0001144204-19-042981.txt : 20190830 0001144204-19-042981.hdr.sgml : 20190830 20190830125957 ACCESSION NUMBER: 0001144204-19-042981 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 11 CONFORMED PERIOD OF REPORT: 20190830 ITEM INFORMATION: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer FILED AS OF DATE: 20190830 DATE AS OF CHANGE: 20190830 ABS RULE: RULE-15GA2 REGISTERED ENTITY: N ABS ASSET CLASS: Residential mortgages - Prime Wells Fargo Mortgage Backed Securities 2019-3 Trust FILER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 FILM NUMBER: 191068874 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 DEPOSITOR: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 SECURITIZER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FARGO ASSET SECURITIES CORP CENTRAL INDEX KEY: 0001011663 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 521972128 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-00453 BUSINESS ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 BUSINESS PHONE: 3018468881 MAIL ADDRESS: STREET 1: 8480 STAGECOACH CIRCLE CITY: FREDERICK STATE: MD ZIP: 21701 FORMER COMPANY: FORMER CONFORMED NAME: NORWEST ASSET SECURITIES CORP DATE OF NAME CHANGE: 19960717 ABS-15G 1 tv525075_abs15g.htm 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 2019-3 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: August 30, 2019  /s/ Peter R. Diliberti
  Name: Peter R. Diliberti
  Title: President (senior officer in charge of securitization)

 

 

 

 EX-99.1 2 tv525075_ex99-1.htm EXHIBIT 99.1

 

Exhibit 99.1

 

 

 

 

 

WFMBS 2019-3

 

 

June 20, 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

 

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Clayton Contact Information

 

Client Service Management:

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

 

 Overview

 

On behalf of Wells Fargo Home Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the Wells Fargo securitization (WFMBS 2019-3). The loans referenced in this narrative report were reviewed from 08-2018 to 05-2019 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
Broker 0 0.00%
Correspondent Flow without delegated underwriting 97 12.23%
Correspondent Flow with delegated underwriting 167 21.06%
Retail 529 66.71%
Total 793 100.00%

 

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

 

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

 

 

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

 

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Sampling

 

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

 

Review Type Loan Counts 

Review Type

Loan Count

Reviewed by Clayton

Scope Applied
Full Review 793 Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population 793  

  

Sponsor Acquisition Criteria

  

The loans were originated to Guidelines and Clayton reviewed the loans to the, 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.

 

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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 2nd full origination appraisal was used to reconcile the original appraisal within a 10% variance. If a loan fell outside of a 10% variance then a Field Review was ordered to reconcile within a 10% variance.

 

–793 loans had Desktop Reviews
–27 loans required a Field Review

 

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

 

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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;
oThe 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. 

 

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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.

 

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Data Compare Results

 

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

 

Summary of data compare results:

 

Field Name # of loans Accuracy %
Borrower 1 First Time Home Buyer 13 98.36%
Borrower 1 Self Employed Flag 22 97.23%
Cash Reserves 35 0%
Combined LTV 17 97.86%
Debt to Income Ratio (Back) 52 93.44%
First Payment Date 1 99.87%
Maturity Date 1 99.87%
Original Appraised Value 25 96.85%
Original LTV 9 98.87%
Origination Channel 2 99.75%
Product Type 1 99.87%
Property Type 2 99.75%
Representative Credit Score for Grading 13 98.36%
Sales Price 8 98.99%
Securitization Total Cash Out 27 96.60%

 

*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 311 1 24 112 448
B   183 70 89 342
C     3   3
D         0
Total 311 184 97 201 793

 

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*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 571 32 14 58 675
B   95 12 11 118
C         0
D         0
Total 571 127 26 69 793

 

Initial and Final Property Valuation Grade Results

 

  Property Valuation Grade Migration
  Initial
Final   A B C D Total
A 667   24 95 786
B   3   2 5
C     2   2
D         0
Total 667 3 26 97 793

 

Initial and Final Regulatory Compliance Grade Results

 

  Compliance Grade Migration
  Initial
Final   A B C D Total
A 448 1 15 54 518
B   171 62 41 274
C     1   1
D         0
Total 448 172 78 95 793

 

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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

 

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Appendix A: Credit Review Scope

 

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

 

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

oDTI

oLTV/TLTV/HLTV

oCredit score

oIncome and employment

oAssets and reserves

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

oBorrower eligibility, including:

–Citizenship status

–Non- occupant co-borrower

oTransaction eligibility, including:

–Maximum loan amount

–Loan purpose

–Occupancy

oNoted 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:

oUniform 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

oEmployment 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

oIncome review included:

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

–Documents did not appear to have been altered or inconsistent

–IRS Form 4506-T

§Signed by all borrowers and processed by the originator

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

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

§Tax returns

§Financial statements

§Paystubs

 

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§W-2s

§1099

§IRS documents

§Bank statements

§Lease agreements

§Award letters

§Other documentation in loan file

oAsset 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

oCredit 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

oTitle 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

oHUD1 (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

oHazard/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

oMortgage 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:

oBorrower identity

–Social Security inconsistencies

–Borrower name variations

oOccupancy

–Borrower address history

–Subject property ownership history

oEmployment

oLicensing - reviewed NMLS data for:

–Mortgage lender/originator

–Loan officer

oOFAC

 

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Appendix B: Origination Appraisal Assessment

 

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

 

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

 

oAppraisal 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

 

oAppraisal 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:

 

oTitle 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.

