XXXXXX.

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

10.29.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $129,839.75 or 45.47 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17.19% below guideline requirement of 43% by 25.81%

0932172362

XXXXXX

MD

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 second consecutive statement for XXX retirement #XXX.  Only asset statement in file dated 10/26/18.  Guidelines require most recent two months statement for review. Provide second consecutive statement for review. (IRA, 401k, SEP, Keogh, 403b and IRS qualified employer plans page 164) Per Non Agency Underwriting Guideline page 158.

1.17.19 - Client responded. Consecutive statements for XXX #XXX attached dated 9/1 - 9/28/18 and 9/29 - 10/26/18.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has been in same line of work for 35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 788 above program requirement 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 59.783% below program maximum 80.00%.

0932172362

XXXXXX

MD

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

B

A

B

A

CRDCRMH193

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

No

Verification of rent for departing primary residence was not located in file.  Per guidelines either cancelled checks, bank statements showing the payment or VOR is required to complete the 12 mos. housing history verification. Provide verification of rent for departing residence for review. (Verification of rental (VOR) payment history page 188/189)

1.17.19 - Client responded. 12-month mortgage history (VOM) through the credit report was satisfactory. Credit report (attached), see tradeline 1 (XXX). Acceptable mortgage history since 1/2012 on the borrowers departure residence at XXX prior to the purchase of the subject property (new primary residence) at XXX.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has been in same line of work for 35 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 788 above program requirement 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 59.783% below program maximum 80.00%.

0161895235

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

Exception: reserve requirements not met/short required reserves by 1.7 months liquid: Compensating factors include strong retirement assets, long term employment. they have  demonstrated ability and willingness to repay paying all mortgageson time since 2007, excellent credit history since 1995, with minimal use of revolving credit.  Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, loan DTI currently 15.56% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrowers qualifying score is 766

0106983769

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:  11 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.36 % DTI

0299827552

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP2674

Property Issues Indicated 2

No

Per guidelines, The ground and proprietary lease expiration must be at least five years longer than the term of the mortgage being requested.  The end of the Note date is XX/XX/XXXX and the Proprietary lease expiration is XX/XX/XXXX, which is prior to the guideline threshold.

1.14.19 - Client responded. Approval by the Cooperative Project Approval Team (CPAT) attached.  * The co-op will extend the Proprietary Lease before its expiration for a period of 50 years, see page 7, Comments located at the bottom of the page.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  76,764.04 down payment and 6 months PITIA (3884.14*6) = 23,304.84 required totaling 100,068.88.  The borrower provided 472,298.75 in funds for closing and reserves.  The borrower has 395,534.71 in post closing cash reserves; 101.83 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a 776 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a 33.86% DTI.

0954803271

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

C

C

B

C

C

B

B

C

C

C

B

C

C

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 on XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $-10175.42 and Section: Calculating Cash to Close, Field: System Calculation, Value is listed as $9,620.99

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $164,346.94 or 36.94 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.10%, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 qualifying score. Min required per guidelines is 720.

0954803271

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

C

C

B

C

C

B

B

C

C

C

B

C

C

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 dated on XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value listed as $-10,175.42

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $164,346.94 or 36.94 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.10%, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 qualifying score. Min required per guidelines is 720.

0954803271

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

C

C

B

C

C

B

B

C

C

C

B

C

C

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 XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value is listed as$ -10,321.00

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $164,346.94 or 36.94 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.10%, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 qualifying score. Min required per guidelines is 720.

0954803271

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

C

C

B

C

C

B

B

C

C

C

B

C

C

B

B

Credit

Assets

Satisfied

C

A

C

A

CRDAST115

Cash reserves do not meet guidelines

No

Lender Exception - is Non -HFI 3 mo 2 month PCL; PCL reduction exception. The loan request is for cash out refinance. Evidence can be provided of the claim that the reason for the current shortage is the customer's use of savings to pay for part of the recent renovations done to the subject. Compensating factors include low LTV of 58.4%, Conservative use of revolving credit and low DTI of 32.66%.

8.6.18  - Client responded. Exception request was declined by lender as exception requested is not available for cash-out refinances.  Two months statements obtained for XXX ($2821.99); XXX checking ($16452.08) and savings ($4506.97); and XXX checking ($41.04) and savings ($3,862.49). XXX retirement account ($243,272.46) was used to meet 50% of PCL ($26,694).  Total assets verified available for reserves $54,378.57; total reserves required $53,388 ($4449 x 12). See asset statements attached. 8.6.18 - Clayton has reviewed clients response and assets required have now been provided.

8.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $164,346.94 or 36.94 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.10%, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 qualifying score. Min required per guidelines is 720.

0954803271

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

C

C

B

C

C

B

B

C

C

C

B

C

C

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

Guidelines require Verbal Verification of Employment within 20 days of closing. Co-Borrower VVOE dated 5/23/2018; Closing date is XX/XX/XXXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $164,346.94 or 36.94 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.10%, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 qualifying score. Min required per guidelines is 720.

0954803271

XXXXXX

DC

QM: Safe Harbor

QM: Safe Harbor

C

C

C

B

C

C

B

B

C

C

C

B

C

C

B

B

Property Valuations

Value

Active

C

C

C

C

PRVAVALU153

Value Not Supported

Yes

Latest valuation is field review with $XXXXXX value, XXXX% below the $XXXXXX appraised value.

11.9.18 - Client responded. """Original Appraisal: The subject property and the comparables in the original appraisal are XXXXX year old properties XXXXXXX with XXXXXXXX. The subjects interior and exterior have been significantly updated. The comparable sales in the original appraisal support the appraised value with minimal line, net and gross adjustments. The net/gross adjustments on the comparables are primarily at or below 2% with the highest comparable net/gross adjustments at 3.3%. The original appraisal provides a reasonable range in sale prices of XXX and a reasonable range of adjusted values of $XXXXXX - $XXXXXX, with two closed sales that adjusted above the value of XXX and two closed sales that adjusted below but within an acceptable range of the opinion of value. The subjects primary features, including the high end finishes and accessory unit, are well bracketed by the comparables provided in the original appraisal and value is overall supported by the comparable selection. Note  Pending sale 5 closed 8 days after the effective date of the original appraisal, offering further support of the original appraised value. Desk Review: The Desk Review value is unsupported due to the significant value range provided by the comparable selection of XXXXXX-$XXXXXX and use of inferior sales to derive an opinion of value. Field review: The field review value is unsupported due to the comparable selection, as they are in inferior condition, do not have the same level of high end, modern finish, located further from the subject, require higher adjustments than the comparables in the original appraisal and are more proximate to negative external influences. The field review provided 3 inferior sales to support the opinion of value, while the original appraisal provided 4 closed, 1 pending and 1 listing with more similar attributes and finishes to that of the subject. o C1 on the field review has an inferior interior finish to that of the subject property, it appears to have builder grade finishes which equates to the lower sales price in comparison to the original appraisal value. This was not adjusted for on the field review. This sale required higher net/gross adjustments than all of the comparables on the original appraisal, and had the adjustments been applied for the difference in condition, net/gross adjustments would be higher. o C2 on the field review is further away than any of the sales presented by the original appraisal and interior finish is also inferior to our subject property and not adjusted for in the field review. This equates to the lower sale price in comparison to the original appraised value. o C3 on the field review is closer to a major 4 lane roadway that was not adjusted for in the field review. It has inferior finishes that were not adjusted for in the field review. These items equate to the lower sales price in comparison to the original appraised value. 11.9.18 - Clayton has reviewed and sent comments and comps to vendor for comment. 11.21.18 - Revised field review provided but only reflects value of $XXXXXX which is still -XX.XX% below original appraised value of $XXXXXXXX.

11.21.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $164,346.94 or 36.94 months PITIA, guidelines required 9 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.10%, max per guidelines is 40%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 qualifying score. Min required per guidelines is 720.

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:  37.26% DTI below guideline requirement

0247304399

XXXXXX

TX

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

2.8.19 - A Desk review was received with a reported value of $XXXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXXXX. A field review has been ordered.

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

2.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 30 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 30 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed minimum guideline requirements

0249616260

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 reserves $4010.22 x 12 = $48,122.64; Verified reserves $96,932.44; Excess Reserves $48,809.80.Liquid PC reserves $53,235.50. CFCFS2860: Good credit history - Clayton Comments:  No adverse credit reporting on credit report.

0193140084

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

B

B

D

B

D

A

B

B

B

B

Compliance

Documentation

Active

B

B

B

B

CMPDOC2500

Some funds escrowed based on written agreement for completion of improvements to property

No

Escrow Holdback in file for $18,822 for Basement completion with a completion date of 3/11/19. Additionally, the appraiser noted required completion of the landscaping. A clear final inspection to be obtained at completion of all unfinished work items by 3/11/19.

1.30.19 - Client responded. 1- A clear final inspection of all unfinished work has not been obtained. Per Escrow Holdback Agreement the work shall be completed by 3/11/19.  2- Due to winter weather conditions seed/sod were not completed. Landscaping retaining walls, grading, and other improvements were completed at the time of inspection (appraisal).1.30.19 - Clayton has reviewed and deems non-material but an FYI to client for work needed to be completed.

1.30.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Time on job = 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score = 780

0193140084

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

B

B

D

B

D

A

B

B

B

B

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing most recent 2 months bank statements for the XXX XXX and XXX accounts. The only statement in file is for the 8/27/18 statement. Assets and reserves to be recalculated.  Additional conditions may apply.

1.30.19 - Client responded. "Sufficient asset documentation for XXX XXX and XXX accounts attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Time on job = 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score = 780

0193140084

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

B

B

D

B

D

A

B

B

B

B

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Missing VOM/VOR from 6/2018 to just prior to close on XX/XX/XXXX.

1.30.19 - Client responded. Missing VOM (support docs) from 6/2018 to just prior to close on XX/XX/XXXX attached. Borrower had already moved into the subject property at XXX when the departure residence sold at XXX. Purpose of this transaction was to payoff the construction loan with XXX Bank. Borrower was making interest only payments on a line of credit during that time.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Time on job = 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score = 780

0193140084

XXXXXX

IA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

B

B

D

B

D

A

B

B

B

B

Property Valuations

Appraisal

Active

B

B

B

B

PRVAAPPR275

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

No

Escrow Holdback in file for $18,822 for Basement completion with a completion date of 3/11/19. Additionally, the appraiser noted required completion of the landscaping. A clear final inspection to be obtained at completion of all unfinished work items by 3/11/19.

1.30.19 - Client responded. 1- No certificate of completion / final inspection has been obtained. Per Escrow Holdback Agreement the work shall be completed by 3/11/19.  2- Due to winter weather conditions seed/sod were not completed. Landscaping retaining walls, grading, and other improvements were completed at the time of inspection (appraisal).

1.30.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Time on job = 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score = 780

0661241338

XXXXXX

NY

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 dated XX/XX/XXXX; Section Loan cost C. line 06, Title sign fee is TBD. Please provide PCCD with correct information within 60 days of consummation.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $60,927.36 for reserves, borrowers have $276,633.89 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrowers qualifying score is 736

0661241338

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Dwelling coverage per HOI is $500,000 ($400,000 X 1.25). loan amount is $XXXXXXX. Provide estimated cost to replace from insurance company to document sufficient coverage.

1.30.19 - Client responded. See attached Hazard and XXX Escrow screen prints . The screen prints show replacement coverage for subject property.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers need $60,927.36 for reserves, borrowers have $276,633.89 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrowers qualifying score is 736

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: XX/XX/XXXX,  Summaries of Transactions, Adjustments and Other Credits Calculation is listed as $($1,004.39) and Calculating Cash to Close, Adjustments and Other Credits  Final is listed at $40.47. Difference is Section L Line 6 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:  797 qualifying score. Min required per guidelines is 680. Below CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.80%, max per guidelines is 43%. 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: XX/XX/XXXX,  Calculating Cash to Close, Seller Credits  Final is listed at -$4337.50 and Summaries of Transactions, Seller Credit, Value is listed at $3292.64. Section L Line 6 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:  797 qualifying score. Min required per guidelines is 680. Below CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.80%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $75,721.52 or 17.94 months PITIA, guidelines required 9 months PITIA.

0587738015

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:  Borrower has 20 years in current XXX job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 38.08% which is below the guideline maximum.

0407759214

XXXXXX

NY

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 the Hazard Insurance documentation for the property at XXX (borrowers primary residence).

1.30.19 - Client responded. Hazard insurance documentation for the property at XXX (primary residence) attached. XXX, premium $756/12 = $63 monthly.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower has been with the same employer for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores 781/805; minimum score is 720.

0407759214

XXXXXX

NY

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

1. PC CD XX/XX/XXXX     Loan Costs Section B: Title fees are missing the payees. 2. PC CD XX/XX/XXXX     Other Costs Section  H: Title's Owner is missing payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower has been with the same employer for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores 781/805; minimum score is 720.

0407759214

XXXXXX

NY

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

Satisfied

C

B

C

B

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

1. CD: XX/XX/XXXX Other Costs Section F: Prepaid Interest From Date, Value XX/XX/XXXX : to Prepaid Interest To Date, Value:XX/XX/XXXX  (11 days) X Amount Per Day, Value: $89.16 does not equal $1070.16.2.PC CD:XX/XX/XXXX Other Costs Section F: Prepaid Interest From Date, Value:XX/XX/XXXX to Prepaid Interest To Date, Value:XX/XX/XXXX (3 days) X Amount Per Day, Value: $ does not equal $356.72.

1.29.19 - Client responded. Disagree:  TPR is excluding a day from calculation.  12/20 to 12/31 computes to 12 Days and resulting prepaid amount of $1070.16 is accurate.   Similarly, 12/28 to 12/31 computes to 4 days adn $356.42 prepaid interest calculation.

1.29.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower has been with the same employer for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores 781/805; minimum score is 720.

0407759214

XXXXXX

NY

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 the Hazard Insurance documentation for the property at XXX (borrowers primary residence).

1.30.19 - Client responded. Hazard insurance documentation for the property at XXX attached. XXX, premium $756/12 = $63 monthly.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower has been with the same employer for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores 781/805; minimum score is 720.

0407759214

XXXXXX

NY

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

Missing documentation to verify a 2 year employment history for the Borrower.  There is a 2016 XXX W2 in the file and the prior employer listed on the 1003 is with XXX.  Lender notes the borrower was previously XXX per the 2016 1040s however, there is a 2016 W2 and prior employment on the 1003.

1.30.19 - Client responded. Two-year employment history for B1 attached. Borrower has been in the same profession over 13 years and changed jobs to advance in the same line of work.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower has been with the same employer for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores 781/805; minimum score is 720.

0643588114

XXXXXX

MN

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

$540,000 coverage is insufficient to cover loan amount of $XXXXXX. Provide cost to replace estimate from insurance company to document sufficient coverage.

1.30.19 - Client responded. Sufficient insurance. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis - 2 attachments.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 6 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at the existing primary residence over 6 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $52,734.96 reserves required. Verified $144,933.99 or 36.16 months verified

0643588114

XXXXXX

MN

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

PRVAAPPR275

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

No

Completion cert in file states property is still not complete including health and safety issue with missing stair rails.

1.30.19 - Client responded. No final inspection has been obtained. Per Escrow Holdback Agreement the work shall be completed by 6/01/19. Installation of staircase rails have been completed by XXX. Attached is the appraisal update to reflect before pictures of missing staircase rails and picture(s) of completion.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 6 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at the existing primary residence over 6 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $52,734.96 reserves required. Verified $144,933.99 or 36.16 months verified

0769873862

XXXXXX

MN

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

C

A

C

A

CRDCRMH148

Credit report stale dated at closing

No

Only credit report in file is dated 05/30/2018 and is not within 120 days of the Note date of XX/XX/XXXX.

2.7.19 - Client responded. Disagree:  See attached Credit Report run on 9/28/20182.7.19 -Clayton has reviewed and document provided is only 2 pages and blank. Please upload again to system. 2.12.19 - Client responded. 2/9/19: See attached Credit Report run on 9/28/2018; reprinted to PDF, 45 pages attached.

2.7.19 - Exception remains. 2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers have 5 year mortgage history with no late payments. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 9 years on current job.

0769873862

XXXXXX

MN

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

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

The file is missing proof the HELOC loan with XXX was closed.

2.7.19 - Client responded. Total payoff XXX, Closing Disclosure and Payoff Indemnity (Close Line of Credit) for property XXX attached (2 attachments). File No. XXX matches Closing Disclosure and Payoff Indemnity (see pages 5-6).

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers have 5 year mortgage history with no late payments. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 9 years on current job.

0561724556

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:  Reserves required of $3734.02 x 12 = $44,808.24.  Verified reserves of $90,729.54. Excess reserves $45,921.30 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 6 years.

0145272423

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

CMPTRID4352

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

No

Cd XX/XX/XXXX Section: Other Costs, Field: Totals are illegible. Please provide a legible copy of CD XX/XX/XXXX

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed in the same profession for 20 years.

0145272423

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Lender exception approved noted for Borrower qualifying score of 672 below the minimum of 680.  Offsets; high residual income of $20k, 20 years employment in industry, excellent mortgage payment history with XXX since 1/2016, potential for increased earnings. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed in the same profession for 20 years.

0145272423

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

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

No

Missing 5 months of Rental History. Letter of Explanation in the file indicates that the Borrowers paid $66,000 cash up front and that this payment was verified. No lender exception in file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed in the same profession for 20 years.

0145272423

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.

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

2.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed in the same profession for 20 years.

0206665664

XXXXXX

NY

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 that HELOC has been paid and closed to future draws; Payoff and Close of XXX HELOC not executed as required.

2.14.19 - Client responded. Proof that HELOC was paid and closed to future draws attached (3 attachments).

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.02% . CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Cash reserves $428,350.97 ($297,914.75 retirement). Reserves required is $65,305.56 ($5,442.13 x 12).

0206665664

XXXXXX

NY

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

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing proof that HELOC has been paid and closed to future draws; Payoff and Close of XXX HELOC not executed as required.

2.14.19 - Client responded. Proof that HELOC was paid and closed to future draws attached (3 attachments).

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 16.02% . CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Cash reserves $428,350.97 ($297,914.75 retirement). Reserves required is $65,305.56 ($5,442.13 x 12).

0795755544

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 797 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.85 is below guideline requirement

0302005773

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 same profession for 21 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 764 from the primary wage earner. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 27.10% is 15.9% less than required 43%.

0931616791

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

CRDCRMH149

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

No

Borrower is a First time homebuyer with no rental history. Lender exception in file fir first time home buyer escrow waiver along with no mortgage/ rental payment history. Compensating factors include The brwr lives rent free in her fathers apartment. Transaction is a purchase at 71.429% LTV currently a prequal as no property is assigned. Brwrs FICO is 786. Credit profile, while lacking housing payment history, does contain sufficient depth to demonstrate borrowers willingness to repay. Multiple credit cards serviced for over 24 months build credit history. Borrower has trade lines dating back to 1997 with all payments made on time. A history of conservative reliance on consumer debt is present. There is no history of overleveraging credit usage to raise any concern about ability to manage proposed pmt. Brwr has no open installment debt and XXX  in rev debt and a XXX XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.06% Max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 66.82% Max 75%

0796489744

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

C

C

B

B

C

C

A

A

C

C

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 : Calculating Cash to Close, Field: Closing Costs Financed - Final $1899.67 and Clayton Calculation $1264.24, the difference is Costs Before Closing amount of $635.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 755. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 53%.

0796489744

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

C

A

A

C

C

B

B

C

C

A

A

C

C

B

B

Property Valuations

Value

Active

C

C

C

C

PRVAVALU153

Value Not Supported

Yes

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

7.27.18 - A Field Review was received with a reported value of $XXXXXX which is a variance of -XX.XX% less than the original appraised value of $XXXXXX. 7.27.18 - Exception remains. 8.10.18 - Client responded and has provided their rebuttal to Field review and additional comps for the vendor to review. 8.10.18 - Clayton has reviewed clients response and will forward to vendor for review along with additional comps. 8.10.18 - Exception remains. 8.27.18  - Vendor has responded with updated Field Review and additional commentary. Field review value has not changed and value not supported.

8.27.18 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 755. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 53%.

0744663449

XXXXXX

VA

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

Loan is non QM due to DTI Above 43%. Lenders 29.89/42.72% Claytons 31.04/43.97% Lender didn't calculated bonus income correctly for B1, also used YTD average for B1 which is higher than base income. Lender used average of YTD and 2017/2016 bonus however used wrong date from paystubs. Latest paystub dated 10/28= 9.90 months. Lender used paystub from 7/8= 6.26 months, also 2017 paystub dated 12/10 and used only 11.32 months, 2016 paystub dated 12/11 and used only 11.35 months instead of 12 months. 24681.89+23772.37+21183.03= $69,637.29/ 28.93= $2407.09 Bonus should be Average of YTD and 2017/2016 $24,681.89+ $23,772.37+ $21,183.08/33.90= $2,054.20/mo. B2:  Bi-weekly salary per paystub dated 11/3 $1,485.26x26/12= $3,218.06/mo, YTD as of 11/3 $31,900.16+ $729.66+ $1013.72= $33,643.54/10.10= $3,331.04 Used averaged of YTD base income due to variable hours billed for that income. Lender used YTD earnings from paystub dated 7/28: 21712.62+576.80+865.20= $ 23,154.62 23,154.62/ 6.90= $ 3355.74.

1.29.19 - Client responded. Loan is QM, DTI less than 43%.   B1:  $7500 (base pay) + $2054.20 (bonus) = $9554.20/mo   B2:  $3218.06/mo (base pay)  /  2016 W-2 $45,045.88/12 = $3,753.82  /  2017 W-2 $46,640.31/12 = $3886.69  / 2018 year-to-date earnings $38,769.25/23 (23 out of 26 pay periods) = $1685.62 x 26 = $43,826.11/12 = $3652.18/mo supported with 2016-2017 earnings. Total monthly qualified income $13,206.38 = $9554.20 (B1) + $3652.18 (B2). Lenders qualifying ratios 30.02/42.90%.1.29.19 - Clayton has reviewed. Base income for the borrower as of last paystub is 40 hours at $1856.58 per hour which is $3218.06 per month. That is the current base and you cannot average it out using the prior year W2's. Base is Base income. That being said the paystubs and W2's support another $434.12 in OT or bonus income used. The Decision Summary Notes state this was not used but in reality it was and supported by YTD paystub and W2's as additional income over the base. This decreases the DTI to 42.90% and under the QM required 43% max.

1.29.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.62 months PITI reserves verified, max per guidelines is 12 months

0744663449

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

Loan is non QM due to DTI Above 43%. Lenders 29.89/42.72% Claytons 31.04/43.97% Lender didn't calculated bonus income correctly for B1, also used YTD average for B1 which is higher than base income. Lender used average of YTD and 2017/2016 bonus however used wrong date from paystubs Latest paystub dated 10/28= 9.90  months Lender used paystub from 7/8= 6.26 months, also 2017 paystub dated 12/10 and used only 11.32 months, 2016 paystub dated 12/11 and used only 11.35 months instead of 12 months 24681.89+23772.37+21183.03= $69,637.29/ 28.93= $2407.09 bonus should be Average of YTD and 2017/2016 $24,681.89+ $23,772.37+ $21,183.08/33.90= $2,054.20/mo B2:  Bi-weekly salary per paystub dated 11/3 $1,485.26x26/12= $3,218.06/mo, YTD as of 11/3 $31,900.16+ $729.66+ $1013.72= $33,643.54/10.10= $3,331.04 Used averaged of YTD base income due to variable hours billed for that income Lender used YTD earnings from paystub dated 7/28: 21712.62+576.80+865.20= $ 23,154.62 23,154.62/ 6.90= $ 3355.74

1.29.19 - Client responded. Loan is QM, DTI less than 43%.   B1:  $7500 (base pay) + $2054.20 (bonus) = $9554.20/mo   B2:  $3218.06/mo (base pay)  /  2016 W-2 $45,045.88/12 = $3,753.82  /  2017 W-2 $46,640.31/12 = $3886.69  / 2018 year-to-date earnings $38,769.25/23 (23 out of 26 pay periods) = $1685.62 x 26 = $43,826.11/12 = $3652.18/mo supported with 2016-2017 earnings. Total monthly qualified income $13,206.38 = $9554.20 (B1) + $3652.18 (B2). Lenders qualifying ratios 30.02/42.90%.1.29.19 - Clayton has reviewed. Base income for the borrower as of last paystub is 40 hours at $1856.58 per hour which is $3218.06 per month. That is the current base and you cannot average it out using the prior year W2's. Base is Base income. That being said the paystubs and W2's support another $434.12 in OT or bonus income used. The Decision Summary Notes state this was not used but in reality it was and supported by YTD paystub and W2's as additional income over the base. This decreases the DTI to 42.90% and under the QM required 43% max.

1.29.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.62 months PITI reserves verified, max per guidelines is 12 months

0554085851

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD disclosed finance charges of $430,357.52, per Clayton pay stream calculations, finance charges are $431,145.74, resulting in understated finance charges of $788.22.  Unable to determine source of understatement, missing itemization.  PCCD XX/XX/XXXX CORRECTS Finance charges . Exception Satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 32.09%; max per guidelines is 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 75 months mortgage history reviewed with 0x30 late payments.  Minimum per guidelines is 12 months 0x30.

0554085851

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Final CD disclosed finance charges of $430,357.52, per Clayton pay stream calculations, finance charges are $431,145.74, resulting in understated finance charges of $788.22.  Unable to determine source of understatement, missing itemization. PCCD XX/XX/XXXX corrects Loan calculation screen. Exception SATISFIED

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 32.09%; max per guidelines is 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 75 months mortgage history reviewed with 0x30 late payments.  Minimum per guidelines is 12 months 0x30.

0554085851

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

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

No

Missing LOE verifying borrowers living rent free since sale of prior residence as stated in the Underwriter Decision Summary.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 32.09%; max per guidelines is 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 75 months mortgage history reviewed with 0x30 late payments.  Minimum per guidelines is 12 months 0x30.

0362946673

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

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 date XXX, HCO dated 11/19/18.

2.15.19 - Client responded. Disagree: Borrower was pre-qualified on XX/XX/XXXX. Property selected and address added XX/XX/XXXX. RESPA reg Z app date is XXX for LE Timing. ** See attached loan notes and supporting 1003 documents.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets = $774,212.93 with post closing reserves of $379,204.83 or 41.55 months PITI reserves.  Reserves required:  $120,663.24  (12 x $10,055.27) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Fico = 766; Minimum required per guidelines is 680.

0362946673

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

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 date XXX; Service Provider List dated 11/19/18.

2.15.19 - Client responded. Disagree: Borrower was pre-qualified on XX/XX/XXXX. Property selected and address added XX/XX/XXXX. RESPA reg Z app date is XXX for LE Timing. ** See attached loan notes and supporting 1003 documents.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets = $774,212.93 with post closing reserves of $379,204.83 or 41.55 months PITI reserves.  Reserves required:  $120,663.24  (12 x $10,055.27) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Fico = 766; Minimum required per guidelines is 680.

0362946673

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Initial 1003 dated XXX Earliest LE is dated XX/XX/XXXX.

2.6.19 - Client responded. Disagree: Borrower was pre-qualified on XX/XX/XXXX. Property selected and address added XX/XX/XXXX. RESPA reg Z app date is XXX for LE Timing. ** See attached loan notes. 2.6.19 - Clayton has reviewed and document not provided. 2.15.19 - Client responded. Disagree: Borrower was pre-qualified on XX/XX/XXXX. Property selected and address added XX/XX/XXXX. RESPA reg Z app date is XXX for LE Timing. ** See attached loan notes and supporting 1003 documents.

2.6.19 - Exception remains. 2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets = $774,212.93 with post closing reserves of $379,204.83 or 41.55 months PITI reserves.  Reserves required:  $120,663.24  (12 x $10,055.27) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Fico = 766; Minimum required per guidelines is 680.

0362946673

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2542

Missing work authorization/VISA required for non-permanent resident aliens or foreign nationals

No

Missing H1B for current employer, XXX; H1B in file for B2, but it was authorized for the prior employer in which B2 is no longer employed.

2.6.19 - Client responded. The co-borrower's visa was still valid at the time of closing. Due to character space constraints, please refer to attached document providing additional detail and support.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets = $774,212.93 with post closing reserves of $379,204.83 or 41.55 months PITI reserves.  Reserves required:  $120,663.24  (12 x $10,055.27) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Fico = 766; Minimum required per guidelines is 680.

0789101482

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 is 720, borrower has a 792, which is 72 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $260,713.26 in total assets documented.  Effective amount is $217,616.34, with liquid assets of $152,970.96.  Post close reserves are $94,764.19.  Reserves required $3530.83 X 12=$42,369.96. 26.84 months reserves.

0540910363

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $30,357.69. Review calculates total to be $29,762.26. Please provide LOX, corrected PCD, & proof of delivery.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  62 months mortgage payments made to XXX as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  20 Years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $902,165.78($348,926.20 retirement). 12 months Reserves required ($8,383.61 X 12 = $100,603.32).

0524392112

XXXXXX

NY

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:  5.28 years at current residence per application. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10.7 years at current job per application.

0749249458

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

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender's approved exception for short liquid PCL.   Comp factors:  Residual income of $10,605, stable employment, ability to save with $281k of own funds into the transaction, established credit with low debt, rev debt use is high but rev debt is in line with income.  Housing shock is offset by solid residual income. Clayton has reviewed and deems non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 23 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 17.39 years.

0749249458

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

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 23 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 17.39 years.

0184259453

XXXXXX

AZ

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:  10.57 years at current residence per application. CFCFS2854: Significant time in profession - Clayton Comments:  11.08 years in current profession per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779.  Minimum score required is 680.

0131276373

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

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4395

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

No

Flood Certificate indicates property is located in a flood zone AE. Loan file contains a property insurance policy that includes  flood insurance effective date 9/12/2018-9/12/2019, coverage $500,000 with a premium of $1249/year. CD dated XX/XX/XXXX does not indicate that the flood insurance is escrowed.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 16 years CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 38 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for 32.01 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 807 which is 87 points above the guidelines requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months

0919362634

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 employed with current employer for over 16 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $37,644.24 reserves required for the subject transaction. Verified $154,940.61 or 49.39 months reserves.

0455739746

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 reserves $363,576.67 or 74.58 months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  18.69 time with current employer CFCFS1736: Significant time at current residence - Clayton Comments:  10 years 5 months

0092515144

XXXXXX

NJ

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

B

C

B

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

CD XX/XX/XXXX & CD XX/XX/XXXX Other Section Fee, Prepaid Interest $76.75 per day.XX/XX/XXXX-XX/XX/XXXX (19days x 76.75 is $1458.25) CD's show $1535.Please provide LOE/PCCD/Refund with correct figures.

1.5.18 - Client responded. Disagree:  12/12 to 12/31 is 20 odd days.  20 X 76.75 = $1535.   CD is correct and no post consummation CD required.1.5.18 - Clayton Compliance Department agrees as glitch in system that has now been corrected.

1.5.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  borrower has been employed in same industry for 20 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with representative fico score of 765.

0092515144

XXXXXX

NJ

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.

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

1.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  borrower has been employed in same industry for 20 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with representative fico score of 765.

0168383830

XXXXXX

HI

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.

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

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  14.88% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 representative FICO exceeds minimum 680 required.

0760693292

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

Missing VOR (cancel check/bank statement) for August 2018 to complete 12 months verification. We have 6/17 thru 10/18 but missing 8.18.

1.5.19 - Client responded. An acceptable 12 month VOR (13 consecutive payments of $2100) was obtained 7/17 thru 7/18 and then consecutive bank statements 9/18 - 10/18 continue to support the monthly rent payment of $2100. VOR and bank statements attached.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 789 exceeds guideline requirement of 680 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been on current job for 5 years, stable employment history.

0223628689

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

PCCD dated XX/XX/XXXX Corrects Finance charge issue. Exception satisfied

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0223628689

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

PCCD dated XX/XX/XXXX Corrects Finance charge issue. Exception satisfied

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0223628689

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

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

Please provide a revised CD with the corrected values in the LE column of the Calculating cash to close section, PC CD dated XX/XX/XXXX does not correspond to the LE'S in the file . Please provide a copy of the revised CD along with an LOX and verification CD was sent to borrower

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0223628689

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

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

Please provide a revised CD with the corrected values in the LE column of the Calculating cash to close section, PC CD dated XX/XX/XXXX does not correspond to the LE'S in the file . Please provide a copy of the revised CD along with an LOX and verification CD was sent to borrower

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0223628689

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

Please provide a revised CD with the corrected values in the LE column of the Calculating cash to close section, PC CD dated XX/XX/XXXX does not correspond to the LE'S in the file . Please provide a copy of the revised CD along with an LOX and verification CD was sent to borrower

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0223628689

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

Please provide a revised CD with the corrected values in the LE column of the Calculating cash to close section, PC CD dated XX/XX/XXXX does not correspond to the LE'S in the file . Please provide a copy of the revised CD along with an LOX and verification CD was sent to borrower

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0223628689

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

PCCD XX/XX/XXXX; Closing Infor is missing file number and transaction information is missing seller information. section B, title fess are missing payee name. section F, HOI missing is payee name. Revised CD required that includes missing information, Revised CD and LOX to borrower

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  16.34 months PITI reserves verified, max per guidelines is 12 months

0054467997

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

PCCD dated XX/XX/XXXX Closing Information section is missing file " and Loan Costs, Field B: Closing/Escrow, Courier, Lenders policy, and Loan tie in fee are missing payee and Field H: Owners policy is missing payee

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post Cash Reserves in the amount of $38,474.03;  PITI is $4,405.24; 8.73 months PITI in reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for 16.63 years.

0054467997

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

Missing 4 months of Rental History.  VOR dated 8/27/2018; Note Date is XX/XX/XXXX.  Borrower sold the previous home XX/XX/XXXX7 with0x30 on the Mortgage.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post Cash Reserves in the amount of $38,474.03;  PITI is $4,405.24; 8.73 months PITI in reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current employer for 16.63 years.

0045251489

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

CRDINC150

Income docs do not meet guidelines

No

Borrowers do not have two year history of rental property management. Exception approved to use rental income.  Client provided an approved exception for the use of rental income with less than a two year history due to reserves, credit score, and DTI. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has total time with current employer of 11 years 4 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $52,579.86; Verified reserves $176,734.11. PCL reserves $$81,497.83.

0123835864

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

CMPDOC225

Missing Rider

No

Lender to provide "Lender and Originator Disclosure Rider".

1.24.19 - Client responded. The Lender and Originator Disclosure Rider was originally delivered in the PDF on pages 792 and 794. Since the document was originally delivered, we will not be resending.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 23.98%; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have cash reserves in the amount of $222,080.38.

0437037271

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

Missing PDA to support original appraised value

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.87%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $78,737.43 of 19.57 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 801. Minimum credit score for this program is 720.

0614502550

XXXXXX

NY

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 the subject residence for over 45 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 52.84%. Maximum LTV 80.00% required.

0868906278

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 797 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.77 % is below guideline requirement

0875542300

XXXXXX

NJ

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 75%; maximum LTV 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  11 years with the same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Scores 795/771. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 84 months of mortgage payments made as agreed.

0972883035

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

CRDCRMH193

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

No

Missing VOR to verify 0x30x12 housing payment history.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for 10.43 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score.

0121405639

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:  Assets:  Reserves : $130,587.98Reserves required : $38,980.56 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI 25.54%

0575082727

XXXXXX

OR

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.

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

1.29.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of less than 22% is more than 10% below the maximum of 43%. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for over 20 years.

0516514516

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

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 25.78%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 representative credit score.

0140300600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

A

D

B

B

B

C

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

B1 WVOE shows employment start date 11/16/2017, missing letter of explanation for gap of employment from 6/16/17 to 11/15/17.

2.11.19 - Client responded. Per non agency guidelines, employment gaps do not require a written LOX from the customer if the underwriter determines gaps do not impact employment stability or continuance.  Notes from loan originator and underwriter address employment history (XXXXXXXXXX); copy of loan notes are attached.2.11.19 - Clayton has reviewed and as this is a QM requirement the LOX from loan originator and lender in file satisfies that requirement.

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  766 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 38.98%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  27.69 months PITI reserves verified, max per guidelines is 6 months

0140300600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

A

D

B

B

B

C

A

D

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC150

Income docs do not meet guidelines

No

1. Lender's approved exception, dated 12.06.18, for using rental income without having 2 years history of managing rental properties )borrower has 13 months history of managing investment properties).   Comp Factors:  Positive equity in subject, stable employment/income in marketable profession, strong residual income, excellent savings, 20 months PCL (12 months required)

2.11.19 - Client responded. LVAM exception using rental income to qualify without two years property management experience was approved by PCO 12-06-2018.2.11.19 - Clayton had reviewed and based on compensating factors considers non-material.

2.11.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  766 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 38.98%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  27.69 months PITI reserves verified, max per guidelines is 6 months

0140300600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

A

D

B

B

B

C

A

D

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC3204

Income Documentation Missing

No

B1 WVOE shows employment start date 11/16/2017, missing letter of explanation for gap of employment from 6/16/17 to 11/15/17.

2.11.19 - Client responded. Per non agency guidelines, employment gaps do not require a written LOX from the customer if the underwriter determines gaps do not impact employment stability or continuance.  Notes from loan originator and underwriter address employment history (part-time work due to birth of child and relocation to California); copy of loan notes are attached.

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  766 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 38.98%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  27.69 months PITI reserves verified, max per guidelines is 6 months

0140300600

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

A

D

B

B

B

C

A

D

A

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP2674

Property Issues Indicated 2

No

Subject based on appraisal pictures is an Attached PUD.  Appraisal listed as Detached PUD.  Provide a corrected appraisal.

2.11.19 - Client responded. Per non agency guidelines, an appraisal revision would not be obtained unless a material issue was present that would deem the original appraisal deficient..  Page 1 of the appraisal (Improvements section) indicates the type as detached; however, page 3 of the appraisal (Project Information for PUDs section) indicates the PUD unit is attached, as is also documented by the appraisal photos noted.

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  766 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 38.98%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  27.69 months PITI reserves verified, max per guidelines is 6 months

0875073691

XXXXXX

TN

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 over 7 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is less than 40% including a rental payment that the borrower will not be paying.  This is a primary residence and not a second home.

0835422106

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 reserves $386,917.54 or 73.58 months reserves. CFCFS2854: Significant time in profession - Clayton Comments:  10 years

0865231802

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Need explanation for bi-monthly payments from B2 to XXX in the amount of $1500 each or $3,000/month from XXX account #XXX. DTI to be recalculated. Additional conditions may apply.

1.30.19 - Client responded. No additional debt to be included in the liability analysis (from XXX account #XXX). This is a person-to-person transfer using XXX (liquid assets).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Time on job = 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 738 exceeds the minimum of 680

0345401219

XXXXXX

CA

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:  22.62 years at current residence per application. CFCFS2854: Significant time in profession - Clayton Comments:  44 years in current profession per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  755.  Minimum required is 680.

0910463076

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 XX/XX/XXXX 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 calculating cash to close section adjustments and other credits is $553.69 and summaries of transaction calculation is 1946.31The $2500 Hero Program Credit was included in the seller credits rather than in Adjustments and other credits in the calculation cash to close section Final Column

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $92,024.97 or 17.48 months reserves. CFCFS2854: Significant time in profession - Clayton Comments:  8 years

0192180219

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

CMPDOC225

Missing Rider

No

Please provide executed copy of Rider as listed on the Deed of Trust. Provide the Lender and Originator Disclosure Rider.

1.24.19 - Client responded. Attached find the  Lender and Originator Disclosure Rider for this file.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 27.60%; max per guidelines is 43% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has over 70+ months positive mortgage history.  Per guidelines, minimum required is 12 months 0x30 late payments.

0943813112

XXXXXX

NY

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 verification of full PITIA for land for XXX as reflected on final 1003. Missing property tax verification.

2.14.19 - Client responded. Tax bill and 2 months XXX statements to verify land expense for XXXXXX attached. Property tax $55.55 ($166.65 x 4 = $666.60/12) + $118.58 (HOA) = $174.13/mo as reflected on final 1003.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.49% DTI below max 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 representative FICO exceeds minimum 720 requierd

0943813112

XXXXXX

NY

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

Provide verification of full PITIA for land for XXX as reflected on final 1003. Missing property tax verification.

2.14.19 - Client responded. Tax bill and 2 months XXX statements to verify land expense for XXX attached. Property tax $55.55 ($166.65 x 4 = $666.60/12) + $118.58 (HOA) = $174.13/mo as reflected on final 1003.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.49% DTI below max 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 representative FICO exceeds minimum 720 requierd

0619171641

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

CMPTRID3662

TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance

No

APR disclosed as 4.25% on final CD issued XX/XX/XXXX. PCCD CD XX/XX/XXXX listed the APR as 4.465%. This was corrected on PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $181,536.93 for reserves, required reserves was $62,024.04 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is 680, borrower score was 789

0923479161

XXXXXX

NY

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 27312.61 actual calculation 26682.18 closing costs 10639.81 - POC 740.91 =26682.18

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 42.35% below program maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 753 is above the program requirement.

0923479161

XXXXXX

NY

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrowers are short PCL reserves 2 months. Approved exception for reserves short of 50% liquid assets for reserves.  Underwriter used the following compensating factors for exception:  high residual income, borrower letter of explanation indicates utilizes 401k and 529 accounts for saving for three children education; LTV is fairly low  42.353% which is below 70.00% program maximum, and PCL shortage can be made up in less than half a month of net income.  $1,481,806.57 in total assets verified. Assets of $26,981.77 are liquid. Final CD reflects no required funds to close.  Post close reserves $1,481,806.57.  Required reserves $7,726.54*12 mos.=$92.718.48.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 42.35% below program maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 753 is above the program requirement.

0320294073

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:  33.82% DTI below max 43% allowed. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 10 years,.

0733168130

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 employed with current employer for over 14 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $159,730.92 reserves required for the subject transaction. Verified $1,984,951.68 or 253.82 months reserves

0086101494

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 employed with current employer over 8 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer over 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $41,834.88 reserves required. Verified $839,279.41 or 240.74 months reserves

0079807824

XXXXXX

CA

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

1.) Provide 1120 business returns to verify if borrower has any percentage of ownership in XXX. Per the CA SOS Website, the registered agent is also XXX same as borrower or provide evidence borrower has no ownership/interest in XXX.

1.30.19 - Client responded. 1120 business returns not obtained for XXX Paystub(s), W-2s, 1040 tax returns and VOE in file to support  income/employment (decision logic) used to qualify.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the subject residence for over 23 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 26.39%. Maximum LTV allowed 70.00%

0079807824

XXXXXX

CA

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 5176.47 actual calculation  4481.47 closing costs 5176.47 - POC 695 = 4481.47

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the subject residence for over 23 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 26.39%. Maximum LTV allowed 70.00%

0079807824

XXXXXX

CA

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

CRDINC3204

Income Documentation Missing

No

1.) Provide 1120 business returns to verify if borrower has any percentage of ownership in XXX Per the CA SOS Website, the registered agent is also XXX same as borrower or provide evidence borrower has no ownership/interest in XXX.

1.30.19 - Client responded. 1120 business returns not obtained for XXX Paystub(s), W-2s, 1040 tax returns and VOE in file to support  income/employment (decision logic) used to qualify.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the subject residence for over 23 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 26.39%. Maximum LTV allowed 70.00%

0929754490

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

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide  acknowledgement of receipt of CD 3 days prior to consummation. Initial CD sent by mail XX/XX/XXXX Earliest Transaction XX/XX/XXXX.

1.30.19 - Client responded. Disagree:  see attached initial CD with Issue Date XX/XX/XXXX and Disclosure Tracking documentation.  No 3day Timing violation.

1.30.19 -Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.5 Max 43

0929754490

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

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

Inconsistency between the amounts disclosed for the Prepaid Interest on the CD due to date range for Prepaid Interest on all CDs shows XX/XX/XXXX to XX/XX/XXXX and should be XX/XX/XXXX to XX/XX/XXXX to capture 8  days at 69.94  to =  559.52. Please provide POST CD, LOE and proof of delivery within 60 days of consummation to correct issue.

1.30.19 - Client responded. Disagree: Consummation CD includes prepaid interest 12/24 to 12/31 which computes to 8 days  @ $69.94 and $559.52.   Prepaid interest is correct.

1.30.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.5 Max 43

0570717676

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

Repayment Ability

Active

B

B

B

B

CMPSTRA1499

MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst

No

MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 24 years

0570717676

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

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

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 24 years

0570717676

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

State Consumer Protection

Active

B

B

B

B

CMPSTCP1539

MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst

No

MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 24 years

0425138382

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

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Please provide legible copy of I-797-A for co-borrower

1.8.19 - Client responded. I-797-A provided as required.

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.32%. Max DTI is 43% CFCFS2860: Good credit history - Clayton Comments:  No previous or current derogatory credit

0425138382

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

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Dwelling coverage is $336,000 ( Dwelling $280,000 + Extended Replacement costs $56000) , Loan amount is $XXXXXXX . Provide proof of insurance with adequate coverage amount or insurer's replacement cost estimate.  Please provide one of the following: Form E6047, Protector Plus Policy or HO3 w/endorsement of E-6196

1.7.19 - Client responded.  Sufficient insurance. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. Policy attached.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.32%. Max DTI is 43% CFCFS2860: Good credit history - Clayton Comments:  No previous or current derogatory credit

0544905154

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

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

2.4.19 - 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 24.42 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers resided 14.94 years in current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 756 for the primary wage earner exceed g/l requirement of 720.

0634171987

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Assets

Satisfied

B

A

B

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing verification of account owners for the XXX accounts XXX, XXX & XXX (savings account). Transaction Histories in file do not reflect the account owners.

1.30.19 - Client responded. Asset verification was not required for these accounts. XXX accounts XXX, XXX & XXX not used in decisioning.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been with the same employer for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been with the same employer for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Scores 771/795.

0634171987

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH148

Credit report stale dated at closing

No

The report in file is dated 08/16/2018 and is greater than 120 days old, underwriter did not document reasoning for accepting stale dated credit as required by Non Agency Underwriting Guidelines page 182 for the permitted 10 day variance.

1.30.19 - Client responded. Underwriting notes attached to include compensating factors and decision logic (offsets).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been with the same employer for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been with the same employer for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Scores 771/795.

0884578194

XXXXXX

NY

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

available $209,751.69liquid $139,735.92FTC $90,146.47 reserves are $79,751.69 ($70,015.77 are retirement). Per guidelines, Borrowers may utilize retirement assets to meet 50% of the transaction post-closing  reserve requirements unless they have penalty free access.Reserves required are $51,889.32 ($4,324.11x12).Available :$9,735.92 ($79,751.69-$70,015.77)$25,944.66 ($51,889.32 x 50%)total qualified reserves are $35,680.58short reserves in the amount of $16,208.74 ($51,889.32-$35,680.58)

2.7.19 - Client responded. Assets are sufficient. Summary of assets attached. 2.7.19 - Clayton has reviewed additional document notes and re-calculated assets.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 749. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years working for same company.

0432453845

XXXXXX

NY

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

1. Missing Property Tax Cert XXX, XXX2. Missing VVOE within 20 business days prior to note.

1.21.19 - Client responded. 1- Property Tax Statement attached  2- VVOE attached

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $1,717,082 or 583.17 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 10 years

0432453845

XXXXXX

NY

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 Property Tax Cert XXX

1.21.19 - Client responded. Property Tax Statement attached for non-subject property XXX

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $1,717,082 or 583.17 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 10 years

0432453845

XXXXXX

NY

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

CRDINC152

Missing verbal VOE required by guidelines

No

Per Non Agency guidelines page 125,  A verbal verification of employment (VVOE) must be completed within 20 business days prior to the date printed on the note.  Document missing from file.

1.21.19 - Client responded. VVOE attached

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $1,717,082 or 583.17 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 10 years

0967289564

XXXXXX

WA

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 current stock price and vesting schedule for restricted stock income.

1.30.19 - Client responded. Vesting schedule for restricted stock (RSU) and summary of income attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $23,669.79 = 5.8 months of additional PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 761; minimum score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has been with XXX as a home mortgage customer since 2013 with no mortgage late payments.

0967289564

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

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:  Remaining Post-Closing reserves $23,669.79 = 5.8 months of additional PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 761; minimum score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has been with XXX as a home mortgage customer since 2013 with no mortgage late payments.

0967289564

XXXXXX

WA

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 current stock price and vesting schedule for restricted stock income.

1.30.19 - Client responded. Vesting schedule for restricted stock (RSU) and summary of income attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $23,669.79 = 5.8 months of additional PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 761; minimum score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has been with XXX as a home mortgage customer since 2013 with no mortgage late payments.

0206310939

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

Missing PDA to support original appraised value

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  16.50 years at current residence per application. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  21.27 years at current job per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801.  Minimum required is 680.

0206310939

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

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection since the Declaration Date 11/12/2018; Effective date 11/25/2018  Fema Disaster- Wildfires.

1.2.19 - PDI provided and reflects no damage.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  16.50 years at current residence per application. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  21.27 years at current job per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801.  Minimum required is 680.

0964476285

XXXXXX

FL

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:  Borrower has 0 late mortgage payments in last 12 months. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory items listed on credit report.

0663325837

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 16.31 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of Cash Reserves $584,202.41.

0561526780

XXXXXX

MA

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

Missing Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs $56,064.12 in reserves, borrower has $108,547.93 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower qualifying score is 783

0561526780

XXXXXX

MA

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 3rd party valuation to support original appraised value

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs $56,064.12 in reserves, borrower has $108,547.93 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower qualifying score is 783

0343496520

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance Charge Difference - TRID: -103.33. Corrected on PC CD dated XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers' owned their previous home for22 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in his profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified liquid assets of $429,047.19 minus funds to close of $133,099.65 = $295,947.54 / pitia $3214.90 = 92.05 months reserves. Requires 12 months of reserves at $3214.90 = $38,578.80.

0343496520

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Corrected on PC CD dated XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers' owned their previous home for22 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in his profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified liquid assets of $429,047.19 minus funds to close of $133,099.65 = $295,947.54 / pitia $3214.90 = 92.05 months reserves. Requires 12 months of reserves at $3214.90 = $38,578.80.

0124989229

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 close reserves in the amount of $425,836.85. Reserves required $7202.52*12=$86,430.24 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years

0588880336

XXXXXX

AZ

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:  0 x 30 days late in most recent 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  28 years in current profession.

0743162160

XXXXXX

NC

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

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

CD: : XX/XX/XXXX   Section: Other Costs, Message: Field: Prepaid Interest From Date, Value: XX/XX/XXXX to  Prepaid Interest To Date, Value: XX/XX/XXXX (18 days) is no consistent with  Amount Per Day, Value: $68.00 =  Value: $952.00.

1.31.19 - Client responded. Disagree - Loan closed on XX/XX/XXXX but disbursed on XX/XX/XXXX. Prepaid interest is collected as of disbursement. Prepaid Interest collected from XX/XX/XXXX through XX/XX/XXXX is 14 days. Daily value of $68.00 x 14 days collected = $952 of prepaid interest.

1.31.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $137,362.33 @ 30.61 PITIA months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 17 years.

0345824205

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:  Fico score = 803 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI of 22.01% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $416,492.22 or 154.51 months PITI reserves.

0284951039

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 20 years in current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 29.10% which is below the guideline maximum.

0123924729

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

Legal Documents

Satisfied

D

A

D

A

CRDLGL2277

Note Not Executed

No

Provide copy of fully executed document.  Note in file executed by B1 only not signed by B2.

1.28.19 - Client responded.  See attached copy with signatures of both borrowers.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $609,793.38 ($148,436.78 retirement included). Reserves required $7,733.41 x 12 = $92,800.92 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 16.16% below guideline requirement of 45%..

0594268079

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 3 has 29 years on the current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrowers 3 & 4 have 20 years in their current residence.

0988778191

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC150

Income docs do not meet guidelines

No

Lender exception for using rental income with less then 2 year history of property management. Lender compensating factors are Meets PCL with liquid assets, good retirement savings, Both more than  2 years on current jobs, no credit derogs, increasing income and revolving credit is moderate.

1.14.19 - Client responded. LVAM approved exception - Borrower has < 2 yrs property management experience. Exception approved under the PCO delegated authority.

1.14.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.96% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 796.

0988778191

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Provide disaster inspection.  Disaster dated 11/25/18; appraisal inspection dated 11/8/18. Clayton to order.

1.14.19 - PDI provided and no damage.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.96% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 796.

0263638232

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:  Required reserves is $35,695.20. Total reserves available $62,978.99. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score 680, borrower qualifying score is 789

0572574284

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

D

A

D

B

D

B

B

A

D

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 XXX Employment verification is not within 30 days of note date/closing date.  The VOE is dated XX/XX/XXXX and the note date/closing date is XX/XX/XXXX. Short 1 day.

1.5.19 - Client responded. VOE (re-verification) B1 XXX employment attached. Copy of State Corporation Cert provided.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXXfor 10 year and 9 months. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in her profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds the minimum credit score of 680, 128 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  42 months mortgage history with no late pays.

0572574284

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Afb disclosure. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXXfor 10 year and 9 months. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in her profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds the minimum credit score of 680, 128 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  42 months mortgage history with no late pays.

0572574284

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

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

No

B1 XXX Employment verification is not within 30 days of note date/closing date.  The VOE is dated XX/XX/XXXX and the note date/closing date is XX/XX/XXXX. Short 1 day.

1.5.19 - Client responded. VOE (re-verification) B1 XXX employment attached. Copy of State Corporation Cert provided.

1.5.19 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXXfor 10 year and 9 months. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in her profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds the minimum credit score of 680, 128 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  42 months mortgage history with no late pays.

0572574284

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

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

1.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXXfor 10 year and 9 months. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in her profession for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds the minimum credit score of 680, 128 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  42 months mortgage history with no late pays.

0567386122

XXXXXX

PA

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 current verbal VOE with in 20 business days of closing for B1.

1.17.19 - Client responded. Verbal VOE within 20 business days of closing for B1 attached.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 12 mo piti or $39,377.52, borrower has $321,144.61 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed is 720, borrower score is 810

0567386122

XXXXXX

PA

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

Per guidelines housing payment history is required, missing VOR for last 12 months

1.17.19 - Client responded. Borrowers have no rental payment history, currently living rent-free with family. Prior homeowners from 1/2011 and sold in XX/XX/XXXX, see credit report tradeline 37 (XXX). Underwriting Notes, Credit Report and VOM of prior homeownership attached.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 12 mo piti or $39,377.52, borrower has $321,144.61 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed is 720, borrower score is 810

0567386122

XXXXXX

PA

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

B

A

B

A

CRDINC2488

Verbal verification of employment missing

No

Missing current verbal VOE with in 20 business days of closing for B1.

1.17.19 - Client responded. Verbal VOE within 20 business days of closing for B1 attached.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs 12 mo piti or $39,377.52, borrower has $321,144.61 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed is 720, borrower score is 810

0035053314

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 been with current employer since 2006. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $6141.09 x 12 = $73,693.08Verified reserves $218,785.96Post Closing liquid reserves $58,059.03.Excess total reserves $145,092.88

0634915496

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:  required reserves is 39,306.96, borrower has $173,336.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score allowed 680, borrower qualifying score is a 752

0670644495

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:  The borrower's credit score is 797, 77 points above the required 720 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower is required to have 12 months PITI reserves:  12   x   $6,424.37   =   $77,092.44The borrower has $315,135.89 (49.05 months PITI) in post closing assets CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is 28.58%; up to 43% is allowed

0224355163

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

MD Counseling Notice not in file missing DCHD. Please provide

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 815. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65%.

0198481897

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:  30.38% DTI below max 43% allowed

0986059904

XXXXXX

CA

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

Missing verification of employment for B2 to evidence no gaps over one month as is required per guides and appendix Q; VOE for b2 reflects start date of 7/23/18 and no previous employment VOE provided or previous employment pay stub dated near 7/23/18 to show no gap over one month. Downgraded to non-material.

1.14.19 - Client responded. No previous VOE or pay stub were required for B2 from XXX No apparent employment gap over one month. Loan Application reflects dates of previous employment from 6/02/14 - 7/06/18. Hire date at XXX was 7/23/18. Borrower has been in the same profession over 5 years and changed jobs to advance in the same line of work. 2018 income used to qualify consistent with 2016-17. Summary of employment (Underwriting Notes) and 2016-17 income attached (2 attachments).

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 exceeds guidelines of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 44.74 is below guideline requirement of 80%.

0986059904

XXXXXX

CA

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

CRDINC2340

Employment verification does not meet guidelines

No

Missing verification of employment for B2 to evidence no gaps over one month as is required per guides and appendix Q; VOE for b2 reflects start date of 7/23/18 and no previous employment VOE provided or previous employment pay stub dated near 7/23/18 to show no gap over one month. Downgraded to non-material.

1.14.19 - Client responded. No previous VOE or pay stub were required for B2 from XXX. No apparent employment gap over one month. Loan Application reflects dates of previous employment from 6/02/14 - 7/06/18. Hire date at XXX was 7/23/18. Borrower has been in the same profession over 5 years and changed jobs to advance in the same line of work. 2018 income used to qualify consistent with 2016-17. Summary of employment (Underwriting Notes) and 2016-17 income attached (2 attachments).

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 exceeds guidelines of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 44.74 is below guideline requirement of 80%.

0624162683

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 $58,916.16 in reserves, the borrower has $398,409.21 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed is 720, borrower has a 809

0436638295

XXXXXX

CO

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.