 

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

 

oUSPAP
-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:

 

oAppraised 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.
oProperty 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
oAppraisal 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:
o3 to 4 unit owner occupied properties
o2 to 4 unit second homes
oUnwarrantable or limited review condominiums
oManufactured or mobile homes
oCondotel units
oUnique properties
oWorking farms, ranches or orchards
oMixed-use properties
oProperties subject to existing oil or gas leases
oProperties located in Hawaii Lava Zones 1 and 2
oProperties exceeding Sponsor Acquisition Criteria requirements for excess acreage

 

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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.

oIf 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
oThe 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.
oClayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness
oClayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property
oClayton 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.
oClayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

 

G.Desk Review definitions

oClear 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. 

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

 

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Appendix C: Regulatory Compliance Review Scope

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

 

Federal Law

 

A.RESPA and Regulation X: Loan level analysis on the following, on loans where applicable.
oAffiliated 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
 oHomeownership 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.
oTIL 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.
oMortgage 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)
oARM 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
oRight of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)
oHigh Cost mortgage thresholds for points and fees (Section 32)
oHigh Cost Prohibited Acts and Practices upon request (Section 33)
oHigher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)
oProhibited 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)
oATR/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)
oTILA/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”).

 

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§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  

 

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B.State/Local High Cost

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

 

State/Local High Cost
Arkansas Maine Pennsylvania
California Maryland Rhode Island, including the Providence ordinance
Colorado Massachusetts South Carolina
Connecticut Nevada Tennessee
District of Columbia New Jersey Texas
Florida New Mexico Utah
Georgia New York

Vermont

(High Rate, High Point law)

Illinois, including the Cook County and Chicago ordinances North Carolina Wisconsin
Indiana

Ohio, including

Cleveland Heights ordinance

  
Kentucky Oklahoma  

 

C.Anti-Predatory

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

·Minnesota (Mortgage Originator and Service Licensing Act)
·Puerto Rico (Office Regulation 5722)
·Texas (Texas Finance Code)
·West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

 

D.Borrower’s Interest

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

 

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Borrower’s Interest
Maine Ohio South Carolina
Massachusetts Rhode Island  

 

E.Consumer Protection

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

 

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

 

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

 

F.Texas Equity

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

 

GSE Testing

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

 

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Disclaimer

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

 

© 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

 

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 EX-99.2 3 tv525075_ex99-2.htm EXHIBIT 99.2

 

Exhibit 99.2

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Loan Level Tape Compare Upload
 
Loans in Report 793

 

Alt Loan Number Borrower
Last Name		 Field Name Tape Data Reviewer Data
0708188207 XXXXXX Cash Reserves 318760.61 320439.19
0738784441 XXXXXX Cash Reserves 655007.78 685640.75
0235973377 XXXXXX Cash Reserves 154749.52 318119.55
0232029963 XXXXXX Cash Reserves 386666.26 391779.01
0232029963 XXXXXX Sales Price XXXXXX XXXXXX
0552502162 XXXXXX Cash Reserves 626050.51 676667.25
0271795796 XXXXXX Cash Reserves 62043.91 66570.41
0180567777 XXXXXX Cash Reserves 268554.17 435059.92
0229712972 XXXXXX Cash Reserves 163590.73 169186.95
0229712972 XXXXXX Debt to Income Ratio (Back) 28.1300 25.3869
0389010011 XXXXXX Cash Reserves 132525.86 138103.24
0389010011 XXXXXX Original Appraised Value XXXXXX XXXXXX
0389010011 XXXXXX Original LTV 61.26 52.35
0745889173 XXXXXX Cash Reserves 136872.49 162741.73
0330157710 XXXXXX Cash Reserves 84911.35 98133.27
0330157710 XXXXXX Debt to Income Ratio (Back) 39.0200 41.86
0594164725 XXXXXX Cash Reserves 488744.50 477438.47
0586525853 XXXXXX Cash Reserves 448123.82 447542.58
0619588126 XXXXXX Cash Reserves 439076.74 528949.83
0861686630 XXXXXX Cash Reserves 181313.48 64107.87
0573652782 XXXXXX Cash Reserves 178165.19 179685.62
0950521682 XXXXXX Cash Reserves 1064406.88 1091653.63
0946655399 XXXXXX Cash Reserves 366257.36 366761.79
0065389023 XXXXXX Cash Reserves 250270.69 239669.83
0907185537 XXXXXX Cash Reserves 272683.67 273609.62
0852634269 XXXXXX Cash Reserves 366014.17 366803.05
0689720096 XXXXXX Cash Reserves 82922.38 118655.33
0406023367 XXXXXX Cash Reserves 674065.24 421582.50
0134921739 XXXXXX Cash Reserves 1266744.29 1288158.82
0444220300 XXXXXX Cash Reserves 49315.12 50345.11
0224799541 XXXXXX Cash Reserves 115432.68 272949.35
0840634307 XXXXXX Cash Reserves 350199.30 230646.65
0375693211 XXXXXX Cash Reserves 54986.92 39587.12
0044990745 XXXXXX Cash Reserves 203791.35 207879.28
0870346468 XXXXXX Cash Reserves 363631.45 344789.89
0787218183 XXXXXX Cash Reserves 318754.32 321166.32
0582352557 XXXXXX Cash Reserves 145550.12 120671.34
0361443612 XXXXXX Cash Reserves 159738.52 154359.92
0164699545 XXXXXX Cash Reserves 202796.37 154417.46
0640994163 XXXXXX Cash Reserves 300360.90 367421.77
0464824834 XXXXXX Debt to Income Ratio (Back) 37.5500 35.1557
0846651805 XXXXXX Debt to Income Ratio (Back) 37.4200 34.4381
0076406386 XXXXXX Combined LTV 44.73 41.66
0421141860 XXXXXX Securitization Total Cash Out 482621.85 532621.85
0239540361 XXXXXX Original Appraised Value XXXXXX XXXXXX
0390458143 XXXXXX Debt to Income Ratio (Back) 36.1300 40.0974
0232086073 XXXXXX Representative Credit Score for Grading 812 731
0005850806 XXXXXX Debt to Income Ratio (Back) 35.1800 37.3990
0894831028 XXXXXX Securitization Total Cash Out 451630.34 451418.42
0813549726 XXXXXX Combined LTV 74.52 73.11
0813549726 XXXXXX Original LTV 74.52 73.11
0813549726 XXXXXX Sales Price XXXXXX XXXXXX
0912592325 XXXXXX First Payment Date XXXXXX XXXXXX
0912592325 XXXXXX Maturity Date XXXXXX XXXXXX
0769959760 XXXXXX Original Appraised Value XXXXXX XXXXXX
0029195744 XXXXXX Debt to Income Ratio (Back) 34.6000 36.9661
0104071172 XXXXXX Borrower 1 Self Employed Flag No Yes
0104071172 XXXXXX Securitization Total Cash Out 103979.98 706793.81
0088048598 XXXXXX Securitization Total Cash Out 451180.88 451126.56
0867868569 XXXXXX Combined LTV 71.26 59.84
0286343613 XXXXXX Original Appraised Value XXXXXX XXXXXX
0906205446 XXXXXX Securitization Total Cash Out 78818.59 76460.33
0359666760 XXXXXX Original Appraised Value XXXXXX XXXXXX
0217796035 XXXXXX Debt to Income Ratio (Back) 37.9600 42.7516
0695756240 XXXXXX Borrower 1 Self Employed Flag No Yes
0098175651 XXXXXX Debt to Income Ratio (Back) 32.3300 34.5210
0480291837 XXXXXX Borrower 1 Self Employed Flag No Yes
0480291837 XXXXXX Debt to Income Ratio (Back) 39.7800 42.5580
0203292141 XXXXXX Original Appraised Value XXXXXX XXXXXX
0439060239 XXXXXX Debt to Income Ratio (Back) 40.2300 37.8495
0439060239 XXXXXX Original Appraised Value XXXXXX XXXXXX
0794486022 XXXXXX Securitization Total Cash Out 478666.35 225806.16
0429966453 XXXXXX Securitization Total Cash Out 123015.18 22182.97
0230628449 XXXXXX Original Appraised Value XXXXXX XXXXXX
0139729047 XXXXXX Original Appraised Value XXXXXX XXXXXX
0581995025 XXXXXX Securitization Total Cash Out 82724.37 82582.55
0051024548 XXXXXX Debt to Income Ratio (Back) 24.3600 35.8600
0121847085 XXXXXX Securitization Total Cash Out 48195.53 32229.17