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

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 35 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 9.9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 784 is 104 points higher than required 680.

0071109213

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:  $176,023.87 post closing cash reserves; 54.09 months PITIA.  6 months PITIA required (3254.02*6) = 19,524.12 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 25 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 783 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 31.08% DTI back end.

0929564003

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 773 exceeds guidelines 720 score CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.32% below guideline requirements 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Reserves $133,727.85 - 23.69 months.  9 months reserves required ($5,644.71 x 9 = $50,802.39.

0697003292

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:  Co-borrower has 5 years in current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 24.41% which is below the guideline maximum.

0090205781

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

Income/Employment

Active

C

B

C

B

CRDINC150

Income docs do not meet guidelines

No

Lender approved exception for borrower having less than two years property management experience.   Borrower purchased first investment property on XX/XX/XXXX and is only reporting on the 2017 Schedule E. The second property was purchased in XXXXXXX. Comp Factors:   DTI 40% -FIX30 -Loan amount $XXXXX -XX.XX% ltv/cltv -12MONTHSRESERVES

2.7.19 - Client responded. LVAM approved exception - Borrower has less than 2 years of property management experience. Exception approved under the PCO delegated authority. 2.7.19 - Clayton has reviewed and based on compensating factors considers non-material.

2.7.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Time at residence = 9 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Time on job = 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score = 775

0090205781

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

Legal Documents

Satisfied

D

A

D

A

CRDLGL2996

Missing Trust Documents

No

Missing executed trust documentation

2.6.19 - Client responded.The executed Trust Documentation was originally delivered in the PDF on pages 629-631 and 632-634. Since the documents were originally delivered, we will not be resending.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Time at residence = 9 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Time on job = 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score = 775

0944327586

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

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

No

Missing Verbal Verification of Prior Employment or documentation supporting 2 years employment for borrower.  Borrower has been on current job less than 2 years (1 year 7 months).

1.14.19 - Client responded. 1- Final VVOE completed inside lender requirements for both borrowers (attached).  2- No prior VOE for B2 was required. Loan Application reflects dates of previous employment at XXX from 5/01/16 - 5/01/17. Hire date at XXX was 5/01/17. 2016-17 W-2s obtained (attached) to document 2-year history of employment and no gaps that span one or more months. Borrower has been in the same profession over 4 years and changed jobs to advance in the same line of work.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Reserves $77,377.26 - 24.14 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 780 exceeds guidelines 680 score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.02% below guideline requirement 43%

0698175684

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:  800 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $59,233.92Verified Assets for reserves $230,163.22

0501021159

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR135

Unable to determine when subject property acquired

No

Provide breakdown of complete construction cost. Lender value based on cost of construction documentation that is not included in the file.

1.7.19 - Client responded.  Construction to permanent loan transaction. The overall effective age of the home was considered 0 years due to being new construction. The land was purchased XX/XX/XXXX with a sales price of XXX. Complete construction cost breakdown attached.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments in last 23 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 19 years.

0834597450

XXXXXX

PA

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 dated XX/XX/XXXX Calculating Cash to Close , Closing costs financed is $15, 348.67. Clayton calculation is $15,136.53 for a difference of $212.14 which is the cash to borrower and should be deducted from the Closing Costs Financed. Pleaser provide a revised CD that does not include Cash to borrower in closing costs financed. revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 27 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  789 qualifying score. Min required per guidelines is 680.

0834597450

XXXXXX

PA

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

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 27 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  789 qualifying score. Min required per guidelines is 680.

0357305167

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD XX/XX/XXXX disclosed finance charges of $1,044,406.60, per Clayton paystream calculations, finance charges are $1,045,848.60,resulting in understated finance charges of $1,442.00. Satisfied on PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  277,267.71 in funds to close plus 6 months PITIA for all properties owned (11,808.35*6) = 70,850.10 = 348,117.81 required in total funds.   Borrowers have verified 621,757.32 in funds leaving 344,489.61 in post closing cash reserves with 42.90 months PITI subject or 29.17 for all properties. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 789 score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 31.30% DTI.

0357305167

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Final CD XX/XX/XXXX Amount Financed, Value: $1253913.88 actual calculation $1252473.88, corrected on PCCD XX/XX/XXXX. Exception satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  277,267.71 in funds to close plus 6 months PITIA for all properties owned (11,808.35*6) = 70,850.10 = 348,117.81 required in total funds.   Borrowers have verified 621,757.32 in funds leaving 344,489.61 in post closing cash reserves with 42.90 months PITI subject or 29.17 for all properties. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 789 score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 31.30% DTI.

0357305167

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 the original appraised value.

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

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  277,267.71 in funds to close plus 6 months PITIA for all properties owned (11,808.35*6) = 70,850.10 = 348,117.81 required in total funds.   Borrowers have verified 621,757.32 in funds leaving 344,489.61 in post closing cash reserves with 42.90 months PITI subject or 29.17 for all properties. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 789 score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 31.30% DTI.

0841636145

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 verification of Hazard Insurance expense for REO property XXX

1.18.19 - Client responded. 2017 Schedule E of individual tax returns and underwriting notes attached to document hazard insurance expense for REO XXX (non-subject property). Underwriter used the higher amount of $144/mo vs the insurance expense from 2017 Schedule E.

1.18.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $616,084.41 or 68.08 months PITI exceeds guidelines. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession 22 years

0841636145

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

DTI

Satisfied

D

A

D

A

CRDDTI2540

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

No

Missing verification of Hazard Insurance expense for REO property XXX

1.18.19 - Client responded. 2017 Schedule E of individual tax returns and underwriting notes attached to document hazard insurance expense for REO XXX (non-subject property). Underwriter used the higher amount of $144/mo vs the insurance expense from 2017 Schedule E.

1.18.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $616,084.41 or 68.08 months PITI exceeds guidelines. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in same profession 22 years

0596613821

XXXXXX

MT

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

Please provide  acknowledgement of receipt of CD 3 days prior to consummation                                                                    Initial CD sent by mail XX/XX/XXXX Earliest Transaction XX/XX/XXXX.

1.31.19 - Client responded. "Disagree:The issue date on a couple of the closing disclosures is incorrect based on the time-stamp on the document.Here is the time-line of the closing disclosures in file: CD 001:  Issue date XX/XX/XXXX, Time-stamp XX/XX/XXXX  CD 002:  Issue date XX/XX/XXXX, Time-stamp XX/XX/XXXX  CD 003:  Issue date XX/XX/XXXX, * CD 004: Issue date XX/XX/XXXX,  CD 005 Issue date XX/XX/XXXX. Consummation is XX/XX/XXXX.  Initial CD was issued XX/XX/XXXX.  Including mail time, the earliest closing/transaction date will be XX/XX/XXXX. Consummation date of XX/XX/XXXX is acceptable as the borrower was provided the initial CD at least 3 days prior to consummation. **See attached YourLoanTracking documentation."

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with employer for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 representative FICO exceeds minimum 700 required.

0596613821

XXXXXX

MT

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

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

Inconsistency between the amounts disclosed for the Prepaid Interest on the CD due to date range for Prepaid Interest on all CDs shows XX/XX/XXXX to XX/XX/XXXX and should be XX/XX/XXXX to XX/XX/XXXX to capture 15 days at 64.88 to = 973.20.Please provide POST CD, LOE and proof of delivery within 60 days of consummation to correct issue.

1.31.19 - Client responded. Disagree:  Funds disbursed on XX/XX/XXXX.   Per Diem XX/XX/XXXX to XX/XX/XXXX computes to 15 odd days and total prepaid interest of $973.20.   Including XX/XX/XXXX, which is the next payment cycle would be incorrect.   Prepaid interest is correct.  XX will not remediate.

1.31.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with employer for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 representative FICO exceeds minimum 700 required.

0710315655

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

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Borrower(s) have 5 financed properties which exceed the maximum allowed of 4 with LTV of 80%. Greater than four financed properties are allowed for primary residence only when reserves equal at least 50% of the loan amount or LTV / CLTV is 60% or less. PCO / MEA 6 approval is required. Lender approved exception bookmarked in file for approval of 5 financed properties with subject at 80% & 50% of balance of loan covered in verified assets. Compensating factors of 81 months reserves, low front end ratio, high credit scores and strong equity position in other assets.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 14.57 years on his current job. CFCFS2860: Good credit history - Clayton Comments:  Borrower's credit score of 767 exceeded minimum  score of 720 by 47 points

0616694527

XXXXXX

MO

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 809. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.32%. Max DTI for this program is 43.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for 11 years.

0885314307

XXXXXX

NJ

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

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

CD XX/XX/XXXX,CD XX/XX/XXXX & CD XX/XX/XXXX, Prepaid Interest $59.93 per day XX/XX/XXXX -XX/XX/XXXX reflects 18 days @ 59.93 = 1078.74. Amount shown on CD is the equivalent of $59.93 X 20 days=$1198.67.Please correct with LOE/PCCD/Refund with correct amount.

1.15.19 - Client responded. Disagree. 12/13 to 12/31 is 19 Days.   19X$59.93=$1138.67.  This amount is accurately disclosed on consummation CD and post consummation CDs.   Not clear how TPR calculated 20 days and $1198.67; this is not consistent with Closing Disclosure.  See attached files.

1.15.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 14 years on current job. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years on current job.

0885314307

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Application

Satisfied

D

A

D

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Provide missing Data verify report (Fraud Report)

1.14.19 - Client responded. The Third Party Fraud Report was originally delivered in the PDF on pages 329-350. Please re-check images.

1.14.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 14 years on current job. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years on current job.

0465606312

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 initial CD XX/XX/XXXX was received by borrower 3 days before consummation date of XX/XX/XXXX.

2.15.19 - Client responded. Disagree. The Closing Disclosure was provided XX/XX/XXXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XX/XX/XXXX allowing at least 3 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 XX/XX/XXXX and, per XXX 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 completed date is attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 793 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.49% is below guideline requirement

0487279121

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

CRDINC2488

Verbal verification of employment missing

No

Verbal Verification of employment missing for B1; Per guidelines A verbal verification of employment (VVOE) must be completed within 20 business days prior to the date printed on the note.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 18.35% below guideline requirement of 43% ny 24.65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $286,312.29 or 44.77 months PITI.

0326043555

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:  Post close reserves are $502,733.29.  Reserves required $3433.88  x 12 = $41,206.56. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed 80%, loan closed at 54% LTV.

0450662646

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

PRVAPROP2674

Property Issues Indicated 2

No

Lenders exception request in file to Waive addendum for Solar Lease or PPA. Compensating factors include Customer has 812 fico w/ timely mtg history w/ XXX and credit use in line w/ income supporting willingness to pay. With strong residual income and $203k in brkge reserves post close, customer has the capacity to manage any expenses on leased solar panels.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 74.81%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.93%, max per guidelines is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Post Cash reserves in the amount of 233,039.17 guidelines required 58,150.44 .

0210952107

XXXXXX

FL

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.

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

1.18.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 26.20% which is below the guideline maximum.

0391390410

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

CMPTRID4320

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

No

Final CD XX/XX/XXXX  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. Corrected on PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 is 100 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed in the same profession for 10 years.

0611533290

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

80% LTV exceeds maximum 75% per guidelines. Exception Approval for a 5% LTV Exception for 2 unit primary residence (80% vs 75%). Compensating Factors:  Credit Score 748,  29 years in Profession, and Saving Ability.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 29 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  748  exceeded the guideline requirement of  720  by  28  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0029316843

XXXXXX

MA

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

Missing verbal VOE required by guidelines to confirm start and end date for previous employer XXX to meet 24 months employment and no gaps more than 1 month. Non material.

1.11.19 - Client responded. No VOE was required for previous employer XXX. Loan application reflects dates of previous employment from 10/05/15 - 3/03/17. Hire date at XXX was 3/06/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. Borrower has been in the same profession over 12 years and changed jobs 3/06/17 to advance in the same line of work.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guideline requirement of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% is below guideline requirements of 80%

0029316843

XXXXXX

MA

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

CRDINC152

Missing verbal VOE required by guidelines

No

Missing verbal VOE required by guidelines to confirm start and end date for previous employer XXX to meet 24 months employment and no gaps more than 1 month. Non material.

1.11.19 - Client responded. No VOE was required for previous employer XXX. Loan application reflects dates of previous employment from 10/05/15 - 3/03/17. Hire date at XXX was 3/06/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. Borrower has been in the same profession over 12 years and changed jobs 3/06/17 to advance in the same line of work.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guideline requirement of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% is below guideline requirements of 80%

0078288962

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:  B1 have been on current job for 14.30 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 27.33 years CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 27 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payment in the past 24 months

0036912651

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender exception in file due to  Retirement assets used for 50% of the PCL and client has 3.53 months liquid assets for PCL. 2.47 months short on the liquid portion needed for reserves.  Compensating factors include: Minimal use of revolving debt Excellent mtg. repayment history with XXX Low housing ratio at 17.54%/31.84% with a max allowed of 36%/50%.  Good retirement assets Strong residual income of $13k Long term  employment . excellent mtg. repayment history with XXX, minimal use of revolving debt, good LTV position of 58% on their departing residence.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760  qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.65%, max per guidelines is 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have strong mortgage history with no late payments.

0036912651

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Property

Satisfied

D

A

D

A

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

The file is missing the Condo questionnaire and or approval.

1.4.19 - Client response. Subject meets Streamline review guides therefore Condo Questionnaire not required.

1.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760  qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 29.65%, max per guidelines is 43%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have strong mortgage history with no late payments.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance charge understated by -730.44, corrected on PCCD XX/XX/XXXX. Exception satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

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: XX/XX/XXXX Section: Loan Calculations, Field: AmountFinanced, Value: 480415.00 and actual calculation is 479684.56, corrected on PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4243

TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts

No

PCCD XX/XX/XXXX Summaries of Transaction section actual calculation is $116298.76. Total due from borrower $606713.76  - Total paid already $490415 = $116298.76, Lender has $115776.33

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

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

PCCD XX/XX/XXXX Loan Costs section B: Closing, courier , Lenders policy and Loan tie in fee are missing payee. In addition, Other Costs section field F: HOI is missing payee

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

C

B

C

B

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

PCCD XX/XX/XXXX APR 4.679 and Final CD XX/XX/XXXX APR is 4.364 a .315 increase, A corrected CD should have been provided max allowed difference up or down in APR is .125. Interest rate on Note states 4.375% and PCCD interest rate states 4.625% no corrected CD was provided.

2.26.19 - Client responded. Disagree:  CD with issue Date XX/XX/XXXX is the initial CD issued on XX/XX/XXXX.   CD was included in package 001 and electronically delivered and acknowledged by the customer on XX/XX/XXXX.  Estimated closing date incorrectly populated to the issue.   This is a non numerical clerical error.  See attached supporting documentation.2.26.19 - Clayton has reviewed and based on documents provided the CD was issued and excepted by borrower on XX/XX/XXXX. That being said there is still an issue with the Issue date being incorrect but this is a non-material issue.

2.26.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

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

PCCD and LE XX/XX/XXXX values match, exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

PCCD and LE XX/XX/XXXX values match, exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

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

PCCD and LE XX/XX/XXXX values match, exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

PCCD and LE XX/XX/XXXX values match, exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

PCCD and LE XX/XX/XXXX values match, exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Pre-sale requirement not met, Pre-sale less than 70%. Lender approved exception citing: Long standing XXX builder relationship with a proven history of constructing and promptly selling out projects. Market conditions are highly favorable and the project's absorption rate suggests very strong market interest. Demonstrated savings ability. Payment shock limited to 19% increase. Low ratios. $10.5K/mos residual (policy minimum $4,500). Conservative revolving usage (RBTI/UBTI only 3.82%). See additional comments.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0614091908

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

C

B

C

B

B

B

C

A

C

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No subsequent property inspection completed after FEMA Disaster Declaration #4407 date of 11/25/2018, Wildfires

2.7.19 - PDI provided and no damage.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.05%; 18.93% below max per guidelines of 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18.37 months PITI reserves verified; exceeds required 12 months reserves by 6.37 months.

0376792966

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 of 797 exceed guideline requirement of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 3.48 years stable employment history

0288809972

XXXXXX

CA

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

Missing verification of no gaps over one month for B2's employment history over the past 24 months (2 sources required); VOE provided for current employment only, reflects start date 9/24/18.

1.7.19 - Client responded.  B2 has been in the same profession for 21 years. 1003 reflects no gaps in employment that span one or more months over the past 24 months. B2 left XXX. 9/21/2018 and started with XXX 9/24/2018 to advance within the same line of work. 2016-17 W-2s, 2018 XXX job offer letter (confirmation) and recent earnings statement supports steady and/or increasing income levels. Only regular pay used to qualify.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $470,778.82 or 102.72 months reserves. CFCFS2854: Significant time in profession - Clayton Comments:  21 years

0288809972

XXXXXX

CA

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

CRDINC2340

Employment verification does not meet guidelines

No

Missing verification of no gaps over one month for B2's employment history over the past 24 months (2 sources required); VOE provided for current employment only, reflects start date 9/24/18. Downgraded to non-material.

1.7.19 - Client responded.  B2 has been in the same profession for 21 years. 1003 reflects no gaps in employment that span one or more months over the past 24 months. B2 left XXX. 9/21/2018 and started with XXX 9/24/2018 to advance within the same line of work. 2016-17 W-2s, 2018 XXX job offer letter (confirmation) and recent earnings statement supports steady and/or increasing income levels. Only regular pay used to qualify.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $470,778.82 or 102.72 months reserves. CFCFS2854: Significant time in profession - Clayton Comments:  21 years

0261744185

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD disclosed finance charges of $1,165,701.55, per Clayton paystream calculations, finance charges are $1,164,138.75,resulting in understated finance charges of $1,562.80.   PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $796,032.51 in total assets documented.  Effective amount is $758,432.38, with liquid assets of $702,032.19.  Post close reserves are $193,966.70.

0261744185

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

There is a $1562.80 difference between the CD amount and Claytons calculated amount. PCCD Dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $796,032.51 in total assets documented.  Effective amount is $758,432.38, with liquid assets of $702,032.19.  Post close reserves are $193,966.70.

0707993290

XXXXXX

NY

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

Guidelines for a Co-Op (pg 272) state that the property must be 100% owner occupied.  The appraisal states that out of the 18 units in the building, one is Investor - Tenant occupied.  Building is 94.44% owner occupied and does not meet guidelines.

2.14.19 - Client responded. Minimum of 50% of the total units in Cooperative project must be owner occupied. Cooperative Project Approval Team (CPAT) Underwriting Certificate Review for project approval attached (see page 5, step 1).

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Mid score = 790 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI = 35.69% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $955,653.74 or 211.52 months PITI reserves.

0797720531

XXXXXX

NV

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

Per the values in the Summaries of Transactions Sections K and L Adjustments and Other Credits in the CCTC Table Calculation should show $161.73. Section L Allocation from Prepaid Interest amount of $51.88 in the Other Credits section Not included in Calculation. 51.88 - 156.11 - 57.50 = 161.73. CD shows $213.61. Provide PCCD, LOE and Proof delivery.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current home for 20.56 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 769 which is 49 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $148,464.48. Reserves required $3797.59 x 12=$45,574.08. 39.09 months reserves.

0376161016

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: XX/XX/XXXX    Other Costs Section E: Recording Fee does not itemize whether fees are from Mortgage or Deed.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $317,267.95($246,133.53 retirement).  Reserves required $5041.79 x 12 = $60,501.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  DTI is 27.37%.

0395398061

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:  Borrower has a median credit score of 810, which is 90 points higher than the guideline requirement of 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $162,686.07 in post-closing reserves, which is $126,946.03 more than the guideline required amount of $35,740.04, or 54 months in reserves of subject PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is 33.44%, which is 9.56% less than guideline max of 43.0%.

0050459493

XXXXXX

NH

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 documentation of REO expenses for XXX

1.21.19 - Client responded. All missing documentation of REO expenses for XXX attached.

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same profession for 11 years.

0050459493

XXXXXX

NH

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 monthly taxes $560, hoi $87 and hoa $75 on home located at XXX totaling $722.00

1.21.19 - Client responded. All missing components of non-subject PITI for property XXX attached. Page 4, Hazard Insurance $1046/12 = $87. Page 9, XXX $75/mo (recurring). Page 19, Property Taxes $6714/12 = $560.

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same profession for 11 years.

0323956289

XXXXXX

SD

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 779 exceeds guideline required score of 680 by 99 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.02% is below guideline requirement of 43% by 5.98 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $320,532.75 in verified excess reserves.

0724513934

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 initial CD XX/XX/XXXX was received by borrower 3 days before consummation date of XX/XX/XXXX. According to Data Master sheet borrower confirmed receipt on XX/XX/XXXX only two days prior to closing.

2.7.19 - Client responded. Disagree:  See eTracking documentation.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 777 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has 10 years 11 months at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 12 years 10 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 7 years 10 months at departing residence.

0263877348

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

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

CD XX/XX/XXXX and XX/XX/XXXX prepaid interest from XX/XX/XXXX to XX/XX/XXXX at $84.58 per day = $1,860.76. The TO date should read to XX/XX/XXXX.Please provide a Corrected CD , please provide revised CD and LOX to borrower.

1.16.19 - Client responded. Disagree with finding: The BCD & Final CD both reflect the correct amount of interest. There are 31 days in the month of December and the calculation is exactly 22 days of interest. No re-disclosure or refund is needed.

1.16.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $164,655..  Reserves required $4533.91 x 12 = $54,406.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 801, minimum required per G/L is 720

0190322237

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 25.23%. Max DTI for this program is 35.00% for first time home buyer and escrows waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 799. Minimum credit score for this program is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $63,621.66.  Reserves required $3,690.81 x 9 = $33,217.29

0285573149

XXXXXX

PA

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 DTI is 32.65%; max per guidelines is 43%

0273726232

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

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 the HOA fee, in the amount of $1185.83 (as reflected on the final 1003), on XXX.

1.31.19 - Client responded. Verification of the monthly HOA fee is $400. XXX is part of the condominium development XXX. See XXX 12-month payment activity from checking account x2132. $1185.83 (as reflected on the final 1003) is the total monthly expense of taxes, insurance and HOA. 2 attachments for PITI breakdown and HOA.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years in current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $691.010.00 which exceeds the required reserves.

0273726232

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH119

Consumer lates exceed guidelines

No

Lender's approved exception (pg 527)  for 1x30 rental payment history in the last 12 months.  Compensating factors:  $9k in residual income, established XXX since 09/2011, Excellent equity in rental property, minimum use of revolving credit, 5+ years with current employer, 46+ months PCL vs 12 required, 0x30 on current XXX on rental.

1.31.19 - Client responded. LVAM approved exception - Housing Payment History (Non-Conforming). Exception approved under the PCO delegated authority. 1.31.19 - Clayton has reviewed and considered non-material.

1.31.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years in current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $691.010.00 which exceeds the required reserves.

0273726232

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

Calculated DTI of 46.10% exceed guideline max of 43% due to difference in rental income/loss calculation.  Clayton calculated rent loss of ($1,044.92) on XXX, NJ property.  Lender calculated rent loss of ($89.00) as per the final 1003 (pg 102).  Lender did not factor in the HOA fee of $1185.83, as reflected on the final 1003.

1.31.19 - Client responded. No DTI exception was required. Calculated rent loss was ($89). Rental income analysis attached to show monthly property taxes, insurance and HOA were annualized and adjusted for in the final calculation. The $1185.83 is the total monthly expense of taxes, insurance and HOA for the property XXX. Payment breakdown 59.75 (tax) + 726.08 (insurance) + 400 (HOA fee) = $1185.83 as reflected on the final 1003. See 2 attachments for PITI breakdown and HOA. 1.31.19 - Clayton has reviewed doc provided and recalculated DTI.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years in current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $691.010.00 which exceeds the required reserves.

0273726232

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

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 the HOA fee, in the amount of $1185.83 (as reflected on the final 1003), on XXX, NJ.

1.31.19 - Client responded. Verification of the monthly HOA fee is $400. XXX is part of the condominium development XXX. See XXX 12-month payment activity from checking account XXX. $1185.83 (as reflected on the final 1003) is the total monthly expense of taxes, insurance and HOA. 2 attachments for PITI breakdown and HOA.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years in current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $691.010.00 which exceeds the required reserves.

0273726232

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR171

Subject Photos Unacceptable

No

Subject property appraisal is missing photos of the bedrooms.

1.31.19 - Client responded. See 2 page attachment from Collateral Review Team with property approval.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years in current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $691.010.00 which exceeds the required reserves.

0990231170

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:  Credit score of 788 is 68 points above the minimum required score of 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX in the same profession for over 18 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified post closing reserves of $303,093.61. Reserves required $11,326.22 x 12 = $135,914.64.

0971264255

XXXXXX

MA

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

The loan file is missing  Homeowners Association Certification (Form 921 or XXX HOA Cert) as required per Lender Guidelines.

1.4.19 - Client response. Subject meets Streamline review guides therefore Condo Questionnaire not required.

1.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  52.18.  Max allowed is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  755.  Minimum required is 680.

0560810451

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 20 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Total DTI is 33.10% which is below the guideline maximum.

0831621822

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 verification of taxes for property located at XXX

1.15.19 - Client responded. Verification of taxes for property located at XXX attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at the existing primary residence for over 9 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $68,064.36 reserves required for the subject transaction. Verified $277,013.79 or 48.84 months reserves

0831621822

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

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

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

No

Missing verification of 12 month mortgage payment history for XXX for property XXX.

1.15.19 - Client responded. 12 month mortgage payment history was not required for commercial property located at XXX loan statement #XXX attached to reflect current loan/payment details.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at the existing primary residence for over 9 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $68,064.36 reserves required for the subject transaction. Verified $277,013.79 or 48.84 months reserves

0831621822

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 verification of taxes for property located at XXX

1.15.19 - Client responded. Verification of taxes for property located at XXX attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided at the existing primary residence for over 9 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $68,064.36 reserves required for the subject transaction. Verified $277,013.79 or 48.84 months reserves

0178255154

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:  797 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.50% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $30,8738Verified Assets for Reserves $109,630

0855319459

XXXXXX

MN

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 updated valuation to support appraised value of $XXXXXX

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

1.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has worked for his employer for 14 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $269,796.22.  The borrower is required 12 months PITI reserves:  12  x  $3,987.80  =  $47,853.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower's credit score is 773, 53 points higher than the required 720 score

0836045827

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

CRDCRMH193

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

No

Provide VOR for rental history from 10/2018 to close to complete 12 month housing history.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  35 months of mortgages payments to XXX made as agreed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  On the job with the same employer for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $969,921.60 = 161 months of PITI.

0836045827

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

Income/Employment

Active

B

B

B

B

CRDINC3204

Income Documentation Missing

No

The 2017 1040 Transcripts reflect $938 in unemployment received; provide an LOE.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  35 months of mortgages payments to XXX made as agreed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  On the job with the same employer for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $969,921.60 = 161 months of PITI.

0947407241

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:  Representative credit score 804. Minimum credit score for this program is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in his profession for 25 years.

0458302017

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

CRDAPP130

Application is incomplete

No

Provide a legible copy of the final signed 1003.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  25 months of mortgage history paid as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  806/820 Scores. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  With the same employer for 6 years.

0876421269

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Child Support income of $1,000 per month, not being used to qualify, being used as com factor CFCFS1737: LTV below guideline requirements - Clayton Comments:  60% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $143,550Verified Assets for Reserves $1,766,783.35

0876421269

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Lender Exception: Does not meet min credit score requirement. Borrower also has 2 paid or unpaid charge offs within 2 years of application date. Per Non Agency G/L (page 69) min score required is 680. Borrower's middle score is 646. Credit Score Exception approved based on low ratio of 25.2% and residual income of $37k monthly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Child Support income of $1,000 per month, not being used to qualify, being used as com factor CFCFS1737: LTV below guideline requirements - Clayton Comments:  60% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $143,550Verified Assets for Reserves $1,766,783.35

0947432818

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 790 exceeds guidelines CFCFS2854: Significant time in profession - Clayton Comments:  B1 & B2 have been in profession for 11 years.

0597236848

XXXXXX

PA

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:  Total DTI is 28.03% which is below the guideline maximum. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have a 14 year history of good credit.

0708998352

XXXXXX

NY

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

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing Initial CD, per data disclosure spreadsheet a CD was sent XX/XX/XXXX and XX/XX/XXXX. Please provide both CD's

2.19.19 - Client responded. Disagree.  Closing date is XX/XX/XXXX.  XXX Audit Trail reflects Initial CD Date Issued XX/XX/XXXX was received by borrower XX/XX/XXXX, more then three business days prior to consummation. CD issued XX/XX/XXXX received by borrower XX/XX/XXXX. See attached CD XX/XX/XXXX, CD XX/XX/XXXX & etracking .

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrowers qualifying score is 787 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4104.48 and $50,419.56, Total available reserves $84,246.63

0708998352

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

A

A

C

A

C

B

B

B

A

A

C

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH149

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

No

Exception: for no housing/rental payment history co borrower: co borr  has lived with family rent free, but has established credit to meet policy requirements. This has allowed for a focus on savings and minimal use of revolving debt. borrower has housing payment history and also acceptable established credit ATR is well supported and savings pattern established. The impact of risk for lack of b1 housing payment history is minimal and well offset by balance of file strengths.  Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrowers qualifying score is 787 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $4104.48 and $50,419.56, Total available reserves $84,246.63

0822540006

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

Missing 3rd party valuation to support original appraised value of $XXXXXX

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

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 4.44 years stable employment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 exceeds guideline requirements

0822540006

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

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection subsequent to FEMA declared disaster effective 11/25/2018 for Wildfires. Appraisal is dated 11/21/2018.

1.14.19 - PDI provided and no damage.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 4.44 years stable employment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 exceeds guideline requirements

0202102695

XXXXXX

FL

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

CRDAST205

Insufficient Funds to Close

No

Per guidelines require evidence of liquidation for additional retirement funds needed to close. Provide documentation to  evidence $48,872.40 liquidated. No underwriter judgment was noted in decision notes indicating liquidation was not required.

2.19.19 - Client responded. Sufficient funds to close. Evidence (documentation) of liquidation attached. Cash equivalents from XXX $198,952.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 representative credit score exceeds guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 38.01%; max per guidelines is 43%

0202102695

XXXXXX

FL

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

All remaining reserves are retirement funds. Per guidelines, only 50% of these assets may be utilized towards the reserve requirement.

2.19.19 - Client responded. Sufficient funds to close. Evidence (documentation) of liquidation attached. Cash equivalents from XXX $198,952.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 representative credit score exceeds guideline requirement of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 38.01%; max per guidelines is 43%

0977486583

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

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.   Missing end date with prior employer for Borrower 2 to verify whether or not there is an employment gap of 1 month or less.

1.14.19 - Client responded. No apparent employment gap over one month for B2. Loan Application (URLA) reflects dates of previous employment at XXX from 6/02/14 - 6/01/18. Hire date at XXX was 6/11/18. Borrower changed jobs to advance in the same line of work. Executed URLA attached.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has 9 years 6 months at current job. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 13 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 782 above program requirement 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $206,682.75 in total assets verified.  All assets liquid .Final CD reflects required funds to close, $105,912.65.   Post close reserves $86,670.10.  Required reserves $3,127.33*12 mos.=$37,527.96.

0977486583

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

CRDINC150

Income docs do not meet guidelines

No

Guidelines require documentation to verify Borrower 2 employment history with no employment gaps of not more than one month.  Borrower 2 started current employment on 6/11/18.  No documentation located in file to support end date with prior employer.  Provide verification of end date with prior employer.

1.14.19 - Client responded. No apparent employment gap over one month for B2. Loan Application (URLA) reflects dates of previous employment at XXX from 6/02/14 - 6/01/18. Hire date at XXX was 6/11/18. Borrower changed jobs to advance in the same line of work. Executed URLA attached.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has 9 years 6 months at current job. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 13 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 782 above program requirement 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $206,682.75 in total assets verified.  All assets liquid .Final CD reflects required funds to close, $105,912.65.   Post close reserves $86,670.10.  Required reserves $3,127.33*12 mos.=$37,527.96.

0252573373

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 808 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 30.713% below program maximum of 43.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years same line of work.

0276767090

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH122

Foreclosure history does not meet guidelines

No

B2 had a short sale that resulted in charge off of $23,364 in XX/XX/XXXX.  Per Guidelines, no short sale allowed with LTV > 70%.Exception approved - B2  foreclosure dated XX/XX/XXXX allowed due to B1 being able to qualify on his own. Loan is stronger with both borrowers on the loan. Both borrower have mid score over 800. Both minimal users of credit. Borrower has 28 years on job.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 has two year history of commission earnings not used in qualifying. Qualifying on base income only of $2603.08/mo.2018 gross avg $153,070.57 / 11 =$13,915.512017 gross avg $119,882 / 12 =$9990.17 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer since November 1990. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $54,276.60; Verified reserves $765,462.50. Excess reserves $711,185.90. PCL reserves $376,035.57.

0657801531

XXXXXX

WI

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 19 years on current job. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers have history of bonus income that was not used to qualify.

0011791318

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:  755 representative FICO exceeds minimum 700 required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  17.73% DTI below max 43% allowed CFCFS1737: LTV below guideline requirements - Clayton Comments:  61.11% LTV below max 80% allowed.

0295936226

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

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliated business disclosure is missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $397,510.94.  Reserves required $8492.66 x 12 = $101,911.92 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 68%, max allowed per G/L is 80%

0190758447

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

Missing PDA to support original appraised value.

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with almost 8 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close cash  reserves of $181,705.08/3559.35=51.05 months PITI reserves exceeds 12  months requirement of $42,712.20. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is below guideline requirement at 62.45.

0171169980

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

Lender includes POC fees in Closing Costs Financed. Closing costs 2419.08 - 635.43 = 1783.65 is what should be disclosed as closing costs financed from loan amount. Please provide a revised CD that states the correct value. Please provide borrower with revised CD and LOX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 50.12% below program maximum 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 784 above program requirements 720. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 9 years 11 months at current residence.

0171169980

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

Guidelines indicate retirement assets may be used to meet 50% of the reserves requirements.  Subject loan transaction requires 9 mos. reserves.  Only 2 mos. verified by liquid assets and remaining reserves verified by retirement assets which exceed guideline limitations.(Page 177)   **Lender exception in file reflects approval  of use of retirement assets to exceed the 50% requirement.

1.17.19 - Client responded. LVAM approved exception - Reserve requirements / Post Close Liquidity (PCL) requirement. Exception approved under the PCO delegated authority.1.17.19 - Clayton has reviewed and considered non-material based on compensating factors of credit score of 784, residing at current residence 10 years and LTV of 50%.

1.17.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 50.12% below program maximum 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 784 above program requirements 720. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 9 years 11 months at current residence.

0939036203

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

CMPTRID4243

TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts

No

Final CD XX/XX/XXXX Cash to close in the Summary of transactions section does not equal its component parts. Lender has $274159.65. Actual calculation is $1,117,972.35 - 843,177.27 = 274795.08

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  17.60 months PITI reserves verified, max per guidelines is 6 months

0939036203

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

Borrower doesn't have 12 month rental history. Exception approval in file for not having 12 months rental history. Client provided an approved exception for the requirement for rental history due to high score of 797, high residual income, and $99,403.62 or 17.60 months of PITI reserves after closing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  17.60 months PITI reserves verified, max per guidelines is 6 months

0843040994

XXXXXX

WA

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount on CD dated XX/XX/XXXX section: Calculating Cash to close (Alt Version) does not equate to Clayton Calculation amount of ($3821.59). Lender includes POC fees of 695.00 . Please provide a revised CD that does not include POC fees in the calculation. Revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with current employer for 26.05 years, stable employment history CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers has  Significant time at current residence , owned home for 24.64 years

0843040994

XXXXXX

WA

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

Increased cash out to $500,000,Cash Out Amount Exceeds Guidelines max of $400,000 cashout limit. (page 232). Approved exception from lender based on low DTI of 21%, strong job time for borrower 2, and strong residual income.

(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 current employer for 26.05 years, stable employment history CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers has  Significant time at current residence , owned home for 24.64 years

0231596631

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 been on job for over 6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 22.93% is less than the maximum allowed of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing Post closing reserves $98,840.06 21.24 months PITI reserves

0289249831

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 2016 1120S for XXX. Borrowers owns 100% of this business and 2016 k-1 is in file.

2.6.19 - Client responded. 2016 1120S for XXX attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX for 38.86 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 15.85 years.

0289249831

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

CRDINC2408

Income verification does not meet guidelines

No

Missing 2016 1120S for XXX. Borrowers owns 100% of this business and 2016 k-1 is in file.

2.6.19 - Client responded. 2016 1120S for XXX attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has XXX for 38.86 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 15.85 years.

0637293476

XXXXXX

AZ

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 his profession for 33 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21%. Max DTI for this program is 43%.

0398395362

XXXXXX

KY

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 for Subject property contains two parcels which is outside of current guidelines. Approved exception in file based on low DTI of 29% and strong PCL of 113 months. Low credit usage.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.06%. Max DTI for this program is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 113.04 months cash reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with XXX for 20 years 5 months.

0929272456

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 of $XXXXXX

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 12 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been on job for over 9 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history

0107407157

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 with current employer for 12 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.28%. Max DTI for this program is 43.00%.

0528927614

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Compliance

Finance Charge Tolerance

Satisfied

C

B

C

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

CD: XX/XX/XXXX [Last CD], Section: Loan Calculations, Field: Amount Financed, Value: $1001397.28 and  Original Principal Balance, Value: $XXXXXX. Difference is the negative prepaid interest.

01.30.19 - Client responded. Disagree.  Amount Financed is accurate.   Loan has negative prepaids resulting in Amount Financed higher than loan amount.   Amount financed exceeds loan amount by negative prepaids.

1.30.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.23%; max allowable is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified post closing reserves of $252,647.48; $84,104.04 required per guidelines.

0528927614

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing AFB Disclosure. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.23%; max allowable is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified post closing reserves of $252,647.48; $84,104.04 required per guidelines.

0528927614

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

CD: XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX     Other Costs Section F: Prepaid Interest From Date, Value: XX/XX/XXXX  and To Date, Value: XX/XX/XXXX (positive days) and Amount Per Month, Value is negative.

1.30.19 - Client responded. Disagree.  Negative value is accurate based on consummation date of XX/XX/XXXX and first payment date of XXX.   Dislosure of interest credit dates XX/XX/XXXX to XX/XX/XXXX is accurate and acceptable.  Interest start date is XX/XX/XXXX.

1.30.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.23%; max allowable is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified post closing reserves of $252,647.48; $84,104.04 required per guidelines.

0528927614

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Property Valuations

Property

Active

B

B

B

B

PRVAPROP177

Property Issues Indicated

No

Lender exception for subject property is a Condominium with >35% Commercial Use due to Urban location; appraiser indicates that "most condominium projects have commercial use on the street level.Compensating factors 29% DTI, 8.42 years on job and strong reserves.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.23%; max allowable is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's have verified post closing reserves of $252,647.48; $84,104.04 required per guidelines.

0628043479

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance Charge Difference - TRID: -2510.31. Corrected on PC CD dated XX/XX/XXXX. Exception satisfied

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  72 months mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783/792/795/787. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $242,597.31 = 15.9 months of PITI for all 3 properties combined.

0628043479

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 granted an exception to use Business Funds for down payment, closing and reserves. See page 229-230 of the PDF.Compensating factors:  Residual income @ $ 76,551, low DTI @ 11/18%, 65% LTV, job stability for all @ 5 years, 6 years, 17 years and 11 years, savings ability @ $ 582K liquid & $ 217K in liquid reserves, minimal debt users with RDU @ 10.82% & fixed rate loan versus ARM loan product. Approved as submitted based on overall strength of the combined customers profile, Run # 29. Tolerances: o DTI max: 28/45% Max LTV/CLTV: 65/65% Loan amount: $ XXXXXX PCL: $ 93,017

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  72 months mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783/792/795/787. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $242,597.31 = 15.9 months of PITI for all 3 properties combined.

0628043479

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

Title

Active

B

B

B

B

CRDTIL100

Potential title issue

No

Lender granted the following vesting exception: Approved Tracking for Alternative Vesting in an LLC where the members/managers are in a Trust & not individual. See page 229-233 of the PDF.Compensating factors:  Residual income @ $ 76,551, low DTI @ 11/18%, 65% LTV, job stability for all @ 5 years, 6 years, 17 years and 11 years, savings ability @ $ 582K liquid & $ 217K in liquid reserves, minimal debt users with RDU @ 10.82% & fixed rate loan versus ARM loan product. Approved as submitted based on overall strength of the combined customers profile, Run # 29. Tolerances: o DTI max: 28/45% Max LTV/CLTV: 65/65% Loan amount: $ XXXXXX PCL: $ 93,017

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  72 months mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783/792/795/787. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $242,597.31 = 15.9 months of PITI for all 3 properties combined.

0013877824

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

Missing PDA to support original appraised value.

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed by same employer for 6 years CFCFS2860: Good credit history - Clayton Comments:  Good credit history with minimal debt. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive 24 month rent history. 0x30x24

0800763712

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

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Guidelines indicate retirement assets may be used to meet 50% of the reserves requirements.  Subject loan transaction requires 9 mos. reserves.  Only 2.22 mos. verified by liquid assets and remaining reserves verified by retirement assets which exceed guideline limitations.(Page 177)  Lender exception in file reflects approval  of use of retirement assets to exceed the 50% requirement.  Compensating factors for the exception is high residual income, ability to continue saving , high retirement asset, conservative bonus calculation used to qualify, and no RSU income used to qualify. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 760 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 32 years 4 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 40.358% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 32 years 4 months in same line of work.

0800763712

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

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Lender exception: Guidelines indicate Housing expense ratio max not exceed 36% (Page 97).  Subject loan qualifying Housing expense ratio 38.503%. Exception made to allow the higher Housing expense ratio noting the following compensating factors: Overall ratio 40.29% below maximum 45% allowed, high residual income to support ability to repay, long employment history, move to CA validated by employer, prior mortgage history with positive repayment history, and overall ability and willingness to repay supported. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 760 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 32 years 4 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 40.358% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 32 years 4 months in same line of work.

0800763712

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

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Complete copy of purchase agreement was not located in file.  Addendums identified as 1, 2 and 5 were located in file.  Addendums 3 and 4 were not located.  Additionally purchase contract includes an addendum that identifies personal property being conveyed with property however no documentation was located in file to identify for the value of property being conveyed.  Reviewer unable to determine if sales price was required to be adjusted by the value of the personal property.  Provide addendums 3 and 4 for review and provide documentation to identify the value of the personal property conveyed.

1.24.19 - Client responded. 1- Complete copy of CA Residential Purchase Agreement attached (3 attachments)  2- Analysis of the residential purchase agreement reflects no effect on sales price from the personal property being conveyed. The subject's contract price was arrived at under arm's length circumstances with typical market exposure.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 760 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 32 years 4 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 40.358% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 32 years 4 months in same line of work.

0298621254

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 on CD dated XX/XX/XXXX section: Calculating Cash to close (Alt Version) does not equate to Clayton Calculation amount of ($7434.27). Closing costs 7956.70 - 522.43 POC = 7434.27. Please provide a revised CD that corrects the amount of closing costs financed. Revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 772 exceeds guideline requirement of 720 by 52 points CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 50.97% is  below guideline requirements of 80%

0437479604

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

D

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) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 6900.74 actual calculation 6265.31 closing costs 6900.74 - POC 635.43 = 6265.31

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 17.00%; max allowable per guidelines is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed on the same job for 19 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession f0r 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.27% LTV; max allowable per guidelines is 70%.

0437479604

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

D

A

D

A

B

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing proof that HELOC with XXX has been paid and closed to future draws. The Payoff and Close in file is not signed by Borrower.

1.11.19 - Client responded. See attached letter from lender that confirms HELOC loan is closed out.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 17.00%; max allowable per guidelines is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed on the same job for 19 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession f0r 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.27% LTV; max allowable per guidelines is 70%.

0437479604

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

D

A

B

B

D

B

D

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.

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

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 17.00%; max allowable per guidelines is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed on the same job for 19 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession f0r 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.27% LTV; max allowable per guidelines is 70%.

0577666941

XXXXXX

WA

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

Property has 34.8% commercial space. Approved exception in file based on residual income of $35,242 and 141 months PITI reserves.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close assets of $918,301.82 / $5797 =  158 months reserves.Required reserves of $5,796.99 x12 = $69,563.88. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has almost 11 years on her current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 21 years and 4 months on his current job.

0126671834

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:  Borrower has 84 months of  mortgage history with no late payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 36.12% which is below the guideline maximum.

0419873185

XXXXXX

TN

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 23 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 34.49% which is below the guideline maximum.

0901009741

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:  Borrowers' DTI is 33% below maximum guideline requirement. CFCFS2860: Good credit history - Clayton Comments:  Both borrowers have good credit history. No fraud alerts, judgements, liens, collections orcharge-off's.

0079774326

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 $83,917.91= 22 months PITIA; Required 12 months PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at their current residence over 32 yrs.

0299662601

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:  29.49% DTI below max 43% allowed

0120763693

XXXXXX

WA

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 positive Schedule C income which is not used to qualified. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 9 years on current job.

0660346123

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 773 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has 7 years 4 months at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 7 years 4 months at current job.

0071838600

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:  Required reserves $32,231.16; Verified reserves $$160,684.15; Excess reserves $128,452.99. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 66% which is 14% below maximum LTV allowed of 80%.

0510322427

XXXXXX

MA

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 updated valuation to support appraised value $XXXXXX.

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

1.16.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 9 years 8 months in same line of work.  Borrower 2 has 7 years 1 month in same line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 62.5% below program maximum 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 789 above program requirement 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $590,893.42 in total assets verified.  All assets are liquid.  Final CD reflects required funds to close, $260,215.52 plus $30,000 earnest money deposit for total required funds $290,215.52.  No documentation was located in file to verify earnest money cleared borrowers account prior to close.  Post close reserves $292,677.91.  Required reserves $3,558.10*12 mos. = $42,697.20. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 37.419% below program maximum 45.00%.

0801284849

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 the same profession for 20 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 792 which is 72 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $607,573.42. 89.28 months reserves.

0516937536

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

MD Counseling Notice not in file. Missing DHCD form. Please provide

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 35 years in current profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers have 8 year mortgage history with no late payments.

0031832057

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 PUD Rider from loan file. Mortgage shows that there is a PUD rider to the mortgage.

1.17.19 - Client responded. The signed Pud Rider was delivered  in the PDF on pages 1142-1143.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in the same profession for 12 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 776 which is 56 points above the guideline requirement.

0604674077

XXXXXX

NC

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 have 12 years 4 months at their current home. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 23 years in his profession.

0852215225

XXXXXX

NJ

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 4 th Quarter XXX Bank Statement covering required 2 months verification - October 2018 thru December 2018.

2.26.19 - Client responded. Per lender guidelines, if bank or brokerage statements are issued quarterly, customers must provide a statement from the most recent quarter and not more than 90 days earlier than the date of the customer's application. Credit documents are valid for 120 days prior to the printed note date unless an exception is otherwise approved. The XXX quarterly statement covered the period of 07/01/2018 through 09/30/2018 (see attached statement). The lender's system of record shows the application date (notification start date) was XXX so the most recent quarterly statement available would be the 9/30/2018 (3rd quarter) statement provided.  Based on the note date of XXX (see attached note), the 4th quarter statement is not required.

2.26.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 12 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  781  exceeded the guideline requirement of  680  by  101  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0342023651

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:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 794 which is 74 points above the guideline requirement.

0811550314

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:  Co-borrower has 10 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 28.24% which is below the guideline maximum.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4243

TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts

No

CD: XX/XX/XXXX, Section: Summaries of Transactions, Field: Cash to Close Total, Value: 169439.6 -  Value: 169962.12

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

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

LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: - Deposit, Value: -3048 - CD: XX/XX/XXXX, , Value: 0.00

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

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

Entered data from CD XX/XX/XXXX.Section: Calculating Cash to Close, Field: Seller Credits - Loan Estimate, Value: 0.00 and the final LE seller credit is 53126.00.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

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

LE: XX/XX/XXXX: Calculating Cash To Close, Field: Total Closing Costs (J), Value: 61233CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: 10117.0

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

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: XX/XX/XXXX Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 170929CD: XX/XX/XXXX,  Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: 213317.00

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

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

LE: XX/XX/XXXX Calculating Cash To Close, Field: - Adjustments and Other Credits, Value: -9898CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Loan Estimate, Value: 0.00

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

No corrected CD provided. The PCCD XX/XX/XXXX interest rate and APR increased after closing without supporting documents. The final CD and the Note terms and amounts are the same.

1.30.19 - Client responded. Disagree:  CDs with APR 4.406% are preliminary CDs.  Issue date populated incorrectly.  Document date is in the footer.  See attached for example.   Final APR is 4.375%.  No violation for reduction in APR from 4.406 to 4.375%.1.30.19 - Clayton has reviewed and validated CD and that it was prelim.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

B

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Provide estimated cost to replace from insurance company to document $271,300 is sufficient coverage.

1.30.19 - Client responded. Sufficient insurance. Evidence of insurance provided reflects adequate coverage; expanded replacement cost. Policy (declarations page) attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0386697006

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

C

A

C

B

C

B

C

A

C

A

C

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection subsequent to FEMA declared disaster effective 11/25/2018 for Wildfires.

1.28.19 - PDI provided and no damage.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.22 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence that was just sold for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have no previous or current derogatory mortgage pay history.

0082409404

XXXXXX

HI

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.

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

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 14 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months

0323631670

XXXXXX

TN

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

Missing requested verification of borrower's employment transfer to XXX, TN.

2.11.19 - Client responded. E-mail from borrower's employer, XXX, dated 11-30-2018 confirms borrower's relocation to XXX, TN. E-mail is attached.

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments within the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 720, borrower has a 764 which is 44 points above the guideline requirement. CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 10 years

0657930696

XXXXXX

NC

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 not provided

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has bonus income from 2016/2017/YTD 2018 not used to qualify. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 37 months mortgage history with 0x30 late payments; minimum required per guidelines is 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 680.

0939773890

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

CD time stamped XX/XX/XXXX 10:18 AM only page 2 and 3 were provided please provide pages 1,4,5.

1.8.19 - Client responded. Attached find the Closing Disclosure dated XX/XX/XXXX. Please note that we are unable to determine why the date issued is XX/XX/XXXX when print date is XX/XX/XXXX. This is the first one issued as noted on the version number in the bottom right hand corner.

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 21 years 7 months at current job CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 21 years 7 months in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 815 exceeds guidelines 720 Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Reserves $792,478.92 - 223 months reserves.  12 months reserves required ($42,358.80).

0724725071

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 worked 15 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  812  exceeded the guideline requirement of  720  by  92 points. CFCFS2860: Good credit history - Clayton Comments:  --- Borrower has no late payments  on their credit report in the last 36 months.

0970893152

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing subsequent inspection. Effect date: 11/25/18; Wildfires. Note date XX/XX/XXXX

1.22.19 - PDI provided and no damage.

1.22.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $512,031.98.  Reserves required $4382.85 x 12 = $52,594.20; add'l 6 months for departing residence $1072.15 X 6=$6432.90 for  total of $59,027.10 required reserves CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years in current profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 5 years mortgage history with no late payments.

0222009879

XXXXXX

UT

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

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 - Final amount$8392.93 and Section: Calculating Cash to Close, Clayton Calculation amount $7704.50, do not match however appropriate values entered. Lender included POC amount of $688.43 in Closing Cost Financed.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43.58%. Max LTV for this program is 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 44.12 months cash reserves.

0222009879

XXXXXX

UT

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

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

Please provide a Change of Circumstance for LE dated XX/XX/XXXX. Rate Lock Extension

2.19.19 - Client responded. Disagree. The LE issued XX/XX/XXXX disclosed a Rate Lock Extension fee in the amount of $832, with a valid Change Circumstance reason of a rate lock extension due to the expiration of the original, and meets 3 day timing. This is not a testing defect so corrective action is not required.  Copy of origination system RESPA Changed Circumstance History screenshot attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43.58%. Max LTV for this program is 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 44.12 months cash reserves.

0222009879

XXXXXX

UT

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

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide evidence that CD dated XX/XX/XXXX was acknowledged 3 days prior to consummation date of XX/XX/XXXX

2.19.19 - Client responded. Disagree. The initial Closing Disclosure was provided XX/XX/XXXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) on XX/XX/XXXX allowing at least 3 business days to review the Closing Disclosure prior to close on XX/XX/XXXX. The Closing Disclosure was not e-signed but the pdf was opened and acknowledged by the consumer on XX/XX/XXXX and, per XXX 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 as well as XX/XX/XXXX CD.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43.58%. Max LTV for this program is 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 44.12 months cash reserves.

0222009879

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH183

Credit report incomplete

No

Credit report missing page 1 showing borrowers names and credit scores.

2.19.19 - Client responded. Complete credit report attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43.58%. Max LTV for this program is 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 44.12 months cash reserves.

0222009879

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

XX Heloc closure letter not fully executed.

2.14.19 - Client responded. See attached  closing disclosure on page 3 shows the HELOC was paid at closing and confirmation letter from XXX stating the Home equity line is closed .

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43.58%. Max LTV for this program is 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 44.12 months cash reserves.

0836152327

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

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

1. Missing documentation of HOA dues for REO property XXX #5 XXX.2. Missing documentation of 2017 bonus income.

1.17.19 - Client responded. 1- Documentation of HOA dues for REO property XXX attached.  2- Documentation of 2017 bonus income attached.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 37.14%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  64.58 months PITI reserves verified, max per guidelines is 12 months

0836152327

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

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

No

Lender used $194.19 monthly T&I for XXX #5 XXX. Based on tax and insurance monthly T&I $114.19, Need clarification what the additional monthly $80.00 is for. If its for HOA dues, must provide documentation.

1.17.19 - Client responded. Missing component of non-subject PITI is the HOA. The actual monthly HOA dues for property XXX are $78, see attached.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 37.14%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  64.58 months PITI reserves verified, max per guidelines is 12 months

0836152327

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Missing 2017 earnings. Provide 2017 year end earning statement from XXX. 2017 income must support bonus income

1.17.19 - Client responded. 2017 Salary Certificate and 2018 Salary Statement attached. Salary statement reflects 2017 annual bonus paid in April 2018.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 37.14%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  64.58 months PITI reserves verified, max per guidelines is 12 months

0836152327

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA4817

Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)

No

No inspection subsequent to FEMA declared disaster effective 11/25/18 for wildfires. Appraiser did address the wildfires but appraisal is dated 11/16/18.

1.16.19 - PDI provided and reflects no damage.

1.16.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 37.14%, max per guidelines is 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  64.58 months PITI reserves verified, max per guidelines is 12 months

0212058156

XXXXXX

CA

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 Final CD or fully executed/stamped Final Settlement Statement for sale of departure residence; Seller's Settlement statement provided is not executed or stamped.

2.11.19 - Client responded. Sale of XXX departure residence was concurrent with subject transaction and closed on XX/XX/XXXX.  Final closing disclosure and settlement statement reflect payoff of XXX and transfer of $149,500 proceeds to closing agent for subject property. Closing Disclosure, Settlement Statement, mortgage payoff and release for departure residence along with wire transfer receipt for $149,500 (all attached) were deemed sufficient to verify sale of departure residence, mortgage payoff plus receipt of proceeds needed to close.

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 734 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  40.86 is below guideline requirement

0212058156

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 734 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  40.86 is below guideline requirement

0212058156

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Credit

Legal Documents

Satisfied

B

A

B

A

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing Final CD or fully executed/stamped Final Settlement Statement for sale of departure residence; Seller's Settlement statement provided is not executed or stamped.  Downgraded to non-material.

2.11.19 - Client responded. Sale of XXX departure residence was concurrent with subject transaction and closed on XX/XX/XXXX.  Final closing disclosure and settlement statement reflect payoff of XXX and transfer of $149,500 proceeds to closing agent for subject property. Closing Disclosure, Settlement Statement, mortgage payoff and release for departure residence along with wire transfer receipt for $149,500 (attached) were deemed sufficient to verify sale and payoff of departure residence plus receipt of proceeds needed to close..

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 734 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  40.86 is below guideline requirement

0588192382

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 21%. Max DTI for this program is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 744. Minimum credit score for this program is 720.

0873011217

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

Approved Lender exception located in file for reserves. Loan requires 18 mos. reserves and exceeds requirement that only 50% of reserves can come from retirement account.  Only 7.7 mos. of the 18 required are from liquid assets. Compensating factors used to approve exceptions: Low LTV/CLTV, strong residual income, borrowers have 5+ years ownership in subject property with no other properties owned, demonstrated ability and willingness to repay mortgage on time since 2004, and excellent credit history, no installment debt with minimal use of revolving credit. Clayton considers non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 26.455% below program maximum 70.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 803 above program requirement 720.

0873011217

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

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Approved Lender exception located in file for cash out of $400,653.32 exceeding $350,000.00 maximum.  Compensating factors used to approve exceptions: Low LTV/CLTV, strong residual income, borrowers have 5+ years ownership in subject property with no other properties owned, demonstrated ability and willingness to repay mortgage on time since 2004, and excellent credit history, no installment debt with minimal use of revolving credit.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 26.455% below program maximum 70.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 803 above program requirement 720.