0905149206 XXXXXX Original Appraised Value XXXXXX XXXXXX
0133218215 XXXXXX Borrower 1 Self Employed Flag No Yes
0762256831 XXXXXX Sales Price XXXXXX XXXXXX
0622069618 XXXXXX Borrower 1 Self Employed Flag No Yes
0047967891 XXXXXX Borrower 1 First Time Home Buyer Yes No
0746346989 XXXXXX Securitization Total Cash Out 57306.96 18512.74
0179973642 XXXXXX Securitization Total Cash Out 23791.13 23582.63
0179910228 XXXXXX Debt to Income Ratio (Back) 21.4300 25.1620
0645889588 XXXXXX Securitization Total Cash Out 297159.21 297115.93
0896275740 XXXXXX Borrower 1 Self Employed Flag No Yes
0619473237 XXXXXX Borrower 1 Self Employed Flag Yes No
0793171952 XXXXXX Securitization Total Cash Out 297095.16 296797.72
0051386168 XXXXXX Combined LTV 61.20 67.51
0051386168 XXXXXX Original Appraised Value XXXXXX XXXXXX
0051386168 XXXXXX Original LTV 61.20 67.51
0506754001 XXXXXX Debt to Income Ratio (Back) 36.4600 31.1274
0066132760 XXXXXX Borrower 1 First Time Home Buyer Yes No
0865508308 XXXXXX Debt to Income Ratio (Back) 28.4400 38.2069
0996175619 XXXXXX Debt to Income Ratio (Back) 40.1400 42.7182
0777778629 XXXXXX Debt to Income Ratio (Back) 33.9300 29.8682
0488277621 XXXXXX Debt to Income Ratio (Back) 34.7000 41.0582
0385407201 XXXXXX Combined LTV 46.58 45.02
0569708609 XXXXXX Securitization Total Cash Out 263205.97 263083.71
0920389467 XXXXXX Securitization Total Cash Out 143609.05 135168.53
0748623016 XXXXXX Original Appraised Value XXXXXX XXXXXX
0697573062 XXXXXX Original Appraised Value XXXXXX XXXXXX
0197442640 XXXXXX Sales Price XXXXXX XXXXXX
0039654761 XXXXXX Borrower 1 Self Employed Flag No Yes
0570628118 XXXXXX Borrower 1 First Time Home Buyer No Yes
0005210889 XXXXXX Borrower 1 First Time Home Buyer Yes No
0340862254 XXXXXX Securitization Total Cash Out 147201.03 147256.51
0920839739 XXXXXX Property Type SFR Townhouse
0260264882 XXXXXX Debt to Income Ratio (Back) 39.3700 27.6700
0384273331 XXXXXX Debt to Income Ratio (Back) 32.8900 30.8468
0935785547 XXXXXX Debt to Income Ratio (Back) 31.7100 28.3681
0883856683 XXXXXX Sales Price XXXXXX XXXXXX
0068517385 XXXXXX Borrower 1 Self Employed Flag No Yes
0068517385 XXXXXX Securitization Total Cash Out 706387.78 706285.04
0285283628 XXXXXX Combined LTV 60.40 56.28
0839671251 XXXXXX Sales Price XXXXXX XXXXXX
0071669503 XXXXXX Combined LTV 41.81 22.58
0376728992 XXXXXX Borrower 1 Self Employed Flag No Yes
0840173134 XXXXXX Securitization Total Cash Out 493923.27 493870.19
0419536250 XXXXXX Combined LTV 78.62 79.92
0419536250 XXXXXX Original LTV 78.62 79.92
0650007285 XXXXXX Securitization Total Cash Out 34021.69 29752.27
0636904721 XXXXXX Original Appraised Value XXXXXX XXXXXX
0601746587 XXXXXX Borrower 1 First Time Home Buyer No Yes
0256465773 XXXXXX Borrower 1 First Time Home Buyer Yes No
0914225725 XXXXXX Original Appraised Value XXXXXX XXXXXX
0143070975 XXXXXX Borrower 1 First Time Home Buyer Yes No
0143070975 XXXXXX Combined LTV 52.23 50.00
0143070975 XXXXXX Original LTV 52.23 50.00
0143070975 XXXXXX Sales Price XXXXXX XXXXXX
0340526781 XXXXXX Securitization Total Cash Out 442828.71 437377.66
0590024883 XXXXXX Securitization Total Cash Out 239637.29 99728.09
0910797370 XXXXXX Securitization Total Cash Out 74893.72 0.00
0278733691 XXXXXX Securitization Total Cash Out 225374.63 225316.99
0708002748 XXXXXX Original Appraised Value XXXXXX XXXXXX
0398548858 XXXXXX Original Appraised Value XXXXXX XXXXXX
0141634306 XXXXXX Combined LTV 34.98 22.48
0141634306 XXXXXX Debt to Income Ratio (Back) 40.3100 36.9649
0410730844 XXXXXX Combined LTV 59.26 37.04
0230035571 XXXXXX Original Appraised Value XXXXXX XXXXXX
0900606196 XXXXXX Combined LTV 60.00 56.89
0900606196 XXXXXX Securitization Total Cash Out 126362.85 126283.95
0743484626 XXXXXX Securitization Total Cash Out 14805.12 14694.50
0348772270 XXXXXX Original Appraised Value XXXXXX XXXXXX
0313381592 XXXXXX Borrower 1 Self Employed Flag Yes No
0798719537 XXXXXX Securitization Total Cash Out 258465.38 264516.76
0824884477 XXXXXX Sales Price XXXXXX XXXXXX
0679763372 XXXXXX Original Appraised Value XXXXXX XXXXXX
0199154431 XXXXXX Borrower 1 First Time Home Buyer Yes No
0795370800 XXXXXX Securitization Total Cash Out 99717.26 108755.22
0807967329 XXXXXX Borrower 1 Self Employed Flag Yes No
0412380057 XXXXXX Debt to Income Ratio (Back) 33.6600 31.5946
0278301494 XXXXXX Combined LTV 80.00 81.19
0278301494 XXXXXX Original LTV 80.00 81.19
0114465314 XXXXXX Origination Channel Correspondent Flow without delegated underwriting Broker
0248106437 XXXXXX Representative Credit Score for Grading 797 783
0768092521 XXXXXX Representative Credit Score for Grading 801 808
0589223755 XXXXXX Debt to Income Ratio (Back) 38.8400 36.5082
0503370540 XXXXXX Debt to Income Ratio (Back) 42.0600 37.4969
0101851230 XXXXXX Representative Credit Score for Grading 799 795
0533468498 XXXXXX Combined LTV 79.69 85.01
0533468498 XXXXXX Original LTV 79.69 85.01
0900035881 XXXXXX Borrower 1 First Time Home Buyer Yes No
0668944314 XXXXXX Combined LTV 52.42 51.13
0206051973 XXXXXX Borrower 1 Self Employed Flag No Yes
0222425484 XXXXXX Debt to Income Ratio (Back) 37.7000 32.3154
0211178485 XXXXXX Borrower 1 Self Employed Flag Yes No
0211178485 XXXXXX Debt to Income Ratio (Back) 67.7400 35.8310
0724895937 XXXXXX Borrower 1 First Time Home Buyer No Yes
0822457344 XXXXXX Debt to Income Ratio (Back) 41.8600 39.6342
0885656787 XXXXXX Property Type SFR Detached PUD
0647879695 XXXXXX Debt to Income Ratio (Back) 32.7900 35.3366
0594116883 XXXXXX Combined LTV 62.94 79.97
0594116883 XXXXXX Original LTV 62.94 79.97
0752405921 XXXXXX Debt to Income Ratio (Back) 83.6000 40.8624
0588653786 XXXXXX Combined LTV 73.71 70.00
0588653786 XXXXXX Original Appraised Value XXXXXX XXXXXX
0588653786 XXXXXX Original LTV 73.71 70.00
0309119962 XXXXXX Borrower 1 First Time Home Buyer No Yes
0417397012 XXXXXX Representative Credit Score for Grading 752 770
0671385199 XXXXXX Debt to Income Ratio (Back) 44.7700 42.4130
0784126012 XXXXXX Debt to Income Ratio (Back) 42.3500 37.7168
0784126012 XXXXXX Representative Credit Score for Grading 767 738
0253339904 XXXXXX Debt to Income Ratio (Back) 33.6300 36.0145
0429686224 XXXXXX Borrower 1 Self Employed Flag No Yes
0556111403 XXXXXX Debt to Income Ratio (Back) 37.3400 40.6471
0556111403 XXXXXX Representative Credit Score for Grading 735 728
0399517656 XXXXXX Debt to Income Ratio (Back) 41.3900 38.5860
0122113827 XXXXXX Debt to Income Ratio (Back) 39.6800 36.5874
0771987602 XXXXXX Debt to Income Ratio (Back) 29.9900 27.4550
0204508169 XXXXXX Debt to Income Ratio (Back) 22.3900 20.1402
0720421524 XXXXXX Borrower 1 First Time Home Buyer Yes No
0266039303 XXXXXX Representative Credit Score for Grading 802 791
0219682507 XXXXXX Original Appraised Value XXXXXX XXXXXX
0298464240 XXXXXX Borrower 1 First Time Home Buyer Yes No
0815066401 XXXXXX Borrower 1 Self Employed Flag Yes No
0431808325 XXXXXX Debt to Income Ratio (Back) 72.8300 37.9400
0678493117 XXXXXX Debt to Income Ratio (Back) 39.5000 42.8282
0678493117 XXXXXX Original Appraised Value XXXXXX XXXXXX
0104532570 XXXXXX Representative Credit Score for Grading 807 794
0142951750 XXXXXX Debt to Income Ratio (Back) 26.1000 40.8024
0605264663 XXXXXX Borrower 1 Self Employed Flag Yes No
0156597749 XXXXXX Debt to Income Ratio (Back) 21.6500 11.0722
0156597749 XXXXXX Representative Credit Score for Grading 762 783
0309431254 XXXXXX Debt to Income Ratio (Back) 26.0700 21.8952
0115705178 XXXXXX Debt to Income Ratio (Back) 32.4900 30.3281
0074521310 XXXXXX Borrower 1 Self Employed Flag Yes No
0802248573 XXXXXX Representative Credit Score for Grading 763 774
0955864978 XXXXXX Borrower 1 Self Employed Flag Yes No
0159957556 XXXXXX Debt to Income Ratio (Back) 23.8500 20.9220
0059240622 XXXXXX Representative Credit Score for Grading 781 799
0520082748 XXXXXX Debt to Income Ratio (Back) 35.4200 31.8283
0346194334 XXXXXX Original Appraised Value XXXXXX XXXXXX
0346194334 XXXXXX Product Type 30 Yr Fixed 25 Yr Fixed
0603177742 XXXXXX Debt to Income Ratio (Back) 40.6200 36.1788
0808463880 XXXXXX Debt to Income Ratio (Back) 27.7300 25.5775
0163751250 XXXXXX Borrower 1 Self Employed Flag No Yes
0085342062 XXXXXX Debt to Income Ratio (Back) 29.8200 26.8266
0327517900 XXXXXX Debt to Income Ratio (Back) 33.8100 37.6097
0018814869 XXXXXX Borrower 1 Self Employed Flag No Yes
0328117311 XXXXXX Debt to Income Ratio (Back) 34.7600 30.1569
0824518166 XXXXXX Borrower 1 Self Employed Flag No Yes
0124813168 XXXXXX Representative Credit Score for Grading 785 786
0379842398 XXXXXX Original Appraised Value XXXXXX XXXXXX
0139052380 XXXXXX Debt to Income Ratio (Back) 37.7400 28.1946
0139052380 XXXXXX Origination Channel Correspondent Flow without delegated underwriting Broker