0873011217

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

Approved Lender exception located in file for property being listed for sale in past 6 months with a cash out transaction. Compensating factors used to approve exceptions: Low LTV/CLTV, strong residual income, borrowers have 5+ years ownership in subject property with no other properties owned, demonstrated ability and willingness to repay mortgage on time since 2004, and excellent credit history, no installment debt with minimal use of revolving credit.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 26.455% below program maximum 70.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 803 above program requirement 720.

0257527471

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:  Total DTI is 34.25% which is below the guideline maximum. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 17 years in current profession.

0791528512

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

Assets

Active

B

B

B

B

CRDAST205

Insufficient Funds to Close

No

Missing $118,389.51 in liquid funds required to close; $135,611.41 required to close per final CD dated XX/XX/XXXX with only $17,221.90 in liquid funds verified.  Review does not consider the investment account XXX as a liquid account per guidelines as the Underwriter Decision Summary does not justify the judgment in the decisioning notes, it only calls the account liquid.  Provide evidence of liquidation of funds or evidence of additional liquid funds to close.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 783 which is 63 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $439,888.21 in total assets documented. Effective amount $374,556.88, with liquid assets of $276,559.88. Post close reserves are $300,945.47. 84.73 months reserves. Reserves required $3551.95 x 12=$42,623.40.

0507909046

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 over 38 years of experience in current profession and XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 37.27 is less than the guideline maximum of 43%.

0276440502

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:  781 representative FICO exceeds minimum 700 required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.16% DTI below max 43% allowed.

0828667916

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:  Borrower has 17 years on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 27.42% which is below the guideline maximum.

0850415783

XXXXXX

NC

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

CRDINC150

Income docs do not meet guidelines

No

Lender Exception approved noted on Underwriting Decision Summary for use of rental income without a 2 year rental management history (only one year); Offsets: Demonstrated savings pattern, history of maintaining more than one property, excellent mtg payment history, Low DTI 38.24%, low LTV 75%, minimal use of revolving debt. Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers have 5 year mortgage history with no late payments. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in current profession.

0250301137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

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 verification of some or all components of non-subject PITI; Missing Hazard Insurance for XXX; Missing Tax Cert and Hazard Insurance for XXX

1.31.19 - Client responded. 1- Hazard insurance for XXX attached.  2- Tax, hazard insurance information and payment breakdown for XXX attached.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,390,629.14 or 192.46 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at primary job 19 years 9 months.

0250301137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

No homeowners counseling organizations    in file. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,390,629.14 or 192.46 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at primary job 19 years 9 months.

0250301137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

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 XX/XX/XXXX: calculation cash to close screen: closing costs financed (paid from your loan amount) Final total of 13,785.60 does not match clayton calculation total of 13,150.17 difference is the 635.43 poc charges. Revised CD required that doesn't include POC fees. Revised CD to borrower with LOX.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,390,629.14 or 192.46 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at primary job 19 years 9 months.

0250301137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

A

D

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH104

Credit score below guidelines

No

Exception request re credit score; Per guidelines minimum credit score 720 actual credit score 678.  Approved exception for minimum credit score and allowable cash out dollar amount provided on page 1123 based on 19 years on job, $23,468 residual income, and low LTV of 58.11%

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,390,629.14 or 192.46 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at primary job 19 years 9 months.

0250301137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

A

D

B

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; Missing Hazard Insurance for XXX; Missing Tax Cert and Hazard Insurance for XXX

1.31.19 - Client responded. 1- Hazard insurance for XXX attached.  2- Tax, hazard insurance information and payment breakdown for XXX attached.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,390,629.14 or 192.46 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at primary job 19 years 9 months.

0250301137

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

A

D

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No subsequent property inspection completed after FEMA Disaster Declaration #4291 Declaration date of 11/12/2018, Effective date of 11/25/2018 Wildfires. Appraisal dated 11/2/18

01.30.19 - PDI obtained and no damage.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $1,390,629.14 or 192.46 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at primary job 19 years 9 months.

0723243723

XXXXXX

CT

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

No Mortgage/Rental housing history.  Borrowers are FTHB living rent free Lender exception noted on Underwriting Decision Summary: allowing strong savings history to provide 25% down from own funds and have 21 mo. PCL.  Offsets: $8k residual income, minimal use of revolving debt, conservative DTI.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, loans DTI is 29.95% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed 720, borrower score is a 798

0293338264

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD XX/XX/XXXX Finance charge understated by -1323.80, corrected on PCCD XX/XX/XXXX. Exception satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, Borrowers current DTI is 25.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed 680, borrowers qualifying score is 808

0293338264

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Final CD XX/XX/XXXX TILA/TRID-Disclosed Amount Financed ($618,002.51)  is higher than Clayton's calculated Amount Financed 616678.71, corrected on PCCD XX/XX/XXXX. Exception satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, Borrowers current DTI is 25.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed 680, borrowers qualifying score is 808

0154178144

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:  Minimum score allowed 720, borrower has 788. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $151,562.95.  Reserves required $7383.88 x 12 = $88,606.56.

0744778724

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 747. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26%. Max DTI for this program is 43%.

0007912213

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

1. CD: XX/XX/XXXX   Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $7964.62 and Clayton Calculation, Value: $7469.19. 2. PC CD: XX/XX/XXXX and XX/XX/XXXX  Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $6358.03 and Clayton Calculation, Value: 5862.60.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 representative FICO exceeds minimum 700 required

0007912213

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

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: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -7583 and should reflect a positive number or zero. CD XX/XX/XXXX satisfied the issue.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 representative FICO exceeds minimum 700 required

0007912213

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

CMPTRID5049

TRID - CD: Inconsistency between the amounts disclosed for the Prepaid Interest on the CD

No

PC CD XX/XX/XXXX satisfied the inconsistent prepaid interest. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 representative FICO exceeds minimum 700 required

0548080182

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:  Representative credit score 804 above program requirement 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years 5 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 26.699% below program requirement 45.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 9 years 3 months at current residence.

0435631170

XXXXXX

KY

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

PCCD XX/XX/XXXX Other Costs section, Field F: HOI is missing payee

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 769 which is 49 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $204,317.25. Reserves required are $3617.34 x 12=$43,408.08.

0931845744

XXXXXX

CA

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

Missing additional verification of employment to evidence no gaps over one month in the past 24 months; VOE provided reflects start date of 3/13/17 and no prior employment VOE or prior employment pay stub with end date provided to reflect no gaps over one month.

1.11.19 - Client responded. No prior employment VOE or pay stub were required for XXX. Loan application reflects dates of previous employment from 3/01/16 - 3/01/17. Hire date at XXX was 3/13/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. Borrower has been in the same profession over 25 years and changed jobs 3/13/17 to advance in the same line of work.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 69.85 is below guideline requirements of 80% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been with current employer for 8.18 years, stable employment history

0931845744

XXXXXX

CA

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

CRDINC2340

Employment verification does not meet guidelines

No

Missing additional verification of employment to evidence no gaps over one month in the past 24 months; VOE provided reflects start date of 3/13/17 and no prior employment VOE or prior employment pay stub with end date provided to reflect no gaps over one month. Downgraded to non-material.

1.11.19 - Client responded. No prior employment VOE or pay stub were required for XXX. Loan application reflects dates of previous employment from 3/01/16 - 3/01/17. Hire date at XXX was 3/13/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. Borrower has been in the same profession over 25 years and changed jobs 3/13/17 to advance in the same line of work.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 69.85 is below guideline requirements of 80% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been with current employer for 8.18 years, stable employment history

0378555292

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:  Both borrowers have 10 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Total DTI is 38.04% which is below the guideline maximum.

0536455749

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:  No late consumer debt in the past 24 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI is 45%, borrower has a 32.96% which is 12.04% below guideline requirement.

0403522089

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD disclosed finance charges of $439,569.59 per Clayton paystream calculations, finance charges are $440,193.59, resulting in understated finance charges of $624.00. Portion of processing fee paid by seller on final CD. Corrected on PC CD dated XX/XX/XXXX. Exception satisfied

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 21.9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score 720, borrower has a 809 which is 89 points above the guideline requirement.

0403522089

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed. Corrected on PC CD dated XX/XX/XXXX. Exception satisfied

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 21.9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score 720, borrower has a 809 which is 89 points above the guideline requirement.

0403522089

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

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

Refers to PC-CD's dated XX/XX/XXXX & XX/XX/XXXX the calculating cash to close LE column of the grid does not match the last LE issued XX/XX/XXXX. Corrected on PC CD dated XX/XX/XXXX Exception satisfied

(No Data)

Exception satisfied

Non-Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 21.9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score 720, borrower has a 809 which is 89 points above the guideline requirement.

0403522089

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

Assets

Active

B

B

B

B

CRDAST205

Insufficient Funds to Close

No

Per CD dated XX/XX/XXXX funds required to close $143,901.68. Verified liquid assets of $74,725.19. Borrower short liquid assets of $75,176.49. However, borrower has verified retirement assets of $173,144.60 which will be used to support funds to close. Per  underwriter decision summary dated XX/XX/XXXX there was discretion used to waive proof of liquidation.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 21.9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score 720, borrower has a 809 which is 89 points above the guideline requirement.

0453907860

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 801 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.255% below program maximum 43.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 30 years same line of work.

0837403107

XXXXXX

WA

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

CRDAST205

Insufficient Funds to Close

No

Per guidelines, require evidence of sufficient liquid funds to close. FTC required is $153,334.42. Total liquid fund available is $105,558.80.  Missing evidence of liquidation of $47,775.

1.24.19 - Client responded. Sufficient funds to close. Summary of assets and asset statements attached to support sufficient/available liquid funds to close.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 680, borrower representative score is 748.

0571235340

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

Please provide additional bank statements for the following: *Accoun#XXX (received only transaction history from 12/14-12/17/18); provide full 2 months statements showing account owner. *Account #XXX received from 9/4 -12/3/18; provide statements up to 12/17/18 or later to show transfer to XXX. XXX account#XXX: provide 11/1-12/07/18 or later.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.83% is below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 753 exceeds guidelines

0519753886

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $9,443.22. Review calculates total to be $8,748.22. Difference is POC's of $695.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 26.33%; max per guidelines is 40% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 qualifying score. Min required per guidelines is 720.

0519753886

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lenders exception request in file as the customers are short liquid pcl. Program requires 12 months of post-closing liquidity that must come from liquid sources. Compensating factors include additional assets held in retirement assets are strong mitigating factors to allow the request as if the customers found themselves in a financial need that money would be available, The customer so have 74 mo. history maintaining the mortgage, the payment shock is significant but the customer has adequate residual income to support the increase in housing. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 26.33%; max per guidelines is 40% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 qualifying score. Min required per guidelines is 720.

0519753886

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

Provide current homeowners insurance policy.  Documentation in file expired on 6/27/17.

2.14.19 - Client responded. This is a XXX to XXX  refinance and the attached screen prints on page 3 show the insurance coverage expires 6/27/19. This online screen prints is what is used for XXX to XXX refinance.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 26.33%; max per guidelines is 40% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 qualifying score. Min required per guidelines is 720.

0519753886

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

The loan file is missing EXECUTED evidence of the XXX HELOC being paid and closed to future draws.

2.14.19 - Client responded. See attached closing disclosure on page 3 shows the HELOC was paid at closing and confirmation letter from XXX stating the Home equity line is closed . Title policy is also attached that shows no open HELOC

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 26.33%; max per guidelines is 40% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 qualifying score. Min required per guidelines is 720.

0737827655

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 18 years on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's total DTI is 7.26% which is below the guideline maximum.

0027876992

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:  Required reserves $7299.07 x 12 = $87,588.84. Verified reserves $312,591.33;  Excess reserves $225,002.49.PCL reserves $205,671.53. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 808 which exceeds minimum score allowed of 720 by 88 points.

0576431384

XXXXXX

MO

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

The file is missing a PDA to support the appraised value.

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

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $625,700.20 in total assets documented.  Effective amount is $391,936.49, with liquid assets of $158,172.78.  Post close reserves are $245,676.39.  Reserves required $4098.84 x 12 = $49,186.08 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 26 years in current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 84 month mortgage payment history with no late payments.

0679725194

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

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

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.985% below program requirement 45.00%.

0679725194

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

$206,817.47 in total assets verified. Assets of $193,516.36 are liquid. Final CD reflects required funds to close, $158,191.77.  Post close reserves $48,625.70.  Required reserves $4,512.61*12 mos.=$54,151.32.  Exception in place to use PCL reduction of 3 mos. to require only 9 mos. reserves or $40,690.44.  Underwriter compensating factors: Borrowers have willingness and ability to repay, high residual income, additional assets not used to qualify (RSUs not used).  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.985% below program requirement 45.00%.

0679725194

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

Loan has exception for flip transaction.  Seller has ownership for 6 mos. 19 days, guidelines require minimum of 12 mos. Additionally value has increased greater than 20% increased allowed in guideline.  Underwriter compensating factors: Borrowers have willingness and ability to repay, high residual income, additional assets not used to qualify (RSUs not used), appraiser documents improvements to property.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.985% below program requirement 45.00%.

0340279052

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 profession for eight years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below maximum requirement for loan product

0030325487

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 employed with current employer for over 11 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers resided at the existing primary residence over 18 years

0299021043

XXXXXX

CA

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

IRS 1040s: Please provide statement 2 for 2016 rental income and statement 3 for 2017 rental income.(Guidelines require all statements).

1.11.19 - Client responded. Statement 2 for 2016 rental income and statement 3 for 2017 were not required. Filed complete tax returns, including the Schedule E were obtained for both years.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in profession for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.72%. Maximum DTI is 40%

0299021043

XXXXXX

CA

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

Lender includes POC fees in Closing Costs financed , Lender charges $9,736.93 , Loan Closing Costs $9,736.93 - POC $522.43 = $9,214.50.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in profession for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.72%. Maximum DTI is 40%

0299021043

XXXXXX

CA

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

CRDINC3204

Income Documentation Missing

No

IRS 1040s: Please provide statement 2 for 2016 rental income and statement 3 for 2017 rental income.(Guidelines require all statements).  Downgraded to non-material.

1.11.19 - Client responded. Statement 2 for 2016 rental income and statement 3 for 2017 were not required. Filed complete tax returns, including the Schedule E were obtained for both years.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in profession for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.72%. Maximum DTI is 40%

0365732069

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 171,565.72 or 56.48 months PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 60% below guideline requirement of 80% by 20 points

0931481134

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $3,135.81. Review calculates total to be $2,625.38. Difference is POC's of $510.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 33.29% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 720, borrower qualifying score is 789

0931481134

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender Exception for short PCL reserves. 9 months reserves versus required 12 months. Compensating factors include lowering housing payment with removal of MIP, LTV 6% below maximum allowed financing, $178,000 in equity for property and increasing, job tenure and potential for increased income. Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 33.29% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 720, borrower qualifying score is 789

0656603118

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 B1 prior Employer VOE to support no 30 days gap in employment.  The lender provided 2016, 2017 W2s and current VOE with start date of 5/29/18.

2.3.19 - Client responded. No prior VOE for B1 was required. No apparent employment gap over one month. Loan application reflects dates of prior employment from 5/01/15 - 5/01/18. Hire date at XXX was 5/29/18. Any gap in employment was due to borrower transition from NC to CO with new employment. B1 has been in the same profession over 3 years and changed jobs 5/29/18 to advance in the same line of work. 2016-17 W-2's and recent paystub(s) support base pay used to qualify.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, DTI currently 24.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 720, borrower qualifying score was 799

0656603118

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

CRDINC2340

Employment verification does not meet guidelines

No

Missing B1 prior Employer VOE to support no 30 days gap in employment.   The lender provided 2016, 2017 W2s and current VOE with start date of 5/29/18.

2.3.19 - Client responded. No prior VOE for B1 was required. No apparent employment gap over one month. Loan application reflects dates of prior employment from 5/01/15 - 5/01/18. Hire date at XXX was 5/29/18. Any gap in employment was due to borrower transition from  XXX to XXX with new employment. B1 has been in the same profession over 3 years and changed jobs 5/29/18 to advance in the same line of work. 2016-17 W-2's and recent paystub(s) support base pay used to qualify.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, DTI currently 24.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 720, borrower qualifying score was 799

0696257009

XXXXXX

CA

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

Loan is non QM due to DTI above 43%. Lender DTI on 1008 dated XX/XX/XXXX is 43.138%. Clayton DTI is 43.59%. Lender exception in file due to DTI over 43% due to 2nd unit rental income not able to use per guidelines due to gift funds used for purchase.

2.12.19 - Client responded. Per non agency guidelines, maximum DTI ratio of 45.00% is permitted; DTI ratio of 43.138% was within guidelines and LVAM ratio exception was cancelled by PCO as not required. Rental income is only excluded when using gift funds without prior property management experience.  B2 1040s for 2016 and 2017 verify two-year history of property management experience (attached).2.12.19 - Clayton has reviewed and tax returns support 2 years property management as required. Recalculation of DTI using 2nd unit rental income 41.83%.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 803. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required 18 months $156,851.38. Verified Assets for reserves is $318,931.76.

0696257009

XXXXXX

CA

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

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 dated XX/XX/XXXX[Last LE], Calculating Cash To Close, Total Closing Costs (J), Value is: $12,721; however, CD dated XX/XX/XXXX [Last CD], Calculating Cash to Close, Total Closing Costs (J) - Loan Estimate, Value is: $21,062. Values are not a match. Please provide missing LE/CE with proof of delivery. Tag on first LE XX/XX/XXXX at bottom right of page reflects 5279-001 and on 2nd LE XX/XX/XXXX 5279-002 therefore we have entered in order.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 803. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required 18 months $156,851.38. Verified Assets for reserves is $318,931.76.

0696257009

XXXXXX

CA

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

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 dated XX/XX/XXXX [Last LE], Calculating Cash To Close, Estimated Cash to Close, Value is: $350,221; however, CD dated XX/XX/XXXX [Last CD], Calculating Cash to Close, Cash to Close - Loan Estimate, Value is: $358,562.  Values are not a match. Please provide missing LE/CD with proof of delivery. Tag on first LE XX/XX/XXXX at bottom right of page reflects 5279-001 and on 2nd LE XX/XX/XXXX 5279-002 therefore we have entered in order.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 803. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required 18 months $156,851.38. Verified Assets for reserves is $318,931.76.

0696257009

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

43.59% DTI exceeds 43% maximum per guidelines. Rental income for 2nd unit is not permitted per guidelines as there are gift funds in the transaction. Lender approved exception in file based on additional income not used in qualifying, and PCL exceeding guidelines.

2.12.19 - Client responded. Underwriter initially requested DTI ratio exception as rental income was not used to qualify. Per non agency guidelines, the policy stipulation that second unit rental income is not permitted when gift funds are utilized only applies if the borrower has no prior property management experience.  B2 1040s for 2016 and 2017 (attached) confirm property management experience needed to permit use of gift funds and rental income to qualify.  PCO clarified guidelines with underwriter and cancelled exception request as DTI  of 43.138% was less that maximum (45.00%) permitted per non agency guidelines.2.12.19 - Clayton has reviewed and tax returns support 2 years property management as required. Recalculation of DTI using 2nd unit rental income 41.83%.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 803. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required 18 months $156,851.38. Verified Assets for reserves is $318,931.76.

0116813687

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

Please provide evidence the CD dated XX/XX/XXXX was acknowledged 3 days prior to consummation date of XX/XX/XXXX. Disclosure Data Master reflects document was Overnighted to client with a presumed date of XX/XX/XXXX.

2.19.19 - Client responded. Disagree. The initial Closing Disclosure was provided XX/XX/XXXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) on XX/XX/XXXX allowing at least 3 business days to review the Closing Disclosure prior to close on XX/XX/XXXX. The Closing Disclosure was not e-signed but the pdf was opened and acknowledged by the consumer on XX/XX/XXXX and, per XXX 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.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Time on job = 9 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Subject DTI = 29.75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves = $279,663.34 or 25.21 months PITI reserves for the subject, the primary, and an additional property.18 months required on the subject.

0974600212

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 been with current employer since September 1984. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $3572.38 x 12 =$42,868.56; Verified reserves $1,122,583.20; Excess reserves $1,079,715. PCL reserves $69,932.99.

0437100597

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: XX/XX/XXXX, Section: Calculating Cash to Close, Closing Costs Financed - Final amount $2407.99 and Section: Calculating Cash to Close, Clayton Calculation amount $1772.56. Difference is POC's of $635.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no adverse credit reporting on credit report.

0437100597

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

Maximum cash out allowed on second home transaction is $350,000. Exception approved for cash out to exceed $350,000. Compensating factors of residual income, credit score of 757, stable employment, low ratios. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no adverse credit reporting on credit report.

0287598545

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 799 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.24% is below guideline requirement

0287598545

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

CRDCRMH149

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

No

Missing support docs for VOR (e.g. cancelled checks) for the last 12 months for rental residence of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 799 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 29.24% is below guideline requirement

0760746300

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:  In Current Residence for 3 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  19 years on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired for 2nd homes is 18 monthsVerified Assets for Reserves $892,290

0894013279

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

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Missing additional hazard insurance to cover loan amount of $XXXXXXX or obtain Guaranteed Replacement Cost figure calculated by the insurance provider; Haz Dec coverage is only for $125K and Total Est Cost New per appraisal is $328,974.

1.11.19 - Client responded. Sufficient insurance. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX HO6 policy, loan notes and hazard insurance details page attached (3 attachments).

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession  for over 30 years. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have 0 collections, judgments, liens or charge-offs.

0850667355

XXXXXX

NC

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

PRVAPROP177

Property Issues Indicated

No

Lender approved exception for Condo Project's high commercial use.  Condo project was reviewed and approved by XXX. Comp factors include strong reserves, strong residual income, strong gross retirement savings, long term employment, savings ability, low ratios, additional assets not used, & minimal revolving debt.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 767 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 31.775% below program maximum 43.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years 6 months in same line of work. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 20 years 6 months at departing residence.

0536289261

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

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing page 2 of XXX XXX 9/30/18 statement and from 10/31/18 statement.  Provide page 2 of both statements for review.

1.15.19 - Client responded. Asset documentation was sufficient. All pertinent information was provided on page 1 for both statements XXX) 9/30 & 10/31 - attached.1.15.19 - Clayton has reviewed and al pertinent information for asset verification is on page 1.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 25 years 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 34 years 2 months in same line of work.  Borrower 2 10 years 6 months in same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 37.677% below program maximum 45.00%.

0637950422

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

Right of Rescission

Satisfied

C

B

C

B

CMPROR117

ROR - Expiration date on form prior to end of rescission period

No

Final CD dated XX/XX/XXXX reflects a disbursement date of XX/XX/XXXX. There is a PC-CD in the file with a disbursement date of XX/XX/XXXX.

2.15.19 - Client responded. Disagree.  CD with disbursement date of XX/XX/XXXX is an Initial CD issued on XX/XX/XXXX per eTracking and not a PC CD.  Document generation date located in footer; issue date populated incorrectly.  Rescission end date is XX/XX/XXXX and funds disbursed on XX/XX/XXXX, no violation as funds disbursed after expiration date.  See eTracking and CD image.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $403,547.12 or 92.39 months PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence 10 years.

0637950422

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

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 & XX/XX/XXXX Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted Title Fees that were shoppable were placed in section B. Corrected on PC-CD dated XX/XX/XXXX. Exception satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $403,547.12 or 92.39 months PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence 10 years.

0819007849

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 21.36% max 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% max 89.99% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  124.97 months PITI reserves

0960159033

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

CRDCRMH193

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

No

No mortgage/rental payment history. Exception DECISION: - Approved.  Customer is living rent free with her non-borrower's spouse who owns residence. (See LOE in file). Compensating factors include customer has been in the field for 7 years, considering her employment history as stable. Customer will have $66k in reserves (19 months of PCL) after closing and her low ratios of  18.168/18.438% with substantial residual income of $15,292.80/ mo supports borrower's ability to repay the subject mortgage. Bases on compensating factors considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $70,192.82 or 20.73 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 18.19% below guideline requirement of 43% by 24.81%

0575074147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

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

1. Borrower qualified with Restricted Stock  income of $21,499.02. 1. Verification of XXX 52 week Hi/Low value of stock was not located in file to support income of $21,499.02 used to qualify. (Restricted Stock page 123).  2. Evidence of pay out of restricted stock required.  Per employment letter, the 1st payout should have been  11/15/2018. 2.Guidelines require documentation to verify Borrower employment history with no employment gaps of not more than one month.  Borrower started current employment on 11/13/17.  No documentation located in file to support end date with prior employer.  Provide evidence of end date or verification of employment from prior employer. (Employment gaps page 100).

2.12.19 - Client responded.XXX restricted stock award for 2018 attached along with 52 week high low value of stock.  Prior employment dates disclosed on loan application and W-2s provided support continuous employment; start date on verbal VOE for current employer attached confirms no gap in employment . Non agency guidelines do not require a verbal VOE for prior employment.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying CLTV XX.XX% below program maximum 80.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 exceeds program requirement 720.

0575074147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID4235

TRID - CD: The Total Closing Costs (Borrower-Paid) amount disclosed in the CD Other Costs section does not equal its component parts

No

CD: XX/XX/XXXX, Section: Other Costs, Field: Total Closing Costs (Borrower-Paid) , Value: $9904.88 and Calculated, Value: $10154.88.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying CLTV XX.XX% below program maximum 80.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 exceeds program requirement 720.

0575074147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Credit/Mtg History

Active

C

B

C

B

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Exception approved for number of financed properties (6) exceeding guideline maximum of 4. Exception required CLTV to be below 60% with no other exceptions.  Compensating factors used for exception are as follows: rate/term refinancing ARM to fixed rate, CLTV XX.XX%,  mortgages financed are all small agency size at $100k or below,  property in strong market, low debt usage, pays extra principal monthly to each  mortgage per credit report, and not using any rental income to qualify.

2.12.19 - Client responded. LVAM exception for number of financed properties (6th financed property) was approved by PCO 12-07-2018.2.12.19 - Clayton has reviewed and considers non-material based on compensating factors.

2.12.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying CLTV XX.XX% below program maximum 80.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 exceeds program requirement 720.

0575074147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2408

Income verification does not meet guidelines

No

Guidelines require documentation to verify Borrower employment history with no employment gaps of not more than one month.  Borrower started current employment on 11/13/17.  No documentation located in file to support end date with prior employer.  Provide evidence of end date or verification of employment from prior employer. (Employment gaps page 100).

2.12.19 - Client responded. Per loan application, borrower disclosed prior employment with XXX from 05-10-2015 to 11-15-2017.  Borrower's start date with current employer XXX was verified (11-13-2017) via verbal VOE dated 12-13-2018 and there is no gap in employment.  2016 and 2017 W-2s for XXX were obtained and income is consistent with employment dates disclosed.  Non agency guidelines do not require a verbal VOE for prior employment, only current employment. Loan application, W-2s and verbal VOE are attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying CLTV XX.XX% below program maximum 80.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 exceeds program requirement 720.

0575074147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC888

Income Amount is  Unsupported by Documentation in File

No

Borrower qualified with Restricted Stock  income of $21,499.02. 1. Verification of XXXXXXX 52 week Hi/Low value of stock was not located in file to support income of $21,499.02 used to qualify. (Restricted Stock page 123).  2. Evidence of pay out of restricted stock required.  Per employment letter, the 1st payout should have been  11/15/2018.

2.12.19 - Client responded. XXX restricted stock unit award is attached.  Borrower was granted 650 shares vesting over four years, with 5% vesting on the 15th day of first anniversary (11-15-2018). Document reflects 32.5 units granted in 2018 (5% of 650), total income $49,149.  Document also reflects current stock price (11-19-2018), 52 week high, 52 week low, and average.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying CLTV XX.XX% below program maximum 80.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 exceeds program requirement 720.

0575074147

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Evidence of hazard insurance coverage for subject property was not located in file.

2.12.19 - Client responded. Loan was eligible for lender's Hazard Step Saver Process.  Lender's hazard insurance information from their servicing records (Online Payoff Service) is used; borrower is not required to provide additional hazard insurance documentation.  Hazard Step Saver Checklist and OPS hazard insurance data is attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying CLTV XX.XX% below program maximum 80.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 786 exceeds program requirement 720.

0820331274

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 verification of primary housing hazard expense of $112.67 used to qualify. Provide verification of hazard expense to support full PITI expense of $8,655.72 used to qualify.

2.12.19 - Client responded. Lender's servicing records (Online Payoff Service) for borrower's primary residence mortgage (#XXX) reflect annual hazard insurance for primary residence (XXX) is $1352 or $112.67 per month. Copy of lender's OPS record attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 38.166% below program maximum 45.00%.

0820331274

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Final CD dated XX/XX/XXXX reflects Finance Charge of $862,863.28 but Clayton calculated $1,109,451. PCCD dated XX/XX/XXXX corrects error and reflects $1,109,476 and difference is less than the $100 allowed. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 38.166% below program maximum 45.00%.

0820331274

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 verification of primary housing hazard expense of $112.67 used to qualify. Provide verification of hazard expense to support full PITI expense of $8,655.72 used to qualify.

2.12.19 - Client responded. Lender's servicing records (Online Payoff Service) for borrower's primary residence mortgage XXX) reflect annual hazard insurance for primary residence (XXX) is $1352 or $112.67 per month. Copy of lender's OPS record attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 38.166% below program maximum 45.00%.

0063995625

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:  Borrower has Post close reserves in the amount of $491,506.47.  Reserves required $10,833.62 x 12 = $130,003.44. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21.78%, max allowed per G/L is 43%

0647029624

XXXXXX

GA

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 10 years in the same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 791 exceeds program requirement 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 69.70% below program maximum 80.00%.

0954060484

XXXXXX

UT

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 have been on the same profession for 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI is 45%, borrower has a 28.27% which is 16.73 points below the guideline requirement.

0700016312

XXXXXX

WA

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

Borrowers closed escrow on 2nd home in XXX, AZ one month prior to COE on subject refinance. File missing note verifying P&I payment, HOI verifying monthly HOI payment and tax cert verifying monthly tax liability. File did include final HUD/settlement statement.

2.14.19 - All components of non-subject PITI for 2nd home in XXX, AZ attached. Total monthly payment amount $2,695.01

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 821. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $42,902.27. Verified Assets for reserves is $306,365.52.

0700016312

XXXXXX

WA

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 dated XX/XX/XXXX [Last CD], Calculating Cash to Close, Closing Costs Financed - Final, Value is: $9,791.32; however, the Clayton Calculation, Value is: $9,096.32.  Difference is POC's of $695.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 821. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $42,902.27. Verified Assets for reserves is $306,365.52.

0700016312

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Assets

Satisfied

B

A

B

A

CRDAST3036

Assets reflect unsourced deposits

No

File missing bank/brokerage statements from XXX verifying the seasoning of large deposit funds in the amount of $303,651.70 deposited on 11/19/2018 into XXX checking account #XXX.

2.14.19 - Client responded. Wire transfer of $303,651.70 from borrowers XXX money market account 11/19/18 into XXX Checking XXX then $303k of existing balance was transferred to XXX Everyday Checking xXXX 11/19/18. Explanation of documented funds attached.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 821. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $42,902.27. Verified Assets for reserves is $306,365.52.

0700016312

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Primary borrower resides in XXX during the week close to the employer's corporate offices. There is no explanation in file from borrower or employer verifying corporate housing or explanation from borrower where he resides. in addition to verification of rent (if applicable). Monthly obligation effects DTI and residency.

2.14.19 - Client responded. Travel expenses are paid by the employer. Borrower explanation attached.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 821. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $42,902.27. Verified Assets for reserves is $306,365.52.

0700016312

XXXXXX

WA

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

Borrowers closed escrow on 2nd home in XXX, AZ one month prior to COE on subject primary residence refinance. File missing note verifying P&I payment, HOI verifying monthly HOI payment and tax cert verifying monthly tax liability. File did include final HUD/settlement statement.

2.14.19 - Client responded. All components of non-subject PITI for 2nd home in XXX, AZ attached. Total monthly payment amount $2,695.01

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 821. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves Required  $42,902.27. Verified Assets for reserves is $306,365.52.

0396407139

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:  Assets:Borrower is required to have liquid funds in the amount of 257,986.52 for closing and reserves o 6 months PITIA for all properties owned (10,353.61*6) = 62,121.66 totaling 320,108.18, metPost close reserves: Months PITI Reserves (Qual Rate) 29.43  Cash Reserves $221,509.09 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years at current job

0420173097

XXXXXX

CA

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:  46 months on time mortgage payments on the existing primary residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 32.85%.

0242279694

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

PC CD dated XX/XX/XXXX satisfies exception. Exception SATISFIED

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.8228% DTI below max 43% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $189,849.03 or 54.03 PITIA months, 12 months reserves required. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 11 years

0898678553

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

Missing part of the VOR. Received VOR per the landlord , but have only 10 consecutive months checks from Aug 2017 thru May 2018 & bank statements for Oct & Nov 2018; June thru September are missing.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 9 years in her profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves verified of $165,001.96 / $6893.06 = 23.94 months reserves. Required reserves of $6,893.06 x18 = $124,075.08.

0832640726

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 786 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 28% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 17 years same line of work.  Borrower 2 has 18 years 6 months in same line of work.

0399718061

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

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: Calculating cash to close section: Closing costs financed (paid from your loan amount Final total of $10,275.75 does not equal Clayton Calculation total of $9749.32. Difference is $526.43 which is the POC total in section B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 778 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.50% is below guideline requirement

0977564601

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 Calculation Cash to Close, Closing Cost Financed value $8477.83 is different then Clayton calculation value $7955.40. The difference is $522.43 the Closing Cost paid before closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 51.09%  below guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 807 exceeds guideline requirement.

0818253397

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 812 above program requirement 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 8 years 1 month in same line of work.  Borrower 2 has 15 years 1 month in same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 32.164% below program maximum 45.00%.

0977074268

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

Compliance Manual

Active

B

B

B

B

CMPMAN2992

1003 - Initial Application is not Accurate

No

Initial 1003 does not indicate Lender's App Date. Please provide initial 1003 w/ the date.  The typed 1003, in file, was printed onXX/XX/XXXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $762,198.56 in post-closing reserves, which is $702,999.32 more than the guideline required amount of $59,199.24, or 154 months in reserves of subject PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a median credit score of 794, which is 74 points higher than the guideline requirement of 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is 34.71%.

0734867915

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 Closing Costs financed (paid from you loan amount) value is $3,406.24. Review calculates total to be $2,875.81. Please provide proof borrower was refunded the difference or a PCCD that reflects accurate closing costs financed, LOX, and verification of shipping

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $184,578.25 or 62.09 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 33 years.

0734867915

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

Refers to all CD's: Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted Title fees appear in Section B indicating borrower did not shop for services; however the provider used is not on the lender's service provider list. Please provide a PCCD that reflects fees in the correct section, LOX, and verification of shipping

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $184,578.25 or 62.09 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 33 years.

0726190507

XXXXXX

NJ

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:  No late mortgage payments in the past 24 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on his current job for 20.80 years CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 30 years

0489025669

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 Calculating Cash to Close section includes POC costs, please provide a revised CD that does not include POC fee of 522.43 in the total.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Calculated $279,004.18 Post Closing reserves. PITI of 80.60 months, meeting guideline requirements. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.14 is below guideline requirement.

0030988079

XXXXXX

WA

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:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 720, borrower has a 796 which is 76 points above the guideline requirement. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 23.51 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been in current profession for 20 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for 12.82 years

0263356388

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.

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 25 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower have resided in current home for 18.14 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months.

0819612696

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

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrowers are short PCL reserves by 8 months. Loan UW to HFI guides which allow underwriter discretion to approve with less PCL than guidelines. HFI to HFI rate and term refinance.  Customer meets the requirements for waiving the minimum PCL requirement. Loan is a XXX HFI loan and will be lowing the rate 0.25% and payment $137/month. Loan look up tool is in file and supports eligibility as a portfolio loan. Assets have been disclosed on application. Verified sufficient cash to close.  Further verification is not required. Loan to value of 80% meets the maximum of 80%. Verified with OPS print out that all of the borrowers on the new loan are the same as all of the borrowers on the original loan. Verified occupancy on new loan is owner occupied and is the same as the original loan.  Loan is not interest only. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38%. Max DTI for this program is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower with current employer for 13 years.

0819612696

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

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Borrowers on title for less than six months. Original loan closed October 2018. Lender exception request in file with no evidence of approval.  Provide evidence that Lender has approved exception.  Compensating factors: Decreasing housing expense; Low front ratios, long term employment and rate reduction.

2.19.19 - Client responded. This exception was not needed (cancelled) since title transfer was due to purchase. Borrower purchased the subject property XX/XX/XXXX. Purchase Agreement, Closing Disclosure and Final Master Statement attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38%. Max DTI for this program is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower with current employer for 13 years.

0456401257

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

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Hazard Coverage total of $507,600 is not sufficient to cover the loan amount of XXXXXX or the Total Est. of Cost-New $635,030; Per Hazard Insurance Replacement Cost Matrix, the XXX Policy is XXX Smart Plan Home (not Protector Plus Policy) and does not notate Form E6047 or HO3 w/ endorsement of E-6196.

2.15.19 - Client responded. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. Policy attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 680, borrower has a 704 which is 24 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $650,388.84. Reserves required are $5718.33 x 12=$68619.96. 113.74 months reserves.

0646163421

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's have been in same profession for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 61.22% is 18.78% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 803 is 123 points higher than required 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 36.56% is 6.44% less than required 43%.

0768610190

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

CRDAPP130

Application is incomplete

No

Section VIII "Declarations is not completed" on final application dated XXX.

1.16.19 - Client responded. See attached Final loan application that has the Declaration section VIII completed

1.16.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 15 years at current residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrowers have minimal debt.  Consumer debt is less than 1% of borrowers gross income.

0860041515

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

Missing Gift Letter for $15,000.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  65.64% is below guideline requirements

0860041515

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's approved exception, dated XX/XX/XXXX, for having only 10 mos PCL at time of closing.  Borrower does not have sufficient liquid assets for tracking.  Borrower is putting more down payment, showing strong commitment to property which is attributing to the PCL shortage.  Borrower is a FTHB and has shown savings ability with $223,183.70 in liquid assets and $173,515.16 in retirement savings so only using towards 50% PCL.  Borrower is getting $15k in gift funds which is only 6% of down payment.  Strong residual income of $7085 which will allow borrower to increase savings.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  65.64% is below guideline requirements

0860041515

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's approved exception, dated XX/XX/XXXX (pg 273) for no housing history.  Borrower currently lives rent free with family.  Comp Factors:  Strong savings ability with #223,183.70 in liquid assets and $173,515.16 in retirement savings, strong residual income of $7085 which allow borrower to increase savings.  Borrower had a previous mortgage history, 04/11 - 12/12, paid as agreed.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  65.64% is below guideline requirements

0587116932

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 767. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.99%. Max DTI for this program is 43.00%.

0994721460

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 798 above program requirement 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 25.922% below program maximum 45.00%.

0100228207

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

Required Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 729 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 35.40% is below guideline requirement 43%

0432006614

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

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

PCCD XX/XX/XXXX Calculating cash to close table does not match the last LE issued XX/XX/XXXX.Requires corrected PCCD, LOX and copy of shipping.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed is 45%, current DTI is 34.67. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is 720.  The borrower qualifying score is 755.

0432006614

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 reserves $40,043.16, short for reserves due to borrower requesting reserves. Borrower is short 2 months reserves. Lender approved exception based on residual income of $7155, 10 year job stability, low DTI of 35%.

1.30.19 - Client responded. LVAM approved exception - Non HFI 3 mo PCL Reduction. Exception approved under the PCO delegated authority. 1.30.19 - Clayton has reviewed and considered non-material based on credit score of 755 exceeding guidelines and low DTI of 34.67%.

1.30.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed is 45%, current DTI is 34.67. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is 720.  The borrower qualifying score is 755.

0168741568

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 positive Schedule C income showing on tax returns that is not used to qualify. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 year on current job.

0046632258

XXXXXX

VA

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 69.29%; max allowable 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $139,109.61.  Reserves required $3,419.12 x 12 = $41,029.44. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 18.14%; max allowable 43%.

0282322121

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 8 years in current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Total DTI is 17.85% which is below the guideline maximum.

0665483123

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

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

Determine ATR/QM status upon review/receipt of 2 year employment history for each borrower

2.3.19 - Client responded. 2 year employment history for each borrower attached. B1 was XXX from 11/2015 - 4/2018 before XXX acquired XXX in 4/2018. See B2 letter of explanation along with 2016-17 W-2's.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for 12 and 18 years respectively. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers have bonus income that was documented via paystubs, but not used in the qualifying.

0665483123

XXXXXX

CA

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

Satisfied

B

A

B

A

CRDINC2340

Employment verification does not meet guidelines

No

Provide a 24-month employment history with no gaps in employment over one month.  Verbal verification of employments located in the loan file only verified the current employment for borrower for 8 months and co-borrower for 1 year respectively.

2.3.19 - Client responded. 24-month employment history for each borrower with no gaps over one month attached. B1 was XXX from 11/2015 - 4/2018 before XXX acquired XXX in 4/2018. See B2 letter of explanation along with 2016-17 W-2's.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for 12 and 18 years respectively. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers have bonus income that was documented via paystubs, but not used in the qualifying.

0665483123

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Provide missing Data Verify report

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for 12 and 18 years respectively. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers have bonus income that was documented via paystubs, but not used in the qualifying.

0129024946

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:  Total DTI is 21.40% which is below the guideline maximum. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 21 years in current job.

0466663982

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  Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 4716.23 actual calculation 9898.90 closing costs 5411.23 - POC 695 = 4716.23

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  89.99% max LTV;  borrowers have 30.43% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  120,566.39 post closing cash reserves; 25.43 months PITIA.  12 months PITIA required. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 10.42 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  700 minimum credit score required;  borrowers have a 735 score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI;  borrowers have a 34.46% DTI.

0723271264

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure missingPlease provide affiliate Business Disclosure provided to borrower within 3 business days of loan application.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  720 minimum  score required, borrower has  770 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower needs  $48,785.16  in reserves, borrower has $89,293.37

0723271264

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3957

TRID - CD: The Homeowner's Insurance escrow indicator in the CD Projected Payments section is not consistent with the inclusion of Homeowner's insurance in Escrowed/Non-Escrowed Property Costs over Year 1 in the CD Loan Disclosures section

No

Homeowners Insurance is not included in escrowed amounts and should be reflected in Projected Payments, Estimated Taxes, Insurance & Assessments Section, box checked and "NO" in Escrow, then included in Loan Disclosures, Escrowed Account Section in Non-Escrowed property costs over Year 1. Please provide POST CD, LOE and proof of delivery within 60 days of consummation to correct issue with Homeowners Insurance.

2.4.19 - Client responded. Disagree: This is an attached condo project and the property insurance is obtained and maintained by the homeowner's association. As this is not a recurring, mortgage-related obligation for the borrower, homeowner's insurance should not be included in any escrow-related field on the consummation CD.

2.4.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  720 minimum  score required, borrower has  770 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower needs  $48,785.16  in reserves, borrower has $89,293.37

0723271264

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Streamlined Condo Review documentation.

2.06.19 - Client responded. NPRES streamline condo review / approval attached.

2.06.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  720 minimum  score required, borrower has  770 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower needs  $48,785.16  in reserves, borrower has $89,293.37

0455132374

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

CMPTRID4290

TRID - CD: Closing Costs total has at least one inconsistent value between the Costs at Closing Table, section J and the Calculating Cash to Close Table

No

Please provide Post-Closing CD with the correct Closing Costs total amount of $10486.22 in the Calculating Cash to close section To be consistent with Costs at Closing Table, and section J.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 26 years in current profession. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 9 year mortgage history with no late payments.

0040115408

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 Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 6403.07 actual calculation 5708.07 closing costs 6403.07 - POC 695 = 5708.07

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a credit score of 776.

0374806845

XXXXXX

MD

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:  The borrowers have 18 year mortgage history with no late payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 year on current job.

0173118104

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

C

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

Lender credits - tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed

1.30.19 - Client responded. Disagree: Lender credit on Initial LE is $2720.   Itemized fees paid by lender at consummation exceed Lender Credit amount.   Appropriate to itemize lender credits on CD.   No violation.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 781 is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed in the XXX industry for 20 years.

0173118104

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Homeowners Insurance Policy provided indicates Dwelling Coverage of $330,720.00; subject loan amount is $XXXXXX; Provide replacement cost estimate from Insurance Company.

1.30.19 - Client responded. Per Hazard Insurance Replacement Cost Chart the coverage meets the HO-3 per page two of hazard policy under "Form Type"; therefore, the coverage is sufficient.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 781 is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed in the XXX industry for 20 years.

0645312263

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

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.76% is below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 709  exceeds guidelines CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX for 20  years. CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower has just joined XXX with increased compensation.

0645312263

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

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

All non permanent resident aliens must have a minimum two-year history of residence, employment, and credit in the United States.  Borrower currently only has a 15 month credit history.   Exception in the file to grant the borrower the use of only 15 month credit history. Client provided an approved exception for only having 9 months PITI reserves instead on 12 months due to $12,400.00 in residual income and 29.00% DTI.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.76% is below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 709  exceeds guidelines CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX for 20  years. CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower has just joined XXX with increased compensation.

0645312263

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

An approved Exception is in file page 226 allowing the shortage of  3.7 months reserve requirement. Reserve required 12 x 4302.41=51,628.92; verified $39,296.36 /4302.41 = 9.13 months. actual short is 2.87 months.Client provided an approved exception for only having 9 months PITI reserves instead on 12 months due to $12,400.00 in residual income and 29.00% DTI.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 28.76% is below guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 709  exceeds guidelines CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX for 20  years. CFCFS1750: High potential for increased earnings - Clayton Comments:  Borrower has just joined XXX with increased compensation.

0569393180

XXXXXX

NJ

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

The file is missing verification of PITI for prior residence on XXX

2.12.19 - Client responded. Lender's servicing records (Online Payoff Service) for borrower's departure residence (XXX) reflect monthly PITI payment for XXX, XXX is $2,924.  Copy of lender's OPS record attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower is employed but income was not used to qualify. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrowers have 10 year mortgage history with no late payments.

0569393180

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

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 3 days prior to consummation. Per Data Disclosure Spreadsheet Initial CD sent XX/XX/XXXX however was not provided, Please provide initial CD XX/XX/XXXX

2.15.19 - Client responded. Disagree.  Initial CD sent XX/XX/XXXX per eTracking.  The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XX/XX/XXXX allowing at least 3 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 XX/XX/XXXX and, per XXX testing methodology, this is the same as an in hand delivery. This is not a testing defect so corrective action is not required.See attached CD and eTracking documentation.  See attached XX/XX/XXXX Closing Disclosure, CD Image Page1, and eTracking documentation.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower is employed but income was not used to qualify. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrowers have 10 year mortgage history with no late payments.

0569393180

XXXXXX

NJ

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

The file is missing verification of PITI for prior residence on XXX

2.12.19 - Client responded. Lender's servicing records (Online Payoff Service) for borrower's departure residence (XXX) reflect monthly PITI payment for XXX, XXX is $2,924.  Copy of lender's OPS record attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower is employed but income was not used to qualify. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrowers have 10 year mortgage history with no late payments.

0569393180

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

The 4506T in the file is not signed by the borrowers.

2.12.19 - Client responded. IRS 4506T document signed by borrowers is attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower is employed but income was not used to qualify. CFCFS1739: Postive mortgage payment history - Clayton Comments:  The borrowers have 10 year mortgage history with no late payments.

0554394808

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:  Borrower has 12 years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers' total DTI is 22.88% which is below the guideline maximum.

0760446082

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

D

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 4352.97 actual calculation 9898.90 closing costs 4858.40 - POC 505.43 =4352.97

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments:  Borrowers decreasing monthly mortgage by 26% or $1,460/mo CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 102.94 months in verified reserves, 12 months are required. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  700 credit score required; borrowers have a 738 score. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence for over 12 years.

0760446082

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

D

A

C

B

B

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

'- Missing proof that HELOC with XXX has been closed to future draws. - Missing proof that HELOC with XXX HELOC has been closed to future draws. (Payoff and Close letter in file not signed by borrowers)

2.14.19 - Client responded. See attached Satisfaction of Mortgage of the HELOC verifying that it is closed out.  And Closing Disclosure shows 2nd paid off.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments:  Borrowers decreasing monthly mortgage by 26% or $1,460/mo CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 102.94 months in verified reserves, 12 months are required. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  700 credit score required; borrowers have a 738 score. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence for over 12 years.

0760446082

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

C

A

B

B

D

B

D

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

Desk review value of $XXXXXX out of tolerance by -XXXX% of the original appraised value of $XXXXXX. A field review will be ordered.

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

2.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1746: Significant housing expense reduction - Clayton Comments:  Borrowers decreasing monthly mortgage by 26% or $1,460/mo CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 102.94 months in verified reserves, 12 months are required. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  700 credit score required; borrowers have a 738 score. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence for over 12 years.

0373231576

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:  Borrower's have excellent credit history with no late payments reporting. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 32% is less than the guideline maximum of 43%.

0544720096

XXXXXX

ID

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

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Lender exception approved noted on Underwriting Decision Summary for Cash Out amount of $469,486.64 exceeding the max of $350k on a 2nd Home for 90 days cash recoupment (Purchased subject XX/XX/XXXX for $XXXXXX).  Offsets; high residual income $15K+, Low DTI ratios, demonstrated ability to save and not heavy rev/installment debt users. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 7 year mortgage history with no late payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 37.65% which is below the guideline maximum.

0420094785

XXXXXX

KY

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 12 years in current profession. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 6 year mortgage history with no late payments.

0350612501

XXXXXX

WA

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 positive Schedule C income not used to qualify. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years in current profession.

0420417051

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 28.79%; max allowable is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 782 is 102 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower1 has worked in the same profession for 20 years.

0181487895

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

Condo project does not meet Condo presale requirements. Lender approved exception in file based on high residual income.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  152,819.90 post closing cash reserves; 45.66 months PITIA.  12 months PITIA required.

0520041378

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

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 Letter of Explanation from borrower for evidenced Gap of over 30 days in employment over the past 2 years as is required by guides and appendix Q; VOE for current employment reflects start date of 8/13/18 and Final 1003 reflects prior employment end date 6/29/18.

2.14.19 - Client responded. B2 gap in employment from 6/29/18 to 8/13/18 due to end of school year and start of new employment. B2 has been in the same profession over 18 years and changed XXX 8/13/18 to advance in the same line of work. Prior employment XXX.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $23,395Verified Assets for reserves $131,106 CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.63% DTI

0520041378

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

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's dated XX/XX/XXXX  The stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section  shows 9442.85 , correct calculation should be 9442.85 - POC fee 695.00 = 8747.85 .

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $23,395Verified Assets for reserves $131,106 CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.63% DTI

0520041378

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2340

Employment verification does not meet guidelines

No

Missing Letter of Explanation from borrower for evidenced Gap of over 30 days in employment over the past 2 years as is required by guides and appendix Q; VOE for current employment reflects start date of 8/13/18 and Final 1003 reflects prior employment end date 6/29/18.

2.14.19 - Client responded. B2 gap in employment from 6/29/18 to 8/13/18 due to end of school year and start of new employment. B2 has been in the same profession over 18 years and changed XXX 8/13/18 to advance in the same line of work. Prior employment XXX.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $23,395Verified Assets for reserves $131,106 CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.63% DTI

0520041378

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

LTV/CLTV

Active

B

B

B

B

CRDLTV3026

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

No

Lender exception approved noted on Underwriting Decision Summary for LTV of 75% exceeds the max of 70% on Cash Out.  Borrowers purchased subject on XX/XX/XXXX and due to timing of sale of departure, parents loaned them funds to pay cash for subject.  Departure soldXX/XX/XXXX which does not meet terms of 90 day recoup policy so subject transaction is Cash Out and limited to 70%.  Offsets; 800 Fico, credit depth back to 05/90 with 49 trades 1x30 04/14 with all other paid as agreed, Low DTI.  Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $23,395Verified Assets for reserves $131,106 CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.63% DTI

0908083187

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

Active

C

B

C

B

CMPROR1911

Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor

No

Incorrect ROR form used.

1.30.19 - Client responded. Disagree: Model Form H-9 includes all of the information required by TILA and Regulation Z to advise borrowers of the right to rescind a consumer credit transaction.  Model Form H-8 and Modle Form H-9 are substantially similar.   1.30.19 - Clayton has reviewed and per Clayton Compliance Department the Circuit Court for California is the 9th District which has not issued opinions on the issue of H8 versus H9. Clayton is relying upon its prior reasoning as well as the fact the majority of the circuits that have decided the issue agree to grade this as non-material exception.

1.30.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserve available $2,604,016.22/ PITI $7760.47 = 335.55 months. CFCFS1736: Significant time at current residence - Clayton Comments:  13 years at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Over 14 years at current job.

0908083187

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

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection since the FEMA Disaster, Dec Date 11/12/2018, Eff Date 11/25/2018 - Wildfires; Appraisal dated 11/16/2018.

1.28.19 - PDI provided and no damage.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserve available $2,604,016.22/ PITI $7760.47 = 335.55 months. CFCFS1736: Significant time at current residence - Clayton Comments:  13 years at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Over 14 years at current job.

0352897693

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 33.76%. Max DTI for this program is 43.00%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Bonus income not used to qualify. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 784. Minimum credit score for this program is 720.

0961421250

XXXXXX

VA

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 HOA dues for property located at XXX.  Per mortgage statement, the departing residence is a townhouse and the application supports evidence of HOA fees.

1.21.19 - Client responded. Evidence of monthly HOA dues in the amount of $148.56 for property located at XXX (non-subject) attached.

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.86 below guideline requirements of 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 4.34 years stable employment history

0961421250

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

B1: Missing Legible front copy of permanent residence alien card B2: Missing legible copy of Visa

1.21.19 - Client responded. Copy of Permanent Resident Alien Card for B1 and Visa for B2 attached.

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.86 below guideline requirements of 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 4.34 years stable employment history

0961421250

XXXXXX

VA

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 HOA dues for property located at XXX.  Per mortgage statement, the departing residence is a townhouse and the application supports evidence of HOA fees.

1.21.19 - Client responded. XXX bank statement(s) and financial activity transcript attached to verify monthly HOA dues in the amount of $148.56 for property located at XXX (non-subject).

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.86 below guideline requirements of 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 4.34 years stable employment history

0463164585

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:  787.  Minimum score required is 680. CFCFS2854: Significant time in profession - Clayton Comments:  12 years in current profession per application.

0855248616

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

Final CD XX/XX/XXXX Finance charge is 429,123.98 and Clayton's paystream is 429,634.58 which is understated by $510.60. PCCD dated XX/XX/XXXX-Finance charge of 430,084.58 corrected the understatement. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for 15 and 10 years respectively. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years.

0855248616

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

Final CD XX/XX/XXXX Amount financed is 543,956.30 paystream is 544,406.30 which is out of tolerance by $510.60 PCCD dated XX/XX/XXXX Amount Financed amount of 543956.30 satisfied the understatement. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for 15 and 10 years respectively. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years.

0855248616

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 not in file. Please provide Required Affiliate Disclosure provided to borrower within 3 business days of loan application.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for 15 and 10 years respectively. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years.

0681212946

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

The loan file is missing the signed pages of the 2017/2016 1040 personal tax returns for Borrower 1.

1.5.19 - Client responded. The signed pages of the 2017/2016 1040 personal tax returns for Borrower 1 were not required (not applicable). Borrower 1 is a salaried employee and only base pay was used to qualify. Per non agency guidelines, the required income documentation was obtained.1.5.19 - Clayton has reviewed non agency guides and tax returns not required to be signed for salaried borrower.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the current Employer for 7.02 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Cash Reserves in the amount of $95,070.94; Required reserves are $50,303.61.

0681212946

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

CRDINC150

Income docs do not meet guidelines

No

The loan file is missing the signed pages of the 2017/2016 1040 personal tax returns for Borrower 1. Transcripts not in file to validate returns.

1.5.19 - Client responded. The signed pages of the 2017/2016 1040 personal tax returns for Borrower 1 were not required (not applicable). Borrower 1 is a salaried employee and only base pay was used to qualify. Per non agency guidelines, the required income documentation was obtained.1.5.19 - Clayton has reviewed non agency guides and tax returns not required to be signed for salaried borrower.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the current Employer for 7.02 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Cash Reserves in the amount of $95,070.94; Required reserves are $50,303.61.

0886672990

XXXXXX

NJ

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:  No late mortgage payments in the past 24 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 20.81 years CFCFS1736: Significant time at current residence - Clayton Comments:  B2 has resided in current residence for 11.72 years CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 15 years

0698689331

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 been employed with same employer for 11 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 0 late mortgage payments in last 24 months.

0310363424

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:  130,727.26 post closing cash reserves; 49.01 months PITIA.  12 months PITIA required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI;  borrowers have a 32.88% DTI. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have a 779 credit score.

0113431470

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

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 VVOE for B1 previous Employment to verify 2 year history without any gaps in employment.  The 2016 and 2017 W2s in file does not verify 2 year work history without any gaps and current VOE start date is 8/13/18.

1.15.19 - Client responded. No previous VOE from XXX was required. No apparent employment gap over one month. Loan Application reflects dates of previous employment at XXX from 5/16/16 - 8/06/18. Hire date at XXX was 8/13/18. Borrower has been in the same profession over 3 years and changed jobs to advance in the same line of work. Summary of employment (Underwriter Notes) attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  798  exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI of 33.90% is under the guideline requirement of  43%.

0113431470

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2340

Employment verification does not meet guidelines

No

Missing VVOE for B1 previous Employment to verify 2 year history without any gaps in employment.  The 2016 and 2017 W2s in file does not verify 2 year work history without any gaps and current VOE start date is 8/13/18.

1.15.19 - Client responded. No previous VOE from XXX was required. No apparent employment gap over one month. Loan Application reflects dates of previous employment at XXX from 5/16/16 - 8/06/18. Hire date at XXX was 8/13/18. Borrower has been in the same profession over 3 years and changed jobs to advance in the same line of work. Summary of employment (Underwriter Notes) attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  798  exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI of 33.90% is under the guideline requirement of  43%.

0113431470

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

C

A

D

A

D

A

D

A

C

A

D

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing Home Inspection after FEMA Disaster Effective 11/25/2018( FEMA Disaster- Wildfires).

1.14.19 - PDI provided and no damage.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  798  exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI of 33.90% is under the guideline requirement of  43%.

0696709282

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 of 70% is less than the maximum LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 796 exceeds the guideline minimum of 720.

0173692706

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

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

The 401k statement in the file for B1 cover only 10/1/2018 to 10/31/2018.  Per the guidelines, 2 consecutive month statements are required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 35% is less than the guideline maximum of 43%. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has over 15 years in her profession. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's have not had a credit incident within the last 36 months.

0173692706

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

CRDAST3036

Assets reflect unsourced deposits

No

XXX #XXX has 2 large deposits which are not properly sourced in the file.  $115,000 on 12/11/2018 and $30,000 on 11/26/2018.  Please provide appropriate trailing documentation to source these deposits used in the borrower's qualifying assets.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 35% is less than the guideline maximum of 43%. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has over 15 years in her profession. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's have not had a credit incident within the last 36 months.

0362701432

XXXXXX

PA

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 DTI is 23.10%; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have cash reserves in the amount of $217,767.66; 54 months PITI.  MInimum required per guidelines 12 months PITI.

0154528059

XXXXXX

WI

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 27 years in current profession. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 46 month mortgage history with no late payments.

0659177551

XXXXXX

WA

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 XX/XX/XXXX: Calculation cash to close screen: XX/XX/XXXX: Closing costs financed (paid from your loan amount final total of 5644.76 does not equal clayton calculation total of 4949.76. Revised CD required Lender includes POC fee of 695.00 in calculation. Please provide revised CD with correct closing costs financed . Revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in current residence for over 8 years CFCFS2854: Significant time in profession - Clayton Comments:  Co borrower has been in profession for 20 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history

0659177551

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Provide estimated cost to replace from insurance company to document $444000 coverage is sufficient for XXXXXX loan amount

1.30.19 - Client responded. Please see attached screen prints with the insurance binder.  The screen prints on page 5 shows there is replacement cost coverage for the subject property.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in current residence for over 8 years CFCFS2854: Significant time in profession - Clayton Comments:  Co borrower has been in profession for 20 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history

0659177551

XXXXXX

WA

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

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

The loan file is missing  EXECUTED evidence of  the XXX HELOC being paid and closed to future draws.

01.30.19 - Client responded. See attached Title Policy showing no 2nd mortgage.  Thus HELOC was closed out.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in current residence for over 8 years CFCFS2854: Significant time in profession - Clayton Comments:  Co borrower has been in profession for 20 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history

0666847360

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

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:  Borrower has Post close reserves in the amount of $112,600.71.  Reserves required $3519.21 x 12 = $42,230.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 720, borrower credit score was 781 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No lates on mortgages last 24 months

0664527182

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  Calculating Cash to Close Section:  Closing Costs Financed - Final, Value: $3319.36 and Clayton Calculation, Value: $2796.93. Difference is POC of $522.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score 720, borrower has a 794 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Maximum LTV allowed 80%, borrower closed at 67.56%

0319886048

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:  Credit score 740 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 39.33 is below guideline requirement

0573202014

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

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender Exception for short PCL funds after closing is $6,173.88 or 1.75 months and PCL retirement funds of $237,546.12; per guidelines 12 months PITI is required or $42,361.32 with no more than 50% of the required reserves coming from retirement funds; borrower is short non-retirement PCL funds of $15,006.78. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.21%; max allowable is 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by the same employer for over 17 years.

0928682852

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

Seller CD reflects credit for $5270 however final CD XX/XX/XXXX calculating cash to close and summary of transactions section does not list a seller credit.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  borrowers have 0 late mortgage payments in last 24 months. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have no derogatory items on credit report.

0226843777

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

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  Summaries of Transactions, Adjustments and Other Credits Calculation is ($11,593.15) Calculating Cash to Close,  Adjustments and Other Credits - Final, -5393.15. Difference $6200 leaseback

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 12.12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 680, borrower has a 777 which is 97 points above the guidelines requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $664287.74 in total assets documented. Effective amount is $547,866.87, with liquid assets of $497972.21. Post close reserves are $348,207.43 . Reserves required $5357.23 x 12=$64286.76.

0194493338

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 25 years on current job. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have 15 years in current residence.

0727209542

XXXXXX

VA

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

B2 is XXX employed. Provide executed signature page for 2016 and 2017 1040's  or executed 8879 for 2016 and 2017.

1.24.19 - Client responded. 1- Executed 2016 and 2017 1040's for B2 were not required. B2 is a partner of XXX with less than 1% ownership. 2017 K-1 and pay stub for XXX attached.  2- Executed 8879 for 2016 and 2017 (XXX) attached.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.73 years, stable employment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline requirement of 720

0727209542

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

B

A

B

A

CMPMAN2992

1003 - Initial Application is not Accurate

No

Initial 1003 w/ Lender's App Date not enclosed. Please provide initial 1003 w/ the date.

1.22.19 - Client responded. The issue date on the application is located at the bottom of the page in Year, Month, Date format. See attached initial and final 1003's for date comparison. The initial 1003 was issued on XXX.

1.22.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.73 years, stable employment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline requirement of 720

0727209542

XXXXXX

VA

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

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing transaction history to complete 2 month most recent history for XXX #XXX statement ending 10/23/18 and transaction printout 11/5/18 (guideline page 158). Gap exists between these two dates.

1.24.19 - Client responded. Complete 2 month history for XXX #XXX for periods 9/21/18 - 10/23/18 and 10/24/18 - 11/21/18 attached, included transaction (account activity) printout 11/5/18.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15.73 years, stable employment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline requirement of 720

0803798433

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

A

A

C

B

B

B

C

B

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's approved exception and tracking for no housing history.  Missing VOR to support rental payments have been no more than 1X30 in the last 12 months. Additionally, lender's docs indicate the borrower has lived with girlfriend the past 2.5 years rent free without a rent free letter in file.    Comp Factor:  28 months PCL when 12 is required, Low LTV of 28/32% max 36/45%, Strong wiliness to repay.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 31.55%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 750 exceeds the minimum of 680.

0803798433

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

A

A

C

B

B

B

C

B

A

A

Property Valuations

Property

Active

C

B

C

B

PRVAPROP177

Property Issues Indicated

No

Lender's approved exception and tracking for flip (22%).    It should be noted that the property was sold XX/XX/XXXX for XXX to an investor and was updated and relisted for XXX.  Appraisal shows updates to the property which support the increase in value.    Comp Factor:  28 months PCL when 12 is required, Low LTV of 28/32% max 36/45%, Strong wiliness to repay.

2.12.19 - Client responded. LVAM exception tracking for flip transaction was approved by PCO on 12-14-2018. 2.12.19 - Clayton has reviewed and deemed non-material based on compensating factors.

2.12.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 31.55%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 750 exceeds the minimum of 680.

0696816977

XXXXXX

NC

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

Spl not present in file. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  28 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  814 Credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  68% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $33,891Verified Assets for Reserves $377,936

0252065477

XXXXXX

TN

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 not provided

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower have been on current job for 12.41 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 680, borrower has a 805.

0572570858

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH149

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

No

Lender to explain why Final 1003 shows Rent payments as $6200 per month, however rent checks are for only $2600 per month .

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  11 years on the job CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 gets Bonus Income that is not being used to qualify.Being used as a Comp Factor, YTD $87,740 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $62,610Verified Assets for reserves 303,578

0717281111

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:  809 representative FICO exceeds minimum 700 required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  15.77% DTI below max 43% allowed.

0839087305

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:  Borrower's LTV/CLTV is XX.XX%, well below allowed.

0887226403

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 at current job for 17.80 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 20.20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $810,986.73 post closing cash reserves; 241.23 months PITIA subject or 132 54 months PITIA all properties.  12 months PITIA required.

0392028306

XXXXXX

HI

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

Project has commercial space use of 57%. Approved exception in file based on low LTV & low exposure of 2% to lender.

2.15.19 - Client responded. LVAM approved exception - Condo Commercial Use Requirement. Exception approved under the PCO delegated authority.2.15.19 - Clayton has reviewed and based on compensating factors and low risk determine this is non-material.

2.15.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 23 years on current job. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The total LTV and CLTV is XX.XX% which is below the guideline maximum.

0666027971

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

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing 4 th Quarter XXX Bank Statement covering required 2 months verification - October 2018 thru December 2018.  Compensating factors: 63.64% LTV and 37.71% DTI, 801 qual score, Borrower 29 years in profession, all accts paid as agreed for the past 36 months.  Clayton considers non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 29 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  801  exceeded the guideline requirement of  680  by  121  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0666027971

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

CRDINC2408

Income verification does not meet guidelines

No

GL's require YTD legible paystubs documenting at least one month of Income; File is missing 30 days worth of YTD legible paystubs for Borrower.  Compensating factors: 63.64% LTV and 37.71% DTI, 801 qual score, Borrower 29 years in profession, all accts paid as agreed for the past 36 months.  Clayton considers non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 29 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  801  exceeded the guideline requirement of  680  by  121  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0645090628

XXXXXX

CA

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 been in current residence for 16.68 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 25 years and Co-borrower for 22 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  293,212.06 post closing cash reserves; 60.43 months PITIA.  12 months PITIA required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  700 minimum credit score required; borrowers have a 762 score.

0576543046

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

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Lender to provide Master PUD Haz Policy. H06 imaged reflecting $117k dwelling coverage.

1.17.19 - Client responded. There is no Master Insurance Policy for the property/association.  Only insurance document for the loan is the H06 show the dwelling coverage of only $117k.

1.17.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  773 Credit score CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  VA Benefit of $1409 not being used to qualify.Being used as a com factor CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $61,060Verified Assets for Reserves $290,406 CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.22% DTI

0070293850

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in primary residence for 31 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $648,256.54 in post-closing reserves, which is $590,276.11 more than the guideline required amount of $57,980.43, or 201 months in reserves of subject PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 799, which is 79 points higher than the guideline requirement of 720.

0156814943

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 verification of REO expenses For XXX, document monthly payment amount

2.12.19 - Client responded. XXX is a commercial property with title vested in an LLC (XXX). Monthly P&I payment on commercial loan #XXX with XXX is $13,170.46 (Customer is XXX).  Loan notes indicate commercial property has a triple net lease in place (also reflected on 1040 schedules); tenant is responsible for property taxes and insurance which is supported by annual tax ($300) and insurance ($0) expense on Schedule E.  XXX online loan payment history, SiteX Property Details and Schedule E of tax returns attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, Current DTI is 25.48% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower qualifying score is 800

0156814943

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 verification of REO expenses For XXX, document monthly payment amount

2.12.19 - Client responded. XXX is a commercial property with title vested in an LLC (XXX & XXX). Monthly P&I payment on commercial loan #XXX with XXX is $13,170.46 (Customer is XXX).  Loan notes indicate commercial property has a triple net lease in place (also reflected on 1040 schedules); tenant is responsible for property taxes and insurance which is supported by annual tax ($300) and insurance ($0) expense on Schedule E.  XXX online loan payment history, SiteX Property Details and Schedule E of tax returns attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, Current DTI is 25.48% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower qualifying score is 800

0145311407

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:  $119,061.22 post closing cash reserves; 28.63 months PITIA.  12 months PITIA required. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 13 years.

0216433723

XXXXXX

CA

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:  16 years in current Residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  817 Credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.33% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,385,594.16 in total assets documented.  Effective amount is $1,385,594.16, with liquid assets of $1,385,594.16.  Post close reserves are $1,385,594.16.   Reserves required $3,074.92 x 12 = $36,899.04

0770972254

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 755. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 25.38%. Max DTI for this program is 43.00%.

0694388620

XXXXXX

ID

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

Profit and loss statement and balance sheet provided for co-borrower did not identify that the statement was associated with the business, The XXX.  The documents provided did not reference the co-borrower or business owned.

1.31.19  - Business bank statement(s) attached to support the year-to-date profit and loss statement and balance sheet obtained for XXX.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in profession for 18 years respectively. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets exceed amount of required assets per loan approval/guidelines.

0694388620

XXXXXX

ID

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

CRDINC3558

Missing Profit and Loss statement for one or more Self Employed borrowers (#5)

No

Profit and loss statement and balance sheet provided for co-borrower did not identify that the statement was associated with the business, The XXX  The documents provided did not reference the co-borrower or business owned.

1.31.19  - Business bank statement(s) attached to support the year-to-date profit and loss statement and balance sheet obtained for XXX

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in profession for 18 years respectively. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets exceed amount of required assets per loan approval/guidelines.

0416698173

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 24 years in current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 21 years on current job.

0530731001

XXXXXX

CO

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.

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

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  1,000,561.97 post closing cash reserves; 224.57 months PITIA.   12  months PITIA required per guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI; borrowers have a 24.12% DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 783 credit score.

0668229300

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 mandatory 3 day waiting period was not met. Loan closed XX/XX/XXXX. Initial CD issued XX/XX/XXXX; confirmed receipt XX/XX/XXXX earliest date for consummation is XX/XX/XXXX.

1.30.19 - Client responded. Disagree: Bona-Fide 3day waiver in file.   See attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 10 years and Co-borrower for 9 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI;  Borrowers have a 34.53% DTI.

0431847238

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 13 years on current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has 13 year mortgage history with no late payments.

0550474321

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 $94,442.64.  Reserves required $2,989.18 x 18 = $53,805.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 807 exceeds guidelines of 680 for second home by 127 points

0594193108

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 completed "subject to" completion per plans and specs.  No 1004D was located in file to confirm completion of subject new construction.  Provide 1004D for review.

2.6.19 - Client responded. 1004D (certificate of completion) attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 809 above program requirement  720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $148,727.45. Required reserves $4,608.73*18 mos.=$82,957.14. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.76% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 28 years in same line of work.  Borrower 2 has 18 years in same line of work.

0974216980

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

B

A

B

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 signed and dated letter from the corporation's accountant confirming the percentage of ownership that borrower has, if any, in the family business, XXX.  If borrower owns 25% or more, than 2yr signed business tax returns with all schedules and attachments are required to ensure no losses.

1.30.19 - Client responded. Florida Division of Corporations attached. Borrower is a managing member of XXX. Has the authority to act as the agent on behalf of this corporation. No business tax returns were applicable. The following documentation; most recent YTD paystub(s), W-2s,1040 tax returns and VOE were obtained.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 720, borrower score is 809 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 22.59%

0974216980

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Credit

Assets

Satisfied

B

A

B

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing evidence of deposit of the proceeds of sale for XXX, in the amount of $147,514.57.  Per documentation (pg 159) funds were to be wired into borrower's account held at XXX on XX/XX/XXXX.

1.30.19 - Client responded. Settlement Statement to evidence proceeds of sale XXX in the amount of $147,514.57 attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 720, borrower score is 809 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 22.59%

0974216980

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH149

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

No

Missing copies of the most recent 12 months cancelled checks to support on time rent payments.  Documentation (pg 275, 279, & 284) does not adequately evidence that funds originated and cleared borrower's account.

1.30.19 - Client responded. VOR (XXX attached to include XXX activity transcripts, bank statements and transaction reports to evidence payment history for the most recent 12 months' rent.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 720, borrower score is 809 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 22.59%

0974216980

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

B

A

B

A

B

A

A

A

B

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2408

Income verification does not meet guidelines

No

Missing signed and dated letter from the corporation's accountant confirming the percentage of XXX that borrower has, if any, in the family business, XXX.  If borrower owns 25% or more, than 2yr signed business tax returns with all schedules and attachments are required to ensure no losses.

1.30.19 - Client responded. Florida Division of Corporations attached. Borrower is a managing member of XXX. Has the authority to act as the agent on behalf of this corporation. No business tax returns were applicable. The following documentation; most recent YTD paystub(s), W-2s,1040 tax returns and VOE were obtained.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score required is a 720, borrower score is 809 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 22.59%

0384961977

XXXXXX

GA

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 have been in the same profession for 13 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is 680, borrower have a 807. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months

0024379122

XXXXXX

PA

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 a business which was not considered in qualifying.  Business accounts in the file reflect over $200K in balances. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post closing reserves of $127,992.30 exceeds the 18 months PITIA required of $79,010.64.

0902437085

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

CRDCRMH149

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

No

Lender Exception Approval for 1.  First Time Homebuyer, Escrow Waiver.  2.  No Mortgage/Rental payment History.  Lender used compensating factors is Excellent Credit History, Borrower has increased earnings trends on both his employments, Borrower has shown great liquid savings.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  791 exceeded the guideline requirement of  720  by  71 points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI of 32.60% is under the guideline requirement of  45.00% by 12.40%.

0284907354

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for FEMA Disaster Wildfires with effective date 11/25/18; appraisal dated 11/16/18 Prior to FEMA Disaster.

1.23.19 - PDI provided and no damage.

1.23.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 88.67 months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 761. Minimum credit score for this program is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in her profession for 20 years.

0891916404

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 Verbal verification of employment for B2 XXX dated within 30 calendar days of note date, XX/XX/XXXX.  Provide verification for review.  (Verbal verification of employment (VVOE) XXX has been provided.

2.19.19 - Client responded. Verification of XXX attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 809 above program requirement 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for subject 1st and 2nd lien exceeds guideline requirement of 0x30 for 12 months. Both mortgages report 84 mos. 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 34 years 1 month at current job.

0891916404

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $3,657.15. Review calculates total to be $2,000.72. Difference is POC's of $1656.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 809 above program requirement 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for subject 1st and 2nd lien exceeds guideline requirement of 0x30 for 12 months. Both mortgages report 84 mos. 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 34 years 1 month at current job.

0891916404

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

Refers to all CD's: Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted Title fees appear in Section B indicating the borrower did not shop, however the title company is not listed on the service provider list. Please provide a PC-CD that reflects fees in the correct section.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 809 above program requirement 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for subject 1st and 2nd lien exceeds guideline requirement of 0x30 for 12 months. Both mortgages report 84 mos. 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 34 years 1 month at current job.

0891916404

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

B

A

B

A

CRDINC2488

Verbal verification of employment missing

No

Missing Verbal verification of employment for B2 XXX dated within 30 calendar days of note date, XX/XX/XXXX.  Provide verification for review.  (Verbal verification of employment (VVOE) XXX has been provided.

2.19.19 - Client responded. Verification of XXX attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 809 above program requirement 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for subject 1st and 2nd lien exceeds guideline requirement of 0x30 for 12 months. Both mortgages report 84 mos. 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 34 years 1 month at current job.

0891916404

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

Missing executed copy of IRS form 4506-T as required by guidelines

2.19.19 - Client responded. Executed copy of IRS form 4506-T attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 809 above program requirement 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for subject 1st and 2nd lien exceeds guideline requirement of 0x30 for 12 months. Both mortgages report 84 mos. 0x30. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 2 has 34 years 1 month at current job.

0231440010

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

Borrower's Interest

Active

B

B

B

B

CMPBI1623

MA Borrower Interest; Worksheet missing

No

Missing MA Borrower Interest worksheet.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $580,259.63 in total assets documented.  Effective amount is $362,042.67, with liquid assets of $60,385.90.  Post close reserves are $362042.67.  Reserves required $7343.39  x 12 = $88,120.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FIOC for primary wage earner is 798 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the current Employer for 14.56 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with the current Employer for 9.50 years.

0541963272

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

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

17,455.34 post closing cash reserves; 3.72 months PITIA.  12 months PITIA required per guidelines. Underwriting notes state HFI-HFI, eligible for PCL waiver since owners, occupancy are the same and monthly housing is being reduced. Lender exception not if file.

2.15.19 - Client responded. Lender exception was not required. Per non agency guidelines, the minimum PCL / reserve requirements may be waived for rate/term refinances of existing XXX HFI loans that lower the borrower's monthly mortgage payment. 2.15.19 - Clayton has reviewed and confirmed guideline.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 qualifying score. Min required per guidelines is 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 10.3 years.

0721098100

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 Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table is off by $ 522.43 which is the amount of POC.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves: $36,377.22, exceeds guideline requirement. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 29 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in home for over 7 years

0834894606

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:  761 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $43,121.64Verified Assets for Reserves $157,666

0855091104

XXXXXX

VA

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:  30.94 years at current residence per application. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  9.24 years at current job per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799.  Minimum required is 680.

0416221042

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:  Post close reserves are $64,698.67.  Reserves required $3,217.21 x 12 = $38,606.52. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.24; max allowable 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 is 121 points above the minimum required score of 680.

0099223533

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

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. Credit report located in file dated 8/17/18 exceeds 120 day allowable time frame.  Missing documents to support payment for departing residence used to qualify of $4,645.00 is full PITI expense.

1.30.19 - Client responded. 1- Per lender guidelines, a 10-day variance is allowed. Underwriting notes attached to include compensating factors and decision logic (offsets).  2- Document attached to support payment of $4,645 for departure residence is full PITI expense.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $474,176.38.  Required reserves $5,389.52*12 mos.=$64,674.24. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have 10 years in same line of work. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Payment history for first lien on departing residence reflects 26 mos. 0x30.

0099223533

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

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH148

Credit report stale dated at closing

No

Guidelines require credit report to be dated within 120 days of note date XX/XX/XXXX or XX/XX/XXXX. Credit report located in file dated 8/17/18 expired prior to close. Provide copy of unexpired credit for review. (Documentation requirements page 181)

1.30.19 - Client responded. Per lender guidelines, a 10-day variance is allowed. Underwriting notes attached to include compensating factors and decision logic (offsets).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $474,176.38.  Required reserves $5,389.52*12 mos.=$64,674.24. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have 10 years in same line of work. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Payment history for first lien on departing residence reflects 26 mos. 0x30.

0099223533

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 documents to support payment of $4,645.00 for departing primary residence is full PITI expense. No evidence in file to show payment includes taxes and insurance.

1.30.19 - Client responded. Document attached to support payment of $4,645 for departure residence is full PITI expense.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $474,176.38.  Required reserves $5,389.52*12 mos.=$64,674.24. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have 10 years in same line of work. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Payment history for first lien on departing residence reflects 26 mos. 0x30.

0681293770

XXXXXX

WA

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

Missing additional employment verification to evidence no gaps over one month in the past 24 months; VOE provided reflects start date of 4/23/18 and no prior employment VOE or prior employment pay stub with end date to reflect no gaps over one month to current employment.

1.11.19 - Client responded. No prior employment VOE or pay stub were required. Borrower earned XXX (conferred 3/24/18) and interned with XXX , XXX & XXX while obtaining XXX. Transcripts, W-2s and Underwriting Notes attached (2 attachments).

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV of 55.00% is under the guideline requirement of  80.00% by 25.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  753  exceeded the guideline requirement of  720  by  33  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0681293770

XXXXXX

WA

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

CRDINC2340

Employment verification does not meet guidelines

No

Missing additional employment verification to evidence no gaps over one month in the past 24 months; VOE provided reflects start date of 4/23/18 and no prior employment VOE or prior employment pay stub with end date to reflect no gaps over one month to current employment.  Downgraded to non-material.

1.11.19 - Client responded. No prior employment VOE or pay stub were required. Borrower earned XXX (conferred 3/24/18) and interned with XXX , XXX & the XXX while obtaining XXX. Transcripts, W-2s and Underwriting Notes attached (2 attachments).

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV of 55.00% is under the guideline requirement of  80.00% by 25.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  753  exceeded the guideline requirement of  720  by  33  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0522717334

XXXXXX

MO

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 employer for over 15 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been at job for over 13 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 30.24 is less than the guideline maximum of 45%.

0868226232

XXXXXX

CA

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

2016 W2 for B1 for XXX to support wages from the business of $35,000.

2.6.19 - Client responded. 2016 Wage Schedule (Federal Worksheet) for XXX  to support wages for B1 from the business of $35k attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 40 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrowers have been current owner of business  for 12.85 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months

0868226232

XXXXXX

CA

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

CRDINC3204

Income Documentation Missing

No

2016 W2 for B1 for  XXX to support wages from the business of $35,000.

2.6.19 - Client responded. 2016 Wage Schedule (Federal Worksheet) for XXX to support wages for B1 from the business of $35k attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 40 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrowers have been current owner of business  for 12.85 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months

0600846530

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

CRDTER3654

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

No

Borrowers both have a work XXX. Exception granted with strong compensating factors of strong RE portfolio, increased earning potential, good debt ratios and demonstrated ability to save.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Total DTI is 23.41% which is below the guideline maximum. CFCFS1747: Housing expense increase is 10% or less - Clayton Comments:  Borrower has less than 10% payment shock from their past rent.

0032021536

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

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 documentation of the value of the RSU Stock used for qualifying income for the primary borrower.

2.6.19 - Client responded. Documentation of the RSU Stock used as qualifying income for the primary borrower attached to include borrower correspondence and underwriting notes / summary of income (2 attachments).

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.60% DTI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  86 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 FICO

0032021536

XXXXXX

CA

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

CMPTRID3730

TRID - Error #2 discovered on Closing Disclosure

No

PC CD XX/XX/XXXX and XX/XX/XXXX  Closing Information Section: File # is missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.60% DTI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  86 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 FICO

0032021536

XXXXXX

CA

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

CMPTRID4352

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

No

PCCD dated XX/XX/XXXX under Closing Information File # is missing.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.60% DTI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  86 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 FICO

0032021536

XXXXXX

CA

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

Satisfied

B

B

B

B

CMPTRID5051

TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD

No

PC CD:XX/XX/XXXX  Other Costs Section F: Homeowner Insurance Amount, Value: $253.28 does not equal the 12mos times Homeowner Insurance Amount Per Month, Value: $ 2,417.88. PC CD XX/XX/XXXX satisfied the issue.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.60% DTI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  86 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 FICO

0032021536

XXXXXX

CA

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

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

1.Missing statement dated within 120 days of note date XX/XX/XXXX for XXXXXX; last statement date is 06/30/2018 and this account is required for funds to close. 2. Missing statement dated within 120 days of note date XX/XX/XXXX for XXX 401K statement; last quarterly statement dated 08/13/2018.

2.06.19 - Client responded. 1- Unable to locate updated statement for XXXXXX.  2- XXX 401(k) quarterly statement 8/13/18 was used in qualifying. Per lender guidelines, up to a 10-day variance is allowed. 2.6.19 - Clayton has reviewed; item 2 is cleared but item 1 remains.

2.6.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.60% DTI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  86 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 FICO

0032021536

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC3204

Income Documentation Missing

No

Missing documentation of the value of the RSU Stock used as qualifying income for the primary borrower.

2.6.19 - Client responded. Documentation of the RSU Stock used as qualifying income for the primary borrower attached to include borrower correspondence and underwriting notes / summary of income (2 attachments).

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.60% DTI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  86 months of mortgage payments made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 FICO

0529492752

XXXXXX

WA

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

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is 720, borrower has a 790 which is 70 points above the guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  No late consumer payments in the past 24 months

0529492752

XXXXXX

WA

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrower is short PCL reserves by 2 months. Lender granted exception for borrower being short 2 months PITI reserves. Approved based on borrowers only short 2 mos. of PITI in PCL. They have great ratios & residual income. Their income has been increasing & great savings history. Transaction  is a purchase of primary residence and is currently renting so occupancy makes sense. 1st time home buyers. Based on compensating factors considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score per guidelines is 720, borrower has a 790 which is 70 points above the guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  No late consumer payments in the past 24 months

0458291284

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 have been on current job for 36.47 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current home for 29.97 years CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 40 years

0241710035

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 31.64%; max allowable 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 745; minimum required 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed on the same job for over 11 years.

0990756548

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 of 65.47 is below guideline requirements of 80.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds guideline requirement of 680

0423714874

XXXXXX

CA

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

Missing a current and legible paystub for the Co-Borrower. Only 2 paystubs provided are legible and they are dated 05.04.18 and 04.20.18.

2.6.19 - Client responded. Paystub for the co-borrower dated 10/19/18 attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793/755 Credit Scores; minimum score required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Reserves:  $164,995.95; 12 months Reserves required ($4,363.73 X 12 = $52,364.76).

0423714874

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

Application

Satisfied

B

A

B

A

CRDAPP130

Application is incomplete

No

Provide a clear copy of the final signed 1003 with completed declaration section.  Downgraded to non-material.

2.3.19 - Client responded. See attached readable unsigned application.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793/755 Credit Scores; minimum score required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Reserves:  $164,995.95; 12 months Reserves required ($4,363.73 X 12 = $52,364.76).

0423714874

XXXXXX

CA

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

CRDINC3204

Income Documentation Missing

No

Missing current and legible paystub for the Co-Borrower. Only 2 paystubs provided are legible and they are dated 05.04.18 and 04.20.18.  Downgraded to non-material.

2.6.19 - Client responded. Paystub for the co-borrower dated 10/19/18 attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793/755 Credit Scores; minimum score required is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Reserves:  $164,995.95; 12 months Reserves required ($4,363.73 X 12 = $52,364.76).

0658942511

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 worked 16 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  796  exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0853275302

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

PCCD dated XX/XX/XXXX corrects finance charge understatement . Exception satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $42,480.96Verified Assets for reserves is $262,824.60

0853275302

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

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

PCCD dated XX/XX/XXXX corrects finance charge understatement . Exception satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $42,480.96Verified Assets for reserves is $262,824.60

0853275302

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

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 XX/XX/XXXX, section b title fees, section F hoi are missing payee name. Revised CD required to include payees in section B and HOI in section F , Revised CD and LOX to borrower.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $42,480.96Verified Assets for reserves is $262,824.60

0853275302

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

PC CD XX/XX/XXXX increased APR 0.193 final CD dated XX/XX/XXXX Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

2.15.19 - Client responded. Disagree:  Consummation Date is XX/XX/XXXX per Notary page of Security Instrument and Page 5 of Consummation CD.   APR disclosed on Consummation CD on XX/XX/XXXX+AH797 is 4.375%.  See attached Notary Page and Page5 of consummation CD.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $42,480.96Verified Assets for reserves is $262,824.60

0853275302

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

B

B

C

B

C

B

A

A

B

B

C

B

Property Valuations

Property

Active

B

B

B

B

PRVAPROP177

Property Issues Indicated

No

Approved exception for condominium not meeting presale requirements is in the loan file based on low LTV and high residual income

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $42,480.96Verified Assets for reserves is $262,824.60

0396640621

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:  $305,292.05 / $4614.45 = 66 month reserves.  Reserves required for the subject are only $4,614.45 x 12 = $55,373.40. CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has 10 years in her current profession.

0673823403

XXXXXX

CO

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.

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

1.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  20 years at current job per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793.  Minimum required is 680.

0999564026

XXXXXX

TN

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:  Co-borrower has bonus income which is not used to qualify. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have 25 years in current profession.

0112395865

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for FEMA Disaster Wildfires on 11/25/18; appraisal dated 11/6/18 prior to FEMA Disaster.

01.23.19 - PDI provided and no damage.

01.23.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI of 26% is lower than the guideline maximum of 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV of 68.88% is less than the guideline maximum of 80%.

0816156408

XXXXXX

FL

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:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 720, borrower has a 783 which is 63 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $100,071.39. Reserves required $3421.39 x 12=$41,056.68.  29.25 months reserves.

0680680320

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

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 Closing Costs financed (paid from you loan amount) value is $14,422.47. Review calculates total to be $14,281.63. Requires COC, or corrected PCCD, LOX and verification of shipping

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 10 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required 680, borrower has a 789 which is 109 points above the guideline requirement.

0322951577

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 profession for 14 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower was in departure residence for over 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  763 qualifying score. Min required per guidelines is 720.

0691481305

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:  Qualifying credit score is 772; minimum required credit score per guidelines is 720. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 36.14%; max allowed DTI per guidelines is 43%.

0512075698

XXXXXX

MA

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

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

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

1.18.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have  Post close reserves in the amount of $88,488.63.  Reserves required $3572.64 x 12 = $42,871.68 CFCFS1744: DTI below guideline requirement - Clayton Comments:  16.17% DTI below max 43% allowed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  812 representative FICO exceeds minimum 700 required.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

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

PCCD XX/XX/XXXX Other Costs section, Field F: HOI Is missing payee

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

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

CD XX/XX/XXXX 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 XX/XX/XXXX, corrected on PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

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

CD XX/XX/XXXX 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 XX/XX/XXXX. Corrected on PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

CD XX/XX/XXXX 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 XX/XX/XXXX. Corrected on PCCD XX/XX/XXXX. Exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

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

CD XX/XX/XXXX 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 XX/XX/XXXX. Corrected on PCCD XX/XX/XXXX. Exception satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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

CD XX/XX/XXXX 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 XX/XX/XXXX. Corrected on PCCD XX/XX/XXXX, Exception Satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

B

B

Credit

Assets

Active

B

B

B

B

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Provide the terms of XXX/XXX retirement accounts.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH149

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

No

Borrower does not have rental history.  Lender approved exception in file based on 34% DTI and high residual income.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

FEMA disaster area, dec date 11/12/18, effective 11/25/18, wild fires, Dec # 4407

2.8.19 - PDI provided and no damage.

2.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0451766898

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

B

B

B

C

B

B

B

C

B

B

B

Property Valuations

Property

Active

B

B

B

B

PRVAPROP177

Property Issues Indicated

No

Presale condo requirement not met, 33.33%. Per lender exception, AQR and NPRES review has been complete and NPRES supports approval for presale requirement of 33.33%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43; current DTI of 35.23% is 7.77% below maximum allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680. Borrower qualifying score of 777 exceeds required score by 97 points.

0964445297

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

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

No

Missing a housing payment history reflecting 0x30x12 as is required per guides.

1.11.19 - Client responded. Customers have no mortgage or rental payment history, live rent-free. Letter of explanation (rent-free letters) attached.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  131,689.14 required for funding and 6 months PITIA required (4640.48*6) = 27,842.88 totaling 159,532.02 in total assets required.  Borrowers verified 315,176.03 in liquid assets leaving 183,486.89 post closing cash reserves and 39.54 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for10.34 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been at current job for 10.34 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI; borrowers have a 27.34% DTI.

0897221660

XXXXXX

NE

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

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

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

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 793 above program requirement 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV  75.806% below program maximum 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 32.17 % below program  maximum  43.00%.

0618438953

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:  Qualifying DTI 35.248% below program maximum 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years job time.

0654384582

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

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

Provide verbal verification of employment as required by guidelines. A verbal verification of employment (VVOE) must be completed within 20 business days prior to the date printed on the note for employment-type income sources, including but not limited to salary, bonus, commission, and overtime.  B1/B2  VVOEs dated 11/1/18.  Note dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 813. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.70%.

0654384582

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Lender approved Exception for -  Employer sponsored down payment assistance loan.  Second from XXX: (Decision EP is approving the tracking request for employer sponsored down payment loan to purchase primary residence SFD, located in XXX, CA obtaining 2nd lien through B1 employer XXXXX $XXXXXX.)   Compensating factors:  Low LTV/CLTV, strong reserves, strong residual income, low DTI, additional assets not being used to qualify.Compensating factors: Low LTV: 33.95%/XX.XX%Strong reserves: $473,200.45Low ratios: 27.70%

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 813. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.70%.

0654384582

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

A

A

C

B

B

B

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No subsequent property inspection completed after FEMA Disaster Declaration #4407 effective date of 11/12/2018, declaration date of 11/25/2018, Wildfires.

1.28.19 - PDI provided and no damage.

1.28.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 813. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.70%.

0641690255

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.

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

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 22.60%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 791.

0937909333

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH148

Credit report stale dated at closing

No

The credit report in the file dated 08/28/18 is more than 120 days prior to Note date of XX/XX/XXXX.

2.14.19 - Client responded. Per lender guidelines, there is a 10-day variance allowed. Credit expiration extension 1/05/19.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-borrower has wage earner income that was not used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 20.95% which is below the guideline maximum.

0657712515

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender exception approved noted for borrower being short one month of  post close liquid reserves on Underwriting Decision Summary; Required reserves $4,743.90*12 mos.=$56,926.80 with only $48,902.75 reserves verified.  Offsets; income likely to increase in future, rental income on investment not being used to qualify, good pattern of savings, good residual income, conservative revolving credit.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years in same line of work. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history on investment property owned reports 31 mos. 0x30 and exceeds guideline requirement of 12 mos. 0x30.

0541292879

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:  $498,399.93in total assets verified. Assets of $287,700.08 are liquid . Final CD reflects required funds to close, $120,431.48 plus $34,000.00 earnest money deposit for total required funds $154,431.48.  No documentation was located in file to verify earnest money cleared borrowers account prior to close. Post close reserves $233,554.61 .  Required reserves $3,048.38*12 mos.=$36,580.56. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 24.90% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 14 years in same line of work.  Borrower 2 has 6 years in same line of work.

0174311076

XXXXXX

NV

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

Loan is not QM due to DTI above 43%. DTI is higher due to difference in rental income calculation. Lender did not calculate the qualifying rental income using 2017/2016 Schedule E for properties XXX and XXX. It appears that the Lender took 75% of the rents received and deducted taxes and insurance.

2.15.19 - Client responded. Lender calculated the qualifying rental income using 2017/2016 Schedule E for properties XXX and XXX. Income Analysis Tool (IAT) for rental income calculations attached (see pages 5-6). 2.15.19 - Clayton has reviewed and a recalculation of rental income reflects DTI under 43%.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $83,186.62. Reserves required $3038.92 x 12=$36467.04. 27.37 months reserves

0174311076

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $83,186.62. Reserves required $3038.92 x 12=$36467.04. 27.37 months reserves

0174311076

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

Loan is not QM due to DTI above 43%. DTI is higher due to difference in rental income calculation. Lender did not calculate the qualifying rental income using 2017/2016 Schedule E for properties XXX and XXX . It appears that the Lender took 75% of the rents received and deducted taxes and insurance.

2.15.19 - Client responded. Lender calculated the qualifying rental income using 2017/2016 Schedule E for properties XXX and XXX . Income Analysis Tool (IAT) for rental income calculations attached (see pages 5-6). 2.15.19 - Clayton has reviewed and a recalculation of rental income reflects DTI under 43%.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $83,186.62. Reserves required $3038.92 x 12=$36467.04. 27.37 months reserves

0662766200

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 reserves of $1,265,878.33 . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  808 representative FICO exceeds minimum 680 required.

0350418081

XXXXXX

MO

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:  803 credit score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years on the job CFCFS1736: Significant time at current residence - Clayton Comments:  8 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $62,460Verified Assets for Reserves $108,291

0262452669

XXXXXX

MA

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 hazard insurance policy to determine final PITI payment on subject loan.

1.7.19 - Client responded. Missing component (hazard insurance) to determine final PITI payment on subject loan attached.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed 70%, loan closed at 52.27% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $50,054.66.  Reserves required $3,395.60 x 12 = $40,747.20

0262452669

XXXXXX

MA

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 XX/XX/XXXX: calculation cash to close screen: Closing costs financed (paid from your loan amount: Final $7315.28 does not match clayton calculation total of $6784.55. Difference is POC items of $530.73.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed 70%, loan closed at 52.27% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $50,054.66.  Reserves required $3,395.60 x 12 = $40,747.20

0262452669

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Application

Satisfied

D

A

D

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Missing third party fraud report

1.8.19 - Drive Report ordered and received and no issues.

1.8.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed 70%, loan closed at 52.27% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $50,054.66.  Reserves required $3,395.60 x 12 = $40,747.20

0262452669

XXXXXX

MA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Missing hazard insurance policy evidencing adequate coverage and the annual premium amount.

1.7.19 - Client responded.  Sufficient insurance. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. 2 attachments.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV allowed 70%, loan closed at 52.27% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $50,054.66.  Reserves required $3,395.60 x 12 = $40,747.20

0651054777

XXXXXX

SC

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

Missing additional verification of employment to evidence no gaps over one month in the past 24 months; VOE provided reflects start date 8/27/18 with no prior employment VOE or prior employment pay stub with end date to reflect no gap over one month prior to current employment.

1.15.19 - Client responded. XXX bank statement 8/16/18 - 9/18/18 reflects 2 direct deposits from XXX 8/17 and 8/31 to support and document no gaps over one month prior to current employment - attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required 720, borrower has a 799 which is 79 points above the guideline requirement. CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $280,656.45. Reserves required $4179.11 x 12=$50,149.32. 67.16 months reserves.

0651054777

XXXXXX

SC

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

CRDINC2340

Employment verification does not meet guidelines

No

Missing additional verification of employment to evidence no gaps over one month in the past 24 months; VOE provided reflects start date 8/27/18 with no prior employment VOE or prior employment pay stub with end date to reflect no gap over one month prior to current employment. Downgraded to non-material.

1.15.19 - Client responded.XXX  bank statement 8/16/18 - 9/18/18 reflects 2 direct deposits from XXX 8/17 and 8/31 to support and document no gaps over one month prior to current employment - attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required 720, borrower has a 799 which is 79 points above the guideline requirement. CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $280,656.45. Reserves required $4179.11 x 12=$50,149.32. 67.16 months reserves.

0744341268

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 35.91%; max allowable per guideline 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 795 is 115 points above the minimum required score of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $156,466.46;  Reserves required $3,249.24 x 12 = $38,990.88.

0647053277

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 XX/XX/XXXX Other Costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized. Please provide a revised CD that itemizes the recording fees in section e. please provide revised CD and LOX to borrower.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 795, which is 75 points higher than the guideline requirement of 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $170,125.25 in post-closing reserves, which is $94,917.53 more than the guideline required amount of $75,207.72, or 27 months in reserves of subject PITIA.

0162114164

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 profession for 35 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 35 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage history.

0258077864

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

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

Master policy flood insurance inadequate per guidelines. Lender approved exception based on low DTI of 34.54, and low LTV of 50.25%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 0 late mortgage payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 21 years.

0745911260

XXXXXX

MA

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 CD from sale of property located at XXX to confirm net proceeds in the amount of $284,381.55 and that XXX and XXX is paid and closed. Or provide documentation of PITIA of departing residence to include in ratios.

2.6.19 - Client responded. Providing PITI docs for departure residence. 2.6.19 - Clayton has reviewed. Net proceeds removed from assets and we are good with cash to close and reserves. Added PITI payment into debt and DTI increases from approved 22.28 to 33.12 and within guidelines.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.91 is below guideline requirements of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 797 exceeds guidelines of 680.

0745911260

XXXXXX

MA

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

Missing CD from sale of property located at XXX to confirm net proceeds in the amount of $284,381.55 and that XXX and XXX is paid and closed. Or provide documentation of PITIA of departing residence to include in ratios.

2.6.19 - Client responded. Providing PITI docs for departure residence. 2.6.19 - Clayton has reviewed. Net proceeds removed from assets and we are good with cash to close and reserves. Added PITI payment into debt and DTI increases from approved 22.28 to 33.12 and within guidelines.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.91 is below guideline requirements of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 797 exceeds guidelines of 680.

0327869426

XXXXXX

CA

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

CRDCRMH193

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

No

Verification of rental history for subject property does not meet guideline requirements. Guidelines require rental history to be verified for most recent 12 mos. by cancelled checks, bank statements showing the payment, money order receipt or paid receipts.  Rent history provided is just a summary of payments made.  Provide additional documentation as required by guideline to verify 0x30 rental history for most recent 12 mos.   (Verification of rental (VOR) payment history pg. 187)

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 777 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 25.415% is below program maximum 43.00%.

0327869426

XXXXXX

CA

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 repairs.  Appraiser indicates missing piece of exterior overhang and repair of the rear deck/balcony.  Final CD reflects escrow hold back of $22,890.00 however appraiser does not include estimate of repair and no additional documentation located in file to verify the cost to validate if the amount held back meets guideline requirement of  1.2 times the estimated cost to repair.  Additionally the escrow hold back does not fit guidelines requirement.  Escrow hold backs only allowed with items do not affect the safety, livability, soundness or structural integrity of the property.   Appraiser comments the deck/balcony off the master bedroom poses a health and safety issue.  No Final Inspection, certificate of completion and evidence escrow funds released is not included in file.

2.3.19 - Client responded. Certificate of completion (1004D/Final Inspection) attached.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 777 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 25.415% is below program maximum 43.00%.

0327869426

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP177

Property Issues Indicated

No

Appraisal is subject to repairs.  Appraiser indicates missing piece of exterior overhang and repair of the rear deck/balcony.  Escrow hold back does not fit guidelines requirement.  Escrow hold backs only allowed with items do not affect the safety, livability, soundness or structural integrity of the property.   Appraiser comments the deck/balcony off the master bedroom poses a health and safety issue.

2.3.19 - Client responded. Certificate of completion (1004D/Final Inspection) attached.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 777 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 25.415% is below program maximum 43.00%.

0362657126

XXXXXX

NY

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final  CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 4155.76  actual calculation 3360.76 closing costs 4155.76 - POC 795 = 3360.76

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years & 3 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds minimum of 680.

0362657126

XXXXXX

NY

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

Final CD XX/XX/XXXX Other Costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years & 3 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds minimum of 680.

0362657126

XXXXXX

NY

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

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

Lender approved an exception to exceed the LTV maximum of 70% by  2.95% to 72.95% as borrower is purchasing the co-op unit adjacent to her current unit. Compensating factors warranted the exception for LTV and the cash back exceeding $400,000 to $442,872.46. Exception approval in file on page 148.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years & 3 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds minimum of 680.

0362657126

XXXXXX

NY

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 amount of $442,872.46 exceeds guideline maximum of $400,000.00.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in her profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years & 3 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds minimum of 680.

0982108453

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:  Cash reserves of $125,322.83 exceed guideline minimum requirements. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 48.82% below maximum guideline requirements. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 787 exceeds guideline minimum requirements.

0827858847

XXXXXX

VA

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 owned their current residence for22 yrs & 4 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 40 years in his profession. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 23 yrs 3 months at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower is just shy of 12 years on her current job.

0248148686

XXXXXX

MA

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

Missing XXX account activity from 10/3 - 11/8 verifying funds were used for cash to close. Lender used account balance of $149,008.35 from 10/3 activity statement. Most recent XXX statement in file prior to closing reflects a balance of $39,715.34; which would cause the loan to be short funds to close.

1.24.19 - Client responded. Asset verification in file for XXX with account balance of $149,008.35 from activity statement 7/23/18 - 10/3/18 was sufficient. Account balance of $39,715.34 from XXX statement was from 2017 (11/9/17 - 12/8/2017) used to satisfy VOR requirement.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  21.82% DTI below max 43% allowed..

0718816932

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

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 the XXX for 2 of the 3 co-borrowers, XXX.

2.11.19 - XXX provided.

2.11.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower 1 has 25 years in her profession & Co-Borrower 4 has 8 years in her line of work. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower 1  has 7.41 years on her current job.  Co-Borrower 3 had 14yrs with XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 819 exceeds guidelines minimum score of 680 by 139 points.

0718816932

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

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

Max LTV on a 2nd home is 75%. Exception made to 80% per exception approval dated XX/XX/XXXX. Borrower 1 will actually be living in the subject as her primary. Compensating factors include ability to save, good credit depth, and additional income not used to qualify. Based on compensating factors considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower 1 has 25 years in her profession & Co-Borrower 4 has 8 years in her line of work. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower 1  has 7.41 years on her current job.  Co-Borrower 3 had 14yrs with XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 819 exceeds guidelines minimum score of 680 by 139 points.

0224455048

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Per Lender's UDS (pg 139), UW is used discretion asking not to show the proof of liquidation of XXX investment account to meet PCL. Clayton has reviewed and considers non-material based on compensating factors of loan.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 64.44% below maximum guideline of 80%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has documented income however not included in qualifying.

0224455048

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

Lender granted exception on loan. Borrower only has 1 revolving account. Compensating factors:  LTV 64.44%.  Max 80%. Credit score 807. Min 680. Clayton deems non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 64.44% below maximum guideline of 80%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 1 has documented income however not included in qualifying.

0349497584

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:  Minimum score allowed 720, borrower qualifying score is 793 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at same employer 9 years

0331088965

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 747 is 27 points above the minimum required score of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.04%; max allowable per guidelines is 43%.

0239511495

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 of 809 exceeds guideline requirement of 720 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co Borrower has been with current employer for 7.22 months stable employment history

0660439763

XXXXXX

CO

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

1. Provide a two year employment history for Borr 1; borrower has only been on the job since 11/2017. Document the prior employment with either a VVOE or WVOE from the prior employer. 2. Provide a two year employment history for Borr 2; borrower has only been on the job since 02/06/2018. Document the prior employment with either a VVOE or WVOE from the prior employer.

1.14.19 - Client responded. 1- No prior VOE from XXX was required. Loan Application reflects dates of previous employment for B1 at XXX from 11/15/15 - 10/30/17. Hire date at XXX (XXX) was 11/06/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. B1 has been in the same profession over 28 years and changed jobs to advance in the same line of work.  2- No prior VOE from XXX was required. Loan Application reflects dates of previous employment for B2 at XXX from 9/15/15 - 12/15/17. Hire date at XXX 2/06/18. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and LOX for employment gap attached. B2 has been in the same profession over 3 years and changed jobs to advance in the same line of work.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  79 months of mortgage payments made as agreed. CFCFS1736: Significant time at current residence - Clayton Comments:  15 years in their current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 817; minimum score is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining post-closing reserves $511,837.03 = 166 months primary residence & subject 2nd home purchase PITIA.

0660439763

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

1. Provide a two year employment history for Borr 1; borrower has only been on the job since 11/2017. Document the prior employment with either a VVOE or WVOE from the prior employer. To validate no gaps in employment over 1 month.2. Provide a two year employment history for Borr 2; borrower has only been on the job since 02/06/2018. Document the prior employment with either a VVOE or WVOE from the prior employer. To validate no gaps in employment over 1 month.

1.14.19 - Client responded. 1- No prior VOE from XXX was required. Loan Application reflects dates of previous employment for B1 at XXX from 11/15/15 - 10/30/17. Hire date at XXX(XXX) was 11/06/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. B1 has been in the same profession over 28 years and changed jobs to advance in the same line of work.  2- No prior VOE from XXX was required. Loan Application reflects dates of previous employment for B2 at XXX from 9/15/15 - 12/15/17. Hire date at XXX 2/06/18. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and LOX for employment gap attached. B2 has been in the same profession over 3 years and changed jobs to advance in the same line of work.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  79 months of mortgage payments made as agreed. CFCFS1736: Significant time at current residence - Clayton Comments:  15 years in their current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 817; minimum score is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining post-closing reserves $511,837.03 = 166 months primary residence & subject 2nd home purchase PITIA.

0660439763

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

D

A

D

A

D

A

D

A

D

A

Property Valuations

Property

Satisfied

D

A

D

A

PRVAPROP132

Missing HOA Certificate/Questionnaire

No

Lender UW Notes reflect that the Condo was NPRES approved; provide documentation to verify the approval.Loan does not meet the Streamline Condo Review process due to the subject is a 2nd home over 75% LTV.

1.14.19 - Client responded. This was not a Streamline Condo Review. Please see attached HOA documents and final UW Transmittal summary. This meets the guidelines.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  79 months of mortgage payments made as agreed. CFCFS1736: Significant time at current residence - Clayton Comments:  15 years in their current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 817; minimum score is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining post-closing reserves $511,837.03 = 166 months primary residence & subject 2nd home purchase PITIA.

0980758606

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:  Borrower has worked 20 years in her profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  782 exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0738813093

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:  B2 have been on current job for 16.51 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been in the same profession for 16 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 720, borrower has a 780 which is 60 points above the guideline requirement.

0322157273

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:  No late mortgage payments in the past 24 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 13.47 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current home for 18.22 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $590,264.46. Reserves required $4224.07 x 12=$50,688.84.

0727839598

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

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

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.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score is 798. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  First lien on primary residence mortgage history 45 mos. 0x30 exceeds guideline requirement 12 mos. 0x30.

0727839598

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

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

Final CD XX/XX/XXXX off by $695 of the appraisal fee.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score is 798. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  First lien on primary residence mortgage history 45 mos. 0x30 exceeds guideline requirement 12 mos. 0x30.

0727839598

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

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

XXX  searches provided for Verbal Verifications of XXX are located in file however do not reflect a date the searches were obtained.  Reviewer unable to determine if the searches were pulled in the 30 calendar days allowed by guidelines. (Verbal verification of employment (VVOE) XXX)

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score is 798. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  First lien on primary residence mortgage history 45 mos. 0x30 exceeds guideline requirement 12 mos. 0x30.

0727839598

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Missing evidence of subject hazard insurance was not located in file.  Provide copy of hazard policy for review.

2.3.19 - Client responded. This was a XXX refinance and the Hazard Policy information is located in the PDF on page 1506. It is located under Screenshots in the PDF. Since originally delivered, we will not be resending.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score is 798. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  First lien on primary residence mortgage history 45 mos. 0x30 exceeds guideline requirement 12 mos. 0x30.

0706586537

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.

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

1.16.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 32.29%; max allowable per guidelines 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 782; minimum required score 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked for the same employer for over 12 years.

0336271282

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

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:  Borrower has resided in their  Current  Residence for 13.14 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  751  exceeded the guideline requirement of  680  by  71  points.

0336271282

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

PCCD  dated XX/XX/XXXX has a stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $11,490.08, amount should be $12012.51. Difference is POC's of $522.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in their  Current  Residence for 13.14 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  751  exceeded the guideline requirement of  680  by  71  points.

0336271282

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

Refers to all CD's: Loan Costs, Field: Is the Loan Costs Details section properly formatted Title fees that were shoppable by the borrower appear in Section B which indicates fees were not shopped. The provider used doesn't appear on the SPL provided by the lender. Please provide a corrected PC-CD.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in their  Current  Residence for 13.14 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  751  exceeded the guideline requirement of  680  by  71  points.

0336271282

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

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

Exception Approval for Multiple financed properties is over 4. Lender Compensating factors:  Subject LTV is below 80% - (40.94%), Borrower worked in profession for 20 years.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in their  Current  Residence for 13.14 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 20 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  751  exceeded the guideline requirement of  680  by  71  points.

0222239687

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:  21.62% DTI below max 43% allowed

0834479348

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

Assets

Active

B

B

B

B

CRDAST3036

Assets reflect unsourced deposits

No

Missing evidence of the source of large deposits for $60K on 11/19/18 and $38,533.85 on 11/23/18 into the XXX account statement dated 11/30/18, as those funds are required to close the transaction and individually are more than 50% of the borrower's monthly qualifying income per Non-Agency UW Guidelines pg. 169. Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 22 years in same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 777 above program requirement 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 38.007% below program maximum 43.00%.

0504641170

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

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 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 11386.10CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 10691.10. Difference is POC of $695.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 232.95 months cash reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21%. Max DTI for this program is 43%.

0411874888

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

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrowers are short liquid reserves by 3 months. Lender approved exception in file based on low DTI, and history of savings.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 10.52 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  245,294.84  post closing cash reserves; 67.73 months PITIA.    12 months PITIA required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI; borrowers have a 23.70% DTI.

0199378872

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:  790 qualifying score. Min required per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 6 years

0422240270

XXXXXX

WA

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:  No late mortgage payments in the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $81916.65. Reserves required $3369.72 x 12=$40436.64. 24.31 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score 720, borrower has a 775 which is 55 points above the guideline requirement.

0644991807

XXXXXX

GA

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 profession for 23 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $157,212.75, 41.79 months,  exceed the required minimum guidelines.

0367669530

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:  Borrower with same employer for 14 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CoBorrower with same employer for 16 years

0290415222

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:  43% max back end DTI; borrowers have a 32.14% guidelines. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 25 years and Co-borrower for 12 years.

0876999017

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

Compliance Manual

Active

B

B

B

B

CMPMAN2992

1003 - Initial Application is not Accurate

No

Missing initial application within 3 business days of initial LE dated XX/XX/XXXX; earliest application in file is dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score is 815 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $3,044,655.45 in total assets documented.  Effective amount is $2,452,041.77, with liquid assets of $396,219.23. Post close reserves are $2,293,979.96. Reserves required for subject $6,374.05 x 18 = $114,732.90. Reserves all other mtgs, $26,028.79 x 36 = $937,036.44.

0876999017

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

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

$79.10 ten percent tolerance due to increase in recording fee from $319.00 to $430.00. Change of circumstance master list disclosed recording miscellaneous. Reason for increase is insufficient without supporting documentation.Requires CoC, or corrected PCCD, copy of refund check, LOX and copy of shipping.

2.6.19 - Client responded. "Agree, but ** See attached Refund Check, PC CD**2.6.19 - Clayton has reviewed; Corrected PCCD, Refund letter to borrower and copy of check for $79.10 provided to cure issue.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score is 815 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $3,044,655.45 in total assets documented.  Effective amount is $2,452,041.77, with liquid assets of $396,219.23. Post close reserves are $2,293,979.96. Reserves required for subject $6,374.05 x 18 = $114,732.90. Reserves all other mtgs, $26,028.79 x 36 = $937,036.44.