 

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 EX-99.3 4 tv525075_ex99-3.htm EXHIBIT 99.3

 

Exhibit 99.3

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Rating Agency ATR QM Data Fields
   
Loans in Report: 793

 

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
0708188207 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1532 Employed Employed U.S. Citizen U.S. Citizen No 0
0738784441 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 525 XXXXXX 4.248 Employed Employed U.S. Citizen U.S. Citizen No 0
0235973377 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 80 XXXXXX 4.2506 Employed Employed U.S. Citizen U.S. Citizen No 0
0232029963 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 4640 XXXXXX 4.4487 Employed (No Data) U.S. Citizen (No Data) No 0
0552502162 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 578 XXXXXX 3.7499 Employed Employed U.S. Citizen U.S. Citizen No 0
0271795796 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.5076 Employed Employed U.S. Citizen U.S. Citizen No 0
0180567777 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 7278.68 XXXXXX 3.919 Employed Unemployed Permanent Resident Alien U.S. Citizen No 0
0229712972 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 5225.14 XXXXXX 4.0783 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0389010011 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 12603.34 XXXXXX 4.4351 Retired Employed U.S. Citizen U.S. Citizen No 0
0745889173 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 7508.46 XXXXXX 4.3552 Employed Employed U.S. Citizen U.S. Citizen No 0
0330157710 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2305.94 XXXXXX 4.2953 Employed Employed U.S. Citizen U.S. Citizen No 0
0594164725 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1075 XXXXXX 3.9079 Retired Retired U.S. Citizen U.S. Citizen No 0
0586525853 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2225 XXXXXX 4.0406 Employed (No Data) U.S. Citizen (No Data) No 0
0619588126 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1225 XXXXXX 3.7772 Employed (No Data) U.S. Citizen (No Data) No 0
0861686630 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2497 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0573652782 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1674 XXXXXX 4.1532 Employed Employed U.S. Citizen U.S. Citizen No 0
0950521682 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.6248 Employed Employed U.S. Citizen U.S. Citizen No 0
0946655399 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1813.01 XXXXXX 3.9061 Employed Employed U.S. Citizen U.S. Citizen No 0
0065389023 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1440.43 XXXXXX 3.8832 Employed Employed Permanent Resident Alien Permanent Resident Alien No 0
0907185537 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8688 Employed (No Data) Non-Permanent Resident Alien (No Data) No 0
0852634269 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0127 Employed Employed U.S. Citizen U.S. Citizen No 0
0689720096 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2560.25 XXXXXX 4.5257 Employed Employed U.S. Citizen U.S. Citizen No 0
0406023367 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1905 XXXXXX 3.7707 Employed Employed U.S. Citizen U.S. Citizen No 0
0134921739 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.7686 Employed Retired U.S. Citizen U.S. Citizen No 0
0444220300 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1875 XXXXXX 4.3123 Retired Retired U.S. Citizen U.S. Citizen No 0
0224799541 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 87.5 XXXXXX 3.6365 Employed Employed U.S. Citizen U.S. Citizen No 0
0840634307 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1405 XXXXXX 4.2779 Employed Employed U.S. Citizen U.S. Citizen No 0
0375693211 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 3064.62 XXXXXX 4.0752 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0044990745 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 5345 XXXXXX 3.9459 Employed Employed U.S. Citizen U.S. Citizen No 0
0870346468 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 830 XXXXXX 4.4746 Employed (No Data) U.S. Citizen (No Data) No 0
0787218183 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 3321.14 XXXXXX 3.9374 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0582352557 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0058 Employed Employed U.S. Citizen U.S. Citizen No 0
0361443612 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 130 XXXXXX 3.9994 Employed Employed U.S. Citizen U.S. Citizen No 0
0164699545 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8812 Employed Employed U.S. Citizen U.S. Citizen No 0
0640994163 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.7432 Employed Employed U.S. Citizen U.S. Citizen No 0
0230319358 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 6215.13 XXXXXX 4.12 Employed (No Data) U.S. Citizen (No Data) No 0
0464824834 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2527 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0610946019 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1025 XXXXXX 4.1655 Employed Employed Permanent Resident Alien Permanent Resident Alien No 0
0899832955 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.9971 Employed Employed U.S. Citizen U.S. Citizen No 0
0291742452 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2650 XXXXXX 3.6597 Employed Employed U.S. Citizen U.S. Citizen No 0
0519069116 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 4.3977 Employed Employed U.S. Citizen U.S. Citizen No 0
0363939962 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 336 XXXXXX 4.268 Employed Employed U.S. Citizen U.S. Citizen No 0
0171626946 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0202 Employed Employed U.S. Citizen U.S. Citizen No 0
0046907885 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2808.18 XXXXXX 4.3167 Employed Employed U.S. Citizen U.S. Citizen No 0
0599822663 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1247 Employed Employed U.S. Citizen U.S. Citizen No 0
0606796781 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8733 Employed Employed U.S. Citizen U.S. Citizen No 0
0798682061 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 555 XXXXXX 3.7804 Employed (No Data) U.S. Citizen (No Data) No 0
0846651805 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1680 XXXXXX 4.277 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0076406386 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.3664 Employed Employed Permanent Resident Alien Permanent Resident Alien No 0
0775783532 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0013 Employed Employed U.S. Citizen Permanent Resident Alien No 0
0421141860 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2379 Employed Employed U.S. Citizen U.S. Citizen No 0
0146178623 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0105 Employed Employed U.S. Citizen U.S. Citizen No 0
0971600955 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 659.99 XXXXXX 4.2225 Employed (No Data) U.S. Citizen (No Data) No 0
0331054097 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 3.9012 Employed (No Data) U.S. Citizen (No Data) No 0
0644571768 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1352.4 XXXXXX 4.0303 Employed Employed Non-Permanent Resident Alien Non-Permanent Resident Alien No 0
0606229791 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 995 XXXXXX 3.8944 Employed Employed U.S. Citizen U.S. Citizen No 0
0168013447 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 3727.5 XXXXXX 4.175 Employed Employed U.S. Citizen U.S. Citizen No 0
0751886612 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.9997 Employed Employed U.S. Citizen U.S. Citizen No 0
0777991374 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.7652 Employed Employed U.S. Citizen U.S. Citizen No 0
0261815906 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 495 XXXXXX 4.5192 Employed (No Data) U.S. Citizen (No Data) No 0
0595102221 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 680 XXXXXX 4.0168 Employed (No Data) U.S. Citizen (No Data) No 0
0239540361 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1247 Employed Employed U.S. Citizen U.S. Citizen No 0
0390458143 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1245.43 XXXXXX 4.0308 Employed Employed U.S. Citizen U.S. Citizen No 0
0447579230 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.875 Employed (No Data) U.S. Citizen (No Data) No 0
0437467285 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1247 Employed (No Data) Permanent Resident Alien (No Data) No 0
0478239584 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1305 XXXXXX 4.3955 Employed (No Data) U.S. Citizen (No Data) No 0
0919801031 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1499 Employed (No Data) U.S. Citizen (No Data) No 0
0232086073 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1305 XXXXXX 4.5133 Employed Retired U.S. Citizen U.S. Citizen No 0
0334451439 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.4999 Employed (No Data) U.S. Citizen (No Data) No 0
0741584816 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1038 XXXXXX 4.1406 Employed (No Data) U.S. Citizen (No Data) No 0
0005850806 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2405 XXXXXX 4.2819 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0194947190 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1025 XXXXXX 3.8901 Employed Employed U.S. Citizen U.S. Citizen No 0
0355338901 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2618.75 XXXXXX 4.5408 Employed (No Data) U.S. Citizen (No Data) No 0
0597103737 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1249 Employed (No Data) U.S. Citizen (No Data) No 0
0894831028 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 861.25 XXXXXX 4.2742 Employed (No Data) U.S. Citizen (No Data) No 0
0106586806 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1230 XXXXXX 3.8972 Employed Employed U.S. Citizen U.S. Citizen No 0
0244266484 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.7499 Employed Employed U.S. Citizen U.S. Citizen No 0
0813549726 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.123 Employed Employed U.S. Citizen U.S. Citizen No 0
0103376199 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8749 Employed (No Data) U.S. Citizen (No Data) No 0
0187585454 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 430 XXXXXX 3.9137 Employed Employed U.S. Citizen U.S. Citizen No 0
0318019788 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1025 XXXXXX 4.0288 Employed Employed U.S. Citizen Permanent Resident Alien No 0
0230475205 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 3.9249 Employed (No Data) U.S. Citizen (No Data) No 0
0944927983 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 823.75 XXXXXX 4.0208 Employed (No Data) U.S. Citizen (No Data) No 0
0679234559 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.9999 Employed Employed U.S. Citizen U.S. Citizen No 0
0660578274 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.125 Employed Employed U.S. Citizen U.S. Citizen No 0
0324689931 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1025 XXXXXX 4.0207 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0819039502 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 5211.25 XXXXXX 4.2266 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0641985272 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1025 XXXXXX 3.8928 Employed Employed U.S. Citizen Permanent Resident Alien No 0
0912592325 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.4985 Employed (No Data) U.S. Citizen (No Data) No 0
0736929840 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 4.1756 Employed (No Data) U.S. Citizen (No Data) No 0
0769639202 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.9999 Employed Employed U.S. Citizen U.S. Citizen No 0
0791201262 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 607 XXXXXX 4.1677 Employed (No Data) U.S. Citizen (No Data) No 0
0860172277 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 4.1367 Employed Employed U.S. Citizen U.S. Citizen No 0
0197319943 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1905 XXXXXX 3.6351 Employed (No Data) U.S. Citizen (No Data) No 0
0800500919 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 983.7 XXXXXX 4.5438 Employed Employed U.S. Citizen U.S. Citizen No 0
0069534804 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0124 Employed (No Data) U.S. Citizen (No Data) No 0
0082874424 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 884.18 XXXXXX 4.0302 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0769959760 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 861.25 XXXXXX 4.2777 Employed (No Data) U.S. Citizen (No Data) No 0
0198586830 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8757 Employed Employed U.S. Citizen U.S. Citizen No 0
0029195744 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 9337.87 XXXXXX 3.7089 Employed Employed U.S. Citizen U.S. Citizen No 0
0104071172 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 4.3876 Employed Employed U.S. Citizen U.S. Citizen No 0
0771827525 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1251 Employed (No Data) Permanent Resident Alien (No Data) No 0
0856521418 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.3627 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0697624312 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.5005 Employed (No Data) U.S. Citizen (No Data) No 0
0409265771 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.9939 Employed Employed U.S. Citizen U.S. Citizen No 0
0380589001 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.625 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0080798826 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 3895 XXXXXX 3.9519 Employed Employed U.S. Citizen U.S. Citizen No 0
0443812837 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8747 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0338774292 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.25 Employed (No Data) U.S. Citizen (No Data) No 0
0088048598 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.36 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0700393663 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0177 Employed Employed U.S. Citizen U.S. Citizen No 0
0867868569 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 130 XXXXXX 4.0112 Employed Retired U.S. Citizen U.S. Citizen No 0
0050666584 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 805 XXXXXX 4.1526 Employed Unemployed U.S. Citizen (No Data) No 0