0876999017

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

Approved Exception in file for greater than 4 financed properties owned. (see pg 190 of loan file); Offsets: Overall strong Borrower profile, good equity position in properties owned, 10th property to beowned with 7 financed and 3 free/ clear. Strong reserves and strong ability to save assets PCL exceeds50% of loan amount and exceeds standards by 252 months with additional assets held in RET accountsnot used in qualifying. Strong PCL after closing Borrower could purchase home without financing. Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score is 815 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $3,044,655.45 in total assets documented.  Effective amount is $2,452,041.77, with liquid assets of $396,219.23. Post close reserves are $2,293,979.96. Reserves required for subject $6,374.05 x 18 = $114,732.90. Reserves all other mtgs, $26,028.79 x 36 = $937,036.44.

0558018328

XXXXXX

OR

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:  15 Years with the same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799/782. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  124 months or mortgage payments made to XXX as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $1,955,687.36 - 162 PITI payments for all 3 properties combined.

0962497752

XXXXXX

NY

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

PCCD XX/XX/XXXX Other Costs section, Field F: HOI and Section H: Owners title insurance is missing payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for over 18 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower #2 has been a XXX for over 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 17.87%; max allowed DTI per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No public record findings.

0962497752

XXXXXX

NY

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

CRDAST205

Insufficient Funds to Close

No

Missing evidence of an additional $77,952.40 liquid funds required to close; $229,290.26 required to close (includes EMD not verified as clearing an account) with only $151,337.86 in liquid funds verified.  Underwriting Decision Summary reflects liquidation of retirement is required and UW Decision status date is XX/XX/XXXX.  A separate lender exception was fired on XX/XX/XXXX (pg. 1756) stating Customer does not want to liquidate retirement account and will use $50,383 from productivity payout/bonus received on 9/28/18 (accounted for in assets used) causing the PCL reserves to be short over one month.  However, the loan is still short to close considering this.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for over 18 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower #2 has been a XXX for over 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 17.87%; max allowed DTI per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No public record findings.

0962497752

XXXXXX

NY

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

CRDLTV3026

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

No

Lender exception noted on Underwriting Decision Summary for 5% LTV exception; 80% LTV exceeds the 75% LTV max for a cash out refi with credit score under 720. Offsets: Willingness to repay the subject mortgage supported by all debt has been paid in full w/out allowing it to go into serious delinquency, stable employment, additional productivity pay for B1, low DTI of 17.87%, high residual income, decreased housing expense.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for over 18 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower #2 has been a XXX for over 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 17.87%; max allowed DTI per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No public record findings.

0089478358

XXXXXX

MT

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

Per documentation requirements, VOD or two most recent months bank statements required. Missing consecutive statement for XXX #XXX.

1.14.19 - Client responded.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same job/profession for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 816 exceeds guidelines of 680.

0748507644

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 the current Employer for 5.45 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 799 exceed g/l min of 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has an excellent credit history with no derogatory or adverse history.  All trade lines are paid as agreed in the last 24+ months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  16.99% DTI

0707617403

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 is 791; minimum required credit score per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 32.87%; max allowed DTI per guidelines is 43%. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No public record findings. No derogatory credit.

0395020656

XXXXXX

NE

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 788 exceeds guideline requirement of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 4 years 4 months stable employment history

0616746858

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 23.89%; max allowable is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $238,071.84 or 79.21 months PITI reserves; per guidelines, 18 months PITI is required. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been employed in the same profession for 25 years.

0342173134

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 at current job for 24.99 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been at current job for 15.65 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  261,886.41 post closing cash reserves; 53.94 months PITIA subject property or 45.18  months PITIA all properties.  12 months PITIA required.

0599525784

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

CRDCRMH193

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

No

Borrower has no rental history. Lender approved exception for No Mortgage / Rental Payment History.Lender Compensating Factors:  No derogatory credit, 15 Years Employment History, Credit Score 723

(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. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 15 years in his profession.

0030777780

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

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 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8532.14CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 7837.14. Difference is POC fees of $695.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for seven and 10 years respectively. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been at current job for 10 years.

0030777780

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

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: Disclosed Closing Costs financed (paid from your loan amount) as a negative value. Value should be positive.Requires corrected PCCD, LOX and copy of shipping.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower and co-borrower have been in profession for seven and 10 years respectively. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been at current job for 10 years.

0959719989

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 11 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 67.71% is 12.29% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 808 is 128 points higher than required 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 21.52%  is  below max of 45%.

0553140288

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  supporting documentation evidencing full PITIA for departing residence on XXX.  HOA monthly maintenance obligation missing as reflected on 1003.

2.12.19 - Client responded. Invoice for September 2018 maintenance fee from XXX attached; monthly fee for unit (XX) is $624.58.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  764 representative FICO exceeds minimum 720 required.

0553140288

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

Assets

Active

C

B

C

B

CRDAST205

Insufficient Funds to Close

No

Missing an additional $122,406.47 in liquid funds required to close; $154,485.36 required to close (includes $67,500 EMD not verified as clearing an account) and only $32,078.89 verified in liquid funds.  The Underwriting Decision Summary does not justify in writing the judgment to call the investment/stock account liquid as is required per guides pg. 165.

2.12.19 - Client responded. Per non agency guidelines, underwriters may use judgment to waive evidence of liquidation of stock.  Underwriter waived stipulation for liquidation of XXX stock on 11-01-2018;  compensating factors noted include high residual income, no rental income (departure residence) used to qualify, documented savings pattern.2.12.19 - Clayton has reviewed and considers based on compensating factors non-material.

2.12.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  764 representative FICO exceeds minimum 720 required.

0553140288

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  supporting documentation evidencing full PITIA for departing residence on XXX.  HOA monthly maintenance obligation missing as reflected on 1003.

2.12.19 - Client responded. Invoice for September 2018 maintenance fee from XXX attached; monthly fee for unit XX is $624.58.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  764 representative FICO exceeds minimum 720 required.

0553140288

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

Terms/Guidelines

Active

B

B

B

B

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

Lender exception approved for flip transaction (last sold XX/XX/XXXX) where property is in the name of an LLC with one individual as XXX.  Offsets: Strong mo. residual income, excellent mtg repayment history with XXXX, demonstraded savings pattern, minimal use of revolving debt, low DTI 21.32%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  764 representative FICO exceeds minimum 720 required.

0108647604

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Required Affiliate Business Disclosure is missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 680, borrower has a 760 which exceeds the guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  No late consumer debt in the past 24 months

0108647604

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

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 Closing Costs financed (paid from you loan amount) value is $19,919.87. Review calculates total to be $15,776.44. The difference of 4143.43 is due to the POC being a positive value.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 680, borrower has a 760 which exceeds the guideline requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  No late consumer debt in the past 24 months

0895244221

XXXXXX

AZ

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

Missing documentation to verify ownership of the XXX XXX account; there are  multiple large transfers into the XXX account from the XXX account. Transaction history from XXX does not show account owner.

1.30.19 - Client responded. Asset verification was not required for this account. XXX account XXX not used in decisioning.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  31 years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $1,748,483.30 = 427 months of PITI.

0324142333

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing required Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 742 exceeds guideline requirement of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 14 years stable employment history

0324142333

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

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

The Written List of Providers was dated 12/05/2018; however, the initial loan application date was XXX. Therefore, the disclosure was not provided in the timely manner.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 742 exceeds guideline requirement of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 14 years stable employment history

0324142333

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $2,295.79. Review calculates total to be $1,685.36. Difference is POC's of $610.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 742 exceeds guideline requirement of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 14 years stable employment history

0324142333

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

CRDINC3204

Income Documentation Missing

No

Lender used indirect income to qualify. B2 wages were classified as indirect pay. Lender approved exception based on residual income, additional income not used in qualifying and low LTV.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 742 exceeds guideline requirement of 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 14 years stable employment history

0990196734

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

D

A

D

B

D

A

B

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 verification of all property expenses for XXX and XXX : Verified $606.81 in monthly  taxes and insurance for XXX; Final 1003 schedule of REO reflects a monthly payment of $907.31 which is a $300.50 difference. Provide documentation to support the $300.50 month expense.Verified $183.08 month taxes and insurance for XXX; schedule of REO reflects a monthly payment of $1,009.71 which is a $826.63 difference. Provide documentation to support the $826.63 month expense..

2.12.19 - Client responded. "XXX monthly expenses total $907.31 (town taxes $300.50, school taxes $509.64, insurance $97.17).  $300.50 difference equals town taxes (town and school taxes are billed separately).XXX monthly expenses total $1009.70 (taxes $126.42, insurance $56.67, HOA $826.61). $826.63 difference is the amount of HOA fees. Additional town tax bill and HOA statement attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 19 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer over 28 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided the existing primary residence for over 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are $764,142.17 ( $414,586.93 retirement). 12 months PITIA reserves $9,980.57 x 12 = $119,766.84 required for the subject transaction. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 50.00%.

0990196734

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

D

A

D

B

D

A

B

B

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 all property expenses for XXX and XXXVerified $606.81 in monthly  taxes and insurance for XXX; Final 1003 schedule of REO reflects a monthly payment of $907.31 which is a $300.50 difference. Provide documentation to support the $300.50 month expense.Verified $183.08 month taxes and insurance for XXX; schedule of REO reflects a monthly payment of $1,009.71 which is a $826.63 difference. Provide documentation to support the $826.63 month expense.

2.12.19 - Client responded. "XXX monthly expenses total $907.31 (town taxes $300.50, school taxes $509.64, insurance $97.17).  $300.50 difference equals town taxes (town and school taxes are billed separately).XXX monthly expenses total $1009.70 (taxes $126.42, insurance $56.67, HOA $826.61). $826.63 difference is the amount of HOA fees. Additional town tax bill and HOA statement attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 19 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer over 28 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided the existing primary residence for over 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are $764,142.17 ( $414,586.93 retirement). 12 months PITIA reserves $9,980.57 x 12 = $119,766.84 required for the subject transaction. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 50.00%.

0990196734

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

B

B

D

A

D

B

D

A

B

B

D

A

Property Valuations

Appraisal

Active

B

B

B

B

PRVAAPPR169

Appraisal includes one or more issue(s)

No

Investor concentration greater than 50%. Condo project does not meet investor concentration requirements. Lender exception approval in fie based on low ratios and good equity in other properties.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer over 19 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower employed with current employer over 28 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided the existing primary residence for over 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are $764,142.17 ( $414,586.93 retirement). 12 months PITIA reserves $9,980.57 x 12 = $119,766.84 required for the subject transaction. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 50.00%.

0387342804

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:  Representative credit score 780. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.28%. Max DTI for this program is 43%.

0735667812

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

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Missing housing payment/rent verification for departing residence to confirm a complete 0x30x12 requirement per guides.

2.15.19 - Client responded. Credit report attached to reference VOM (XXX) from 2/2014 - 7/2018 paid as agreed, now paid in full. Borrower sold this property and moved in with family rent-free prior to purchase of new home - borrower LOX attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  804  exceeded the guideline requirement of  680  by  124  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  After Closing Reserves required $3,879.75 x 12 = $46,557.00. Borrower  has Remaining $128,864.57 in  reserves.

0360624632

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

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

The re-disclosure reason appears to be due to the interest rate lock; however, there is no lock agreement with a corresponding date found in the file. Please provide a COC.

2.15.19 - Client responded. Disagree: Interest rate was locked on XX/XX/XXXX and Rate Lock Agreement issued on  XX/XX/XXXX, within 3 business days of rate lock event, eDelivery confirmed.  See attached Rate Lock Agreement.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  The total DTI is 33.73% which is below the guideline maximum. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in current profession.

0780130885

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

B

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 XX/XX/XXXX. The stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $11,941.97, amount should be $11,436.54 accounting for funds pre-paid by borrower of $505.43.Please provide a revised CD that does not include POC funds of 505.43 in the closing costs financed. revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.11% DTI below max 43% allowed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 representative FICO exceeds minimum 720 required.

0780130885

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

B

B

B

A

A

A

B

B

B

B

B

A

A

A

B

B

Credit

Terms/Guidelines

Satisfied

B

A

B

A

CRDTER109

Cash Out Amount Exceeds Guidelines

No

$738,563.46 cash out exceeds max $500,000 allowed per g/l.

1.31.19 - Client responded. Maximum cash-out per PMB credit policy (program) for a primary residence greater than 65% LTV is $800k for loans up to $3 million.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.11% DTI below max 43% allowed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 representative FICO exceeds minimum 720 required.

0016554138

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

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

PCCD XX/XX/XXXX exceed allowable APR tolerance threshold. APR increased to 4.694% from 4.305% on final CD.

1.30.19 - Client responded. Disagree:  CDs with APR 4.694% are preliminary CDs.  Issue date populated incorrectly.  Document date is in the footer.  See attached for example.   Final APR is 4.305%.  No violation for reduction in APR from 4.694% to 4.305%.1.30.19 - Clayton has reviewed and validated CD's are preliminary.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.42% is 11.58% below program maximum of 45.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $51,502.87.  Required reserves $3,464.18*12 mos.=$41,570.16.

0016554138

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

CMPTRID4381

TRID - CD: CD does not reflect the terms of the legal obligation or is not a in good faith based on best info available

No

PCCD XX/XX/XXXX interest rate increased to 4.625%, monthly P&I increased to $2,673.53. Note terms disclosed interest as 4.250% and Monthly P&I as $2,558.09.Please provide clarification as to whether or not PCCDs XX/XX/XXXX  were delivered to the borrower. If delivered to the borrower, a corrected Note, Mortgage and applicable documents will be required.

1.30.19 - Client responded. Disagree:  CDs with APR 4.694% are preliminary CDs.  Issue date populated incorrectly. Final APR is 4.305%.  No violation for reduction in APR from 4.694% to 4.305%. Final CD interest rate 4.25% matches the Note. See attached.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.42% is 11.58% below program maximum of 45.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $51,502.87.  Required reserves $3,464.18*12 mos.=$41,570.16.

0016554138

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

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

No

Missing Verification of rent for most recent 12 mos. verify 0x30 pay history required by guidelines. (Housing payment history, page 74)

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 20 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 33.42% is 11.58% below program maximum of 45.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $51,502.87.  Required reserves $3,464.18*12 mos.=$41,570.16.

0163873482

XXXXXX

AK

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 executed signature page for 2016 and 2017 1040's, XXX 1065's and 2017 executed signature page for XXX 1120s to meet QM status as declared by the lender.

1.30.19 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for six years.

0163873482

XXXXXX

AK

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

The required affiliated business disclosure is missing from the loan file. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for six years.

0163873482

XXXXXX

AK

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

Missing executed signature page for 2016 and 2017 1040's, XXX 1065's and 2017 executed signature page for XXX 1120s.

1.30.19 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the CPA or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mortgage payment history. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for six years.

0455528221

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's approved exception/tracking (pg 305) No Housing History for Occupant Borrowers.  Comp Factors:- Fixed Rate product - LTV/CLTV of XX.XX% vs.80% max - Mother, and non-occupant has long term home ownership of 29 years.- Mother's income is not needed to qualify- 100% Equity in XXX and 84% equity in Mother's primary residence. - Low revolving debt for all- Residual income: $11,914 vs. Min Residual requirement: $4500 - 74 months combined PCL - Borrowers all have a XXX banking relationshipConsidered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 804. The minimum credit score required for the subject transaction is 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 28.32%. Maximum DTI allowed for the subject transaction is 45.00%

0957271457

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 1 has 8 years 8 months in same line of work.  Borrower 2 has 10 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 768 above program requirement 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 68.392% below program maximum 80.00%.

0632865476

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:  Borrower has been with the current Employer for 6.41 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 0x30x64 mortgage payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 qual score. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.21% DTI. CFCFS2860: Good credit history - Clayton Comments:  Credit report reflects all accounts paid as agreed.

0265571337

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:  $107,413.18 post closing cash reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has a 31.88% DTI.

0990616234

XXXXXX

MA

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 60.00%. Max LTV for this program is 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 816. Minimum credit score for this program is 720.

0646187767

XXXXXX

NJ

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender made an exception for being short nine months liquid post-closing reserves.  Exception was mitigated by the borrowers having substantial assets in retirement, 529, and XXX accounts, and strong equity in their cpr.

1.30.19 - Client responded. LVAM approved exception - Reserve requirements / Post Close Liquidity (PCL) requirement. Exception approved under the PCO delegated authority. 1.30.19 - Clayton has reviewed and considered non-material based on compensating factors of low DTI of 26.12% and time on job of over 30 years.

1.30.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in primary residence for 17 years. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in their professions for over 30 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is 26.12%, which is 16.88% less than guideline max of 43.00%.

0039932047

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

B

D

B

B

B

C

B

D

B

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC155

Application Missing

No

Note reflects third borrower, XXX, Trustee of the XXX revocable Trust. File missing application for third borrower.

2.6.19 - Client responded. There is no third borrower . All trustees have to sign the note and the security instrument. See attached Title policy XXX is trustee of the trust but is not on the loan. The trust documents are in the pdf pages 494-507 and 1171-1241.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 42 years same  line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 58.00% below program maximum 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 7 years 1 month at subject residence.

0039932047

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

B

D

B

B

B

C

B

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: XX/XX/XXXX: Section Calculating cash to close; CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 29681.84. CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 28986.84. Difference is $695.00 POC amount paid out of Closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 42 years same  line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 58.00% below program maximum 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 7 years 1 month at subject residence.

0039932047

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

B

D

B

B

B

C

B

D

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Final CD reflects cash out of $597,745.59.  Approved exception in file for cash out refinance on subject primary residence to purchase condo 2.9 miles from subject. Customer intends to use condo as second residence until future date of retirement where home will be intended as primary residence. Cash out reflected on Final CD as $597,745.59 exceeds program maximum $500,000.00 (Guideline pg. 338) Compensating factors:  Borrower is a XXXXXX with 42 years same line of work, income is stable  and likely to continue, has history of maintaining multiple properties, has $1,150,000 in REO owned F&C of liens, strong residual income, adequate assets to support payment and ability to repay, customer an existing client with an overall strong profile.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 42 years same  line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 58.00% below program maximum 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 7 years 1 month at subject residence.

0039932047

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

C

A

D

B

D

B

B

B

C

B

D

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

A desk review was received with a reported value of $XXXXXX which is a variance of XXXX% less than the original appraised value of $XXXXXX.  A field review has been ordered.

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

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 42 years same  line of work. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 58.00% below program maximum 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have 7 years 1 month at subject residence.

0633170223

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 credit score of 783. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceeding required by 80k.

0320038313

XXXXXX

OK

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

Missing explanation from employer for co borrower income, paystub shows a high salary, compared to the pay rate on stub. also needed explanation: The co borrower will need to provide a letter from the XXX confirming her transfer to Oklahoma w/the same pay and position.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, DTI  currently 22.90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed 720, borrower qualifying score is 805

0315259472

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

1) Missing YTD P&L statement for B1's Schedule C business.2) Missing YTD balance sheet for B1's Schedule C business.3. Provide complete 2017 tax returns with all schedules including Schedule C and 2016 complete tax returns all schedules. File only contains first 2 pages of tax returns.

2.15.19 - Client responded. 1- YTD P&L statement for B1's Schedule C business was not required.  2- YTD balance sheet for B1's Schedule C business was not required.  3- Complete 2016 and 2017 tax returns were not required. Borrower sold the agency (business) XX/XX/XXXX for $XXXXXXXX. Transaction history attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has ben on current job for 19.93 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been on the same profession for 20 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the current residence for 13.41 years

0315259472

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

CRDINC2408

Income verification does not meet guidelines

No

Provide complete 2017 tax returns with all schedules including Schedule C and 2016 complete tax returns all schedules. File only contains first 2 pages of tax returns.

2.15.19 - Client responded. Complete 2016 and 2017 tax returns were not required.  Borrower sold the agency (business) XX/XX/XXXX for $XXXXXXXX. Transaction history attached.

2.15.19 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has ben on current job for 19.93 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been on the same profession for 20 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the current residence for 13.41 years

0315259472

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

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Missing YTD P&L statement for B1's Schedule C business.

2.15.19 - Client responded. YTD P&L statement for B1's Schedule C business was not required. Borrower sold the agency (business) 1/02/19. Transaction history attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has ben on current job for 19.93 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been on the same profession for 20 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the current residence for 13.41 years

0315259472

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

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Missing YTD balance sheet for B1's Schedule C business.

2.15.19 - Client responded. YTD balance sheet for B1's Schedule C business was not required. Borrower sold XXX 1/02/19. Transaction history attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has ben on current job for 19.93 years CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been on the same profession for 20 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the current residence for 13.41 years

0434979370

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

Active

C

B

C

B

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Per client disclosure data spreadsheet initial CD issued XX/XX/XXXX, however it is missing from the file. Please provide copy of initial CD dated XX/XX/XXXX.

2.15.19 - Client responded. Disagree. The initial Closing Disclosure, with issue date XX/XX/XXXX, was provided on XX/XX/XXXX. The CD was confirmed (acknowledged) in XXX (electronic delivery) on XX/XX/XXXX allowing at least 3 business days to review the Closing Disclosure prior to close on XX/XX/XXXX. The Closing Disclosure was not e-signed but the pdf was opened and acknowledged by the consumer on XX/XX/XXXX and, per XXX 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 as well as CD page 1 with footer date verifying issue date of XX/XX/XXXX.2.15.19 - Clayton has reviewed and per Clayton Compliance Department the Issue Date being incorrect is a Numeric Error and cannot be corrected. You cannot have an issue date on the CD that is after the actual delivery date. CD was sent on XX/XX/XXXX therefore CD Issue date should be XX/XX/XXXX. 2.20.19 - Client responded. 2/19/19: Agree if a CD is issued on XX/XX/XXXX, the issue date disclosed on page 1 of the CD should be XX/XX/XXXX; however, the CD issued on XX/XX/XXXX had the projected closing date incorrectly populate as the issue date.  The CD in question was issued in closing package 007 on XX/XX/XXXX and acknowledged by customer on XX/XX/XXXX. Issue dates are non-numerical clerical errors.    See attached.2.20.19 - Clayton has reviewed and agrees this is a non-numerical error per TRID 3.0 guides.

2.15.19 - Exception remains.2.20.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.46% DTI below max 43% allowed. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower with employer 15 years

0552237443

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

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

No

Borrower does not have prior housing history; borrower has been living rent free with parents (letter in file). Lender approved an exception on page 209 of the PDF to approve the housing history requirement.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds the minmimum

0552237443

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

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Homeowners insurance coverage of $315,000 is insufficient to cover the loan of $XXXXXX.  Appraisal estimated cost new is $XXXXXX.  No Replacement Cost Estimate provided from the HOI company.

1.30.19 - Client responded. See attached Hazard and XXX Escrow screen prints. The screen prints show replacement coverage for subject property.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds the minmimum

0934231652

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

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

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score is 797. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  12.5 years with the same employer. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $591,393.51 = 54.8 months of PITI for both properties.

0837409222

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:  12 years with the same employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  73 months of mortgage payments made to XXX with no late payments. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $794,352.80 = 62 months of PITI for both the new home purchase and the departing residence.

0431334386

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

CRDAPP130

Application is incomplete

No

Missing signed and dated 1003 with in 3 days of the LE dated XXXXXX; initial 1003s in file have date imprint of XX/XX/XXXX

2.15.19 - Client responded. Providing copy of both LE and 1003 dated XX/XX/XXXX. Initial 1003 does not have to be signed (application was taken by phone).

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves $68,661.59(41,470.64 retirement).  Reserves required $3768.11 x 12 = $45,217.32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 763.

0609485397

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

Please provide VOR from landlord; 12 month rent checks to private landlord provided but VOR form required per guides.

1.11.19 - Client responded. No VOR form was obtained. Customer only provided evidence of rent payment with canceled checks and/or bank statements. Underwriting notes attached with Lending Manager ok to proceed due to strong mortgage history in credit file.11.11.19 - Clayton has reviewed and due to lender exception non-material.

1.11.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on job for 12.93 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.52%. Maximum DTI is 45% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 20 years

0422921317

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Lenders exception request in file for Qualifying Ratios - over 40% on a cash out refi- 42.595%. Exception was approved based on compensating factors of The borrower has strong residual income and the housing ratio is low at 27.5%. Borrower hasdemonstrated the willingness and ability to repay and LTV is low at 45.211%. The borrower has note income that cannot be considered for qualifying -$107k next 3 years, final payment 2021 $604k, but is a significant compensating factor for the elevated ratios on a cash out. Income was vetted through DCO and the borrower has add'l earning potential based on the new position.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 807. Minimum credit score for this program is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in his profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 45.66%; max allowed per guidelines is 70%.

0422921317

XXXXXX

CO

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

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

The loan file is missing EXECUTED evidence of the XXX HELOC being paid and closed to future draws.

1.30.19 - Client responded. See attached Title Policy showing no 2nd mortgage.  Thus HELOC was closed out.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 807. Minimum credit score for this program is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in his profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 45.66%; max allowed per guidelines is 70%.

0684664813

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

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 verification of existence of B1's business, XXX, A division of XXX

1.30.19 - Client responded. B1 is an XXXXX for 4 companies who works strictly off of commissions (1099 income). No business license is required. Attached is a commission payout report (VOE) due from XXX 11/20/18 along with borrower explanation of business (outside sales in the XXXXXX industry).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same profession 36 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guidelines of 720.

0684664813

XXXXXX

CA

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 XX/XX/XXXX Closing Costs Financed (paid from your loan amount) value of $3,459.33 does not match review's calculation of $2,823.90. Requires corrected PCCD, LOX and copy of shipping.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same profession 36 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guidelines of 720.

0684664813

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2488

Verbal verification of employment missing

No

Missing verification of existence of B1's business, XXX, A division of XXX

1.30.19 - Client responded. B1 is an XXXXXX for 4 companies who works strictly off of commissions (1099 income). No business license is required. Attached is a commission payout report (VOE) due from XXX 11/20/18 along with borrower explanation of business (outside sales in the XXXXXX industry).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same profession 36 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guidelines of 720.

0684664813

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3124

Loan documents do not meet guideline requirements

No

Borrower purchased property less than 90 days since loan. Approved exception in file based on borrower having additional assets and income not used to qualify.  Compensating factors:  Borrowers ability to save, not at max financing, additional assets and income not needed to qualify and $9563 in residual income monthly.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in same profession 36 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guidelines of 720.

0070490541

XXXXXX

TX

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

CMPTRID3944

TRID - CD: The P&I at consummation per the CD Loan Terms section does not match the P&I per Year 1 in the CD Project Payments section

No

The P&I at consummation per the CD Loan Terms section is $6506.96, which does not match the P&I per Year 1 in the CD Project Payments section of $6506.95. Revised CD required, with correct P&I in the projected payments section. revised CD and LOX to borrower.

2.15.19 - Client responded. Disagree. Agree that the principal and interest payment in the Loan Terms Table does not match the principal and interest payment in the projected payment table; however, per XXX Compliance Testing Team methodology, this is not a testing defect because the difference does not exceed the tolerance of $0.01. This is not a testing defect so no remediation required.

2.15.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $305,593.43. Reserves required $9,355.41 x 12 = $112,264.92. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score 731

0873281117

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 33.79%; max allowable 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $286,283.21.  Reserves required $7,578.02 x 12 = $90,936.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 779 is 99 points above the minimum required score of 680.

0265127273

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

CRDAST3036

Assets reflect unsourced deposits

No

Provide the source of funds for the $202,306.25 large deposit made on 09/28 into XXX.

1.31.19 - Client responded. Agree - Unable to source deposit for $202,306.25 made on 9/28 into XXX2.3.19 - Client responded. Additional response: While the large deposit was not documented with a check or settlement statement, the bank statement reflects the deposit on 9/28/18, a copy of internet documentation from XXX showing the MLS sale of the borrower's property on XX/XX/XXXX and same address on borrower's bank statement and on 1003 as prior residence, believe this to be adequate evidence to support funds from sale of the home and the non-material grade assigned to the exception.  Prior response from 1/31/19: Agree - Unable to source deposit for $202,306.25 made on 9/28 into XXX.2.3.19 - Clayton has reviewed and considers non-material.

1.31.19 - Exception remains. 2.3.19 - Exception remains.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in their current profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 804, which exceeds guideline of 680.

0646288522

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 23.86% below guideline of maximum of 43%. CFCFS2860: Good credit history - Clayton Comments:  Borrowers have no derogatory items on credit report.

0880542793

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Understated Finance Charge corrected on PC CD dated XX/XX/XXXX . Exception satisfied

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 13 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence for over 6 years prior to this transaction CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history.

0880542793

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Understated Finance Charge corrected on PC CD dated XX/XX/XXXX . Exception satisfied

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 13 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers were in primary residence for over 6 years prior to this transaction CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history.

0608263447

XXXXXX

FL

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

1. Missing verification of some or all components of non-subject PITI to support monthly payment of $3111 for primary home (per mortgage statement PITI verified as $2,375.99).

2.3.19 - Client responded. Monthly payment for property XXX was $2,375.99 = $1,172.14 (interest) + $1,203.85 (escrow) per XXXXX loan statement. Loan is interest-only to include escrow and anything paid over this amount will be applied to principal. See transaction activity and past payments breakdown from the loan statement to reflect this. The Credit Report (trade 1 - XXX) also reflects monthly scheduled and actual payments made. Amortization calculator was used to determine monthly payment amount of $3,111.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 795 exceeds guideline requirement of 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 16.91 years

0608263447

XXXXXX

FL

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

Satisfied

C

B

C

B

CMPTRID3944

TRID - CD: The P&I at consummation per the CD Loan Terms section does not match the P&I per Year 1 in the CD Project Payments section

No

CD: XX/XX/XXXX & CD: XX/XX/XXXX : Section  Loan Terms;  PI, Value: 4421.61, is different than Projected Payments, Principal & Interest - Fixed Payment 1, Value: 4421.60. A difference of $1.00. Please provide a  LOX and redisclosed CD within 60 days of discovery.

1.31.19 - Client responded. Disagree:  Note P&I $4421.61; Projected Payment Table P&I $4421.60.   Difference is $0.01, not $1.00.   XX does not remediate $0.01 payment difference. 1.31.19 - Clayton has reviewed and difference is within allowed tolerance.

1.31.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 795 exceeds guideline requirement of 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 16.91 years

0608263447

XXXXXX

FL

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 verification of some or all components of non-subject PITI to support monthly payment of $3111 for primary home (per mortgage statement PITI verified as $2,375.99).

2.3.19 - Client responded. Monthly payment for property XXX was $2,375.99 = $1,172.14 (interest) + $1,203.85 (escrow) per XXXX loan statement. Loan is interest-only to include escrow and anything paid over this amount will be applied to principal. See transaction activity and past payments breakdown from the loan statement to reflect this. The Credit Report (trade 1 -XXX) also reflects monthly scheduled and actual payments made. Amortization calculator was used to determine monthly payment amount of $3,111.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 795 exceeds guideline requirement of 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 16.91 years

0608263447

XXXXXX

FL

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

Missing 2016 K1 for XXX

2.3.19 - Client responded. 2016 K-1 for XXX was not required. 2017 K-1 attached. Borrower has less than 2% ownership. 2017 Schedule E (1040 indiv tax returns) reflects $8162 K-1 income XXX. 2016 Schedule E (1040 indiv tax returns) reflects $5521 K-1 income XXX. 2016-17 Schedule E's attached.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 795 exceeds guideline requirement of 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 16.91 years

0984402625

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:  3,996,488.74 post closing cash reserves; 720.30 months PITIA subject or 437.51 months PITIA all properties.   12 months post closing PITIA required for all properties. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 15.34 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a 784 credit score. Min 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 43 years.

0573939170

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

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 20 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history.

0932814654

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

Missing Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower have 0 late mortgage payments in last 12 months. CFCFS2860: Good credit history - Clayton Comments:  Borrowers  have no derogatory items on credit report. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 813 exceeds guidelines of 720.

0767976029

XXXXXX

MA

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

Per appraisal addendum  in file, The appraisal is made subject to to all documentation creating a condominium, condominium trust and unit deed have been completed and all documents filed at the XXX  County Registry of Deeds

2.3.19 - Client responded. Business entity summary for XXX (owner of public record per appraisal) attached.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.57%; max allowable is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 qualifying score. Min required per guidelines is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 20 years.

0312213180

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Lender must provide the Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  18% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $77,822.04Post Closing Reserves $581,271.74

0312213180

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH149

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

No

Missing VOR for most recent 12 months (cancel checks, bank statements, and/or professional management corporation).

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  18% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $77,822.04Post Closing Reserves $581,271.74

0312213180

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2340

Employment verification does not meet guidelines

No

Missing LOX for gap(s) in employment.  Per application, borrower working on a Freelance project.  Per current VOE, borrower started job on 1/2/2018.  However, 2017 W2 does not support 12 month employment when compared to 2016 W2.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  18% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $77,822.04Post Closing Reserves $581,271.74

0312213180

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

B

Property Valuations

Property

Active

B

B

B

B

PRVAPROP177

Property Issues Indicated

No

Condo Units Investor Concentration at 65% which exceeds guidelines. Exception Approval is located in the loan file Exception approved based on  credit/capacity profile supportive of a strong ability to  repay further offsetting risk factors of loan exposure, payment shock and the collateral risk. Both borrowers have depth to employment covering over 15 years with a stable/upward earnings.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  18% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $77,822.04Post Closing Reserves $581,271.74

0610463230

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

CMPTRID4320

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

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 7296.48 actual calculation 6601.48 closing costs 7296.48 - POC 695 = 6601.48

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 15.3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 63.66% is less than the max ltv of 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 771 is 71 points higher than required 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 35.68% is 7.32% less than required 43%.

0372950021

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $8,981.88. Review calculates total to be $8,286.88. Difference is POC's of $695.00.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender calculated DTI of 38.78% is 4.22 points below maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,723,476.34. 12 months reserves required per guidelines or $34,375.56. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX in her current job for 9+ years.

0372950021

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

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

Refers to all CD's: The Payoffs and Payments section has no entries.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender calculated DTI of 38.78% is 4.22 points below maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,723,476.34. 12 months reserves required per guidelines or $34,375.56. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX in her current job for 9+ years.

0372950021

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

CRDTER111

Ownership seasoning does not meet minimum per guidelines

No

Lender's approved exception, dated XX/XX/XXXX (pg 255) for "seasoning on cash-out refinance transaction" - subject purchased less than 90 days.   Comp Factors:  $2.4M in PCL, housing ratio in line at 32.864%. borrower is recouping funds used to purchase property out of pocket, excellent credit history, all trade paid as agreed with no derogs, and housing ratio below max and w/customer's asset profile supports ATR.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender calculated DTI of 38.78% is 4.22 points below maximum allowed DTI of 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $1,723,476.34. 12 months reserves required per guidelines or $34,375.56. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX in her current job for 9+ years.

0040625721

XXXXXX

AL

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $10,140.46. Review calculates total to be $9445.46. Difference is POC of $695.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 28.81 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the last 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 28.81 years

0040625721

XXXXXX

AL

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

C

B

C

B

CRDCRMH2662

Number of mortgaged properties exceeds guideline limit

No

XXX made an exception for second home cash-out with third financed property. Maximum financed property allowed is 2. Compensating Factors: Occupancy is supported for both second homes. Borrower is a XXX for 28 years with various sources of earnings from wages, bonuses and distributions. Earnings are considered stable with residual income of $47,698 per month. Borrowers has the ability to sustain combined housing increase. Upon closing borrower will over $1.1 MM in allowable retirement assets.

2.7.19 - Client responded. LVAM exception approved under the EP (Exception Policy) delegated authority.  2.7.19 - Clayton has reviewed and determines based on compensating factors non-material.

2.7.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 28.81 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the last 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 28.81 years

0040625721

XXXXXX

AL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

B

B

D

B

D

B

C

B

B

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing evidence to support lien on title with XXX has been removed.  Per LOE from XXX, the borrower no longer has an open home equity loan however a loan is still reporting on title.

2.7.19 - Client responded. Final Title Policy to reflect only new lien of $765,050 attached.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 28.81 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the last 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 28.81 years

0040625721

XXXXXX

AL

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

Cash out amount exceeds max of $350,000. Cash back to borrower per CD dated XX/XX/XXXX is $425,846.63. XXX granted an exception.  Compensating factors: borrower is a XXX for 28 years with various sources of earnings from wages, bonuses and distributions. Earnings are considered stable with residual income of $47,698 per month. Borrowers has the ability to sustain combined housing increase. Upon closing borrower will over $1.1 MM in allowable retirement assets.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 28.81 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the last 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 28.81 years

0040625721

XXXXXX

AL

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

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

XXX made an exception for condo investor concentration for second home purchase only. Loan transaction is a second home cash-out refinance. Compensating factors: borrower is a XXX for 28 years with various sources of earnings from wages, bonuses and distributions. Earnings are considered stable with residual income of $47,698 per month. Borrowers has the ability to sustain combined housing increase. Upon closing borrower will over $1.1 MM in allowable retirement assets.

2.7.19 - Client responded. LVAM exception approved under the EP (Exception Policy) delegated authority.  2.7.19 - Clayton has reviewed and determines based on compensating factors non-material. 2.8.19 - Client responded. 1- This loan transaction (XXXXXX) was a second home (single family residence) cash-out refinance for property XXX. EP (Exception Policy) approved this with multiple LVAM exceptions XX/XX/XXXX (note date XXX ). There was no exception for investor concentration for this loan.   2- The borrower had another pending application at the same time (XXXXXX) for property XXX (condo) with the approved exception for condo investor concentration for second home purchase by the same EP decisioner XX/XX/XXXX (note date XX/XX/XXXX).2.8.19 - Clayton has reviewed and Lender Exception was for a simultaneous purchase of another property not the subject. As stated subject was a cash-out of already purchased property.

2.7.19 - Exception remains. 2.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 28.81 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the last 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 28.81 years

0040625721

XXXXXX

AL

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

A desk review was received with a reported value of $XXXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXXX. A field review has been ordered.

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

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 28.81 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the last 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 28.81 years

0770980133

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

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

PCCD XX/XX/XXXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted Title fees are missing the payee names. Corrected on subsequent PC-CD's issued after XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 13 years in same line of work.  Borrower 2 has 20 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 710 above program requirement 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 31.779% below program maximum 45.00%.

0770980133

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

A

B

B

Credit

Assets

Active

B

B

B

B

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Approved Exception in place to use Borrower 1 XXX funds. Use does not fit guidelines due to XXX returns Schedule L reflects no cash on company year-end balance.  Compensating factors to use XXX funds: Borrower 1 is XXX filing 1120S. XXX, low ratios, residual income exceeds policy minimum, minimal revolving credit usage, and excellent XXX 0x30 history.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 13 years in same line of work.  Borrower 2 has 20 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 710 above program requirement 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 31.779% below program maximum 45.00%.

0770980133

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

B

B

C

A

B

B

C

B

B

B

C

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

FEMA Disaster #4407 (Wildfire) with declaration date 11/12/18 and effective date 11/25/18 was declared after property inspection date of 10/30/18.

2.8.19 - PDI provided and no damage.

2.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 13 years in same line of work.  Borrower 2 has 20 years same line of work. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative score 710 above program requirement 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 31.779% below program maximum 45.00%.

0471368342

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 at current job for 23.61 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been at current profession for 35.50 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in departing residence for 15.03 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $129,301.28  in post closing cash reserves; 34.19 months PITIA.  6 months PITIA required.(3781.64*6) = 22,689.84 This leaves $106,611.44 in additional post close cash reserves.

0669773366

XXXXXX

NE

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:  800 credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $48,136Verified Assets for Reserves $349,356 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 on 1st job for 6 years and on 2nd job for 10 years

0998935321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

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

1. Missing Vvoe for B1 and B2 2. Missing 2018 P&L for B1 Schedule C Income

2.15.19 - Client responded. 1- Verification of XXX for both borrowers documented in underwriting notes 12/13/18 attached.  2- Explanation and documentation of B1 Schedule C income attached.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 mths for Subj $58,202 and 6 mths for Primary $43,750 = $101,960Verified Assets for Reserves $744,111.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score

0998935321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance charge is understated by $154. PCCD corrects error as Title Loan Tie on fee reduced from $340 to $200 and Recording Service fee of $14 dropped. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 mths for Subj $58,202 and 6 mths for Primary $43,750 = $101,960Verified Assets for Reserves $744,111.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score

0998935321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

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: XX/XX/XXXX: Loan Calculations  Amount Financed, Value: $695,473.39  Amount Financed as Calculated, Value: $695,319.39 is off by $ 154.00. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 mths for Subj $58,202 and 6 mths for Primary $43,750 = $101,960Verified Assets for Reserves $744,111.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score

0998935321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

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

Lender to provide Vvoe for B1 and B2 Sch C Businesses

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 mths for Subj $58,202 and 6 mths for Primary $43,750 = $101,960Verified Assets for Reserves $744,111.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score

0998935321

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Lender to provide 2018 P&L for B1 Sch C Income (Subject to requalification)

2.15.19 - Client responded. Explanation and documentation of B1 Schedule C income attached (2 attachments).2.15.19 - Clayton has reviewed and LOE explains were funds are coming from and P&L and Balance sheets would not be required.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 mths for Subj $58,202 and 6 mths for Primary $43,750 = $101,960Verified Assets for Reserves $744,111.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score

0532595975

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:  Borrowers have a median credit score of 819, which is 99 points higher than the guideline requirement of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is 24.09%, which is 18.91% less than guideline max of 43.0%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $852,715.59 in post-closing reserves, which is $767,251.79 more than the guideline required amount of $85,463.80, or 119 months in reserves of subject PITIA.

0279610206

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:  846,855.2  post closing cash reserves; 156.11 months PITIA .   12 months PITIA required. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in the same job for 21.4 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 27 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in current departing residence for 21 years.

0893029376

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

The required Affiliate Business disclosure is missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in their  Current  Residence for 10.61 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has worked 11 years in his profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  798  exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0945329277

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 evidence of 24 months of employment verification with no gaps over one month as required by guidelines and appendix Q; VOE dated 11/13/18 reflects borrower start date as 9/5/17 with no prior VOE or prior employment pay stub showing end date to reflect no gap

1.11.19 - Client responded. No prior VOE or prior employment pay stub were required. Loan application reflects dates of previous employment from 10/01/13 - 9/04/17. Hire date at XXX was 9/05/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. Borrower has been in the same profession over 20 years and changed jobs 9/05/17 to advance in the same line of work.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV (51%) is lower than max Lender allowed 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 25.816% lower than Lender max DTI 43%

0945329277

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 8461.63 actual calculation 8274.21 closing costs 10112.66 - POC 1838.45 = 8274.21. Please provide a revised CD that corrects the closing costs financed. revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV (51%) is lower than max Lender allowed 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 25.816% lower than Lender max DTI 43%

0945329277

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

B

A

B

A

CRDINC2340

Employment verification does not meet guidelines

No

Missing evidence of 24 months of employment verification with no gaps over one month; VOE dated 11/13/18 reflects borrower start date as 9/5/17 with no prior VOE or prior employment pay stub showing end date to cover no gap. Downgraded to non-material.

1.11.19 - Client responded. No prior VOE or prior employment pay stub were required. Loan application reflects dates of previous employment from 10/01/13 - 9/04/17. Hire date at XXX was 9/05/17. 2016-17 W-2s obtained from XXX to document 24 months (history) of employment and no gaps that span one or more months. Borrower has been in the same profession over 20 years and changed jobs 9/05/17 to advance in the same line of work.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV (51%) is lower than max Lender allowed 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 25.816% lower than Lender max DTI 43%

0945329277

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

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Insurance Amount to Cover Loan Balance

No

Missing hazard insurance to cover the loan amount or Guaranteed Replacement Cost amount calculated by the insurance provider;  $248,750 coverage amount ($199K + $49,750 additional extended replacement cost), does not cover the loan amount of $XXXXXX or the appraisal Total Estimate of Cost-New amount of $397,120

1.11.19 - Client responded. Sufficient insurance. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX policy and hazard insurance details page attached (2 attachments).

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV (51%) is lower than max Lender allowed 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 25.816% lower than Lender max DTI 43%

0945329277

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

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing fully executed evidence that HELOC has been closed to future draws.

1.11.19 - Client responded. See attached Title Policy showing no 2nd lien on property.1.11.19 - Clayton has reviewed and final title reflects lien paid.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV (51%) is lower than max Lender allowed 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 25.816% lower than Lender max DTI 43%

0886884841

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:  Credit score of 747 exceeds guideline requirement of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 6.22 years, stable employment history

0240891095

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 Final signed and dated Seller HUD for prop located @ XXX Netting  $288,802.15

2.6.19 - Client responded. Final ALTA Settlement Statement - Seller from sale of property XXX to reflect net proceeds due to seller $288,802.15 attached. XXXX details page to verify the last payment $307,840.35 applied XX/XX/XXXX to payoff the existing mortgage attached. Payment amount matches final settlement statement.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV of 67.16% is under the guideline requirement of  80.00% by 12.84%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  732  exceeded the guideline requirement of  720  by  12  points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $3,039.06 x 12 = $36,468.72.Borrower  has Remaining $476,953.11 in  reserves.

0240891095

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

Missing Final signed and dated Seller HUD for prop located @ XXX  $288,802.15

2.6.19 - Client responded. Final ALTA Settlement Statement - Seller from sale of property XXX to reflect net proceeds due to seller $288,802.15 attached. XXX details page to verify the last payment $307,840.35 applied XX/XX/XXXX to payoff the existing mortgage attached. Payment amount matches final settlement statement.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrowers LTV of 67.16% is under the guideline requirement of  80.00% by 12.84%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  732  exceeded the guideline requirement of  720  by  12  points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $3,039.06 x 12 = $36,468.72.Borrower  has Remaining $476,953.11 in  reserves.

0348073654

XXXXXX

AK

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

Missing2 months rental verification for current residing address at XXX paying $1,600.00 per month.

2.7.19 - Client responded. 2 months rental verification (cancelled checks) at XXX for October and November attached. Monthly rent was $1400. October rent in the amount of $2200 includes the security deposit as indicated on the check.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  769  exceeded the guideline requirement of  720  by  49  points. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required $5,694.23 x 12 = $68,330.76.Borrower  has Remaining $34,877.92 in  reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI of 16.34% is under the guideline requirement of  43.00% by 26.66%.

0397777166

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

CD dated XX/XX/XXXX was acknowledged on XX/XX/XXXX , 3 day waiting period not met. Final CD dated XX/XX/XXXX was acknowledged on XX/XX/XXXX.

2.6.19 - Client responded. Disagree.  3 day waived due to Bona-Fide Financial Hardship.  Borrower hardship letter attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 YEARS ON THE JOB CFCFS1744: DTI below guideline requirement - Clayton Comments:  37% DTI..

0617458857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

B

D

B

D

B

D

B

C

B

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 fully executed evidence the HELOC being paid off through this transaction has been closed to future draws; form in file has not been dated/signed as required.

1.31.19 - Client responded. Fully executed evidence the HELOC paid off has been closed to future draws attached, to include 1- Confirmation of closure letter  2- Lien release/full re-conveyance.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in home for over 23 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 25 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required: 12 x 4775.08x12= $57,300.96; $619,096.35 verified reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 70 months of 0x30 mortgage payments.

0617458857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

B

D

B

D

B

D

B

C

B

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 XX/XX/XXXX Closing Costs financed (paid from your loan amount) value is $3,524.10. Review calculates total to be $2,888.67. Please provide a corrected PCCD that reflects accurate closing costs financed, LOX, and verification of shipping.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in home for over 23 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 25 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required: 12 x 4775.08x12= $57,300.96; $619,096.35 verified reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 70 months of 0x30 mortgage payments.

0617458857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

B

D

B

D

B

D

B

C

B

D

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing fully executed evidence the HELOC being paid off through this transaction has been closed to future draws; form in file has not been dated/signed as required.

1.31.19 - Client responded. Fully executed evidence the HELOC paid off has been closed to future draws attached, to include 1- Confirmation of closure letter  2- Lien release/full re-conveyance.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in home for over 23 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 25 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required: 12 x 4775.08x12= $57,300.96; $619,096.35 verified reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 70 months of 0x30 mortgage payments.

0617458857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

B

D

B

D

B

D

B

C

B

D

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Securitization cash to borrower of $485K exceeds $400K max for cash out on LTV >65%, per guides.  Exception by lender noted in UW Decision Summary.  Offsets: Excellent credit profile, all paid as agreed, demonstrated ability to save, strong employment history, low revolving debt, no lates/derogs ever.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in home for over 23 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 25 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required: 12 x 4775.08x12= $57,300.96; $619,096.35 verified reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 70 months of 0x30 mortgage payments.

0617458857

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

B

D

B

D

B

D

B

C

B

D

B

Property Valuations

Property

Active

C

B

C

B

PRVAPROP177

Property Issues Indicated

No

Unacceptable Property; Comparable sale requirements not met of illegal accessory unit.  The appraiser was only able to provide one comparable sale with similar illegal unit.  Exception by lender noted in UW Decision Summary.  Offsets: Excellent credit profile, all paid as agreed, demonstrated ability to save, strong employment history, low revolving debt, no lates/derogs ever.

1.31.19 - Client responded. LVAM approved exception - Unacceptable Property Type. Exception approved under the PCO delegated authority. 1.31.19 - Clayton has reviewed and considered non-material based on compensating factors of 0 X 30 on current mortgage over 70 months, Excess reserves of over 550k & 23 years living at current residence.

1.31.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in home for over 23 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 25 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required: 12 x 4775.08x12= $57,300.96; $619,096.35 verified reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 70 months of 0x30 mortgage payments.

0042906852

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

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

NMLS reflects the following XXX, XXX, XXX;XXX; XXXNote & 1003 reflect : XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current Employer for 18.08 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been Employed with the current Employer for 17.37 years.

0300650548

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 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.24%; guideline is 43%.

0380037544

XXXXXX

DC

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

Provide Date Verify

1.11.19 - Client responded. "Attached find the Third Party Fraud Report.

1.11.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 796 is 76 points above the minimum required score of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.44%; max allowable per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $112,916.19. Reserves required $2,969.89 x 12 = $35,638.68.

0723011804

XXXXXX

ME

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 37%; 6% below maximum allowed DTI for this program of 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been employed with employer for 14 years.

0665937654

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:  27.86% DTI below max 43% allowed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 representative FICO exceeds minimum 700 required

0241442928

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:  Borrower's mid score of  774 . CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  After Cash to close and Reserves required $5,844.42 x 12 = $70,133.04.Borrower  has Remaining $310,911 (140,835.82 retirement)  in  reserves. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0970051276

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:  Minimum score allowed 680, borrower score 793 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs $49,788 in reserves, borrowers have $208,527.82

0618689222

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

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

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has occupied the subject property for 17 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $1,703,345.83.  Reserves required $10,392.86 x 12 = $124,714.32

0618689222

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

Active

B

B

B

B

CMPTRID4352

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

No

1.  Final CD: XX/XX/XXXX and Post Close CD XX/XX/XXXX  Section: Other Costs the recording fees are not itemized. 2.  Post Close CD XX/XX/XXXX Closing information the file number is not listed.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has occupied the subject property for 17 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $1,703,345.83.  Reserves required $10,392.86 x 12 = $124,714.32

0618689222

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

A

C

A

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

Final CD XX/XX/XXXX  APR is listed as 4.37 and Post Close CD issued XX/XX/XXXX APR is listed as 4.622.  A difference of 0.252 exceeds tolerance of 0.125.

2.7.19 - Client responded. Disagree.  CDs with APR 4.622% are preliminary CDs.  Issue dates populated incorrectly.  Document date is in the footer.  See attached for example.  Final APR is 4.37%.  No violation for reduction in APR from 4.622% to 4.37%.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has occupied the subject property for 17 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $1,703,345.83.  Reserves required $10,392.86 x 12 = $124,714.32

0994909412

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 1 has 15 years same line of work.   Borrower 2 has 8 years 10 months same line of work. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history on departing primary residence exceeds guideline requirement of 0x30 for 12 mos. Reports 24 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $213,540.20 in total assets verified. Assets of $204,962.65 are liquid. Final CD reflects required funds to close, $138,530.21.  Post close reserves $75,009.99.  Required reserves $3,290.53*12 mos.=$39,486.36.

0457379081

XXXXXX

SC

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

DTI is over 43%. Lender did not consider 2017 K1 loss with XXX, 2017 K1 is showing a $28,255 loss (/12 = $-2,354.58) Clayton considered this loss in DTI.  Additionally Lender UW used 2017 XXX Income of $288,535 / 12 = $24,044.58 because it was less that New Pay Structure of $300k per year. New Pay Structure is actually $275k which is less than 2017 XXX income. Therefore the new pay structure of $275k / 12 = $22,916.66 should have been used.

2.7.19 - Client responded. Summary of income to include underwriting notes attached. 2.7.19 - Clayton has reviewed income calculations and additional underwriting notes and agrees with income and has updated.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  54% LV; maximum per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 18 months second home = $96,365Verified Assets for Reserves $823,671(153.85 Months PITIA)

0457379081

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

Lender 41.04% vs Clayton 45.15%.  Lender did not consider 2017 K1 loss with XXX, 2017 K1 is showing a $28,255 loss (/12 = $-2,354.58) Clayton considered this loss in DTI.  Additionally Lender UW used 2017 XXX Income of $288,535 / 12 = $24,044.58 because it was less that New Pay Structure of $300k per year. New Pay Structure is actually $275k which is less than 2017 XXX income. Therefore the new pay structure of $275k / 12 = $22,916.66 should have been used.

2.7.19 - Client responded. Summary of income to include underwriting notes attached. 2.7.19 - Clayton has reviewed income calculations and additional underwriting notes and agrees with income and has updated.

2.7.19 -  Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  54% LV; maximum per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 18 months second home = $96,365Verified Assets for Reserves $823,671(153.85 Months PITIA)

0562309606

XXXXXX

CT

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 at 75%; max allowed LTV per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 22.71%; max allowed DTI per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 797; minimum required credit score per guidelines is 720.

0496588040

XXXXXX

AL

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

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 175.96 months. Guidelines require 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 57.64%. Max LTV for this program is 80.00%.

0496588040

XXXXXX

AL

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

Require evidence of liquidation (as per Lender's guidelines on pg 165) for $223,567.50  funds to close as borrower is short liquid funds to close.

1.31.19 - Client responded. Sufficient liquid assets to close. Summary of assets to include XXX & XXX (XXX) asset statements. Per lender guidelines, the underwriter may use judgment in requiring proof of liquidation for publicly traded stocks, bonds, mutual funds and US government securities. XXX money market $473,426.48 + XXX $350k = $823,426.48 available liquid funds.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are 175.96 months. Guidelines require 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 57.64%. Max LTV for this program is 80.00%.

0194485968

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 had $266,427.06 in reserves, borrower needs $57,117 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score 680, borrower score 724

0723503133

XXXXXX

IL

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 evidence HOA amount is $209.47 per month for property at XXX

2.7.19 - Client responded. 2 months XXX bank statements to verify recurring monthly HOA for property XXX in the amount of $209.51 attached.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments in last 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 17 years.

0723503133

XXXXXX

IL

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

Provide evidence HOA amount is $209.47 per month for property at XXX

2.7.19 - Client responded. 2 months XXX bank statements to verify recurring monthly HOA for property XXX in the amount of $209.51 attached.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments in last 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 17 years.

0764201758

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Corrected on PC CD dated XX/XX/XXXX . Exception SATISFIED

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,071,555.98 in total assets documented.  Effective amount is $920,833.77, with liquid assets of $770,111.56. Post close reserves are $321,874.27. Reserves required $4,196.46 x 24 = $100,715.04 and $4,526.76 x 24 = $108,642.24; total $209,357.28. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 41.22%.

0764201758

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

Corrected on PC CD dated XX/XX/XXXX . Exception SATISFIED

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,071,555.98 in total assets documented.  Effective amount is $920,833.77, with liquid assets of $770,111.56. Post close reserves are $321,874.27. Reserves required $4,196.46 x 24 = $100,715.04 and $4,526.76 x 24 = $108,642.24; total $209,357.28. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 41.22%.

0764201758

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

1.  Post Close CD: XX/XX/XXXX, Section: Loan Costs (B) the payees are not listed. Post Close CD XX/XX/XXXX corrects this error.  Exception satisfied. 2.  Post Close CD: XX/XX/XXXX, Section: Closing information the file number is not listed.  Post Close CD XX/XX/XXXX corrects this error.  Exception satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,071,555.98 in total assets documented.  Effective amount is $920,833.77, with liquid assets of $770,111.56. Post close reserves are $321,874.27. Reserves required $4,196.46 x 24 = $100,715.04 and $4,526.76 x 24 = $108,642.24; total $209,357.28. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 41.22%.

0231508617

XXXXXX

MA

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

Missing verbal verification of employment for B1 (XXX) completed 20 business days prior to Note date. Only documentation imaged was verification of the company and phone numbers.

1.15.19 - Client responded. Note date XX/XX/XXXX. Verbal VOE for B1 (XXX) completed 12/04/18 - attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 796 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $44,264Verified Assets for Reserves $349,356

0231508617

XXXXXX

MA

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

Missing verbal verification of employment for B1 (XXX) completed 20 business days prior to Note date. Only documentation imaged was verification of the company and phone numbers.

1.15.19 - Client responded. Note date XX/XX/XXXX. Verbal VOE for B1 (XXX) completed 12/04/18 - attached.

1.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 796 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $44,264Verified Assets for Reserves $349,356

0965848538

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 balance sheet for XXX.

2.19.19 - Client responded. Balance Sheet, P&L and 4 months XXX Business bank statements 7/2018 - 10/2018 for XXX to support the calculated qualifying income attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has positive mortgage payment history CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 15 years.

0965848538

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $3,753.52. Review calculates total to be $3,231.09. Difference is POC's of $522.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has positive mortgage payment history CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 15 years.

0965848538

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

Refers to all CD's: Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted Title fees appear in section B indicating the borrower did not shop for the provider. However the provider used is not on the service provider list. Please provide an updated PC-CD reflecting the borrower did shop for services.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has positive mortgage payment history CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 15 years.

0965848538

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

CRDINC3260

Balance Sheet missing for one or more Self Employed borrowers

No

Missing balance sheet for XXX.

2.19.19 - Client responded. Balance Sheet, P&L and 4 months XXX Business bank statements 7/2018 - 10/2018 for XXX to support the calculated qualifying income attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has positive mortgage payment history CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 15 years.

0327446432

XXXXXX

WA

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

D

B

D

B

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing fully executed gift letter and proof of delivery from XXX in the amount of $120,000; provide legible copies of source of fund documents

2.12.19 - Client responded. Gift letter requirement was waived by PCO exception. Copy of e-mail from PCO attached along with executed warranty deed and deed of trust reflecting donor XXX vested in title with borrowers. Copy of wire transfer from XXX to borrowers in the amount of $120,000 on 12-12-2018 also attached along with supporting documentation to verify ownership of the donor's account. Availability of donor funds is not required per non agency guidelines. 2.12.19 - Clayton has reviewed. Proof funds wired from giftor provided. Email supporting lender waiving need of gift letter and reflecting no terms or expected repayment, giftor's name, marital status mailing address etc. provided. Giftor to be on title. Clayton considers this non-material based on compensating factors of credit score over guideline at 773 & 20 years at current employment.

2.12.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 773 exceeds guideline requirement of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 20.16 years, stable employment history

0930293015

XXXXXX

NY

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 Co-op property expense for XXX is $340 per month.

2.26.19 - Client responded. Underwriter loan notes (attached) state co-op maintenance fee for borrower's residence (disclosed as XXX) is $339 per month.  Copy of 10/1/2018 stub for maintenance charge payable to XXX for $339.23 attached along with September and October 2018 XXX statements for account #XXX reflecting checks payable for the same amount.

2.26.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 788 exceeds guideline requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 24.99% is below guideline maximum.

0930293015

XXXXXX

NY

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

The loan file is missing  documentation supporting  the HOA  for the property located on XXX totaling $340.00.  Mortgage statement in file supports P&I of $573

2.26.19 - Client responded. Underwriter loan notes (attached) state co-op maintenance fee for borrower's residence (disclosed as XXX) is $339 per month.  Copy of 10/1/2018 stub for maintenance charge payable to XXX for $339.23 attached along with September and October 2018 XXX statements for account #XXX reflecting checks payable for the same amount.

2.26.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 788 exceeds guideline requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 24.99% is below guideline maximum.

0811397696

XXXXXX

FL

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

Lender to provide Data Verify Report

1.14.19 - Client responded. The Third Party Fraud Report was originally delivered in the PDF on pages 244-269. Since originally delivered, we will not be resending.

1.14.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  18 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired per loan approval is $33,331Verified Assets for Reserves $398,666

0844935682

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

C

B

B

A

C

A

B

B

C

B

B

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 Dated XX/XX/XXXX Calculating Cash to Close - Cash to Close - Closing Costs Financed (Paid from your Loan Amount)CD Value - $1755.83 Clayton Calculation - $1080.83 Difference - $695 (Amount Paid BEFORE Closing). Please provide revised CD that does not include POC fees in the closing costs financed. Revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Primary owned 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been working 22 years.

0844935682

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

C

B

B

A

C

A

B

B

C

B

B

A

C

A

B

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2488

Verbal verification of employment missing

No

Missing verbal verification of Employment.

1.16.19 - Client responded. Business licenses  was used to verify XXX for  the existence of the business. See page 505 of the PDF that was sent

1.16.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Primary owned 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been working 22 years.

0844935682

XXXXXX

MT

QM: Safe Harbor

QM: Safe Harbor

C

B

B

A

C

A

B

B

C

B

B

A

C

A

B

B

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP177

Property Issues Indicated

No

Subject is a second home refi with 1/1 accessory unit. Appraisal includes Comparable Rent Schedule based on 4/3 unit. Please provide LOX explaining reason for Comparable Rent Schedule when subject was financed as second home and not investment property.

1.21.19 - Client responded. Subject property is a two-story second (vacation) home in XXX. There is a guest unit within the garage. However, the appraisal reflects no current lease or operating income from the subject. Individual tax returns in file for years 2016-17 reflect no investment properties or rental income.

1.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Primary owned 25 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been working 22 years.

0033341680

XXXXXX

NY

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

1. XXX VVOE for borrower completed after closing/funding. 2. Missing XXX VVOE For co-borrower.

2.12.19 - Client responded. Non agency guidelines allow the decisioner to verify the existence of the business using resources available that verify the existence of the business.  Both borrowers are XXX who operate their businesses from their residence; borrower is a XXX and co-borrower is a XXX.  Twelve months business bank statements were provided that support the existence of the business; only two months business bank statements provided for co-borrower's business but co-borrower income is 10% of qualifying and income; ratios are within guidelines without co-borrower income.  Business assets attached for both borrowers.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0033341680

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD disclosed finance charges of $778,189.14 per Clayton pay stream calculations, finance charges are $780,084.14, resulting in understated finance charges of $1,895.00. PC-CD dated XX/XX/XXXX corrects finance charge issue. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0033341680

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

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

Final CD disclosed finance charges of $778,189.14 per Clayton pay stream calculations, finance charges are $780,084.14, resulting in understated finance charges of $1,895.00. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0033341680

XXXXXX

NY

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

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

Refers to PC-CD dated XX/XX/XXXX the calculating cash to close LE column of the grid does not match the last LE issued XX/XX/XXXX.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0033341680

XXXXXX

NY

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

C

B

C

B

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

Loan Closed on XX/XX/XXXX. APR didn't increase, however PC-CD issued XX/XX/XXXX which reflects an increase from 4.375% to 4.517% on CD.

2.15.19 - Client responded. Disagree:  CD with issue date of XX/XX/XXXX was e-Delivered and completed on XX/XX/XXXX; not a PC CD.  See attached documentation for subject loan. 2.15.19 - Clayton has reviewed and disagrees. You cant post date a CD. If stamp date is XX/XX/XXXX then the issue date is XX/XX/XXXX and not XX/XX/XXXX. 2.20.19 - Client responded. 2/19/19:  Agree that the issue date on the CD page 1 should be correct, however, the projected close date was incorrectly populated to the issue date on CD issue date XX/XX/XXXX.  Per eTracking, package 001 was sent electronically on XX/XX/XXXX and acknowledged by the borrower on XX/XX/XXXX.  XX assigns package numbers to LE/CDs for internal tracking. See attached. 2.20.19 - Clayton has reviewed and considers this non-material per Clayton Compliance department guidance as this is a clerical non numerical error.

2.15.19 - Exception remains. 2.20.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0033341680

XXXXXX

NY

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 XXX VVOE For co-borrower.

2.12.19 - Client responded. Non agency guidelines allow the decisioner to verify the existence of the business using resources available that verify the existence of the business.   Two months business bank statements attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0033341680

XXXXXX

NY

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

CRDINC2496

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

No

XXX VVOE for borrower completed after closing/funding.

2.12.19 - Client responded. Non agency guidelines allow the decisioner to verify the existence of the business using resources available that verify the existence of the business.   Twelve months business bank statements attached.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI is 37.74%; max per guidelines is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV is 62.90%; max per guidelines is 70%

0728145278

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:  780 qualifying score. Min required per guidelines is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $195,889.21 or 49.12 months PITIA, guidelines required 12 months PITIA.

0110302468

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

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

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  10 years with the same employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV; maximum LTV 80%

0110302468

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

Credit/Mtg History

Active

B

B

B

B

CRDCRMH119

Consumer lates exceed guidelines

No

Lender exception noted on UW Decision Summary for Non-Real Estate account, XXX  has settled for less than the amount due.  Offsets- departure residence sold, demonstrated strong savings pattern, strong residual income of $40k, excellent mtg repayment history, low DTI 20.71% and LTV 75%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  10 years with the same employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV; maximum LTV 80%

0587544594

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

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:  13 year on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  809 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $46,713Verified Assets for Reserves $405,819

0829250670

XXXXXX

CA

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 evidence of the departure residence H0-6 insurance with a monthly premium of $80 as indicated on the Final 1003, or evidence it is not part of the borrowers' debt for that REO.

1.31.19 - Client responded. Verification of the departure residence HO-6 insurance attached. Annual premium amount $956.23/12 = $79.69 monthly.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  782  qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $148,054.89  or 23.40 months PITIA, guidelines required 12 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 10 years

0829250670

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI2540

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

No

The loan file is missing evidence of the departure residence H0-6 insurance with a monthly premium of $80 as indicated on the Final 1003, or evidence it is not part of the borrowers' debt for that REO.  Downgraded to non-material as it will not affect DTI out of tolerance to be included.

1.31.19 - Client responded. Verification of the departure residence HO-6 insurance attached. Annual premium amount $956.23/12 = $79.69 monthly.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  782  qualifying score. Min required per guidelines is 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $148,054.89  or 23.40 months PITIA, guidelines required 12 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 10 years

0422134576

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:  Qualifying credit score 783. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.68%.

0411468662

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

Missing current year property tax information for REO property located at XXX.

2.3.19 - Client responded. Property tax information for REO property located at XXX attached.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 751; minimum required credit score per guidelines is 680. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower #1 has been XXX for over 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower #2 has been XXX for over 11 years.

0411468662

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

Missing current year property tax information for REO property located at XXX.

2.3.19 - Client responded. Property tax information for REO property located at XXX.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 751; minimum required credit score per guidelines is 680. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower #1 has been XXX for over 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower #2 has been XXX for over 11 years.

0411468662

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

Income/Employment

Active

B

B

B

B

CRDINC150

Income docs do not meet guidelines

No

Borrower 2 pay includes housing allowance. Approved exception in file based on credit depth 46 trade lines, and strong reserves.

2.3.19 - Client responded - LVAM approved exception - Housing / Clergy Parsonage Allowance. Exception approved under the PCO delegated authority. 2.3.19 - Clayton has reviewed and considers non-material.

2.3.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 751; minimum required credit score per guidelines is 680. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower #1 has been XXX for over 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower #2 has been XXX for over 11 years.

0487899040

XXXXXX

IL

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

Missing copy of unexpired XXX (front and back) for B2.

1.31.19 - Client responded. See attached XXX Feedback Cert - under stipulations, only B1 XXX was required. No employment cited or income used from B2.

1.31.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 14 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 25.28%; guideline maximum is 43%.

0371029564

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:  Representative credit score 806 above program requirement 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 20.216% below program maximum 45.00%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has 5 years same line of work.

0703043433

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:  Maximum DTI allowed 43%, borrowers current DTI is 28.77% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrowers qualifying score is 784

0955751818

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

Numeric material error-CD: XX/XX/XXXX [Last CD], Difference between disclosed amount financed $497,566.26 is higher than amount calculated ( $497,566.26) differnce of $205.40 is in excess of tolerance of $100.00Post Close CD XX/XX/XXXX tested as final CD.  Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.67% below maximum LTV of 80%

0955751818

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

Numeric material error-CD: XX/XX/XXXX [Last CD], Difference between disclosed amount financed $497,566.26 is higher than amount calculated ( $497,566.26) in excess of tolerance of $100.00Post Close CD XX/XX/XXXX tested as final CD.  Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.67% below maximum LTV of 80%

0955751818

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

Missing Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have maintained a lifetime 0 x 30 mortgage payment history CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 66.67% below maximum LTV of 80%

0695285029

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:  796  qualifying score. Min required per guidelines is 720. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower  has been employed for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $157,651.45  or 57.20  months PITIA, guidelines required 12 months PITIA.

0189574691

XXXXXX

UT

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 been on job for over 6 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 6 years

0791423968

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD disclosed finance charges of $393,878.54 per Clayton pay stream calculations, finance charges are $394,055.02, resulting in understated finance charges of $176.48. PC-CD corrects finance charges disclosed. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers resided in current residence for 9+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 794 from the primary wage earner. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI of 26.

0791423968

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection since the 11/25/2018  FEMA Disaster- Wildfires.  Declaration #4407

2.11.19 - PDI provided and no damage.

2.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers resided in current residence for 9+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 794 from the primary wage earner. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI of 26.

0190896581

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:  84 months mortgage payments made as agreed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $96,265.60 = 18 months of PITI payments.  12 months required.

0419575807

XXXXXX

KS

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

1. Employment Verification does not meet guidelines exception; Missing evidence that XXX which provided the 2016/2017 year-end pay stubs to show continuity of bonus income, is the same company as the current employer, XXX, which is reflected on the Final 1003 and VOE stating the borrower has been employed there for the past 5+ years. 2. Income docs do not meet guidelines exception; Missing LOX requested by UW/Lender for justification in using base semi-monthly income calculation for B1 vs. the lower YTD income calculation that the UW Decision Summary states results in a high DTI ; DTI would be 52.89% if the YTD calculation was used.

1.14.19 - Client responded. 1- XXX is the parent company for XXX. Through its subsidiaries, the firm provides XX/XXXX services.  2- LOX (Underwriting Notes) and 2018 pay stubs attached to document and support using base semi-monthly income calculation for B1.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 representative FICO exceeds minimum 680 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 44 months of 0x30 mortgage payments. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV; max 80%.

0419575807

XXXXXX

KS

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

B

A

B

A

CRDINC2340

Employment verification does not meet guidelines

No

Missing evidence that XXX which provided the 2016/2017 year-end pay stubs to show continuity of bonus income, is the same company as the current employer, XXX which is reflected on the Final 1003 and VOE stating the borrower has been employed there for the past 5+ years.  Downgraded to non-material.

1.14.19 - Client responded. 1- XXX is the parent company for XXX. Through its subsidiaries, the firm provides XXXXXX services.  2- LOX (Underwriting Notes) and 2018 pay stubs attached to document and support using base semi-monthly income calculation for B1.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 representative FICO exceeds minimum 680 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 44 months of 0x30 mortgage payments. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV; max 80%.

0419575807

XXXXXX

KS

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

CRDINC150

Income docs do not meet guidelines

No

Missing LOX requested by UW/Lender for justification in using base semi-monthly income calculation for B1 vs. the lower YTD income calculation that the UW Decision Summary states results in a high DTI ; DTI would be 52.89% if the YTD calculation was used.

1.14.19 - Client responded. LOX (Underwriting Notes) and 2018 pay stubs attached to document and support using base semi-monthly income calculation for B1.

1.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 representative FICO exceeds minimum 680 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 44 months of 0x30 mortgage payments. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV; max 80%.

0452570507

XXXXXX

GA

QM: Safe Harbor

QM: Safe Harbor

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

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

No

Verification of 11/18 mortgage payment to XXX for subject property was not located in file.

1.11.19 - Client responded. 12-month mortgage history (VOM) through the credit report was satisfactory. Credit report (attached), see tradeline 17 (XXX Home Mortgage). 36 months of acceptable mortgage history on the borrowers primary residence at XXX prior to the purchase of the subject property (new primary residence) at XXX in 9/2018 was acceptable. XXX details page for property XXX and Closing Disclosure for property XXX attached.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has 20 years same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 24.60% below program maximum 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 800 above program maximum 720.

0467686019

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

Final 1003 reflects borrower renter for past 2+ years and according to guidelines require no 30 day late payments in last 12 months for housing. VOR not in file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  8 years in current profession per application. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  772.  Minimum required is 680.

0879945866

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  20 years in current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  20 years on the job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  20 years on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 mths $63,789Verified Assets for reserves $283,299

0429998559

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:  Loan score of 808 exceeds minimum required score of 720 by 88 points. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional documented retirement income for B2 in file not being used or needed to qualify. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $1,670,757.31 in verified excess reserves.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

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 proof that the XXX HELOC being paid off through this transaction has been paid and closed to future draws; authorization to close account has not been executed as required.

2.15.19 - Client responded. Proof that XXX HELOC has been paid and closed to future draws attached to include executed authorization to close account (line of credit).

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

D

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance Charge understated by 1308.96. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

D

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: 1XX/XX/XXXX [Last CD], Section: Loan Calculations, Field: Amount Financed, Value: 454867.26Field: Amount Financed as Calculated, Value: 453558.30. Difference of $1308.96. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

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: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2343.38CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1707.95CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3002.83CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2367.40CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1918.87CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1283.44Difference is POC of $635.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

D

B

Credit

Assets

Active

B

B

B

B

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing consecutive XXX stmt ending in #XXX dated 9/1/18. UW asset commentary on page 224 states the stmt was provided but it is not in the file.  Printout dated 10/22/18 in on page 366

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

D

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing proof that the XXX HELOC being paid off through this transaction has been paid and closed to future draws; authorization to close account has not been executed as required.

2.15.19 - Client responded. Proof that XXX HELOC has been paid and closed to future draws attached to include executed authorization to close account (line of credit).

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0523046095

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

B

D

B

D

B

C

B

D

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU153

Value Not Supported

No

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

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

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 21.16% below program maximum 70.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $340,253.29  Required reserves $2,638.00*12 mos.=$31,656.00.

0754671658

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing AFB disclosure. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  60% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779 Credit Score CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  6 years on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $44,057Verified Assets for Reserves $76,661.84

0726248637

XXXXXX

NY

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

Need proof of HOA on 2nd home, XXX. The 1003 indicates a total payment of 1,791  P&I and tax and ins of 913.57, for a total payment of 2704.57. The mortgage statement provide and insurance does not match to this. Mortgage does include taxes and the file contains the insurance premium. Missing HOA fees to document total PITIA.

2.14.19 - Client responded. There is no HOA on 2nd home, XXX. Mortgage does include taxes but not insurance. Principal and Interest payment is $1,043.78 ($XXXXXX at X.X% for 30 year maturity) + taxes 748.59 + insurance $164.98 ($1,979.74 / 12) = $XXXX total monthly payment (PITI) - see attachment.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score allowed 720, borrower score 768 CFCFS1737: LTV below guideline requirements - Clayton Comments:  maximum LTV  allowed 70%, loan closed at 53.87%

0726248637

XXXXXX

NY

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: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8530.73CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 7860.30. Difference is POC's of $670.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score allowed 720, borrower score 768 CFCFS1737: LTV below guideline requirements - Clayton Comments:  maximum LTV  allowed 70%, loan closed at 53.87%

0726248637

XXXXXX

NY

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

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 XX/XX/XXXX Estimated Closing Costs Financed(Paid from your loan amount) actual calculation is 695000 - 586349-99550 = positive 9101 not negative

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score allowed 720, borrower score 768 CFCFS1737: LTV below guideline requirements - Clayton Comments:  maximum LTV  allowed 70%, loan closed at 53.87%

0726248637

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Credit

DTI

Satisfied

B

A

B

A

CRDDTI2540

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

No

Need proof of HOA on 2nd home, XXX. The 1003 indicates a total payment of 1,791  P&I and tax and ins of 913.57, for a total payment of 2704.57. The mortgage statement provide and insurance does not match to this. Mortgage does include taxes and the file contains the insurance premium. Missing HOA fees to document total PITIA.

2.14.19 - Client responded. There is no HOA on 2nd home, XXX. Mortgage does include taxes but not insurance. Principal and Interest payment is $1,043.78 (XXXXXX at X.X% for 30 year maturity) + taxes 748.59 + insurance $164.98 ($1,979.74 / 12) = $XXXXX total monthly payment (PITI) - see attachment.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  minimum score allowed 720, borrower score 768 CFCFS1737: LTV below guideline requirements - Clayton Comments:  maximum LTV  allowed 70%, loan closed at 53.87%

0549628197

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:  Qualifying DTI is 24.62%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has been employed by current employer for over 27 years.

0125184062

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

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Borrower is a FTHB and has waived Escrows.Per Non Agency Guidelines p356 MAX DTI for FTHB who waive escrows is 35%Borrowers DTI is at 37.44%, DTI exception is required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $89,230.56Verified Assets for reserves $98,927.06

0298019032

XXXXXX

PA

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 DTI is 35.70%; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have cash reserves in the amount of $209,944.84; 62 months pITI.  Minimum required 12 months PITI

0106966830

XXXXXX

CO

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 13530.97 actual calculation 12835.97 closing costs 13530.97 - POC 695 = 12835.97

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $255,933.39.  Reserves required $3869.79 x 12 = $46,437.48

0106966830

XXXXXX

CO

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

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing signed copy of Payoff and Close letter for XXX #XXX.

2.6.19 - Client responded. See attached Closing disclosure that shows on page 3  XXX loan paid off at closing.  Attached  is the closed out letter sent to the borrower and  title policy that shows no 2nd lien.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 29 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $255,933.39.  Reserves required $3869.79 x 12 = $46,437.48

0131795145

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

Missing Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 809 is 129 points higher than required 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 38.39% is 4.61% less than required 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 9.02 years.

0408069552

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:  19 years in current profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds guidelines of 720

0229633855

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 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been at current job for 13.19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have an 802 credit score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers back end DTI is 18.89%.

0949800671

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

List of homeowners counseling organizations not provided w/in 3 days of application XXX.

2.6.19 - Client responded. Disagree:  Borrower was pre-qualified.  Property selected and address added 11/20.   RESPA reg Z app date is XXX for disclosure Timing.  ** See attached loan notes

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 29.85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score is 776

0949800671

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

Written List of Providers dated XX/XX/XXXX; not provided within 3 days of application date XXX.

2.6.19 - Client responded. Disagree:  Borrower was pre-qualified.  Property selected and address added 11/20.   RESPA reg Z app date is XXX for disclosure Timing.  ** See attached loan notes

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 29.85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score is 776

0949800671

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

Initial LE issued XX/XX/XXXX, per the disclosure data spreadsheet the application date is XXX.

2.6.19 - Client responded. Disagree:  Borrower was pre-qualified.  Property selected and address added 11/20.   RESPA reg Z app date is XXX for LE Timing.  ** See attached loan notes

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Maximum DTI allowed 43%, current DTI is 29.85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed 680, borrower score is 776

0477573620

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

LTV/CLTV

Active

B

B

B

B

CRDLTV3026

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

No

Lender exception approved per Underwriting Decision Summary for LTV lift of 5% and purchase for direct family member.  80% LTV approved on 75% LTV max for 2nd Home, where B1 and B2 are purchasing property for B3's direct occupancy, with all income coming from the non-occupant borrowers.  Offsets: DTI 27.534% with residual income of $21K+.  B1 and B2 own additional properties free/clear and demonstrate ability to manage multiple properties.  34 mo PCL over the required 18 mos. with additional retirement assets no used.  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Same employer for 13 Years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  72 months mortgage payments to XXX made as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800/791/767. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $1,048,512.05 = 182 months of PITI for both financed properties.

0200480362

XXXXXX

CA

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

DTI ratio 47.13%. The lender used $28,676.89 monthly to qualify. Verified $24,667.58 monthly income which is $4,009.31 less than the origination monthly income.   Per UW Summary, Lender calculated income using current year (2018) income.  The UW used 2016/2017 historical Income per guidelines.

2.7.19 - Client responded. Summary of income to include underwriting notes attached. 2.7.19 - Clayton has reviewed and based on additional information in summary has re-calculated income and DTI is no longer an issue.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $175,497.12 reserves required. Verified $484,621.66 or 66.23 months reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been XXX for 8 years and 3 months.

0200480362

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

DTI ratio 47.13%. Maximum DTI ratio allowed per guidelines 45.00%. The lender used $28,676.89 monthly to qualify. Verified $24,667.58 monthly income which is $4,009.31 less than the origination monthly income.  Per UW Summary, Lender calculated income using current year (2018) income.  The UW used 2016/2017 Income per guidelines.

2.7.19 - Client responded. Summary of income to include underwriting notes attached. 2.7.19 - Clayton has reviewed and based on additional information in summary has re-calculated income and DTI is no longer an issue.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $175,497.12 reserves required. Verified $484,621.66 or 66.23 months reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been XXX for 8 years and 3 months.

0502741004

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 needs $51,765.12 for reserves for primary home and departing residence, after closing costs and reserves for loan, borrower has $664,890 additional reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  max 80% LTV allowed, borrower closed at 70%

0436117489

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Satisfied on PC CD dated XX/XX/XXXX . Exception satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years in current Residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 yrs on current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  8 years on current Job CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.51% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $50,927Verified Assets for Reserves $113,287.81

0436117489

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

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 XX/XX/XXXX [Last CD], Loan Calculations, AmountFinanced, $ 690125.20. Amount Financed as Calculated, $ 688829.40. CORRECTED on PCCD XX/XX/XXXX. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years in current Residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 yrs on current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  8 years on current Job CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.51% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $50,927Verified Assets for Reserves $113,287.81

0436117489

XXXXXX

CA

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 XX/XX/XXXX [Last CD], Calculating Cash to Close, Closing Costs Financed - Final, $6656.89CD XX/XX/XXXX [Last CD], Calculating Cash to Close, Clayton Calculation, $ 6134.46CD XX/XX/XXXX, Calculating Cash to Close, Closing Costs Financed - Final, $ 6656.89CD XX/XX/XXXX, Calculating Cash to Close, Clayton Calculation, $ 6134.46CD XX/XX/XXXX, Calculating Cash to Close, Closing Costs Financed - Final, $ 8731.73DIFFERENCE IN Lender's Calculations and eClas is POC - 522.43.  CD XX/XX/XXXX, Calculating Cash to Close, Clayton Calculation, $ 8209.30Please correct with LOE/PCCD.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years in current Residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 yrs on current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  8 years on current Job CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.51% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $50,927Verified Assets for Reserves $113,287.81

0436117489

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

FEMA declared wildfires 11/12/2018, effective 11/25/2018. Appraisal is dated 10/18/2018 and inspection 1004D was completed 11/5/2018. No subsequent inspection provided.

2.7.19 - PDI provided and no damage.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years in current Residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 yrs on current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  8 years on current Job CFCFS1737: LTV below guideline requirements - Clayton Comments:  68.51% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $50,927Verified Assets for Reserves $113,287.81

0792331623

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

The file is missing the required affiliated business disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been in with current employer for 9.8 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 62.58% is 17.42% lower than maximum 80% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's qualifying score of  801 exceeds lender requirements of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 16.91% is 26.09% less than required 43%.

0430849406

XXXXXX

FL

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: Calculating cash to close; closing costs financed is off by $504.43 the amount of the POC.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 19 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 44.29%. Maximum LTV is 70% CFCFS1739: Postive mortgage payment history - Clayton Comments:  no current or previous derogatory mortgage pay history

0303140004

XXXXXX

NJ

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

Missing Documents to Perform ATR/QM Review. Missing verification of escrows (taxes and insurance) for the departing residence. Payment must be included into DTI.

2.27.19 - Client responded. Per loan application, borrower's departure residence at XXX was pending sale and scheduled to close after this loan closed.  Lender's online mortgage records for XXX) reflects total payment amount of $3636.56 includes taxes $1322.26 and insurance $170.33 (printout attached).  Appraisal in lender's file indicates property is a single family residence with no HOA fees disclosed by appraiser (page one of the appraisal attached). The loan was paid in full per lender correspondence dated XX/XX/XXXX (attached).  A copy of the settlement statement was not required as the full PITI payment for the property was included in qualifying ratios.

2.27.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 798; minimum required credit score per guidelines is 680. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 18.42%; max allowed DTI per guidelines is 43%.

0303140004

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

B

A

A

A

D

A

D

A

B

A

A

A

D

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI2540

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

No

Missing verification of the following components of non-subject located at XXX.) a copy of the current hazard insurance policy. 2.) a copy of the most recent year tax bill. 3.) a copy of the month recent HOA assessments (if applicable). If taxes and insurance are escrowed, a copy of the most recent mortgage statement, along with the escrow analysis is required.

2.27.19 - Client responded. Per loan application, borrower's departure residence at XXX was pending sale and scheduled to close after this loan closed.  Lender's online mortgage records for XXX) reflects total payment amount of $3636.56 includes taxes $1322.26 and insurance $170.33 (printout attached).  Appraisal in lender's file indicates property is a single family residence with no HOA fees disclosed by appraiser (page one of the appraisal attached). The loan was paid in full per lender correspondence dated XX/XX/XXXX (attached).  A copy of the settlement statement was not required as the full PITI payment for the property was included in qualifying ratios.

2.27.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 798; minimum required credit score per guidelines is 680. CFCFS2860: Good credit history - Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is at 18.42%; max allowed DTI per guidelines is 43%.

0927681403

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 employed with XXX for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38%. Max DTI for this program is 43%.

0758412649

XXXXXX

OR

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

Loan file is missing verification of employment for borrowers' previous employment.  Verify 2 years employment and address any gaps that exceeds guidelines for B1 and B2.

2.6.19 - Client responded. Missing documents to complete the ATR/QM review attached. 1- Summary of employment/income for B1 (2 attachments). Gap in employment did not affect employment stability. Borrower has been in the same line of work for 17 years. 2- Two-year employment history for B2 attached. Gap in employment did not affect employment stability. Borrower changed jobs to advance in the same line of work. Last day at XXX was 10/12/18; start date at XXX 12/03/18.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  14.30% DTI CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.70% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 FICO

0758412649

XXXXXX

OR

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

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Spl disclosure not in file. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  14.30% DTI CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.70% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 FICO

0758412649

XXXXXX

OR

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

CRDINC2408

Income verification does not meet guidelines

No

Loan file is missing verification of employment for borrowers' previous employment.  Verify 2 years employment and address any gaps that exceeds guidelines for B1 and B2.

2.6.19 - Client responded. Verification of borrowers' previous employment attached. 1- Summary of employment/income for B1 (2 attachments). Gap in employment did not affect employment stability. Borrower has been in the same line of work for 17 years. 2- Two-year employment history for B2 attached. Gap in employment did not affect employment stability. Borrower changed jobs to advance in the same line of work. Last day at XXX was 10/12/18; start date at XXX 12/03/18.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  14.30% DTI CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.70% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 FICO

0396874281

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:  $287,000.97 in total assets documented.  Effective amount is $277,379.07, with liquid assets of $262,946.23.  Post close reserves are $105,465.71.  Reserves required $5,139.12 x 12 = $61,669.44. CFCFS1744: DTI below guideline requirement - Clayton Comments:  21.19% DTI

0568546164

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:  786 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  28.04% DTI is below guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $46,576Verified Assets for Reserves $114,603.27

0126660295

XXXXXX

AZ

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

The required Affiliate Business Disclosure is missing from file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $42,406.68Verified Assets for Reserves $483.695.40 CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.94% DTI

0056137703

XXXXXX

NC

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

Missing further explanation and clarity for employment Gap from 11/15/16 (resigned from prior employment at XXX per borrower's LOX) to current job (accepted offer 2/2018 at XXX and started 5/17/18 per LOX).  There are discrepancies in the borrowers LOX, initial and Final 1003s with employers start/end dates and W2s from 2016-2017. 2016/2017 W2s are from 1. XXX and 2. XXX.  LOX from borrower states resigned from XXX on 11/15/16 (no verification of employer or income from that source) and accepted offer at XXX in February 2018 (no offer letter provided to verify acceptance of offer).  LOX explains credentialing took several months and start date per VOE is 5/17/18.Final 1003 reflects borrower employed at XXX from 9/3/13-11/15/17 which does not match the W2s provided or the LOX from borrower stating she resigned from that job on 11/15/16.

2.7.19 - Client responded. Employment history to include prior employment at XXX (dates of employment 9/2013 - 11/2017) attached. Employment gap from 11/2017 - 5/2018 was due to relocating from NJ to NC.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $43,651Verified Assets for Reserves $76,882

0056137703

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Credit/Mtg History

Satisfied

B

A

B

A

CRDCRMH193

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

No

Missing VOR form and additional verification for rental payment history; borrower LOX reflects paying rent for 4 months (Nov, Feb, March, May) and currently lives rent free (May to August).  Borrower stated that rent payments were shared (no verification) and UW Decision Summary states borrower rented in XXX for just over 2 years previously and a full housing history would be obtained (not provided in file).

2.7.19 - Client responded. VOR attached to include cancelled checks and borrower correspondence. VOR supports rental history from 10/2015 - 12/2017 paid as agreed; no late history.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $43,651Verified Assets for Reserves $76,882

0056137703

XXXXXX

NC

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

CRDINC150

Income docs do not meet guidelines

No

Decline in income from 2016 ($9,855.12/mo.) vs. 2017 ($5,087.91/mo.) per W2s is over a 48% decline (previous employer).  The current income is $8,810/mo. per pay stub with employer discrepancies noted across the documentations for the past 24 months.  Borrower's DTI is 41.88% and decline from 2016 to 2017 was not justified (explained) by the UW Decision Summary.

2.7.19 - Client responded. Summary of income to include underwriting notes and employment history (2 attachments).

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $43,651Verified Assets for Reserves $76,882

0056137703

XXXXXX

NC

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

CRDINC890

Employment is Unsupported by Documentation in File

No

Missing further explanation and clarity for employment Gap from 11/15/16 (resigned from prior employment at XXX per borrower's LOX) to current job (accepted offer 2/2018 at XXX and started 5/17/18 per LOX).  There are discrepancies in the borrowers LOX, initial and Final 1003s with employers start/end dates and W2s from 2016-2017. 2016/2017 W2s are from 1. XXX and 2. XXXLOX from borrower states resigned from XXX on 11/15/16 (no verification of employer or income from that source) and accepted offer at XXX in February 2018 (no offer letter provided to verify acceptance of offer).  LOX explains credentialing took several months and start date per VOE is 5/17/18. Final 1003 reflects borrower employed at XXX from 9/3/13-11/15/17 which does not match the W2s provided or the LOX from borrower stating she resigned from that job on 11/15/16.

2.7.19 - Client responded. Employment history to include prior employment at XXX (dates of employment 9/2013 - 11/2017) attached.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $43,651Verified Assets for Reserves $76,882

0234154334

XXXXXX

OR

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 28.38%, max per guideline is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 representative credit score exceeds guideline requirement of 680.

0653073936

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

Required Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  546,097.47  post closing cash reserves; or 62.28 months PITIA all properties.  12 months PITIA required for all properties owned. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  750 qualifying score. Min required per guidelines is 720.

0199151479

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

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current employer for 13.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been Employed with the current employer for 15.95 years.

0199151479

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

CRDINC2408

Income verification does not meet guidelines

No

Missing 2016 W2 for B2.  Per Lender's UDS (pg 248), UW discretion for borrower not having a 2016 W2.  Per LOE, in file, B2 left job in 2014 and then returned to work at same company in January 2017.  UW indicated that with B2's combination of a 23 mos history of employment with the same employer prior to leave is a good indication that customer has the loyalty from employer and vice versa.  No other compensating factors stated.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been Employed with the current employer for 13.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been Employed with the current employer for 15.95 years.

0075648875

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:  751 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $58,716Verified Assets for Reserves $164,067.33 of which approx. $126k is retirement assets.

0526342277

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

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 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 613.64CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 0.00. Difference is POC's.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $99,273.87  post closing cash reserves. 12 months PITIA required (3938.66*12) = $47,263.92 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current job for 19.73 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 789 credit score. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been in current residence for 14 years.

0436826166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD: XX/XX/XXXX Finance charge understated a difference $610.07. Post Close CD XX/XX/XXXX - tested as final CD and exception has satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory items on credit report. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments.

0436826166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

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: XX/XX/XXXX Amount Financed is 483773.22 Post Close CD XX/XX/XXXX - tested as final CD and exception has satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory items on credit report. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments.

0436826166

XXXXXX

CA

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

CMPTRID3706

TRID - Curable Issue #1 related to the Closing Disclosure in file

No

Post Close CD XX/XX/XXXX - Closing information the file number is not listed.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory items on credit report. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments.

0436826166

XXXXXX

CA

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

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Missing Seller CD.

1.31.19 - Client responded. Disagree:  Seller CD attached

1.31.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory items on credit report. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments.

0436826166

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Seller purchased property for $XXX  inXX/XX/XXXX. Approved exception in file for flip transaction based on residual income, and low ratios.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory items on credit report. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 0 late mortgage payments.

0045813220

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.56 years.

0045813220

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

CRDAST3036

Assets reflect unsourced deposits

No

Borrower used business funds to meet PCL. Lender approved exception based on high residual income, low DTI of 34%, and equity in RE portfolio.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.56 years.

0045813220

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

Transaction is a flip. Approved lender exception in file based on low DTI of 34%, residual income and strong equity in RE portfolio.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 10.56 years.

0536315948

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Final CD XX/XX/XXXX Finance charge understated $2,616.62. Missing list of fees included in APR and breakdown of credits when applicable. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves are $569,437.75 ($325,451.14 retirement).  Reserves required $4,104.56 x 6 = $24,627.36 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for 13 years.

0536315948

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed

No

CD: XX/XX/XXXX [Last CD], Section: Loan Calculations, Field: Amount Financed, is listed as $638,137.00 and review Amount Financed as Calculated, equals $635,520.38.  A difference of $2,616.62.  Missing list of fees included in APR and breakdown of credits when applicable. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post closing reserves are $569,437.75 ($325,451.14 retirement).  Reserves required $4,104.56 x 6 = $24,627.36 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for 13 years.

0471297979

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:  Per 1065's 24 years XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $55,606Verified Assets for reserves $346,566 CFCFS1744: DTI below guideline requirement - Clayton Comments:  9.9% DTI

0612386188

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

Finance Charge Tolerance

Satisfied

C

B

C

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

CD XX/XX/XXXX Loan Calculations, - AmountFinanced, $ 551,272.24 Amount Financed as Calculated, $ 547,600.24a difference of $ 3,672. Seller paid closing costs on final CD , Borrower paid Closing costs on PCCD , please provide a fee detail sheet for CD's after XX/XX/XXXX CD signed by borrower.

2.7.19 - Client responded. Disagree: The post-consummation CD referenced was issued by XXX for fee validation.  Was not provided to the borrower.  Consummation CD issued by XXX reflects the accurate loan terms and page 5 calculations.2.7.19 - Clayton has reviewed; to clear this we need documentation to support finance charge fees for PCCD dated XX/XX/XXXX. Please provide breakdown for comparison. 2.12.19 - Client responded. 2/9/19:  Attached fee itemization.  Borrower paid non APR Appraisal and credit report.  Only APR fee is prepaid interest. CD issued by XXX was for their internal use and not provided to borrower.  CD executed by borrower reflects accurate loan calculations.  XXXXX will not remediate. 2.12.19 - Clayton has reviewed. Last two PCCD's provided and dated XX/XX/XXXX have been removed as not delivered to borrower per client.

2.7.19 - Exception remains. 2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

CMPTRID4301

TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain different values for Deposit but Did This Change? = No

No

The LE and CD columns of the CD Calculating Cash to Close table contain different values for Deposit.Provide post-consummation CD within 60 days of the consummation date

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

B

B

B

B

CMPTRID4222

TRID - CD: The Closing Costs amount in the CD Costs at Closing section does not equal its component parts

No

CD XX/XX/XXXX: Section Cost at closing; the closing cost total amount on the CD $10,487.49 does not equal to system calculation $10,472.06. Calculation is off by $15.43.CD XX/XX/XXXX.3: Section Cost at closing; the closing cost total amount on the CD $10,884.45 does not equal to system calculation $10,869.02. Calculation is off by $15.43. Please provide a PCCD within 60 days of discovery.

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

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

CD dated XX/XX/XXXX: Section Calculation cash to Close Down Payment/Funds from borrower in the LE column of the CD is $0,Calculating Cash to Close table is different from the value disclosed on the last LE $138,000. Provide post-consummation CD within 60 days of the consummation date.

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

B

B

B

B

CMPTRID4291

TRID - CD: The Loan Costs as stated in the CD Costs at Closing section does not match the Total Loan Costs as stated in the CD Loan Costs section

No

CD XX/XX/XXXX,and CD XX/XX/XXXX:  Section: Costs At Closing, Value: $4,588.00 does not match the loan cost value $4603.43.Please provide redisclosed CD within 60 days of discovery

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

B

B

B

B

CMPTRID4297

TRID - CD: The final Deposits amount from the CD Calculating Cash to Close section does not match the Deposits stated in the CD Summaries of Transactions section

No

The final Deposits amount $ 10,000 from the CD Calculating Cash to Close section does not match the Deposits stated in the CD Summaries of Transactions section $140511.26. This PCCD seems to be a different version of CD than the final CD. Please provide a LOX and redisclosed CD within 60 days of discovery.

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

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

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 $15,354.Provide post-consummation CD within 60 days of the consummation date.

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

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 XX/XX/XXXX [Last LE], Calculating Cash To Close, Estimated Cash to Close, $ 153354CD XX/XX/XXXX & CD XX/XX/XXXX Calculating Cash to Close, Cash to Close - Loan Estimate, $ No ValuePlease provide any missing LE's if applicable, or corrected Post CD with corrected Total Closing Costs in LE column of Cash To Close with LOE and proof of delivery

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0612386188

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

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 & CD XX/XX/XXXX, Other Cost Section is not properly formatted.Section F & G - Hazard Insurance does not have the number of months prepaid.Please correct with LOE/PCCD.

2.12.19 - Client responded. CD issued by XXX was for their internal use and not provided to borrower.

2.12.19 - Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 Credit score is 101 points above the minimum required score of 680. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked in the same profession for 18 years.Co-Borrower has worked in the same profession for 17 years.

0950999794

XXXXXX

VA

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

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Final CD XX/XX/XXXX Other Costs section, Field H: Sellers portion of real estate broker fees is required to appear.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 21 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.20%. Maximum DTI is 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower earns positive schedule C income not being used to qualify

0950999794

XXXXXX

VA

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

CRDCRMH124

Collections, Liens, etc. not paid as required by guidelines

No

Approved Lender Exception for Collection for $1,058 with XXX, which borrower is disputing.   Compensating factors used to approve exception: all other accounts paid as agreed including rent, high residual income, 28.20% DTI, in profession for 21 years, high post liquid reserves.  Clayton considers non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 21 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.20%. Maximum DTI is 43% CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower earns positive schedule C income not being used to qualify

0988861023

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 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 502.29CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 464.60. Difference is POC's of $37.69.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  729 qualifying score. Min required per guidelines is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.19% LTV below max 80% allowed

0693207177

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:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  B2 have been in the same profession for 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score required is 720, borrower has a 773 which is 53 points above the guideline requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $273,680.47. Reserves required $4223.74 x 12=$50,684.88. 64.79 months reserves.

0859110371

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

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

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 Credit Score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Per VVOE , 22 years on the job CFCFS1737: LTV below guideline requirements - Clayton Comments:  64.79 LTV CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.63% DTI

0586527468

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

Missing VOR for the XXX,

2.6.19 - Client responded. VOR for XXX attached.

2.6.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score allowed 680, borrower score was 768 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required by borrower is $119,518.32, borrower has $325,221.30

0029352421

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

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 Closing Costs financed (paid from you loan amount) value is $10,938.41. Review calculates total to be $10,302.98. Lender includes 635.43 dollar POC fees.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.79% DTI below max 43% allowed CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 12 years.

0029352421

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

CMPTRID4352

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

No

Refers to all CD's: Section: Other Costs, Field: Is the Other Cost section properly formatted Recording fees are not itemized. Please provide a revised CD that itemizes the recording fees in other cost section E. Revised CD and LOX to borrower.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.79% DTI below max 43% allowed CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 12 years.

0029352421

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

Legal Documents

Satisfied

D

A

D

A

CRDLGL137

Missing copy of 2nd lien Note (subject is 1st lien)

No

Missing copy of executed 2nd Lien Note/HELOC Line Agreement for the simultaneously closed HELOC, in the amount of $XXXXXX, and confirm monthly qualifying payment.

2.14.19 - Client responded. See attached signed 2nd mortgage Note.

2.14.19 -Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.79% DTI below max 43% allowed CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 12 years.

0894412442

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

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

38.01% DTI exceeds the  max of 35% when scrows are waived on FTH, per Non Agency Guidelines page 356.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  789 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $46,839Verified Assets for Reserves $221,447

0231358503

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

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 LOX for GAP over 30 days from prior employment (Final 1003 reflects end date 5/31/18) to current employment VOE start date 8/6/18; guides require explanation from borrower for Gaps in employment over 30 days within the past 2 years.

2.13.19 - Client responded. Gaps in employment did not affect employment stability or continuance. Borrower changed jobs to advance in the same line of work. Per the 1003, B1 has been in the same profession over 10 years. Employment history and underwriting notes attached. 2.13.19 - Clayton has reviewed and LOE from underwriter provided to explain work history and employment gaps.

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.95% DTI; max per FTHB 35%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 10 years.

0231358503

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

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:  25.95% DTI; max per FTHB 35%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 10 years.

0231358503

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Credit/Mtg History

Active

D

B

D

B

CRDCRMH149

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

No

Lender exception approved noted for Missing evidence of VOR reflecting 0x30x12; Lender exception approval noted on UW Decision Summary- Borrower's are FTHB purchasing O/O property.  All down payment is in the form of gift from parents.  Borrower's have no rental history and no formal lease due to renting month to month from relative and paying cash.  Evidence of withdrawals from acct but no evidence for rent.  Offsets/Compensating factors; debts paid as agreed for the past few years, minimal credit users, B2 has over 10 years at current job, low LTV and DTI.

2.13.19 - Client responded. LVAM approved exception - No mortgage/rental payment history. Exception approved under the PCO delegated authority. 2.13.19 - Clayton has reviewed and based on compensating factors considers non-material based on compensating factors of 10 years on current job and DTI of 25.95%.

2.13.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.95% DTI; max per FTHB 35%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 10 years.

0231358503

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

B

D

B

D

B

A

A

D

B

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2340

Employment verification does not meet guidelines

No

Missing LOX for GAP over 30 days from prior employment (Final 1003 reflects end date 5/31/18) to current employment VOE start date 8/6/18; guides require explanation from borrower for Gaps in employment over 30 days within the past 2 years.  Downgraded to non-material.

2.13.19 - Client responded. Gaps in employment did not affect employment stability or continuance. Borrower changed jobs to advance in the same line of work. Per the 1003, B1 has been in the same profession over 10 years. Employment history and underwriting notes attached. 2.13.19 - Clayton has reviewed and LOE from underwriter provided to explain work history and employment gaps.

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.95% DTI; max per FTHB 35%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with employer for 10 years.

0616285731

XXXXXX

NC

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

CRDAST205

Insufficient Funds to Close

No

Missing evidence of additional funds of $2,288.87 required to close or evidence of liquidation of funds from investment account; $151,619.25 required to close with only $149,330.38 liquid funds verified by review.  Underwriting Decision Summary does not justify in writing the judgement for considering the borrowers investment account as liquid (Non-Agency UW Guidelines pg. 165).  Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  782 Credit score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.75% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $46,140Verified Assets for Reserves $140,473.28

0531913790

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 profession for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 14 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has maintained a lifetime 0 x 30 mtg payment history.

0398458218

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

CRDINC3204

Income Documentation Missing

No

Lender to provide Signed Final 4506-T. Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  809 Credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $39,709Verified Assets for Reserves $59,481

0334441728

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:  Qualifying DTI is 17.63%; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have cash reserves in the amount of $174,417.76; 42 months PITI.  Minimum required 12 months PITI.

0591932877

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 16 years and Co-borrower for 22 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at departing residence for 12.05 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV is 85%; borrowers have a 50.51% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  1,138,004.81 post closing cash reserves; 326.64 months PITIA subject or 180.36  months PITIA all properties.  12 months PITIA required.

0574593765

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

Finance Charge Tolerance

Satisfied

C

B

C

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

The finance charge is under disclosed by $11,964.82 due to including PCCD XX/XX/XXXX in testing. Prepaid interest, title-closing/escrow, and discount points were applied towards APR. Clarification is needed if PCCD XX/XX/XXXX was issued and delivered to the borrower or if this is a draft CD that was not delivered to the borrower. Seller CD shows seller credit for 10,000.00 not shown on CD'S

2.4.19 - Client responded. "Disagree:  The correct loan amount based on the NOTE is $XXXXXXXX  File contains six closing disclosures with an incorrect loan amount for$XXXXXXXX NONE of these six closing disclosures are Post-consummation closing disclosures  NONE of these six closing disclosures were signed  The Date Issued is incorrect for all six of these closing disclosures based on the time-stamp o 001 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 002 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 003 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 004 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 005 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 006 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX The borrower(s) were not provided closing disclosures that contained incorrect information post-consummation. ** See attached YourLoanTracking"2.4.19 - Clayton has reviewed and Loan Tracking supports PCCD's dated XX/XX/XXXX were never sent to borrower.

2.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 774 exceeds guidelines requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 5 year 10 months stable employment history

0574593765

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

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, Loan Costs Section B Payee names missing.  Exception cancelled in Post CD XX/XX/XXXXCD: XX/XX/XXXX, Other Costs Section H Payee name missing. Exception cancelled in Post CD XX/XX/XXXX Exception satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 774 exceeds guidelines requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 5 year 10 months stable employment history

0574593765

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

A

C

A

CMPTRID3658

TRID -  Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

APR increased beyond threshold. PCCD XX/XX/XXXX increased APR to 4.449% from 4.23%.

2.4.19 - Client responded. "Disagree:   Disagree with contention that a Post-consummation CD increased the APR to 4.449% File contains six closing disclosures with an incorrect loan amount for $XXXXXXXX NONE of these six closing disclosures are Post-consummation closing disclosures The Date Issued is incorrect for all six of these closing disclosures based on the time-stamp All of these closing disclosure were created prior to consummation based on the time-stamp  The closing disclosure with APR 4.449% has a time-stamp for XX/XX/XXXX  All closing disclosures (with correct and incorrect loan amount) were created on or after 1XX/XX/XXXX and disclosed an APR of 4.23% Consummation occurred XX/XX/XXXX  An additional 3 day waiting period was not required as the APR did not increase above the allowable tolerance"2.4.19 - Clayton has reviewed and Loan Tracking supports PCCD's dated XX/XX/XXXX were never sent to borrower.

2.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 774 exceeds guidelines requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 5 year 10 months stable employment history

0574593765

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

A

C

A

CMPTRID4381

TRID - CD: CD does not reflect the terms of the legal obligation or is not a in good faith based on best info available

No

PCCD XX/XX/XXXX Loan amount disclosed as $XXXXXX and P&I as 4,722.63%, Note loan amount is $XXXXXX and P&I as $4,707.07. Clarification is needed as to whether or not PCCD XX/XX/XXXX is a draft or if it was delivered to the borrower.If PCCD XX/XX/XXXX was delivered to the borrower a corrected Note, Mortgage and other applicable items may be required.

2.4.19 - Client responded. "Disagree:  The correct loan amount based on the NOTE is $XXXXXXXX  File contains six closing disclosures with an incorrect loan amount for $XXXXXXXX NONE of these six closing disclosures are Post-consummation closing disclosures  NONE of these six closing disclosures were signed  The Date Issued is incorrect for all six of these closing disclosures based on the time-stamp o 001 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 002 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 003 Date Issued XX/XX/XXXX Time-stamp/print date 1XX/XX/XXXX o 004 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 005 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX o 006 Date Issued XX/XX/XXXX Time-stamp/print date XX/XX/XXXX The borrower(s) were not provided closing disclosures that contained incorrect information post-consummation. ** See attached YourLoanTracking"2.4.19 - Clayton has reviewed and Loan Tracking supports PCCD's dated XX/XX/XXXX were never sent to borrower.

2.4.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 774 exceeds guidelines requirement of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 5 year 10 months stable employment history

0770318425

XXXXXX

NJ

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

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 9.23 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 33.70% DTI.

0770318425

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Assets:Reserves are $45,784.48($34,758.52 retirement).  Net : $11,025.96Borrower does not meet reserve requirement.Per Guidelines, Borrowers may utilize retirement assets to meet 50% of the transaction post-closing  reserve requirements unless they have penalty free access

2.19.19 - Client responded. Appears liquid assets were sufficient to meet reserve requirements. An additional $15k deposit was released to the borrower for the sale of their departure residence (see purchase agreement). This initial $15k was then adjusted from the total net proceeds due to the borrower ($59,994.93 + $15k = $74,994.93). Purchase agreement and settlement statement for departure residence at XXX attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 9.23 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 33.70% DTI.

0294828765

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 Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 192.05 actual calculation 0.782800 - 779350.39 - 3892.99 -192.05 + 635.43 =0

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 Credit score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  22 years on the job per Vvoe CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves 12 months x 6515.77 = $78,189.24Verified Assets for Reserves $580,176.32

0603057015

XXXXXX

NC

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.

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower have been on current job for 23.34 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 22.17 years

0796419736

XXXXXX

ID

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $2245.91. Review calculates total to be $1,592.48. Difference is POC's of $653.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same profession for years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 785. Minimum credit score required 720

0796419736

XXXXXX

ID

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

Missing a complete mortgage payment history for XXX #XXX and XXX #XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same profession for years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 785. Minimum credit score required 720

0796419736

XXXXXX

ID

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 Maximum cash out allowed for subject transaction $350,000. The final CD indicates cash out to borrower $483,407.52. Exception granted in file limited max cash out to $500,000. Compensating factors of low ratios, large equity in REO owned, and borrower can pay loan in full. Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same profession for years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score 785. Minimum credit score required 720

0097576902

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

CRDCRMH149

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

No

Missing rental history-exception approved imaged page 194 based on low ratios of 15.98%, additional income not used to qualify, low LTV of 44.19% and 23 year job time

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15.98% CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% LTV allowed, borrower LTV is 44.18%

0141928871

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

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:  11 years on the job per Vvoe CFCFS1736: Significant time at current residence - Clayton Comments:  9 years in current resident CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower gets RSU income which is not being used to qualifyBeing used as a comp factor, YTD $28,697.11 (2,657.13 per mth) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES Required 12 months $44,608 Verified Assets for Reserves are $664,867 of which $521,006.40 is retirement.

0255740278

XXXXXX

FL

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:  70% LTV is 10 points below the maximum  allowable LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 812; minimum required credit score per guidelines is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by the same company for over 13 years.

0028789415

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:  7 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  757 credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $59,248.20Verified Assets for Reserves $112,770.85

0612726724

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:  795 Credit Score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  22 years on the job per Vvoe CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 gets OT and Bonus that is not being used to qualify.Being used as a Com Factor, YTD OT $29,682, + YTD Bonus $12,454 / 10.5 = $4,012 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $35,608Verified Assets for Reserves $183,252($136,852.16 are retirement).

0339577423

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

CMPTRID4320

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

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 7255.06 actual calculation 6840.11 closing costs 7345.54 - POC 505.43 = 6840.11

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 14.82 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 15.38 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current home for 13.53 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months.

0339577423

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

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

B1 2016 W-2 is not legible. Provide clear copy.

2.19.19 - Client responded. B1 2016 W-2 attached.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 14.82 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 15.38 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current home for 13.53 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months.

0339577423

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

Legal Documents

Satisfied

D

A

D

A

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing proof that HELOC with XXX has been closed to future draws. (Payoff and Close form in file not signed.)

2.14.19 - Client responded. See attached Title Policy showing no 2nd mortgage attached to the subject property.  And Closing Disclosure shows 2nd paying off.

2.14.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 14.82 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 have been on current job for 15.38 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current home for 13.53 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months.

0735792866

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

CRDCRMH149

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

No

Borrower is a first time home buyer with  no rental payment history.  Currently reside with family rent free.  Approved exception is in file (pg 193).  Borrower has substantial reserves, FICO score above 800, indicating that she has an excellent payment history.  All tradelines are paid as agreed, revolving debt is low.  ATR is supported with DTI less than 40% and solid residual income of $7000/month.  Borrower has 20 years in same profession.  Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at same employment for 20.4 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession 21.0 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 801 is 101 points higher than required 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 36.06% is 6.94% less than required 43%.

0047392994

XXXXXX

NM

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

CRDCRMH193

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

No

Borrower missing rental history documentation from 12/17-7-18. Lender approved exception in file based on history of savings

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93,552.60 post closing cash reserves; 35.54 months PITIA subject and 15.90 months PITIA/Rental for both properties.6 months PITIA required for both properties. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 21.47 years.

0047392994

XXXXXX

NM

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

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

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

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  93,552.60 post closing cash reserves; 35.54 months PITIA subject and 15.90 months PITIA/Rental for both properties.6 months PITIA required for both properties. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 21.47 years.

0870687394

XXXXXX

TX

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 2017 K1 from XXX listed on 2017 Sch E 1040 tax return.

2.19.19 - Client responded. 2017 K-1 from XXX was not required. 2017 K-1 Reconciliation and Partner's Basis Worksheets attached. $150 non-passive loss was minimal and had little to no impact on the final income.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current employer for 9.23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 766 exceeds required score of 720 by 46 points. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with current employer for 13.64 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $144,657.93 exceed required 12 months reserves of $59,977.08.

0870687394

XXXXXX

TX

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 XX/XX/XXXX Closing Costs financed (paid from you loan amount) value is $11,338.48. Review calculates total to be $10,643.48. Difference is POC's of $695.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current employer for 9.23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 766 exceeds required score of 720 by 46 points. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with current employer for 13.64 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $144,657.93 exceed required 12 months reserves of $59,977.08.

0870687394

XXXXXX

TX

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Application

Satisfied

C

A

C

A

CRDAPP131

Occupancy status not supported by file documentation

No

Missing explanation to clarify why rental income for subject property appears on borrowers 2017 1040 tax return schedule E.

2.19.19 - Client responded. Explanation (loan notes) attached, borrowers own a garage apartment on their property as well (XXX).

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current employer for 9.23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 766 exceeds required score of 720 by 46 points. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with current employer for 13.64 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $144,657.93 exceed required 12 months reserves of $59,977.08.

0870687394

XXXXXX

TX

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

Missing 2017 K1 from XXX listed on 2017 Sch E 1040 tax return.

2.19.19 - Client responded. 2017 K-1 from XXX was not required. 2017 K-1 Reconciliation and Partner's Basis Worksheets attached. $150 non-passive loss was minimal and had little to no impact on the final income.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current employer for 9.23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 766 exceeds required score of 720 by 46 points. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed with current employer for 13.64 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in current residence for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $144,657.93 exceed required 12 months reserves of $59,977.08.

0081215604

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 is missing from the file.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 26 months cash reserves. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers have bonus income totaling $4,416.66 per month not used to qualify.

0588419744

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

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

PCCD dated XX/XX/XXXX corrects finance charge issue. Exception Satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  12 years in current Resident CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years on the job CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.44 LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  812 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.25% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $45,575Verified Assets for Reserves $94,166

0588419744

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

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

CD XX/XX/XXXX Closing Costs Financed (Paid from your loan amount) value of  $(8,964.76) does not match reviews calculation of $8,442.33. PCCD XX/XX/XXXX corrected closing costs financed (paid from your loan amount). Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  12 years in current Resident CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years on the job CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.44 LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  812 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.25% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $45,575Verified Assets for Reserves $94,166

0588419744

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

Satisfied

C

A

C

A

CMPTRID4381

TRID - CD: CD does not reflect the terms of the legal obligation or is not a in good faith based on best info available

No

PCCD XX/XX/XXXX  loan amount of $XXXXXX, Monthly P&I of $2,681.08 do not match the Note terms loan amount of $XXXXXX and Monthly P&I of $2,663.86. Proof of delivery for the PCCD XX/XX/XXXX is needed to determine if the PCCD was in fact delivered to the borrower. Furthermore, clarification is needed as to whether or not PCCD XX/XX/XXXX was a draft or a valid CD. If PCCD is valid a corrective note, mortgage and other pertinent documents are required to re-test compliance.

2.15.19 - Client responded. Disagree: CD with Date Issued XX/XX/XXXX is the initial CD issued on 12/11 per eTracking. This is identifiable by the document generation information in the footer and lower right corner of the CD. This CD appears to reflect the initial loan terms that were changed as the loan proceeded through the closing process. Consummation CD with Date Issued of XX/XX/XXXX is accurate and matches Note terms.  See CD Image page1 and eTracking information.  CD was included in package 001,

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  12 years in current Resident CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years on the job CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.44 LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  812 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.25% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $45,575Verified Assets for Reserves $94,166

0588419744

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

Income/Employment

Active

B

B

B

B

CRDINC2408

Income verification does not meet guidelines

No

Not able to read B1 ( XXX)  Paystubs, used Lender Calculation of $20,642.80 per monthLender to provide Readable Paystub from Full Time Job with XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  12 years in current Resident CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years on the job CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.44 LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  812 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.25% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $45,575Verified Assets for Reserves $94,166

0454104385

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

CRDAST3036

Assets reflect unsourced deposits

No

Gift Letter for $75K is missing source of assets used by donor; required per guides on gift letters.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline requirement of 720 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 2 is currently employed income docs in file not using to qualify for loan

0454104385

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

Missing proof of April 2018 rent payment in the amount of $2600

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline requirement of 720 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower 2 is currently employed income docs in file not using to qualify for loan

0398896465

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

Missing page 2 of XXX 11/21/2018 bank statement.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 have been on current job for 42.90 years CFCFS1736: Significant time at current residence - Clayton Comments:  B2 have resided in current residence for 43.56 years CFCFS2854: Significant time in profession - Clayton Comments:  B1 have been in the same profession for 42.90 years

0843627273

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

Documentation

Active

B

B

B

B

CMPDOC2500

Some funds escrowed based on written agreement for completion of improvements to property

No

Lender to provide proof the Escrow Holdback funds have been disbursed and work completed. Subject was model home and garage needs to be put back to functioning garage.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 credit score CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.27% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $49,146.24Verified Assets for reserves $115,337.34

0843627273

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

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

Section K line 4 of the Summaries Transaction Section is included in the adjustments and other Credits field on the Cash to Close table. Please provide a revised CD that does not include line 4 in the adj/credits on the calculating cash to close table. Revised CD and LOX to be sent to borrower,

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 credit score CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.27% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $49,146.24Verified Assets for reserves $115,337.34

0843627273

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

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender exception approved noted on Underwriting Decision Summary for short liquid PCL by 4.7 months.  Offsets: Low DTI ratios, high monthly residual income, high retirement savings, minimal debt usage. Based on compensating factors deemed non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 credit score CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.27% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $49,146.24Verified Assets for reserves $115,337.34

0843627273

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

In current residence for 6 months, 6 month cancel checks in the loan file. Missing VOR for previous Address

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 credit score CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.27% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $49,146.24Verified Assets for reserves $115,337.34

0843627273

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

Lender exception approved noted on Underwriting Decision Summary for B2 has insufficient credit.  Offsets: Low DTI ratios, high monthly residual income, high retirement savings, minimal debt usage. Based on compensating factors considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 credit score CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.27% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $49,146.24Verified Assets for reserves $115,337.34

0843627273

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

CRDINC890

Employment is Unsupported by Documentation in File

No

Per Lender Notes B2 has a 2 months Employment Gap, Missing Gap of Employment LOE.  Considered non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  785 credit score CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.27% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $49,146.24Verified Assets for reserves $115,337.34

0954940923

XXXXXX

WA

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

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 7551.34 actual calculation 6856.34 closing costs 7551.34 - POC 695 =6856.34

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for  11.23 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 15 years.

0954940923

XXXXXX

WA

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 XX/XX/XXXX Calculating Cash to close section Estimated Closing Costs Financed is $(9281) actual calculation is $9281. Loan amount XXXXXXXX - payoff XXXXXX - cash to close 102082 = 9281

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for  11.23 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 15 years.

0954940923

XXXXXX

WA

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

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

XXX granted exception: LTV or CLTV over maximum allowed.  LTV > 70% cash for home improvements. Overall low usage of revolving credit. Income for the reviewed years is increasing. RISKS- Payment shock OFFSETS-Residual income $13,097.17. 61 months PCL. BWR is saving maximum amount toward retirement. Overall low usage of revolvingcredit. Income for the reviewed years is increasing.  Clayton deems non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for  11.23 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 15 years.

0643662010

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

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, Field: Closing Costs Financed - Final, Value: 2472.69CD: XX/XX/XXXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1837.26CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3306.38CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 2670.95. Difference is POC's of $635.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760/793; minimum score is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  84 months of mortgage payments made as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  17 years with the same employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 39%; maximum allowed 70% LTV.

0643662010

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

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Please provide evidence the CD dated XX/XX/XXXX (1)  was acknowledged 3 days prior to consummation date. According to Data Disclosure sheet CD dated XX/XX/XXXX was sent as initial CD. This CD is not in file.

2.15.19 - Client responded. Disagree. The initial Closing Disclosure was provided XX/XX/XXXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) on XX/XX/XXXX allowing at least 3 business days to review the Closing Disclosure prior to close on XX/XX/XXXX. The Closing Disclosure was not e-signed but the pdf was opened and acknowledged by the consumer on XX/XX/XXXX and, per XXX 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 as well as XX/XX/XXXX CD.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760/793; minimum score is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  84 months of mortgage payments made as agreed. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  17 years with the same employer. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 39%; maximum allowed 70% LTV.

0737092901

XXXXXX

CA

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:  12 years n current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 24.02%, max per guidelines is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 53.93%; max allowed per guidelines is 80%.

0516810632

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

Lender to provide VOR showing 0x30 in the last 12 months.

1.24.19 - Client responded. VOR supporting docs attached. See VOR notes and bank statements to evidence last 12 months consecutive rent payment(s).

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $94,529Verified Assets for Reserves $174,561.13

0516810632

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

DTI

Satisfied

B

A

B

A

CRDDTI105

Debt Ratio Exception 5% or Less

No

Per Non Agency Guidelines page 356, max DTI is 35% if Escrows are waived on FTHB.Borrowers are FTHB and DTI is at 37.84%DTI exception is required

1.24.19 - Client responded. No exception was required for DTI greater than 35% for FTHB Escrow Waiver. CA law supersedes our guidelines. CA law states a lender cannot force place escrow when LTV is less than 90%, LTV was 74.194%.

1.24.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $94,529Verified Assets for Reserves $174,561.13

0838029210

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

FEMA natural disaster (Wildfire) declared 11/12/2018 and effective 11/25/2018. Property was appraised 11/12/2018, no subsequent inspection imaged.

1.23.19 - PDI provided and no damage.

1.23.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $45,923Verified Assets for Reserves $165,830

0278094587

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

Application

Active

B

B

B

B

CRDAPP131

Occupancy status not supported by file documentation

No

Lender granted a 5% LTV exception due to the borrowers purchasing home for direct family member. Borrowers parents live in the same city and will not physically reside in the home for any length of time. See page 316 of the PDF.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  768/797/812. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  67 months of mortgage payments made to XXX without any late payments. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borr:3 With the same employer for 46 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $286,603.65 = 47 months of PITI for both properties.

0278094587

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

LTV/CLTV

Active

B

B

B

B

CRDLTV3026

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

No

Lender granted a 5% LTV exception due to the borrowers purchasing home for direct family member. Borrowers parents live in the same city and will not physically reside in the home for any length of time. See page 316 of the PDF.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  768/797/812. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  67 months of mortgage payments made to XXX without any late payments. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borr:3 With the same employer for 46 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $286,603.65 = 47 months of PITI for both properties.

0959464186

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 score required 720, borrower has a 782 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  borrower at same employer 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower needs $56,352.96 for reserves, borrower has $90,873.47

0843435281

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

CMPTRID4320

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

No

The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the Final CD XX/XX/XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has 7412.57 actual calculation 9898.90 closing costs 8107.57 - POC 695 = 7412.57

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current profession for 22 years and co borrower for 15 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence for 17.45 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI; borrowers have a 26.29% DTI.

0631477547

XXXXXX

MN

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:  13 years in current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  709 qualifying score. Min required per guidelines is 680.

0043886928

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:  Borrowers have been at current residence for 12.27 years. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have been in their professions for 38 years, CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,663,418.91 in total assets documented.  Effective amount is $1,187,921.08, with liquid assets of $474,674.36.  Post close reserves are $979,069.68.  Reserves required $3,739.39 x 18 = $67,309.02.

0013041530

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 missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS:$501,920.59 in total assets documented.  Effective amount is $379,119.86, with liquid assets of $194,918.77.  Post close reserves are $314,119.86.  Reserves required $4,530.89x 12 = $54,370.68 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time of 40 years at current job.

0623195891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Compliance

Finance Charge Tolerance

Satisfied

B

B

B

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Numeric Material error:CD dated XX/XX/XXXX - Finance charge $684,030.74 and Clayton calculation $684,133.34 for a difference of $102.60 and over the allowed $100 for a purchase. PCCD dated XX/XX/XXXX - corrects error and reflects $684,133.34 matching Clayton calculation. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 804. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for first lien on investment property reports 81 mos. 0x30 and exceeds guideline requirements 12 mos. 0x30.

0623195891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

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: XX/XX/XXXX Loan Calculations, Field: Amount Financed, $854,563.60 Amount Financed as Calculated, $854,461.00, difference $102.60. PCCD dated XX/XX/XXXX corrects error and reflects Amount Financed as $854,461. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 804. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for first lien on investment property reports 81 mos. 0x30 and exceeds guideline requirements 12 mos. 0x30.

0623195891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 804. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for first lien on investment property reports 81 mos. 0x30 and exceeds guideline requirements 12 mos. 0x30.

0623195891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

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: XX/XX/XXXX and CD: XX/XX/XXXX Other Costs Section H Other Inspection - Pest Missing Payee NameCD: XX/XX/XXXX Loan Costs Section C Services Borrower Did Not Shop for Title Sign Face to Face missing Payee name

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 804. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for first lien on investment property reports 81 mos. 0x30 and exceeds guideline requirements 12 mos. 0x30.

0623195891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Both 401k statements do not reflect the vested balance and state vested balance is unavailable. Provide vested balance for XXX and XXX 401k.

2.7.19 - Client responded. 401k account statements used in qualifying for both XXX & XXX attached XXX to include withdrawal page. 401k assets only used for reserve requirements.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 804. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for first lien on investment property reports 81 mos. 0x30 and exceeds guideline requirements 12 mos. 0x30.

0623195891

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

B

B

D

B

D

B

A

A

B

B

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Housing ratio of 36.396% exceeds guideline requirement 36.00% however guidelines indicate underwriter has discretion to exceed 36% if adequate consideration is given to compensating factors. Underwriting summary acknowledges the housing ratio exceeding 36.00% and used the following compensating factors:  borrower has increased earnings potential as an XXX, adequate disposable/residual income, limited payment shock, borrower earning bonus pay not used to qualify. (Housing expense ratio pg. 97)

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 804. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history for first lien on investment property reports 81 mos. 0x30 and exceeds guideline requirements 12 mos. 0x30.

0775897640

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:  Qualifying DTI is 32.97%; max per guidelines is 43% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borr has been employed by current job for over 18 years.

0364141368

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Lender must provide the Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  792 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $97,472Verified Assets for Reserves $211,763 CFCFS1744: DTI below guideline requirement - Clayton Comments:  26% DTI

0364141368

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

Provide copy of lease to verify terms. Borrower payments were for various amounts with no documentation to support.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  792 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $97,472Verified Assets for Reserves $211,763 CFCFS1744: DTI below guideline requirement - Clayton Comments:  26% DTI

0198434685

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

Customers have less than three trade lines.  Per Guidelines underwriter decision if borrower has sufficient credit history. UW notes on UW Summary states though the borrower has limited credit history and depth, his credit profile is acceptable. Page 278. Lender exception not provided.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  704  exceeded the guideline requirement of  680  by  24  points. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has worked 21 years in his profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

0637034047

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 21%. Max DTI for this program is 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.83%. Max LTV for this program is 80.00%.

0575545313

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:  B1 have been XXX for 20.05 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum credit score is 680, borrower has an 804 which is 124 points above the guidelines requirement. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  No late consumer payments in the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $132,030.94. Reserves required $2778.57 x 12=$33,342.84. 47.52 months reserves.

0851876152

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 employed with current employer over 17 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $45,038.78 reserves required for the subject transaction. Verified $463,381.91($198,746.31 retirement) reserves.

0832691215

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: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8826.59CD: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 8321.16. Difference is POC's of $505.43.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $158,783.63 in total assets documented.  Effective amount is $158m783.63, with liquid assets of $15,521.92.  Post close reserves are $158,099.18.  Reserves required $$3,703.28 x 18 = $66,659.04. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in same profession for 25 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the existing primary residence for over 22 years

0306152793

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 been at current job for 16.97 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been at current job for 16.97 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  146,239.44 post closing cash reserves; 35.44 months PITIA subject or 21.73 months PITIA all properties owned.  12 months PITIA required.

0870701915

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 DTI is 26.77%; max per guidelines is 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have cash reserves in the amount of $230,494.30; 61 months PITI.  Minimum required per guidelines is 12 months PITI.

0314929756

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

RESPA

Satisfied

B

A

B

A

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

Initial CBR dated XX/XX/XXXX List of homeowners counseling organizations dated XX/XX/XXXX. List in file is dated XX/XX/XXXX which is not within 3 business days of loan application - XXX. Please provide List of Homeowners Counseling Organizations provided to borrowers within 3 business days of loan application - XXX.

2.12.19 - Client responded. 2/9/19:  See loan notes attached.2.12.19 - Clayton has reviewed and internal document from client reflects address was not added to application until XXX to complete initial application.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 73.08% is 6.92% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 730 is 50 points higher than required 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 30.88% is 12.12% less than required 43%.

0314929756

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

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Initial CBR dated XX/XX/XXXX Written List of Providers dated XX/XX/XXXX.Please provide Written List of Service Providers disclosed to borrowers within 3 business days of loan application - XXX.  One in file is dated XX/XX/XXXX, which is over 3 business days from loan application.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 73.08% is 6.92% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 730 is 50 points higher than required 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 30.88% is 12.12% less than required 43%.

0314929756

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

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Initial CBR dated XX/XX/XXXX Initial LE dated XX/XX/XXXX.Please provide Initial LE disclosed to borrower within 3 business days of loan application - XXX.

2.7.18 - Client responded. Disagree:  Pre-Approval started on 11/24.  Property selected and address added on 11/29.  RESPA app date XXX.  No violation.2.7.18 - Clayton has reviewed and nothing provided to validate client stance. Nothing in file or provided as rebuttal document. 2.12.19 - Client responded. 2/9/19:  See loan notes attached.2.12.19 - Clayton has reviewed and internal document from client reflects address was not added to application until XXX to complete initial application.

2.7.18 - Exception remains. 2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 73.08% is 6.92% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 730 is 50 points higher than required 680. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 30.88% is 12.12% less than required 43%.

0812077564

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

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Missing VOR for the last 12 months (0x30) for departing residence.

2.19.19 - Client responded. VOR and XXX bank statements attached to support 12 consecutive months rent paid.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 Credit Score CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrowers gets additional pay and bonus, not being used to qualify YTD $121,000 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $53,290.08Verified Assets for Reserves $137,834

0526981088

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

Lender's CD - 411854.09 Clayton Paystream - 413382.84 Difference - 1528.75; under disclosed. Corrected on PC CD XX/XX/XXXX . Exception satisfied

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 765 is 85 points higher than required 680.

0526981088

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: XX/XX/XXXX [Last CD], Section: Loan Calculations, Field: AmountFinanced, Value: 492882.90 Field: Amount Financed as Calculated, Value: 491354.15 - Difference of 1528.75; underdisclosed.Corrected on PC CD XX/XX/XXXX . Exception satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 765 is 85 points higher than required 680.

0907676737

XXXXXX

PA

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 3 days prior to consummation. Loan number was not provided on spreadsheet

1.30.19 - Client responded. Disagree:  see attached eDelivery tracking indicating CD receipt on XX/XX/XXXX.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 798, Minimum required is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $199,258.33.  Reserves required $4891.53 x 12 = $58,698.36

0931650201

XXXXXX

WA

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.

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

11.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 28.67%; max allowed per guidelines is 80%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 5 years.

0988558586

XXXXXX

MI

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

Required Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional documented income not used in qualifying CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement

0988558586

XXXXXX

MI

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 updated valuation to support original appraised value.

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

10.16.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional documented income not used in qualifying CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement

0007425369

XXXXXX

IA

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

Zero tolerance fees , increased at or prior to closing without a valid reason for Title Attorney fee in the amount of $225 added to section B Services Borrower did not shop for , Title Settlement Fee increased from $450 to $475 and moved from Section C to Section B. Evidence of change of circumstance letter required or a copy of a refundable check in the amount of $440, PCCD, LOE to borrower and proof sent.

11.26.18 - Client responded. Disagree:  $225 Title Attorney Fee paid to XXX who is attorney for XXX.  The borrower was allowed to shop and chose XXX from Service Provider List.  XXX writes the insurance polices for XXX making fees paid to XXX 10% tolerance fees.   10% fee baseline is $1530 (LE Block C) + $212 (Recording) or $1742.   Total 10% fees from CD are $1327 ($1215 Block B + $112 recording); well below the baseline and no tolerance violation.  See Title Commitment Atty Info supporting documentation. 11.26.18 - Clayton has reviewed and the explanation for the tie ins of the Attorney to the Title Company and Title Company to Service Link. Fees have been adjusted and no tolerance fee issues.

11.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been employed with the same company for 18 years and 11 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI ratios is 21.08%

0891897578

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

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 dated XX/XX/XXXX Down Payment/Funds from Borrower in calculating cash to close table reflects $29500. CD dated XX/XX/XXXX Down Payment/Fund from Borrower in calculating cash to close table LE column reflects $31,500. Per Esign Process Summarys a Revised LE was sent on XX/XX/XXXX and another Revised LE sent XX/XX/XXXX but not provided in file. Provide LE XX/XX/XXXX and LE XX/XX/XXXX with Applicable COCs. if increases in fees or loan terms.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  62.72% LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 59 months of 0x30 mortgage payments.

0891897578

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

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

Final CD XX/XX/XXXX Summaries of Transactions Section K - Line 4 XXX Payoff of $23,000 is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation line 4 Payoff must be moved to the Adjustments Section of K.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  62.72% LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 59 months of 0x30 mortgage payments.

0891897578

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

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 dated XX/XX/XXXX Total closing costs in calculating cash to close table reflects $19916. CD dated XX/XX/XXXX Total Closing Costs in calculating cash to close table LE column reflects  $16085. Per Esign Process Summarys a Revised LE was sent on XX/XX/XXXX and another Revised LE sent XX/XX/XXXX but not provided in file. Provide LE XX/XX/XXXX and LE XX/XX/XXXX with Applicable COCs. if increases in fees or loan terms.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  62.72% LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 59 months of 0x30 mortgage payments.

0891897578

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

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 dated XX/XX/XXXX Cash to Close in calculating cash to close table reflects $311836. CD dated XX/XX/XXXX Cash to Close in calculating cash to close table LE column reflects $328005. Per Esign Process Summarys a Revised LE was sent on XX/XX/XXXX and another Revised LE sent XX/XX/XXXX but not provided in file. Provide LE XX/XX/XXXX and LE XX/XX/XXXXwith Applicable COCs. if increases in fees or loan terms.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  62.72% LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 59 months of 0x30 mortgage payments.

0891897578

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 the VVOE for B1 dated within 20 business days prior to the Note date of XX/XX/XXXX. THE VVOE in file is dated XX/XX/XXXX  after the NOTE date.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  62.72% LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 59 months of 0x30 mortgage payments.

0883121947

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

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 dated XX/XX/XXXX & XX/XX/XXXX- Loan Costs section B- Missing PayeeOther Costs, Prepaids Section F - Homeowner's Insurance Premium - Missing number of months collected.

11.30.18 - Client responded. PCCD provided. Loan Costs Section B Missing Payee corrected. Prepaids Section F Homeowners Insurance Premium number of months reflects 0 and should be 12 as a full year premium was collected.

11.30.18 - Exception remains.

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $273,051.06 or 73.78 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 11 years 5 months.

0883121947

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3970

TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections.

No

CD dated XX/XX/XXXX- Loan Disclosures section- Partial Payments- Improper combination of selections was made. Both "may hold payment in separate account" and "does not accept any partial payments" are checked.

11.30.18 - Client responded. Providing copy of PCCD with corrected partial payment selection.11.30.18 - Clayton has reviewed and correction has been made.

11.30.18 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $273,051.06 or 73.78 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 11 years 5 months.

0883121947

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

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's dated XX/XX/XXXX & XX/XX/XXXX- Delivered via email- Econsent missing from file.

11.30.18 - Client responded. Providing copy of e-Consent dated XX/XX/XXXX.

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $273,051.06 or 73.78 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 11 years 5 months.

0883121947

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

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's dated XX/XX/XXXX & XX/XX/XXXX- Delivered via email- Econsent missing from file.

11.30.18 - Client responded. Providing copy of e-Consent dated XX/XX/XXXX.

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $273,051.06 or 73.78 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 11 years 5 months.

0883121947

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $273,051.06 or 73.78 months PITIA. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed at current job 11 years 5 months.

0058660449

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 XX/XX/XXXX: Section Other Cost, H. Pest Inspection is missing the payee. Issue corrected on subsequent CD XX/XX/XXXX, Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying score. Min required per guidelines is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 36.75%, max per guidelines is 43%.

0212836684

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 XX/XX/XXXX other costs, section F is missing # of months for Maintenance due.Requires corrected PCCD, LOX and copy of shipping.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $361,011.57.  Reserves required $6058 x 12 = $72,696 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with the same employer for 7 years

0944111271

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:  Borrowers have been in their respected professions for 35 and 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report and VOR reflect at least 35 months of 0x30 housing payments.

0354395067

XXXXXX

MD

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:  46 months of mortgage payments made to XXXX XXXXX paid as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  758/794 exceeds minimum required score of 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  11 Years with the same employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  11 Years with the same employer.

0658885655

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

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

The file is missing the homeownership counseling list.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are $71,044.80, loan requires $42,543.84 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed per guidelines is 720, borrower qualifying score is 772

0658885655

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

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Missing VOR for last 9/2018 - 12/2018, cleared payments in file from 3/2017 - 8/2018 in file, evidence of no recent missed payments required.

2.12.19 - Client responded. Per non agency guidelines, judgment regarding the number of months payments verified is allowed.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves are $71,044.80, loan requires $42,543.84 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed per guidelines is 720, borrower qualifying score is 772

0765771529

XXXXXX

UT

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 16.82 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying score is 801.  The minimum credit score required is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the departure residence for 25+ years CFCFS1744: DTI below guideline requirement - Clayton Comments:  18.92% DTI

0168761018

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:  797 representative FICO exceeds minimum 700 required. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.42% DTI below max 43% allowed.

0318189078

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

Assets

Active

C

B

C

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Short reserves , guidelines do not allow gift funds towards reserves. Borrower is short $3,181.87.

2.12.19 - Client responded. Issue noted is accurate.  Borrower has two XXX with balances totaling $171,174.56 (9-2018) plus $74,000 earnest money deposit (7-2018).  Liquid assets total $245,174.56 including $200,000 gift funds deposited 6-2018; net borrower assets available for reserves $45,174.56.  PITI/HOA payment is $4078.33 x 12 months reserves = $48,939.96. Borrower is short $3,765.40 (<1 month) to meet reserve requirements; remaining assets disclosed are in XXX.2.12.19 - Clayton has reviewed and as borrower is only 1 month short on reserves considers non-material.

2.12.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score 787. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.54%.

0948064011

XXXXXX

SC

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 taxes, insurance, HOA dues, and evidence owned free and clear for properties XXX and XXX

1.30.19 - Client responded. Both properties XXX and XXX, XXX located in XXX. Property details for both attached. No hazard insurance for property XXX. Rental summary included for XXX property (income not used to qualify). XXX exchange rate used.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 9 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at the existing primary residence for over 9 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total reserves $45,111.12 required for the subject transaction. Verified $990,434.97 or 263.47 months reserves

0948064011

XXXXXX

SC

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

B

A

B

A

CRDCRMH193

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

No

Missing verification of 10/2018 and 11/2018 mortgage payments for XXX

1.30.19 - Client responded. Mortgage history meets guideline requirements. Credit Report (trade 1) used in decisioning reflects 78 mortgage payments for XXX paid as agreed. This property located at XXX was sold prior to close. Preliminary Equity and Acquisition Statements reflect 10/2018 and 11/2018 payments (attached).

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 9 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at the existing primary residence for over 9 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total reserves $45,111.12 required for the subject transaction. Verified $990,434.97 or 263.47 months reserves

0948064011

XXXXXX

SC

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 taxes, insurance, HOA dues, and evidence owned free and clear for properties XXX and XXX

1.30.19 - Client responded. Both properties XXX and XXX, XXX located in XXX. Property details for both attached. No hazard insurance for property XXX. Rental summary included for XXX property (income not used to qualify). XXX exchange rate used.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed with current employer for over 9 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at the existing primary residence for over 9 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total reserves $45,111.12 required for the subject transaction. Verified $990,434.97 or 263.47 months reserves

0288006722

XXXXXX

NC

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

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

Final CD XX/XX/XXXX Summaries of Transactions Section L - Line 4 Cash Credit of $1175.90 is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation line 4 Cash Credit must be moved to the 'Other Credits' Section of L.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 13 years.

0288006722

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

B

B

D

B

B

B

D

A

B

B

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER3256

Seller contributions exceed guideline requirements

No

XXX granted an exception to allow the seller to pay for the borrower 12 months HOA fees to absorb excess credit contribution. DTI is in line at 39% which includes the departing residence. Once sold borrower should net $50000. Borrower verbally confirmed $366000 in vested retirement. Borrower shows an ability to save and willingness to re-pay. All credit paid as agreed including mortgages reporting back to 2008. Outstanding revolving balances total under $3000.  Clayton deems non-material based on compensating factors.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 13 years.

0288006722

XXXXXX

NC

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.

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late payments in the past 24 months. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 13 years.

0439601900

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:  Post close reserves are $203,731.21  Reserves required $3222.55 x 12 = $38,670.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 800, minimum required is 720

0698696293

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 33.60%. Max DTI for this program is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 790. Minimum credit score for this program is 720.

0698171039

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 credit score of 789. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers have a 24.26% DTI. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in the same profession for 13 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $208,554.73.  Reserves required $6382.10 x 12 = $76,585.20.

0219299426

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing please provide

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $76,607.14 or 17.48 months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower owned current residence 15 years.

0219299426

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

MD Counseling Notice not in file form DHCD. Please provide

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $76,607.14 or 17.48 months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower owned current residence 15 years.

0791555703

XXXXXX

AZ

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

CMPTRID5019

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

No

All CD disclosures: Section Other Cost H., Line 03. Home Warranty Fee is missing optional designation. Please provide PCCD correcting error, LOE to borrower and proof sent.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 19 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%, max allowed per G/L is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $677,264.19.  Reserves required $4314.37 x 12 = $51,772.44 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 12.27%, max allowed per G/L is 43%

0791555703

XXXXXX

AZ

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 XX/XX/XXXX and XX/XX/XXXX: Section Loan Cost C. Services Borrower Did shop for; Line 05 Title-Notary Fee is missing a payee. This issue was corrected on subsequent PCCD XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 19 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%, max allowed per G/L is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $677,264.19.  Reserves required $4314.37 x 12 = $51,772.44 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 12.27%, max allowed per G/L is 43%

0790737800

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

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

12.18.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $363,629.93 or 44.71 months PITIA CFCFS2854: Significant time in profession - Clayton Comments:  B1 has significant time in profession of 11 years.

0930820166

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

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 XX/XX/XXXX and CD XX/XX/XXXX: Page 5 of CD is missing Section Confirm Receipt, Other Disclosures is missing the acknowledgment form required by the Regulation. Provide CD with correct information within 60 days of consummation.

12.5.18 - Client responded. Providing copies of Acknowledgment pages that were imaged separately. The XX/XX/XXXX Acknowledgment is signed, the XX/XX/XXXX is not; however, by rule signature is not required on closing disclosures.

12.5.18 - Exception satisfied.

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with current employer for 16 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 60% is 20% less than required 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 23.58% is 19.42% less than required 43%.

0781388450

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

Appraisal

Active

B

B

B

B

PRVAAPPR151

Appraisal dated beyond acceptable date range per guidelines

No

Inspection date on 442 is dated 12/17/2015 Appraisal to correct typo error.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  on the job for 11 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  55.20% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  28% DTI

0781388450

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

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection since the 11/12/2018 Fema Disaster- Wildfires.

2.12.19 - PDI provided and no damage.

2.12.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  on the job for 11 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  55.20% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  28% DTI

0265271326

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:  Reserves required were $5,540.22 for departing residence, and $40,476 for subject. Borrowers have total reserves for $203,360.63($100,849.39 retirement). CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 796.

0948248043

XXXXXX

VA

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.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $801,500.01 in total assets documented.  Effective amount is $801,500.01, with liquid assets of $801,501.01.  Post close reserves are $585,977.85.  Reserves required $5,789.13 x 12 = $69,469.44 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 803 for the primary wage earner exceed guideline minimum requirement of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.10% DTI is below the guideline max of 43%

0948248043

XXXXXX

VA

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 supporting original appraised value.

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

11.29.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $801,500.01 in total assets documented.  Effective amount is $801,500.01, with liquid assets of $801,501.01.  Post close reserves are $585,977.85.  Reserves required $5,789.13 x 12 = $69,469.44 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 803 for the primary wage earner exceed guideline minimum requirement of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.10% DTI is below the guideline max of 43%

0873257879

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:  816 qualifying score. q

0661213953

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for FEMA disaster Wildfires with effective date 11/25/18; appraisal date is 10/4/18, prior to FEMA disaster. Property Inspection Report has been ordered.

12.6.18 - Property Inspection provided and reflects no damage.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $663,299.97 or 67.71 months PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower XXX employed at current job 28 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  11.19% DTI.

0147360853

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 XX/XX/XXXX: Section Loan Cost, Line 01 Pest Inspection and line 02 Survey are both TBD; missing payee.Issue corrected on subsequent final CD XX/XX/XXXX. Exception satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 12 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous mortgage delinquency on most recent mortgage closed XX/XX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 741. Minimum requirement is  700

0942891018

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

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

The value for Downpayment/Funds From Borrower in the LE column of the CD $412,000.00,is different from the value disclosed on the last LE $465,000.Please provide post-consummation CD within 60 days of the consummation date.

1.5.19 - Client responded. Final LE dated XX/XX/XXXX and COC provided.

1.5.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.09% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 60 months of 0x30 mortgage payments.

0942891018

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

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

The value for Total Closing Costs in the LE column of the CD $30,975.00 is different from the value disclosed on the last LE $30,983.Please Provide post-consummation CD within 60 days of the consummation date.

1.5.19 - Client responded. Final LE dated XX/XX/XXXX and COC provided.

1.5.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.09% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 60 months of 0x30 mortgage payments.

0942891018

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

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 $442,645.00, is different from the value disclosed on the last LE $495,653.Please Provide post-consummation CD within 60 days of the consummation date.

1.5.19 - Client responded. Final LE dated XX/XX/XXXX and COC provided.

1.5.19 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.09% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 60 months of 0x30 mortgage payments.

0942891018

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5115

TRID - Closing Disclosure:  The Creditors Brokers or Contact persons NMLS or State ID is missing

No

Final CD dated XX/XX/XXXX missing Lender state Licenses ID number missing from Contact Information section. Please provide a revised CD with the state License number for lender. Revised CD and LOX to borrower.

1.5.19 - Client responded. """Disagree:  Lender not required to have NMLS and XXX Lender License numbers on Page 4 of CD. From CFPB: In the Contact Information table, disclose the following information for the Lender, the Mortgage Broker, the consumers Real Estate Brokerage, the sellers Real Estate Brokerage, and the Settlement Agent in a columnar format:  * Name, * Address,  * The NMLS or State license Id, as applicable, * The contact name of an individual (and the NMLS or State license Id),* *see attached PDF"1.5.19 - Clayton Compliance department responded and glitch in system at time of exception which has been corrected.

1.5.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.09% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 60 months of 0x30 mortgage payments.

0942891018

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Credit

Assets

Active

B

B

B

B

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Missing initial pages of the Seller Settlement Statement for the borrowers' departure property to verify proceeds being used for cash required to close (pg. 615); only final page showing "due to seller" provided. Borrower/Buyer settlement statement (pgs 127-129) does not reflect due to seller proceeds.  Non material exception.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.09% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 60 months of 0x30 mortgage payments.

0942891018

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

C

B

D

B

B

B

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

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

12.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.09% LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 60 months of 0x30 mortgage payments.

0139858010

XXXXXX

FL

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.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with the same company for 11 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves are $150,269.78   Reserves required $9953.08 x 12 = $119,436.96

0190843972

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

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 verification of taxes and insurance for REO on XXX.

2.15.19 - Client responded. Taxes and insurance are escrowed through the first mortgage with XXX as shown on the credit report totaling $1874.  See original payment letter attached as well as HOA dues letter

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.78% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 exceeds minimum 720 required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same business 8 years.

0190843972

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

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

H8 ROR used in lender to lender refinance. H9 form required.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.78% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 exceeds minimum 720 required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same business 8 years.

0190843972

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

DTI

Satisfied

B

A

B

A

CRDDTI2540

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

No

Missing verification of taxes and insurance for REO on XXX.

2.15.19 - Client responded. Taxes and insurance are escrowed through the first mortgage with XXX as shown on the credit report totaling $1874.  See original payment letter attached as well as HOA dues letter

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.78% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 exceeds minimum 720 required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same business 8 years.

0190843972

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Legal Documents

Active

B

B

B

B

CRDLGL2642

Missing proof that HELOC has been paid and closed to future draws

No

Missing proof that HELOC with XXX #XXX has been paid and closed to future draws, signed and dated by borrowers.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.78% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 exceeds minimum 720 required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same business 8 years.

0190843972

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Legal Documents

Active

B

B

B

B

CRDLGL2644

Missing proof there were no draws on HELOC in the last 12 months > $2,000

No

Missing proof there were no draws on HELOC with XXX #XXX in the last 12 months > $2,000

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.78% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 exceeds minimum 720 required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with same business 8 years.

0255878714

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

Missing PDA to support original appraised value.

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower's time at current residence 8 years 9 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects over 100 months of 0x30 mortgage payments.

0877263755

XXXXXX

FL

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

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 XX/XX/XXXX: Section Loan Disclosure; Demand Feature no option checked.

11.29.18 - Client responded. Please see attached Post Consummation CD with corrections.11.29.18 - Clayton has reviewed and PCCD corrects error. Letter to borrower, copy of PCCD and confirmation was sent provided.

11.29.18 - Exception satisfied.

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 799, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $134,948.81 in verified post clsg reseves, or 37.16 months PITI.  12 months reserves required ($3631.39 X 12=$43,576.68)

0332650218

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

Missing PDA to support original appraised value.

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

12.13.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employment for 19.9 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 64.66% is 15.34% is less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 775 is 75 points higher than required 700.

0332650218

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

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for FEMA disaster Wildfires dated 11/12/2018; appraisal is dated 10/17/18 prior to the FEMA disaster.

1.7.19 - PDI provided and no damage.

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has been with same employment for 19.9 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 64.66% is 15.34% is less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 775 is 75 points higher than required 700.

0057528426

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 the signed page of the 2016 tax returns.

1.2.19 - Client responded. "See attached 2016 tax returns, page 2.  PTIN number of CPA can be used instead of the borrower's signature.1.2.19 - Clayton has reviewed and returns reflect CPA PTIN number.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  772 qualifying score. Min required per guidelines is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 32.68%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $163116.98 or 48.18 months PITIA, guidelines required 12 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  The Co-borrower has been in current profession for 12 years.

0057528426

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

Missing the signed page of the 2016 tax returns.

1.2.19 - Client responded. "See attached 2016 tax returns, page 2.  PTIN number of CPA can be used instead of the borrower's signature.1.2.19 - Clayton has reviewed and returns reflect CPA PTIN number.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  772 qualifying score. Min required per guidelines is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 32.68%, max per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $163116.98 or 48.18 months PITIA, guidelines required 12 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  The Co-borrower has been in current profession for 12 years.

0009673604

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:  9 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 789 exceed min required of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.77% DTI us below guideline max of 43%

0702684289

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 in same profession for 9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower in same profession for 9 years.

0361583749

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: XX/XX/XXXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00 however Clayton Calculation, Value: 1168.60

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves required is $39,843.48, borrower has $44,957.75 in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Minimum score allowed is 680, borrower qualifying score is 792

0282885555

XXXXXX

UT

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

1  Missing most recent quarter P*L for B2 Book Keeping (Schedule C)2 Missing most recent quarter Balance Sheet for B2 Book Keeping (Schedule C)

12.05.18 - Client responded. Providing copy of P&L and balance sheet

12.05.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 753.  The minimum required score is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI ratio is 36.69%.  The allowable DTI per guidelines is 43%.

0282885555

XXXXXX

UT

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

CRDINC3258

Missing Profit and Loss statement for one or more Self Employed borrowers

No

Missing most recent quarter P*L for B2 Book Keeping (Schedule C).

12.05.18 - Client responded. Providing copy of P&L.

12.05.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 753.  The minimum required score is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI ratio is 36.69%.  The allowable DTI per guidelines is 43%.

0282885555

XXXXXX

UT

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

Missing most recent quarter Balance Sheet for B2 Book Keeping (Schedule C).

12.5.18 - Client responded. Providing copy of balance sheet.

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 753.  The minimum required score is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI ratio is 36.69%.  The allowable DTI per guidelines is 43%.

0997640141

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:  791 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 62 months 0x30 mortgage payments.

0358156111

XXXXXX

WA

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

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been on current job for 12 years and 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying score is 808.  The minimum required score is 700.

0682858572

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

CMPTRID5019

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

No

Final CD XX/XX/XXXX Other Costs Section H Borrower Paid Home Warranty Fee missing 'Optional' Designation.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $86,498.85.  Reserves required $5048.93 x 12 = $60,587.16 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 810, minimum required per G/L is 720

0682858572

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

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $86,498.85.  Reserves required $5048.93 x 12 = $60,587.16 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 810, minimum required per G/L is 720

0611917186

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing AFB Disclosure. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid score of  775  exceeded the guideline requirement of  680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrowers DTI of 16.52% is under the guideline requirement of  45.00% by 28.48%.

0336891165

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:  797 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 32.33%, max per guidelines is 43%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower  has been  employed for 8 years.

0642046194

XXXXXX

DE

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:  Rep FICO of 767 for the primary wage earner exceed guideline minimum required of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at same employer for 17+ years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been employed for the same employer for the last 9 years,

0606278925

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 30 years in current job. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have positive mortgage history of 9 years.

0151055507

XXXXXX

TX

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.

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in departing residence for 19 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 36 years.

0887421318

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

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:  797 qualifying score. Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 20 years. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 25 years.

0979692510

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:  Post close reserves are $78,953.32.  Reserves required $3,519.98 x 12 = $42,239.76 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 employed at current job 21 years.

0223964775

XXXXXX

CA

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:  The borrowers have 30 months (0 x 30 mortgage history).  Twelve months required per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 784.  The minimum required score per guidelines is 680.

0677757415

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

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

0% Tolerance Violation of $20.96 due to Credit Report Increase from $36 on LE to $56.96 on CD. Tolerance Cure of $21.41 provided on PCCD XX/XX/XXXX and is sufficient. Exception Satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in the departure residence for 18+ years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $259,088.25 in total assets documented.  Effective amount is $259,088.25, with liquid assets of $259,088.25.  Post close reserves are $90,210.51.  Reserves required $3,848.23 x 12 = $46,178.76 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 30 years. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional business income from employer, which she has 16.33% ownership.  This additional income is documented with K1s but is not being used to qualify. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Midpoint score of 828 exceed guideline minimum requirement of 700.

0677757415

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

Initial CD XX/XX/XXXX and Final CD XX/XX/XXXX Loan Costs Section B Title-Notary Fee shows 'TBD' as Payee, also Initial CD XX/XX/XXXX and Final CD XX/XX/XXXX Other Costs Section H Pest Inspection Fee shows 'TBD' as Payee. Both were corrected on the PCCD dated XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in the departure residence for 18+ years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $259,088.25 in total assets documented.  Effective amount is $259,088.25, with liquid assets of $259,088.25.  Post close reserves are $90,210.51.  Reserves required $3,848.23 x 12 = $46,178.76 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 30 years. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has additional business income from employer, which she has 16.33% ownership.  This additional income is documented with K1s but is not being used to qualify. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Midpoint score of 828 exceed guideline minimum requirement of 700.

0760685684

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

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

Loan docs reflect XXX, a Division of XXX while the NMLS search results for NMLS ID only reflects in XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  738 qual score minimum required is 720 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x38 mortgage payments reflected on credit report.

0719628650

XXXXXX

NY

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 been with the same employer for 15 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 7 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 74.07%, max allowed per G/L is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 796, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $354,815.11.  Reserves required $7153.93 x 12 = $85,847.16

0633433369

XXXXXX

CA

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

CMPTRID5111

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

No

LE's dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all e-signed by the borrower.  However, the file does not contain an econsent signed by the borrower.  Cure: provide missing econsent.

1.8.19 - Client responded. Attached find the E-Consent Form.

1.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 68.42%, max allowed per G/L is 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX employed for 30 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $175,770.54.  Reserves required $4635.83 x 18 = $83,444.94

0120638058

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

Homeowners counseling organizations list is missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  786 qualifying score. Min required per guidelines is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 77.78%; max allowed per guidelines is 80%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 6 years.

0637983638

XXXXXX

IL

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

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Provide September or August statement for Life Insurance policy. File contains October and March statements only.

1.2.19 - Client responded. "The Non-conforming policy only requires a benefits statement to determine the borrower is the owner of the policy and the amount of cash available to the borrower. 2 consecutive months is not required. The statement in the file is dated 10/24/2018 which is the most recent statement at the time of loan closing. 1.2.19 - Clayton has reviewed the non-conforming guides and 2 months statements not required.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.76%, Max DT is 43% CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history

0637983638

XXXXXX

IL

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

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

12.27.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.76%, Max DT is 43% CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory mortgage pay history

0195931121

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: XX/XX/XXXX, Section: Other Costs, H. Other line 02 National Hazard Disclosure is missing payee. Issue corrected on subsequent CD dated XX/XX/XXXX. Exception Satisfied

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 20.60% below guideline requirements.

0034005074

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:  767 qualifying score. Min required per guidelines is 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 18 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 40.74%; max allowed per guidelines is 80%.

0884725580

XXXXXX

VA

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

CD XX/XX/XXXX: Section Loan Cost B., Line 05, and 06 are TBD and missing payee's.Issue corrected on subsequent CD XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $335,752.66 or 79.41 months PITIA CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower at current job 9 years 5 months.

0884725580

XXXXXX

VA

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.

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

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $335,752.66 or 79.41 months PITIA CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower at current job 9 years 5 months.

0951039674

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

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

HOC List provided in file missing all Contact Information for Providers.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of the primary wage earner (809) exceed guideline requirement of 700 CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has been on current job for 28+ years. CFCFS1736: Significant time at current residence - Clayton Comments:  B2 has resided in present residence for 13 years.

0602962854

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.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.60% DTI.

0907641612

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

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

The Loan Officer's name, xxx, as reflected on the 1003, Note and DOT. LO's name on the NMLS website, xxx. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  B1 resided in departure residence for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of the primary wage earner, 778 exceed guidelines minimum required of 700.

0907641612

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

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

The value for Total Closing Costs in the LE column of the Final CD XX/XX/XXXX Calculating Cash to Close table ($25,206) is different from the value disclosed on the last LE XX/XX/XXXX ($24,160)

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  B1 resided in departure residence for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of the primary wage earner, 778 exceed guidelines minimum required of 700.

0907641612

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

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 Final CD XX/XX/XXXX Calculating Cash to Close table ($163,206) is different from the value disclosed on the last LE XX/XX/XXXX ($162,160).

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  B1 resided in departure residence for 24 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of the primary wage earner, 778 exceed guidelines minimum required of 700.

0166728721

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.

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

12.24.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $160,798.24.  Reserves required $4907.95 x 12 = $58,895.40. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been on current job for 16 years and 8 months.

0498380352

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

Missing PDA to support original appraised value.

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $827,850.01 in total assets documented.  Effective amount is $630,987.19, with liquid assets of $335,692.96.  Post close reserves are $359,476.87.  Reserves required $8,027.25 x 12 = $96,325.80.  **More than 50% of reserve requirement is coming from borrower's liquid funds, the rest is coming retirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The Rep FICO of 789 from the primary wage earner exceed guideline requirements of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 30.03% is below the guidelines max of 43%

0823413700

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

Active

B

B

B

B

CMPTRID5019

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

No

Final CD XX/XX/XXXX Other Costs Section H Line 04 Home Warranty is missing optional designation.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds minimum score of 700 by 83 points. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 16 years in his profession. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Borrower has significant commission income that is not needed to qualify. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified PCL of $290,237.07 / pitia $4,025.95 = 72.09 months reserves. 12 months are required.

0265931562

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

Satisfied

B

B

B

B

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

Non-numerical error: The Final CD XX/XX/XXXX Loan Disclosures Section, Demand Feature does not have a Box checked. This is corrected on the PCCD XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 45.45%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in their respective professions for 20 and 18 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 qualifying score.

0265931562

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.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 45.45%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in their respective professions for 20 and 18 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 qualifying score.

0500101153

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 $156,050.39 or 21.55 months PITI. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned current residence 7 years 3 months.

0753128775

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

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Front end DTI ratio is 38.92% and exceeds the 36% maximum per guidelines.  Correspondent Non-conforming guidelines page 207 reflect Prior Approval Underwritten loans max front end ratio 36%.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 807. Minimum requirement is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 56%. Max LTV is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for 38 years

0336383083

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

Initial CD XX/XX/XXXX and Final CD XX/XX/XXXX Other Costs Section H, Home Warranty Fee missing Payee.Error is Satisfied on Subsequent PCCD XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower has $2,200,658.59  in total assets documented.  Effective amount is $1,738,137.01  with liquid assets of $1,044,354.65 .  Post close reserves are $1,156,913.45.  Reserves required $5,590.31  x 12 = $67,083.72. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The borrowers LTV is 55%.  The maximum LTV per guidelines is 80%.

0699102691

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:  22.15% DTI. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have spent 25 and 29 years in their respected professions.

0158291589

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

CD: XX/XX/XXXX, Section: Loan Disclosures, No option was selected for Demand Feature, Corrected on PCCD XX/XX/XXXX, Exception Satisfied

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower's have been in their respected professions for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 qualifying score.

0158291589

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

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: XX/XX/XXXX, Missing E-consent form

11.30.18 - Client responded. Providing copy of eConsent dated XX/XX/XXXX. Borrower accepted electronic delivery of documents on XX/XX/XXXX per disclosure tracker. No evidence in file borrower withdrew consent. E-sign LE and CD further evidence acceptance of e-delivery.

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower's have been in their respected professions for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 qualifying score.

0158291589

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

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: XX/XX/XXXX, Missing E-consent form

11.30.18 - Client responded. Providing copy of eConsent dated XX/XX/XXXX. Borrower accepted electronic delivery of documents on XX/XX/XXXX per disclosure tracker. No evidence in file borrower withdrew consent. E-sign LE and CD further evidence acceptance of e-delivery.

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower's have been in their respected professions for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 qualifying score.

0158291589

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower's have been in their respected professions for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 qualifying score.

0784485867

XXXXXX

NJ

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 were in primary residence for 13 years prior to this subject property purchase CFCFS1739: Postive mortgage payment history - Clayton Comments:  No current or previous derogatory pay  history for mortgage CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been on job for 8 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.06%. Maximum DTI is 43%

0940452094

XXXXXX

MD

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

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

Missing e-consent.

2.15.19 - Client responded. No evidence of e-Consent in file.  Remediation requested.2.22.19 - Client responded. EConsent provided as required.

2.15.19 - Exception remains. 2.22.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in same line of work for 7+ years CFCFS2860: Good credit history - Clayton Comments:  Borrowers have an excellent credit history with all trade lines paid as agreed, no derogatory history and no adverse history CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers has recent mortgage history 0x30 for the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 780 exceeds the minimum of 700

0940452094

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Lender's approved exception, dated XX/XX/XXXX (pg 597) for loan short PCL just over 0.5 of a mos PITI. Comp Factors: Residual income of $7260.00 per month. Borr is not a heavy debt user under 5k rev debt. PCL required is $49159.00 / 2 = $24,579, half of required is coming form retirement. XXX has $22,075 liquid after $28k gift. Final PCL is $46,654 XXX will have PCL after 1 month of the residual income is rec'ed. Overall ATR is supported and PCL exception is warranted. Ris kis acceptable

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in same line of work for 7+ years CFCFS2860: Good credit history - Clayton Comments:  Borrowers have an excellent credit history with all trade lines paid as agreed, no derogatory history and no adverse history CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers has recent mortgage history 0x30 for the last 36 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 780 exceeds the minimum of 700

0230763343

XXXXXX

PA

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 68.87%, max allowed per G/L is 80% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with the same employer for 14 years CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Co-Borrower has add'l salary income in the amount of $4077 not used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $307,023.28.  Reserves required $3894.13 x 12 = $46,729.08

0724444163

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

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

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 53.04%, max allowed per G/L is 805 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 809, minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has occupied the subject property for 10 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has  Post close reserves in the amount of $1,114,272.77.  Reserves required $5637.80 x 12 = $67,653.60

0113922488

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for FEMA disaster Wildfires with effective date 11/12/18; appraisal dated 10/17/18, prior to FEMA disaster. PDI Ordered.

12.6.18 - Property Inspection provided and reflects no damage.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been XXX for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 808, minimum required per G/L is 700

0001163778

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 53.33%, minimum required is 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 40 months of 0x30 mortgage payments.

0406172207

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

Missing PDA to support original appraised value.

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

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  819 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 48 months of 0x30 mortgage payments.

0926895109

XXXXXX

VA

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:  59.44% LTV. CFCFS2854: Significant time in profession - Clayton Comments:  B2 has been in the same profession for 20 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  42x0x30 mortgage payments reflected on credit report.

0521056937

XXXXXX

OR

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 been at current place of employment for 11+ years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  b1 has been a t current place of employment for 9+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 748 for the primary wage earner exceed g/l minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $708,373.77 or 92.50 months PITI .  Reserves required $7,658.41 x 12 = $91,900.92

0221946045

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

Right of Rescission

Active

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

H8 form used in lender to lender refinance. Requires H-9 Form, re-open rescission, LOX and copy of shipping. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $2,795,559.42 or 317.38 months PITI CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional documented income not used in qualifying: Rental/RSU from Paystub/Wvoe

0221946045

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

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

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $2,795,559.42 or 317.38 months PITI CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  Additional documented income not used in qualifying: Rental/RSU from Paystub/Wvoe

0600689138

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:  Borrowers have been in their respected professions for 11 and 9 years.

0979464051

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:  The borrower qualifying credit score is 820.  The minimum credit score per guideline  is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  The borrower loan to value is 75%.  The maximum loan to value is 80%.

0334977527

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at the same job for the past 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  13.48% DTI

0334977527

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

Initial CD XX/XX/XXXX Loan Costs Section C Notary Fee missing Payee.Error is Satisfied on Subsequent Final CD XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at the same job for the past 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  13.48% DTI

0361873931

XXXXXX

AZ

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

The SPL was issued on XX/XX/XXXX which is not within 3 days of application date of xxx.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $400,073.65 in total assets documented.  Effective amount is $313,913.50, with liquid assets of $184,673.27.  Post close reserves are $155,473.82.  Reserves required $4,370.55 x 12 = $52,446.60. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 39.93% is below  g/l max of 43%

0361873931

XXXXXX

AZ

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

CMPTRID4583

TRID - LE sent prior to CD, but either confirmed receipt date or assumed receipt date is on or after the CD receipt date

No

The file is missing evidence that the last LE XX/XX/XXXX was received prior to delivery of initial CD on XX/XX/XXXX. LE is not signed and no disclosure tracking in file therefore falls into the 6 business day rule.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $400,073.65 in total assets documented.  Effective amount is $313,913.50, with liquid assets of $184,673.27.  Post close reserves are $155,473.82.  Reserves required $4,370.55 x 12 = $52,446.60. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 39.93% is below  g/l max of 43%

0123643084

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

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Lender Must Provide copy of Notary. Mortgage not notarized

2.3.19 - Client responded. See attached signed notarized mortgage.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 25.193% below program maximum 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $199,347.11 in total assets verified. All assets are liquid. Final CD reflects required funds to close, $121,469.21.  Post close reserves $77,877.90.

0123643084

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

Documentation

Satisfied

D

A

D

A

CMPDOC869

Mortgage not signed

No

Lender Must Provide copy of signed mortgage. Mortgage Not signed by borrowers

2.3.19 - Client responded. See attached signed notarized mortgage.

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 25.193% below program maximum 43.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $199,347.11 in total assets verified. All assets are liquid. Final CD reflects required funds to close, $121,469.21.  Post close reserves $77,877.90.

0300743646

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 $174,227.31 or 44.81 months PITI CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 33.18 below guideline requirement of 43% by 9.82%

0468298936

XXXXXX

MD

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:  25.05% DTI below max 43% allowed CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $160,475.61 @ 37.53 PITIA months.

0941851475

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:  Midpoint FICO of 781 (based upon credit 10/15/18) exceeds g/l minimum required of 700. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 33.69% is below g/l max of 43%

0867711685

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 $317,794.09 or 54.87 months PITIA.

0401748315

XXXXXX

WA

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

VVOE is dated XX/XX/XXXX, which as after closing. Provide a VVOE dated within 10 days prior to note date of XX/XX/XXXX

1.3.19 - Client responded. We have a written VOE (dated 10/19/18) which is  within 20 business days of the note date (XX/XX/XXXX) which satisfies the VVOE requirement. See attached. 1.3.19 - Clayton has reviewed and xxx guidelines are 20 business days.

1.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the property for 6+ years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 12+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 808 exceeds g/l minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  17.39% DTI is below g/l max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $477,475.43 in total assets documented.  Effective amount is $337,694.09, with liquid assets of $86,004.50.  Post close reserves are $337,694.09.  Reserves required $3,402.82 x 12 = $40,833.84

0401748315

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

A

A

A

D

B

D

B

B

A

A

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing AFB Disclosure. Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the property for 6+ years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 12+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 808 exceeds g/l minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  17.39% DTI is below g/l max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $477,475.43 in total assets documented.  Effective amount is $337,694.09, with liquid assets of $86,004.50.  Post close reserves are $337,694.09.  Reserves required $3,402.82 x 12 = $40,833.84

0401748315

XXXXXX

WA

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

CRDINC2496

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

No

VVOE is dated XX/XX/XXXX, which as after closing. Provide a VVOE dated within 10 days prior to note date of XX/XX/XXXX

1.3.19 - Client responded. We have a written VOE (dated 10/19/18) which is  within 20 business days of the note date (XX/XX/XXXX) which satisfies the VVOE requirement. See attached. 1.3.19 - Clayton has reviewed and xxx guidelines are 20 business days.

1.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided in the property for 6+ years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 12+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 808 exceeds g/l minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  17.39% DTI is below g/l max of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $477,475.43 in total assets documented.  Effective amount is $337,694.09, with liquid assets of $86,004.50.  Post close reserves are $337,694.09.  Reserves required $3,402.82 x 12 = $40,833.84

0908832712

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 $121,833.06.  Reserves required are $5876.77  x 12 = $70,521.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 800.  The minimum required score is 700.

0035581024

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

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

The loan officers name on the Note, Mortgage, and the 1003 is xxx. The NMLS database verified the loan officers name as xxx and xxx. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with current employer since 1986, 32 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 772, which is 52 points higher than the guideline requirement of 720.

0737494076

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

The file is missing the homeowners counseling organizations list.

12.6.18 - Client responded. Copy of Homeowners Counseling list provided and copy of tracking showing it was sent and within the 3 business days of application date as required.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borr has been in the same profession for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borr has been at same job for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 qualifying score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.01% DTI.

0737494076

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value.

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

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borr has been in the same profession for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borr has been at same job for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 qualifying score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.01% DTI.

0786131090

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 $322,451.08 or 66.66 months PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 797 exceeds guidelines score of 700 by 97 points.

0167974439

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

Verified more than 12 months PITIA funds are coming from XXX.  Lender made exception for the requirement of 6 months reserves coming from non-retirement account based on low LTV.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Representative Credit Score is 784; Credit score exceeds guidelines of 720.

0692087410

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

PCCD XX/XX/XXXX  Loan costs screen: Section C: Does not list the name of the provider for Title -recording service fee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $556,144.69.  Reserves required $3981.77 x 12 = $47,781.24 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 13 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15.99%, max allowed per G/L is 435

0555540816

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower  has been employed for 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 69.27%; max allowed per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 13 years.

0882845947

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 of 766 exceeds guideline requirement of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 50% below guideline requirements of 80%

0084802192

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:  Borrower has been in profession for 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 781. Min score is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Excess reserves: $555,424.68/ 179.55  months

0998252498

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

Final CD dated XX/XX/XXXX: cost totals are illegible, please provide a legible copy.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 Credit Score CFCFS1744: DTI below guideline requirement - Clayton Comments:  17.05% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $53,115Verified Assets for Reserves $137,616

0486707361

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 $232,936.77 or 38.69 months PITI. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 15 years in same profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO score of 800 for primary wage earner exceed g/l min required of 700.

0906656971

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 been employed for 5 years and 2 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI  34.83 %.  The max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying score is 778. The min required per guidelines is 700.

0663536730

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

CMPDOC869

Mortgage not signed

No

Mortgage not signed by co-signer, xxx. Notice to Co-signer does not state if the co-signer will reside at the property.

12.6.18 - Client responded. Per guidelines:  Co-borrowers must sign the application and the mortgage note. Co-borrowers do not have to sign the mortgage security instrument unless they take title to the property. xxx was not in title per the title commitment and was not taking title at closing. This is a refinance and per the loan application xxx lives at the property and will continue to do so. The mortgage that is in the file is correct. 12.6.18 - Clayton has reviewed Title and borrower 3 not required to sign mortgage as not on title.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers 1 and 2 have resided in the subject property for 18 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Ltv is 55.73%, which is 24.27% less than the guideline max of 80.00% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $133,389.34 in post-closing reserves, which is $84,273.52 more than the guideline required amount of $49,115.82, or 32.59 months in reserves of subject PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 799, which is 79 points higher than the guideline requirement of 720.

0071890079

XXXXXX

NC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

Originating organization on NMLS site is xxx of the xxx, LLC which does not match xxx, a limited liability company.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.97% DTI is below 43% maximum per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have 806 credit score.

0071890079

XXXXXX

NC

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

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

CD XX/XX/XXXX: Section Loan disclosures, demand feature is not selected. Please provide a LOX or provide a CD with correct information within 60 days of consummation.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.97% DTI is below 43% maximum per guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have 806 credit score.

0060412788

XXXXXX

OR

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

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Only CD in file is Final CD XX/XX/XXXX Signed XX/XX/XXXX. Per DocuSign XX/XX/XXXX and COC XX/XX/XXXX Initial CD was sent and received by Borrower XX/XX/XXXX. Initial CD not provided in file. Provide Initial CD XX/XX/XXXX.

1.2.19 - Client responded. "Attached find the Initial CD dated XX/XX/XXXX.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $103,420.58.  Reserves required $3495.81 x 12 = $41,949.72 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 22 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 786, minimum required is 720

0060412788

XXXXXX

OR

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

CMPTRID4579

TRID - CD: Missing Initial CD

No

Only CD in file is Final CD XX/XX/XXXX Signed XX/XX/XXXX. Per DocuSign XX/XX/XXXX and COC XX/XX/XXXX Initial CD was sent and received by Borrower XX/XX/XXXX. Initial CD not provided in file. Provide Initial CD XX/XX/XXXX.

1.2.19 - Client responded. "Attached find the Initial CD dated XX/XX/XXXX.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $103,420.58.  Reserves required $3495.81 x 12 = $41,949.72 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 22 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 786, minimum required is 720

0412335180

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

B

D

B

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Loan file is missing Initial CD, as well as additional CD.  CD Addendums are in the loan file dated XX/XX/XXXX & XX/XX/XXXX.  However, the CD's that coincide are missing. Lender must provide the missing CDs for review.

2.7.19 - Client responded. Disagree: **See attached Initial CD and XX/XX/XXXX CD

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same line of work for 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $69,737.52 reserves required. Verified reserves are $160,169.59($107,800.41 retirement).

0412335180

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

B

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Lender must provide the Affiliate Business Disclosure

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same line of work for 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $69,737.52 reserves required. Verified reserves are $160,169.59($107,800.41 retirement).

0412335180

XXXXXX

CA

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

Active

B

B

B

B

CMPTRID5019

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

No

CD Dated XX/XX/XXXX Other Costs - Section H. OtherTitle - Owner's Title Insurance is missing the "optional" designation.Lender must provide a revised PCCD with correction.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same line of work for 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $69,737.52 reserves required. Verified reserves are $160,169.59($107,800.41 retirement).

0412335180

XXXXXX

CA

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

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Earliest Close Date XX/XX/XXXX CD dated XX/XX/XXXX was not emailed to borrowers and was signed at closing.

2.7.19 - Client responded. "Disagree:  Initial CD was issued on XX/XX/XXXX and e-signed by both borrowers on XX/XX/XXXX.  Earliest close date was XX/XX/XXXX.  Loan closed on XX/XX/XXXX. **See initial CD

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same line of work for 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $69,737.52 reserves required. Verified reserves are $160,169.59($107,800.41 retirement).

0412335180

XXXXXX

CA

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

A desk review was received with a  reported value of $XXXXXX which is a variance of -$XXXX% less than the original appraised value of $XXXXXX.  A field review is recommended to support the original value.

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

2.13.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower employed in same line of work for 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total $69,737.52 reserves required. Verified reserves are $160,169.59($107,800.41 retirement).

0615458717

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

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 XX/XX/XXXX  No Loan Acceptance or Confirm receipt section.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $178,323.42.  Reserves required $4970.65 x 12 = $59,647.80. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying score is 781.  Minimum credit score required per guidelines is 700.

0615458717

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

CMPTRID4362

TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation

No

CD XX/XX/XXXX Closing Information section, subject property address is missing postal code

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves $178,323.42.  Reserves required $4970.65 x 12 = $59,647.80. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying score is 781.  Minimum credit score required per guidelines is 700.

0659482775

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 of $664,088.34 or 95.37 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 16.51% below guideline requirement of 43% by 26.49%.

0925852663

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 8.3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been with same profession for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 796 is 96 points higher than required 700.

0797531738

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:  $716,707.26 in total assets documented.  Effective amount is $626,844.74, with liquid assets of $492,050.98.  Post close reserves are $348,622.24.  Reserves required $7,352.94 x 12 = $88,235.28. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 14 years and B2 has been in the same profession for 13 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep Fico of the primary wage earner (771) exceed guideline requirement of 700.

0062581296

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

The file is missing the affiliated business disclosure.

12.5.18 - Client responded. The Loan Submission Summary attached states there were no fees paid to an affiliate; therefore, the Affiliated Disclosure was not required.

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.98%  max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying score. Min required per guidelines is 700.

0062581296

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support original appraised value

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

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 30.98%  max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying score. Min required per guidelines is 700.

0235552331

XXXXXX

VA

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

Required Affiliate Business Disclosure missing.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $223,852.96 or 65.84 months PITIA, guidelines required 12 months PITIA.

0235552331

XXXXXX

VA

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

CMPTRID4352

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

No

CD XX/XX/XXXX and Final CD XX/XX/XXXX Section: Loan Costs, Section B Title fees are listed in this section, however, the provider is not on the Services Provider List. They should be listed in Section C.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $223,852.96 or 65.84 months PITIA, guidelines required 12 months PITIA.

0235552331

XXXXXX

VA

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

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $223,852.96 or 65.84 months PITIA, guidelines required 12 months PITIA.

0536212955

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:  9 years and 3 months at current job per application. CFCFS2854: Significant time in profession - Clayton Comments:  7 years in current profession per application

0739160223

XXXXXX

MA

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.

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

12.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  751 qualifying score. Min required per guidelines is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been employed for 16 years.

0653759599

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:  700 credit score required; borrowers have a 746 score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% max back end DTI; borrowers have a 19.35% DTI.

0021611779

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

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Only CD provided in File is Final CD XX/XX/XXXX Signed XX/XX/XXXX. Appears per DocuSign Disclosure XX/XX/XXXX that Initial CD was sent and received on XX/XX/XXXX. Initial CD not provided in File.

1.7.19 - Client responded. See attached e-consent and initial CD

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.35%. Max DTI is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 760. Minimum score is 700 CFCFS2860: Good credit history - Clayton Comments:  No current or previous derogatory credit

0021611779

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

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID4579

TRID - CD: Missing Initial CD

No

Only CD provided in File is Final CD XX/XX/XXXX Signed XX/XX/XXXX. Appears per DocuSign Disclosure XX/XX/XXXX that Initial CD was sent and received on XX/XX/XXXX. Initial CD not provided in File. Please provide

1.7.19 - Client responded. See attached e-consent and initial CD

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 33.35%. Max DTI is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 760. Minimum score is 700 CFCFS2860: Good credit history - Clayton Comments:  No current or previous derogatory credit

0439881752

XXXXXX

UT

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.

11.28.18 -  A desk review was received  with a value of $XXXXXXXX and +X.XX% variance, supporting the original appraised value of $XXXXXXXX.

11.28.18 - Exception satisifed.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 772.  The minimum required score is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI ratio is 19.57.  The minimum required DTI per guidelines is 43%.

0191197136

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

Satisfied

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 Other Costs, Field: Is the Other Cost section properly formatted Homeowner's Insurance Premium company name listed as TBD. Corrected on subsequent CD dated XX/XX/XXXX.Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 24.75%, max allowed per G/L is 435

0807536648

XXXXXX

VA

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

Missing a complete 12 month's history of 0x30 housing payments; missing evidence of August rent payment.  Credit report dated 9/25/18 reflects mtg pmts last active 7/18 and 3 statements provided showing checks pd ($1200 on 8/31, 10/2, and 11/5) along with checks provided evidencing rent dated 8/29 and 10/1 (sept/oct rent).

12.19.18 - Client responded. Providing VOR including month in question.12.19.18 - Clayton has reviewed and VOR reflects 12 months paid on time as required.

12.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 16 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  767 qualifying score.

0652993289

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

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 XX/XX/XXXX Summaries of Transactions Section L - Line 4 Cash to Close of $562,000 is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation line 4 Cash to Close must be moved to the 'Other Credits' Section of L.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying score. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have spent 8 and 11 years in their respected professions. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 74 months of 0x30 mortgage payments.

0652993289

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.

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

12.13.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying score. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have spent 8 and 11 years in their respected professions. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects 74 months of 0x30 mortgage payments.

0795589672

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

Missing PDA to support original appraised value

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

12.13.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $300,916.23 or 57.33 mos PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 exceeds guidelines score of 700 by 110 points.

0320490998

XXXXXX

WA

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

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

12.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been employed for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 28.60%, max per guidelines is 43%.

0886441859

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 67.32%, which is 12.68% less than the guideline max of 80.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Dti is 30.40%, which is 12.60% less than guideline max of 43.0% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a median credit score of 800, which is 80 points higher than the guideline requirement of 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $204,296.57 in post-closing reserves, which is $159,358.01 more than the guideline required amount of $44,938.56, or 54.55 months in reserves of subject PITIA.

0038050028

XXXXXX

CO

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 profession for 16 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 60.85%. Max LTV is 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 30.60%. Max DTI is 43%

0256998439

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

State Consumer Protection

Satisfied

B

A

B

A

CMPSTCP2129

MD Counseling Notice not in file

No

State DCHD form missing from file. Please provide delivered to borrower within three days of the initial application date.

12.17.18 - Client responded. Attached find the MD Counseling Notice State Form DHCD.12.17.18 - Clayton has reviewed and disclosure provided and dated within 3 days of initial application.

12.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $132,596.71.  Reserves required $3718.61  x 12 = $44,623.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.84%, max allowed per G/L is 43%

0256998439

XXXXXX

MD

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

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

Please provide a revised CD with the corrected values in the LE column of the Calculating cash to close section, or the Final LE that corresponds to the final CD. Please provide a copy of the revised CD along with an LOX and verification CD was sent to borrower

12.19.18 - Client responded. See attached LE, CD, e-Consent.12.19.18 - Clayton reviewed and docs were not provided. 12.20.18 - Client responded. See attached LE, CD, e-Consent

12.19.18 - Exception remains. 12.20.18 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $132,596.71.  Reserves required $3718.61  x 12 = $44,623.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.84%, max allowed per G/L is 43%

0256998439

XXXXXX

MD

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

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

Please provide a revised CD with the corrected values in the LE column of the Calculating cash to close section, or the Final LE that corresponds to the final CD. Please provide a copy of the revised CD along with an LOX and verification CD was sent to borrower

12.19.18 - Client responded. See attached LE, CD, e-Consent.12.19.18 - Clayton reviewed and docs were not provided. 12.20.18 - Client responded. See attached LE, CD, e-Consent

12.19.18 - Exception remains. 12.20.18 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $132,596.71.  Reserves required $3718.61  x 12 = $44,623.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.84%, max allowed per G/L is 43%

0256998439

XXXXXX

MD

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

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Loan file missing Initial CD please provide.

12.19.18 - Client responded. See attached LE, CD, e-Consent.12.19.18 - Clayton reviewed and docs were not provided. 12.20.18 - Client responded. See attached LE, CD, e-Consent

12.19.18 - Exception remains. 12.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $132,596.71.  Reserves required $3718.61  x 12 = $44,623.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.84%, max allowed per G/L is 43%

0256998439

XXXXXX

MD

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

B

C

B

CMPTRID5115

TRID - Closing Disclosure:  The Creditors Brokers or Contact persons NMLS or State ID is missing

No

Missing Lender State ID License # and Contact State License ID # both required. Please provide a revised CD that includes both lender and contact State License ID #s. Revised CD and LOX to borrower.

12.19.18 - Client responded. Disagree.  Loan Originators have Federal IDs.   State ID not required.12.19.18 - Per Clayton Compliance department State ID not required.

12.19.18 - Exception satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $132,596.71.  Reserves required $3718.61  x 12 = $44,623.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.84%, max allowed per G/L is 43%

0256998439

XXXXXX

MD

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

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

12.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with the same employer for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required per G/L is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have Post close reserves in the amount of $132,596.71.  Reserves required $3718.61  x 12 = $44,623.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23.84%, max allowed per G/L is 43%

0631413721

XXXXXX

CA

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 in current owner occupied residence for 16 years and 6 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has been  employed for 37 years and 9 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower  has been employed for 20 years and 4 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.23 %, max per guidelines is 43%.

0296211309

XXXXXX

HI

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

A

A

A

CMPTRID5051

TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD

No

CD XX/XX/XXXX Section Other Cost Homeowners Insurance Premium should total $443 but the amount paid out of closing in the amount of $2496 was used as the total amount instead. If we used the correct amount of $443.00 is would cause a calculation error in I. total other cost section. This issue was corrected in the subsequent CD dated XX/XX/XXXX. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $433,932.17 or 69.29 months PITIA CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower employed at current job 18 years.

0296211309

XXXXXX

HI

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: XX/XX/XXXX Other Costs, Field: Is the Other Cost section properly formatted the following fees have the payable to name listed as TBD: Pest inspection & survey. Corrected on PC-CD dated XX/XX/XXXX.Exception Satisfied

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $433,932.17 or 69.29 months PITIA CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower employed at current job 18 years.

0554589492

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:  The Borrower has been on current job for17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrower DTI is  38.45%.  The max per guidelines is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying score is 761. Min required per guidelines is 700.

0784083304

XXXXXX

RI

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 close reserves in the amount of $802,382.69.  Reserves required $4633.93 x 18 = $83,410.74 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been employed with the same employer for 19 years and B5 10 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has been with the same employer for 29 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 68.08%, max allowed per G/L is 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.51%, max allowed per G/L is 43%

0021924837

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

Initial CD XX/XX/XXXX and Final CD XX/XX/XXXX Other Costs Section H Home Warranty Fee shows 'TBD' as Payee, also Initial CD XX/XX/XXXX and Final CD XX/XX/XXXX Other Costs Section H Natural Hazard Disclosure Report Fee shows 'TBD' as Payee. Errors are Satisfied on PCCD XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 795.  Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1  has been  employed for 6 years and 7 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided departing residence for 10 years and 9 months.

0080904700

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

Missing updated valuation supporting the original appraised value of $XXXXXX.

11.30.18- A Desk Review was received with a reported value of $XXXXXXXX which supports the original appraised value of $XXXXXXXX

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $908,671.95 in total assets documented.  Effective amount is $908,671.95, with liquid assets of $908,671.95.  Post close reserves are $408,671.95 or 55 months PITI.  Reserves required $7,324.30 x 12 = $87891.61. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO 798 exceeds guideline minimum FICO of 700

0012057045

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

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 Credit Score CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 gets Bonus Income from 3 sources for a total of  2017: $603,1562016: $242,782/24 = $35,247Lender only used one source $68,839 / 12 = $5,736, Remaining $27,235 in bonus income being used a com factor CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $119,095Verified Assets for Reserves $204,851($116,559.22 retirement).

0012057045

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

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Lender to provide VOR from XXX from 8/18-12/18

2.8.19 - Client responded. See attached explanation and documentation for VOR validation2.8.19 - Clayton has reviewed. Leases provided, copies of withdrawals paid to landlord & underwriter comments explain timeline.

2.8.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 Credit Score CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 gets Bonus Income from 3 sources for a total of  2017: $603,1562016: $242,782/24 = $35,247Lender only used one source $68,839 / 12 = $5,736, Remaining $27,235 in bonus income being used a com factor CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $119,095Verified Assets for Reserves $204,851($116,559.22 retirement).

0984205192

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

CMPTRID4276

TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Downpayment/Funds From Borrower but Did This Change? = Yes

No

The Final CD XX/XX/XXXX Downpayments/Funds of the CCTC Table LE column and CD Column match at $147000.  The "did this change" column states that Yes the amounts changed due to Increase. but should be No.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 819. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.63%. Max DTI for this program is 43.00%.

0984205192

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.

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

12.11.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 819. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24.63%. Max DTI for this program is 43.00%.

0494417722

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

CRDLGL2644

Missing proof there were no draws on HELOC in the last 12 months > $2,000

No

Provide proof of no draws on the XX HELOC

12.19.18 - Client responded. The Lender Client provided documentation showing the HELOC was at $0 balance.  Payoff of XXXX was $98.10 per CD.  Since account was paid off/down prior to closing and with Borrower bringing funds to close of over $9k, draw history does not affect loan purpose, thus a draw history was not required.12.19.18 - Clayton has reviewed and validated based on guidelines and docs in file.

12.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employment for 9.3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 46.07% is 33.93% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 795 is 95 points higher than required 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 33.79% is 9.21% less than required 43%.

0106113543

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

Final CD XX/XX/XXXX Summaries of Transactions Section L - Line 4 Proceeds of Subordinate Lien of $XXXXXX is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation line 4 Proceeds of Subordinate Lien must be moved to the 'Other Credits' Section of L.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The CLTV is XX.XX%; the maximum per guidelines is 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been on current job for 6 years and 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 808. The minimum required per guidelines is 700.

0282464465

XXXXXX

MA

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

Missing HUD 1 from sale of departing residence XXX verify assets of $XXXXXXX.

1.5.19 - Client responded. Attached find the Closing Disclosure (prior residence) showing sufficient assets to close.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 62.75% is 17.25% less than guidelines allowable 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 800 is 100 points higher than required 700.

0282464465

XXXXXX

MA

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

CRDLGL2550

Missing HUD-1 from sale of property

No

Missing CD for sale of previous primary at XXX to verify required assets and payoff of XXX.

1.5.19 - Client responded. Attached find the Closing Disclosure (prior residence) showing payoff of XXX.

1.5.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 62.75% is 17.25% less than guidelines allowable 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 800 is 100 points higher than required 700.

0412019924

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

Satisfied

B

B

B

B

CMPTRID4352

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

No

Initial CD XX/XX/XXXX Other Costs Section F HOI Missing Payee, Section H Fee Line 1 missing Payee.Final CD XX/XX/XXXX Other Costs Section H Fee Line 1 missing Payee.Errors are Satisfied on PCCD XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO 757 from the primary wage earner exceed g/l min of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $388,024.77 in total assets documented.  Effective amount is $361,911.06, with liquid assets of $322,740.50.  Post close reserves are $174,147.85 or 34.15 months PITI.  Reserves required $5,099.74 x 12 = $61,196.88.

0412019924

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

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

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO 757 from the primary wage earner exceed g/l min of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $388,024.77 in total assets documented.  Effective amount is $361,911.06, with liquid assets of $322,740.50.  Post close reserves are $174,147.85 or 34.15 months PITI.  Reserves required $5,099.74 x 12 = $61,196.88.

0288791227

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

CMPTRID5019

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

No

CD'S dated  XX/XX/XXXX and  XX/XX/XXXX missing optional designation in section H of Other costs for Home Warranty. Please provide a revised CD that includes optional designation for this fee as required. Please provide revised CD and LOX to borrower with verification both were sent.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 qualifying score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.81% DTI.

0607321332

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 Post close reserves in the amount of $278,877.59.  Reserves required $3098.53 x 12 = $37,182.36 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX employed for 13 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 804, minimum required per G/L is 720

0287225908

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:  780 qualifying score. Min required per guidelines is 700 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 5 years. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 25.67%, max per guidelines is 43%.

0993894024

XXXXXX

MD

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

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file unable to verify seller paid fees and Credits. Please provide Seller CD

1.31.19 - Client responded. Disagree: Borrower CD includes Seller Side of CD; meets TRID requirements.   XX will not remediate.

1.31.19 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36%. Max DTI for this program is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 779. Minimum credit score for this program is 720.

0993894024

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Credit

Assets

Active

B

B

B

B

CRDAST205

Insufficient Funds to Close

No

No documentation provided to support liquidation of sufficient funds to close. Lender approved exception to waive requirement to liquidate funds from XXX investment account XXX in file. Compensating factors converting balloon to fixed, potential for increased earnings, and equity in project.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36%. Max DTI for this program is 43%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 779. Minimum credit score for this program is 720.

0053684737

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

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 VOEs for both borrowers that are within 10 business days prior to the Note date of  XX/XX/XXXX; VOEs are either more than 10 business days prior or after close on  XX/XX/XXXX.

1.29.19 - Client responded. See attached documentation1.29.19 - Clayton has reviewed and VVOE's provided are within required timelines.

1.29.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current their employer for 14 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.59%. Maximum DTI allowed 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 63.53%. Maximum LTV allowed 80.00%

0053684737

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Credit

Assets

Active

B

B

B

B

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Reserves are insufficient for payment shock. Lender Exception/approval in file for insufficient reserves; ($3,474.67 x 12) = $41,696.04 required reserves.  $283,553.89 required to close with $302,008.32 verified liquid and $100,617.06 verified reserves (Using guideline directive of only 50% of retirement funds to be used for reserves). Compensating factors are low DTI, large down payment, residual income and good job time.

1.29.19 - Client responded. The UW was aware and received exception approval for PCL not meeting guideline requirement.  Comp factors for the 10 month PCO exception include low LTV, low DTI, borrowers are not heavy debt users and strong residual income of $7900 per month.1.29.19 - Clayton has reviewed and considers non-material.

1.29.19 - Exception remains.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current their employer for 14 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.59%. Maximum DTI allowed 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 63.53%. Maximum LTV allowed 80.00%

0053684737

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2340

Employment verification does not meet guidelines

No

Missing VOEs for both borrowers that are within 10 business days prior to the Note date of  XX/XX/XXXX; VOEs are either more than 10 business days prior or after close on  XX/XX/XXXX.

1.29.19 - Client responded. The VVOE's were done on XX/XX/XXXX which is after the note date of XX/XX/XXXX, but prior to the disbursement date of XX/XX/XXXX.1.29.19 - Clayton has reviewed and VVOE's provided are within required timeline.

1.29.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current their employer for 14 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.59%. Maximum DTI allowed 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 63.53%. Maximum LTV allowed 80.00%

0053684737

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

FEMA disaster #4407 declaration date 11/12/2018 and effective date 11/25/2018. No subsequent inspection. Appraisal dated 10/23/2018. Noted dated  XX/XX/XXXX

1.30.19 - PDI provided and no damage.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed with current their employer for 14 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Qualifying DTI 29.59%. Maximum DTI allowed 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Qualifying LTV 63.53%. Maximum LTV allowed 80.00%

0329557283

XXXXXX

CA

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

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

Final CD  XX/XX/XXXX Calculating Cash to Close Table (Loan Estimate column) does not match any  Loan Estimate (Calculating Cash to Close sections) provided.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  816 Credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $47,087.64Verified Assets for Reserves $239,924 CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.82% DTI

0329557283

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing Home Inspection for FEMA Disaster effective 11/25/18 (XXX). Appraisal in file dated XXX.

2.7.19 - PDI provided and no damage.

2.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  816 Credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $47,087.64Verified Assets for Reserves $239,924 CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.82% DTI

0949020253

XXXXXX

DC

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.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  798 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $726,524.21 or 145.93 months PITIA, guidelines required 12 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 10 years.

0889127448

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:  16 years on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required 12 months $55,255Verified Assets for Reserves $400,346

0677736732

XXXXXX

DC

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:  11 years on the job per Wvoe CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 on the job for 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  777 Credit score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $40,728Verified Assets for Reserves $137,985 CFCFS1744: DTI below guideline requirement - Clayton Comments:  31% DTI

0381285632

XXXXXX

VA

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

1. Missing evidence that the borrower's sister has made payments on the remaining REO for the past 12 months. 2. 43.16% DTI exceeds the 43% maximum; mortgage statement for the departure residence reflects a higher payment that the borrower was qualified with.  YTD OT income is not in line with past history and so review did not utilize a ytd only calculation (Subject PITI $3755.59 + REO $2742.96 + consumer debt $88/base income $15,016.67 + OT $245.02).

12.12.18 - Client responded. The recognition pay (listed as OT on the Work Number VOE) is increasing, not decreasing. It was $1634 in 2016, $2533 in 2017 and is $4071 as of 10/19/2018 which results in an increasing 21.61 month trend of $305.67. This makes the total income $15322.33 which makes the DTI 42.98%. Additionally there is other income totaling $3,000 shown on the current years paystub not used in qualifying (XXXXXXXXXX)

12.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 74 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score.

0381285632

XXXXXX

VA

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

CMPTRID4377

TRID - CD: Closing Disclosure contains conflicting loan attributes

No

CD :  XX/XX/XXXX [Last CD], Section: Loan Disclosures, Field: Is Demand Feature Present?, Value: Yes -  no checkmarks indicated.Revised CD required that indicates whether the Demand feature has or does not have a demand feature in the loan disclosure section. Revised CD and LOX to be provided to borrower.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 74 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score.

0381285632

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Missing evidence that the borrower's sister (a non-borrowing title holder on this transaction) has made payments on the remaining REO for the past 12 months.

12.12.18 - Client responded. See attached bank statement and bill pay from XXX evidencing the last 12 payments were made to XXXXXXXX.

12.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 74 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score.

0381285632

XXXXXX

VA

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

CRDDTI105

Debt Ratio Exception 5% or Less

No

43.16% DTI exceeds the 43% maximum; mortgage statement for the departure residence reflects a higher payment that the borrower was qualified with.  YTD OT income is not in line with past history and so review did not utilize a ytd only calculation (Subject PITI $3755.59 + REO $2742.96 + consumer debt $88/base income $15,016.67 + OT $245.02).

12.12.18 - Client responded. The recognition pay (listed as OT on the Work Number VOE) is increasing, not decreasing. It was $1634 in 2016, $2533 in 2017 and is $4071 as of 10/19/2018 which results in an increasing 21.61 month trend of $305.67. This makes the total income $15322.33 which makes the DTI 42.98%. Additionally there is other income totaling $3,000 shown on the current years paystub not used in qualifying (XXXXXXXXXX)

12.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 74 months of 0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score.

0834639210

XXXXXX

CA

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

CMPTRID4352

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

No

Initial CD  XX/XX/XXXX and Final CD  XX/XX/XXXX Other Costs Section H Home Warranty Fee shows 'TBD' as Payee.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has had a good credit history since 1986. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 qualifying score.

0834639210

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for FEMA disaster Wildfires effective 11/12/18; appraisal dated 10/23/18, prior to FEMA disaster.  Property Inspection Report has been ordered.

12.6.18 - Property Inspection provided and reflects no damage.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has had a good credit history since 1986. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 qualifying score.

0632267246

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

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

CD:  XX/XX/XXXX Section: Calculating Cash to Close, Field: Down Payment/Funds from Borrower - Loan Estimate, Value: $0 is different from the value $172,500 disclosed on the last LE dated  XX/XX/XXXX. Provide a post-consummation CD with corrections to Section Calculating Cash to Close, Field: Down Payment/Funds from Borrower within 60 days of the consummation date.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying credit score is 793.  Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 5 years.

0632267246

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

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

CD:  XX/XX/XXXX ,Section: Calculating Cash to Close, Field: Seller Credits -$0  Loan Estimate column, is different from the value $-690 disclosed on the last LE. Provide a  post-consummation CD within 60 days of the consummation date.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying credit score is 793.  Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 5 years.

0632267246

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

XX/XX/XXXX , Section: Calculating Cash to Close, Field: Total Closing Costs (J) on the Loan Estimate, column $ 7,743.00 is different from the value $10,919 disclosed on the last LE.Provide post-consummation CD within 60 days of the consummation date.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying credit score is 793.  Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 5 years.

0632267246

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

CD:  XX/XX/XXXX Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate Column $7,743.00,is different from the value $182.729 disclosed on the last LE.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrower qualifying credit score is 793.  Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 5 years.

0748321585

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:  Max LTV allowed 70%, LTV closed at 52.02 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves $45,628.44,  available reserves $266,846.72 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 816. Min 720.

0800415180

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:  797 Credit Score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  7 years on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $51,462Verified Assets for Reserves $89,844.84 CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.98% DTI

0791462970

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:  763 Credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $1,760,446.62 iin total assets documented.  Effective amount is $1,557,396.92, with liquid assets of $1,252,822.38. Post close reserves are $1,099,999.20. Reserves required $16,154.22 x 12 = $193,850.64.

0763907264

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 30.22%; max allowable 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has worked with the same employer for 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 794; minimum score required is 680.

0549839732

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 797 for the primary wage earner. Minimum credit score for this program is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24%. Max DTI for this program is 43%.

0758056689

XXXXXX

PA

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 66.67%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  751 qualifying score. Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 6 years.

0087027053

XXXXXX

AZ

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

CMPTRID4276

TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Downpayment/Funds From Borrower but Did This Change? = Yes

No

Calculating Cash to Close,  Down Payment/Funds from Borrower both amounts are $475000. ":did this change" is marked Yes. Down payment did not change. Values stayed the same and should be No . Revised CD with corrected indicator required. Revised CD and LOX to borrower.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 16 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 771. Min score is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 19.89%. Max DTI is 43%

0975126152

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

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Only CD's provided in File are Final CD  XX/XX/XXXX Signed  XX/XX/XXXX and PCCD  XX/XX/XXXX. Per Disclosure Tracking Disclosure  XX/XX/XXXX Initial CD was sent and Received  XX/XX/XXXX. Initial CD not provided in File.

1.7.19 - Client responded. See attached e-consent and initial CD

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been on job over 8 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.84%. Max DTI is 43%

0975126152

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

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID4579

TRID - CD: Missing Initial CD

No

Only CD's provided in File are Final CD  XX/XX/XXXX Signed  XX/XX/XXXX and PCCD  XX/XX/XXXX. Per Disclosure Tracking Disclosure  XX/XX/XXXX Initial CD was sent and Received  XX/XX/XXXX. Initial CD not provided in File.

1.7.19 - Client responded. See attached e-consent and initial CD

1.7.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been on job over 8 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.84%. Max DTI is 43%

0975126152

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

Title

Satisfied

C

A

C

A

CRDTIL100

Potential title issue

No

Preliminary title report in file does not list borrowers as proposed insured. No final Title in file.

12.14.18 - Client responded. See attached Preliminary Title report  that shows on page 7 the names of proposed  insured for title insurance which is the borrowers' names.12.14.18 - Clayton has reviewed and prelim title page 7 reflects borrowers name.

12.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been on job over 8 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 27.84%. Max DTI is 43%

0134978105

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 19 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 qualifying score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  64x0x30 mortgage payments.

0575756744

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

DTI

Active

B

B

B

B

CRDDTI106

Debt Ratio Exception >5% and <10%

No

Front end ratio is 42.59%. Max front end ratio is 36% per XXX Non Conforming guidelines.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. Minimum score is 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.51%. Max LTV is 80%

0575756744

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

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

12.12.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 798. Minimum score is 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.51%. Max LTV is 80%

0960134205

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 797. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.83%.

0941588760

XXXXXX

NC

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

Zero Tolerance Fee  exceeded by $265 CD's Dated  XX/XX/XXXX &  XX/XX/XXXX: Loan Costs - Section B Services Borrower Did Not Shop ForFees added totaling $265 with no valid COC found in the loan file.   1. Title - Document Preparation Fees iao $250   2. Title - Document Storage/Archive/ Fee iao $15Lender must provide an LOX, corrected CD, refund and proof of delivery to the borrowers within 60 days of closing.

2.15.19 - Client responded. Disagree. The $265 cited by investor incorrectly placed title fees in the zero percent category.  Title fees previously listed on the Loan Estimate in the 10% category remained in the ten percent category on Borrower Closing Disclosure and Final Closing Disclosure.  In addition, new Title fees were added for an accumulative total of $465.  Combined with the decrease of settlement fee, title courier, and lenders title insurance from $2,270 to $1599.36, the ten percent category decreased from $2,360 to $2,154.36 for a variance reduction of $205.64.  Ten percent threshold passes 10% tolerance test. This is not a testing defect so corrective action is not required.2.15.19 - Clayton has reviewed and disagrees. Final CD dated XX/XX/XXXX  reflects all fees moved to section B and none in section C. These now become zero percent tolerance fees and regardless if the total of the title fees are less than disclosed prior the additional fees added are subject to COC and tolerance. 2.20.19 - Client responded. "2/19/19: Disagree: Please see 1026.19(e)(3)(ii)3. Services for which the consumer may, but does not, select a settlement service provider. Good faith is determined pursuant to  1026.19(e)(3)(ii), instead of  1026.19(e)(3)(i), if the creditor permits the consumer to shop for a settlement service provider, consistent with  1026.19(e)(1)(vi)(A). Section 1026.19(e)(3)(ii) provides that if the creditor requires a service in connection with the mortgage loan transaction, and permits the consumer to shop for that service consistent with  1026.19(e)(1)(vi), but the consumer either does not select a settlement service provider or chooses a settlement service provider identified by the creditor on the list, then good faith is determined pursuant to  1026.19(e)(3)(ii), instead of  1026.19(e)(3)(i). For example, if, in the disclosures provided pursuant to  1026.19(e)(1)(i) and 1026.37(f)(3), a creditor discloses an estimated fee for an unaffiliated settlement agent and permits the consumer to shop for that service, but the consumer either does not choose a provider, or chooses a provider identified by the creditor on the written list provided pursuant to  1026.19(e)(1)(vi)(C), then the estimated settlement agent fee is included with the fees that may, in aggregate, increase by no more than 10 percent for the purposes of  1026.19(e)(3)(ii). If, however, the consumer chooses a provider that is not on the written list, then good faith is determined according to  1026.19(e)(3)(iii)."2.20.19 - Clayton has reviewed and will escalate to Compliance Department for further review. 2.21.19 - Clayton Compliance Department has reviewed and Under TRID 2.0 the list of services on the Written List and the services on the LE do not have to match exactly; the lender only has to list required services. If the vendor then adds services tied to the overall service but not specifically required by the lender, such as a notary fee, you may still answer "Y" that the service was shoppable. Answer "N" if there is evidence that a specific service was required but is not listed.

2.15.19 - Exception remains. 2.20.19 - Exception remains. 2.21.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  11 years on the job per Wvoe CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  787 credit Score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired pe12 months $42,635Verified Assets for Reserves $225,199.62 CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B2 XXX income is not being used to qualify, being used as a com factor.2017 K1 $53,605 2017 W2 $150,481

0792956110

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

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 prior employment VOE to verify 24 months with no gaps more than 1 month; VOE in file reflects start date 2/11/18.

1.3.19 - Client responded. Providing previous year's W-2 to complete 24 month employment history.

1.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying score.

0792956110

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Compliance

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

Loan documents reflect xxx while the NMLS search results in xxx and xxx.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying score.

0792956110

XXXXXX

MD

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

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

CD  XX/XX/XXXX: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table $131,048.00 is different from the value $ 130,748 disclosed on the last LE  XX/XX/XXXX. Provide post-consummation CD within 60 days of the consummation date.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying score.

0792956110

XXXXXX

MD

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

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  XX/XX/XXXX: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table $393,22.00 is different from the value $30,131 disclosed on the last LE  XX/XX/XXXX. Provide post-consummation CD within 60 days of the consummation date.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying score.

0792956110

XXXXXX

MD

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

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

CD  XX/XX/XXXX: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table $128,183.00 is different from the value $ 118,692 disclosed on the last LE  XX/XX/XXXX.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying score.

0792956110

XXXXXX

MD

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

A

A

D

B

D

B

B

B

A

A

D

B

Credit

Income/Employment

Active

B

B

B

B

CRDINC2340

Employment verification does not meet guidelines

No

Missing prior employment VOE to verify 24 months with no gaps more than 1 month; VOE in file reflects start date 2/11/18. Downgraded to non-material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 33 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying score.

0516456084

XXXXXX

VA

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

Required Affiliate Business Disclosure missing, Please provide.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 784. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21.88%. Max DTI for this program is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 19.11 months cash reserves.

0516456084

XXXXXX

VA

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 appraised value of $ XXXXXX

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

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 784. Minimum credit score for this program is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 21.88%. Max DTI for this program is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have 19.11 months cash reserves.

0975403184

XXXXXX

MA

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

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

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 67% below maximum guideline of 80%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been employed with current employer for 10 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 0 late mortgage payments in the last 24 months.

0454243427

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 $159,522.47 or 39.86 months PITIA CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.62 below guideline requirement of 43% by 10.38%.

0970980482

XXXXXX

LA

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 have been on current job for 11.10 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late mortgage payments in the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $112,701.59. 30.97 months reserves CFCFS2854: Significant time in profession - Clayton Comments:  Borrower have been in the same profession for 12 years.

0312293149

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

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:  XX/XX/XXXX and PC CD  XX/XX/XXXX  Does not contain either   Other Disclosures Section: Loan Acceptance or Is the Confirm Receipt section.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 representative FICO exceeds minimum  700 required.

0312293149

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

Active

B

B

B

B

CMPTRID5019

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

No

CD:  XX/XX/XXXX and PC CD  XX/XX/XXXX  Other Fees Section H: Title- owner's Insurance does not indicate optional designation.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 representative FICO exceeds minimum  700 required.

0312293149

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

A

B

A

CMPTRID3476

TRID - Written List of Providers not provided or untimely

No

Written List of Providers not provided timely. Initial application date XXX and document not provide until  XX/XX/XXXX.

2.3.19 - Client responded. Reg Z App date is XXX

2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 representative FICO exceeds minimum  700 required.

0312293149

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

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Initial application sent  XX/XX/XXXX and initial LE was issued and delivered on  XX/XX/XXXX. *Please provide updated LE.

1.30.19 - Client responded. Reg Z App date is XXX.  Missing Loan Estimate sent electronically on XX/XX/XXXX per disclosure tracking.   Following up with Correspondent Seller for Initial LE to meet TRID timing requirement.2.3.19 - Client responded. See attached LE dated XX/XX/XXXX

1.30.19 - Exception remains. 2.3.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 representative FICO exceeds minimum  700 required.

0312293149

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

A

C

A

CMPTRID5057

TRID - CD: Inconsistency between the amounts disclosed for the components of the escrow amount in Other Costs and the total escrow amount disclosed in Loan Disclosures

No

CD: XX/XX/XXXX and PC CD  XX/XX/XXXX   Other Costs Section F: Homeowner Insurance Amount, Value: $6276.49 does not equal the 12mos times Homeowner Insurance Amount Per Month, Value: $36.83.

1.30.19 - Client responded. Disagree:  Over year one the borrower will make 11 payments from consummation.  $579.59x11=$6276.49.   This meets escrow table disclosure requirements.  No violation.

1.30.19 - Exception satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 representative FICO exceeds minimum  700 required.

0312293149

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

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

Missing evidence of change of circumstance letter or a copy of a refundable check in the amount of $125 for appraisal fee for zero percent tolerance fees.

1.30.19 - Client responded. Disagree:   Change Circumstance in file dated XX/XX/XXXX and LE in file dated XX/XX/XXXX.  Underwriter notes indicate home had to be converted from Model Home back to house. See attached documentation.

1.30.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 representative FICO exceeds minimum  700 required.

0202572671

XXXXXX

OR

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.

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

12.14.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $145,230.07.  Reserves required $46,419.72  ($3868.31 x 12) CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrowers DTI is 28.48%.  The maximum DTI is 43% per guidelines.

0295211725

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing subsequent inspection. Declaration Date: 11/12/18, Wildfires. Property Inspection Report has been ordered.

12.6.18 - Property Inspection provided and reflects no damage.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of $254,238.25.  Reserves required $4247.12 x 12 = $50,965.44 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.50%, max allowed per G/L is 43%

0399507623

XXXXXX

IL

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

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

CDs Dated  XX/XX/XXXX &  XX/XX/XXXX Zero Tolerance fee exceeded by $25 due to addition of the Title-Overnight Mail fee. Borrower chose Title Company on SPL and this is a section B fee therefore borrower did not shop for and is a zero tolerance fee issue. No COC in file. Lender must provide an LOX, corrected CD, refund and proof of delivery to the borrower within 60 days of closing.

12.20.18 - Client responded. Disagree. The $25 Title-Overnight Mail fee is a 10% fee.  The Loan Estimate and Service Provider List disclose title fees as shoppable.  The Closing disclosure indicates the borrower did not shop.  The SPL does not specifically list the overnight fee but this fee is paid to the same title company.  This would not be a zero-tolerance fee.12.20.18 - Per Clayton compliance department this is acceptable. Although the fee is not listed on the SPL as it doesn't have to be itemized the fee was paid to the same Title Company therefore would be a 10% tolerance fee and there is no issue with the 10%.

12.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 47.29%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 qualifying score. Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 5 years and 1 month. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower  has been employed for 6 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 9.5 years.

0399507623

XXXXXX

IL

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.

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

12.20.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 47.29%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 qualifying score. Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been employed for 5 years and 1 month. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower  has been employed for 6 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 9.5 years.

0812963060

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Missing e consent for LE  XX/XX/XXXX that is e-signed.

2.15.19 - Client responded. Attaching copy of form Correspondent Lender uses for e-consent. The e-consent is part of the e-disclosure process.

2.15.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $60,792.25 @ 18.33 PITIA months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.88% DTI below max 43% allowed.

0812963060

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

The lender must provide the Affiliate Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $60,792.25 @ 18.33 PITIA months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.88% DTI below max 43% allowed.

0812963060

XXXXXX

OR

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP2556

Acreage exceeds property eligibility guidelines

No

Per Correspondent Non-Agency guides page 208 Subject property is 12.24 acres; exceeding 10 acres. Did not see lender exception in file.

2.19.19 - Client responded. There is no exception required as this guideline (see attached, also included in Correspondent guidelines pages 204 and 205 of 227) is specific to LTVs greater than 80% LTV. The subject LTV is 78.96%.

2.19.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $60,792.25 @ 18.33 PITIA months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.88% DTI below max 43% allowed.

0160985573

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:  Midpoint fico of 775 exceed g/l min of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $241,592.50 or 75.25 months PITI.  Reserves required $3,210.41 x 12 = $38,524.92 CFCFS1736: Significant time at current residence - Clayton Comments:  Resided in departure residence 6+ years

0764539747

XXXXXX

NM

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

CMPTRID4352

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

No

Final CD  XX/XX/XXXX Other costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized. Cannot just reflect a total. Something has to be in Deed or Mortgage or both.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close assets of $1,135,454.80 / pitia $4,636.00 = 244.9 months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has low ratio of 9.61%. Max ratio is 43%.

0764539747

XXXXXX

NM

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.

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

12.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified post close assets of $1,135,454.80 / pitia $4,636.00 = 244.9 months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower has low ratio of 9.61%. Max ratio is 43%.

0280852278

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

Right of Rescission

Active

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 14.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 36.83% is 6.17% less than required 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's DTI of 55.56% is 14.44% less than required 70%.

0280852278

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: calculating cash to close screen: cash to close:    Closing costs financed (financed from your loan amount total of $0 does not match clayton calculstion $7887.80. The borrower is receiving cash back , closing costs are $9234.80 - POC fees of 1347.00 = 7887.80 Closing costs that are financed. Please provide a revised CD that reflects the closing costs financed from the borrowers loan amount. Please provide Revised CD and LOX to borrower.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for 14.4 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 36.83% is 6.17% less than required 43%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's DTI of 55.56% is 14.44% less than required 70%.

0874600581

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

Satisfied

B

B

B

B

CMPTRID4352

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

No

Final CD  XX/XX/XXXX: Section Other Cost H. Other, Line 02 Natural Hazard Disclosure missing payee.Issue corrected on subsequent PCCD dated  XX/XX/XXXX. Exception Satisfied.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.28% DTI CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score.

0874600581

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.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.28% DTI CFCFS2854: Significant time in profession - Clayton Comments:  B1 has been in the same profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  796 qualifying score.

0466040773

XXXXXX

DE

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:  10 years in Current Residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  818 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 12 months $36,378Verified Assets for Reserves $534,209

0977743509

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:  DTI 26.09%. Max DTI for this program is 43.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 791. Minimum credit score for this program is 700.

0579585279

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

A

A

D

B

D

B

A

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 current lease agreement for REO calculated with net rental loss as required by Appendix Q.

1.11.19 - Client responded. Borrower has a 2 year rental management history per the 2016 and 2017 returns.  The returns are over 9 months old and rental income of only $422 is being used.  Total income is $11,972.  This is less than 25% of the total income so the lease agreement isnt needed.

1.11.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  776 representative FICO exceeds minimum 700 required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below max 80% allowed.

0579585279

XXXXXX

IL

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

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  XX/XX/XXXX does not have confirmed receipt verbiage or signature line.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  776 representative FICO exceeds minimum 700 required. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below max 80% allowed.

0382890872

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

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

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

12.26.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $2,065,468.74 or 655.31 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 6.04% below guideline requirement of 43% by 36.96%

0962698162

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:  34.36% DTI below max 43% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  756 representative FICO exceeds minimum 720 required CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with employer for 9 years and 11 months.

0981328938

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing subsequent inspection. Disaster Date: 11/12/18, Wildfires. Property Inspection Report has been ordered.

12.6.18 - Property Inspection provided and reflects no damage.

12.6.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70, max allowed per G/L is 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower  has been with the same employer for 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves of $93,208.78.  Reserves required $3270.86 x 12 = $39,250.32

0958635689

XXXXXX

AZ

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 been with same employer for 8 years. CFCFS2854: Significant time in profession - Clayton Comments:  Co-borrower has been in same profession for 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 75% is 5% less than required 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI of 26.15% is 16.85% less than required 43%.

0009160066

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 the VVOE for B1 dated  within 20 business days prior to the Note date of  XX/XX/XXXX. THE VVOE in file is dated  XX/XX/XXXX after the NOTE date

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  795 qualifying score. Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been  employed for 14 years.

0296823969

XXXXXX

MA

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

Please provide 2017 W-2 for Borrower 1 as W2 in file is not legible.

12.19.18 - Client responded. 2017 W2 is legible if magnified, which is a function in ICMP.  VOE from In verify lists 2017 earnings as well.12.19.18 - Clayton has reviewed and W2 provided is more legible and supports income used.

12.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 801. Minimum score is 700. CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history

0296823969

XXXXXX

MA

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

CRDINC2408

Income verification does not meet guidelines

No

Please provide 2017 W-2 for Borrower 1 as W2 in file is not legible.

12.19.18 - Client responded. 2017 W2 is legible if magnified, which is a function in ICMP.  VOE from In verify lists 2017 earnings as well.12.19.18 - Clayton has reviewed and W2 provided is more legible and supports income used.

12.19.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on job for over 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 801. Minimum score is 700. CFCFS1739: Postive mortgage payment history - Clayton Comments:  No previous or current derogatory mortgage pay history

0697450773

XXXXXX

MA

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:  60.78% LTV below max 80% allowed CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 representative FICO exceeds minimum 720 required

0742197544

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

Active

B

B

B

B

CMPTRID5019

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

No

CD  XX/XX/XXXX Other Costs section, Field H: Borrower paid Home Warranty is missing optional designation

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying credit score is 799 which exceeds guideline of 700 minimum.

0742197544

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

CMPTRID3600

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

No

Missing e consent for CD  XX/XX/XXXX

1.2.19 - Client responded. See attached e-consent dated XX/XX/XXXX.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying credit score is 799 which exceeds guideline of 700 minimum.

0742197544

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

CMPTRID5111

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

No

Missing e consent for LE  XX/XX/XXXX

1.2.19 - Client responded. See attached e-consent dated XX/XX/XXXX.

1.2.19 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying credit score is 799 which exceeds guideline of 700 minimum.

0731676278

XXXXXX

CT

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

Lenders approved exception request in file to waiver proof of liquidation for the use of the xxx IRA account for funds to close. Compensating factors include Demonstrated savings ability, Strong reserves, Low Debt to Income ratio and strong residual income. Non material.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779 qualifying score. Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have resided in current owner occupied residence for 10 years.

0507427643

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Affiliate Business Disclosure missing

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $231,214.25 in total assets documented.  Effective amount is $231,214.25, with liquid assets of $231,214.25.  Post close reserves are $75,185.25.  Reserves required $3,260.76 x 12 = $39,129.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 781 exceed guideline minimum required of 700.

0507427643

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

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

Missing proof of prior e-sign consent and proof of delivery for LE  XX/XX/XXXX.

11.30.18 - Client responded. Providing copy of e-Consent dated XX/XX/XXXX

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $231,214.25 in total assets documented.  Effective amount is $231,214.25, with liquid assets of $231,214.25.  Post close reserves are $75,185.25.  Reserves required $3,260.76 x 12 = $39,129.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 781 exceed guideline minimum required of 700.

0507427643

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

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

Missing proof of prior e-sign consent and proof of delivery for CD  XX/XX/XXXX.

11.30.18 - Client responded. Providing copy of e-Consent dated XX/XX/XXXX

11.30.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $231,214.25 in total assets documented.  Effective amount is $231,214.25, with liquid assets of $231,214.25.  Post close reserves are $75,185.25.  Reserves required $3,260.76 x 12 = $39,129.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 781 exceed guideline minimum required of 700.

0507427643

XXXXXX

VA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing PDA to support the original appraised value.

11.28.18 -  A desk review was received supporting the original appraised value of $XXXXXXXX with 0% variance.

11.28.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $231,214.25 in total assets documented.  Effective amount is $231,214.25, with liquid assets of $231,214.25.  Post close reserves are $75,185.25.  Reserves required $3,260.76 x 12 = $39,129.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 781 exceed guideline minimum required of 700.

0695718757

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:  746 Credit Score  exceed guideline minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves are $296,414.80.  Reserves required $5,810.01 x 12 = $69,720.12 CFCFS1744: DTI below guideline requirement - Clayton Comments:  22.96% DTI is below guideline requirements of 43%

0529057602

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

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

12.17.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at present employer 24+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Midpoint FICO (801) for the primary wage earner exceed guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 36.87% is below guideline max of 43%

0407049834

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:  800 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $87508.46  or 23.24  months PITIA, guidelines required 12 months PITIA. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in current profession for 13 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.43%, max per guidelines is 45%.

0727526444

XXXXXX

FL

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.

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

12.5.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 qualifying score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $115,341.53 required to close with $225,111.38 verified liquid.  $ 4563.54 * 12= $54,762.48 required reserves; $109,769.85 reserves verified.

0285894907

XXXXXX

MD

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:  With the same employer for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  With the same employer for 12 years. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 has 3 years receipt of bonus income average over 36 months $10,803.94 per month which is not being used to qualify. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Remaining Post-Closing reserves $898,432.10 - 141 months of combined PITI for the subject purchase and the departing residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit scores 791/789.

0497731919

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  XX/XX/XXXX Summaries of Transactions Section L - Line 4 Cash to Close of $252,000 is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation line 4 Cash to Close must be moved to the 'Other Credits' Section of L. LOX and redisclosed CD within 60 days of discovery

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 56% is 24% less than required 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's mid FICO score of 786 is 86 point higher than required 700.

0122255709

XXXXXX

GA

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:  38x0x30 mortgage payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  795 qualifying score.

0732204404

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  XX/XX/XXXX: Loan Disclosures Screen: Demand feature section: No option selected. Corrected on post close Cd.Exception satisfied.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The Borrowers have been in their respected professions for 18 and 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The borrower DTI is 25.47%.  The maximum per guidelines is 43%.

0657085758

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:  788 representative FICO exceeds minimum 700 required.

0792928078

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:  65.96% LTV. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.21% DTI CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in their respected professions for 24 and 19 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payments.

0295532969

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

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing Homeowners Counseling List.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 63.39%. Max LTV for this program is 80.00%.

0295532969

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.

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

12.11.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 780. Minimum credit score for this program is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 63.39%. Max LTV for this program is 80.00%.

0007413712

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:  Effective amount is $577,985.36, with liquid assets of $414,554.56.  Post close reserves are $305,701.17.  Reserves required $7887.94 x 12 = $94,655.28. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The borrowers qualifying credit score is 790.  The minimum required score per guidelines is 700.

0346099064

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:  Borrower has been with the same employer for 21 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has Post close reserves in the amount of 1,153,366.94.  Reserves required $5209.25 x 12 = $62,511 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying FICO is 803, minimum required is 720

0486628782

XXXXXX

CA

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

CMPTRID4352

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

No

Initial CD  XX/XX/XXXX and Final CD  XX/XX/XXXX Other Costs: Section H - Third Party Notary Fee shows 'TBD' as Payee.  The condition was not corrected and would require a PCCD showing changes.

(No Data)

(No Data)

Hybrid

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $271,635.15 in total assets documented.  Effective amount is $227,995.02, with liquid assets of $162,534.83.  Post close reserves are $102,833.24.  Reserves required $3,724.68 x 12 months = $44,696.16 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 804 for the primary wage earner exceed g/l minimum required of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 37% is below g/l max of 43%

0486628782

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA4817

Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)

No

The PDI, in file, dated 11.20.18 evidencing "no damage" was completed after the declaration date of 11.12.18 but before the effective date of 11.25.18.  FEMA Disaster - Wildfires Decl #4407.  Clayton will order updated Property Inspection Report.

12.31.18 - Property Damage Inspection received and no property damage.

12.31.18 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $271,635.15 in total assets documented.  Effective amount is $227,995.02, with liquid assets of $162,534.83.  Post close reserves are $102,833.24.  Reserves required $3,724.68 x 12 months = $44,696.16 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Rep FICO of 804 for the primary wage earner exceed g/l minimum required of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI of 37% is below g/l max of 43%

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	04/2017 - 03/2019
Deal Loan Count:	873
Conditions Report 2.0
Loans in Report:	873
Loans with Conditions:	544

Alt Loan Number

TRID Indicator

Lender Application Date

Broker Application Date

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

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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A

A

A

0732204404

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

0657085758

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0792928078

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0295532969

Yes

XXXXXX

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D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

0007413712

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0346099064

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0486628782

Yes

XXXXXX

XXXXXX

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

EX-99.6

Exhibit 99.6

Client Name:	Wells Fargo Home Mortgage, Inc.
Client Project Name:	WFMBS 2019-2
Start - End Dates:	04/2017 - 03/2019
Deal Loan Count:	873
Waived Conditions Summary

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