0749155980 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2195 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0932091997 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.3749 Employed Employed U.S. Citizen U.S. Citizen No 0
0051020979 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.248 Employed (No Data) U.S. Citizen (No Data) No 0
0631174749 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 7305 XXXXXX 4.102 Employed Employed U.S. Citizen U.S. Citizen No 0
0536548176 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 929 XXXXXX 3.8919 Employed Employed U.S. Citizen U.S. Citizen No 0
0636090091 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.9999 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0651593161 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1301 Employed (No Data) U.S. Citizen (No Data) No 0
0220837542 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2511 Employed Employed U.S. Citizen U.S. Citizen No 0
0171656436 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1255 XXXXXX 3.7828 Unemployed Employed U.S. Citizen U.S. Citizen No 0
0286343613 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1205 XXXXXX 4.1417 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0906205446 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 219 XXXXXX 4.1445 Retired Retired U.S. Citizen U.S. Citizen No 0
0359666760 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 355 XXXXXX 4.1332 Employed Employed U.S. Citizen U.S. Citizen No 0
0721432570 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.0051 Employed Employed U.S. Citizen U.S. Citizen No 0
0959857837 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8767 Employed Employed U.S. Citizen U.S. Citizen No 0
0367441908 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8513 Employed Employed U.S. Citizen U.S. Citizen No 0
0229049826 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2234 Employed Employed U.S. Citizen U.S. Citizen No 0
0217796035 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2480 XXXXXX 4.0456 Employed (No Data) U.S. Citizen (No Data) No 0
0400513762 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.1286 Employed Employed U.S. Citizen U.S. Citizen No 0
0675784632 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 3.8574 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0695756240 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1205 XXXXXX 4.1446 Employed Employed U.S. Citizen U.S. Citizen No 0
0552271591 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1430 XXXXXX 3.902 Unemployed Employed U.S. Citizen U.S. Citizen No 0
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0904018293 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1420 XXXXXX 4.3885 Employed Unemployed U.S. Citizen U.S. Citizen No 0
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0607965823 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2372.25 XXXXXX 4.1686 Employed Employed U.S. Citizen U.S. Citizen No 0
0133040394 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1206.95 XXXXXX 4.281 Employed Unemployed U.S. Citizen Permanent Resident Alien No 0
0365045071 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1285 XXXXXX 4.2716 Employed Employed U.S. Citizen U.S. Citizen No 0
0683961746 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1679 XXXXXX 4.2732 Employed Employed U.S. Citizen U.S. Citizen No 0
0738188753 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1125 XXXXXX 4.3761 Employed Employed U.S. Citizen U.S. Citizen No 0
0346194334 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1455.32 XXXXXX 4.4123 Employed Employed U.S. Citizen U.S. Citizen No 0
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0051061731 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 9475 XXXXXX 4.1196 Employed (No Data) Permanent Resident Alien (No Data) No 0
0609126596 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.4746 Employed Employed U.S. Citizen U.S. Citizen No 0
0124567122 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 4013.22 XXXXXX 4.1331 Employed Employed U.S. Citizen U.S. Citizen No 0
0603177742 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1290 XXXXXX 4.6805 Employed (No Data) U.S. Citizen (No Data) No 0
0808463880 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2499 Employed (No Data) U.S. Citizen (No Data) No 0
0081424120 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1173.5 XXXXXX 4.1548 Employed Employed U.S. Citizen U.S. Citizen No 0
0938138860 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1774 XXXXXX 4.2711 Employed (No Data) U.S. Citizen (No Data) No 0
0499587787 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 4003.63 XXXXXX 4.1557 Employed (No Data) U.S. Citizen (No Data) No 0
0683858793 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1983 XXXXXX 4.0335 Employed Employed U.S. Citizen U.S. Citizen No 0
0163751250 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1341.5 XXXXXX 4.2725 Employed Unemployed U.S. Citizen U.S. Citizen No 0
0832236421 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 290 XXXXXX 4.3893 Employed (No Data) U.S. Citizen (No Data) No 0
0216369245 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 7730 XXXXXX 3.9907 Employed (No Data) Permanent Resident Alien (No Data) No 0
0967613620 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 650 XXXXXX 4.3779 Employed (No Data) U.S. Citizen (No Data) No 0
0085342062 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1550 XXXXXX 4.6472 Employed Unemployed U.S. Citizen (No Data) No 0
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0327517900 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2025 XXXXXX 4.6648 Retired Retired U.S. Citizen U.S. Citizen No 0
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0302489360 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1195 XXXXXX 4.2817 Employed (No Data) U.S. Citizen (No Data) No 0
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0052982484 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1295 XXXXXX 4.4085 Employed (No Data) U.S. Citizen (No Data) No 0
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0824518166 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 0 XXXXXX 4.2537 Employed (No Data) U.S. Citizen (No Data) No 0
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0737311241 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1290 XXXXXX 4.2852 Unemployed Employed U.S. Citizen U.S. Citizen No 0
0355844290 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 2281.64 XXXXXX 4.3021 Employed (No Data) U.S. Citizen (No Data) No 0
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0215749492 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1482 XXXXXX 4.5371 Employed Employed U.S. Citizen U.S. Citizen No 0
0257130409 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1206.95 XXXXXX 4.3898 Employed Employed U.S. Citizen U.S. Citizen No 0
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0535791392 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 10434.83 XXXXXX 4.2145 Employed (No Data) U.S. Citizen (No Data) No 0
0645744018 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 1264 XXXXXX 4.8019 Employed Employed U.S. Citizen U.S. Citizen No 0
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 EX-99.4 5 tv525075_ex99-4.htm EXHIBIT 99.4

 

Exhibit 99.4

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Valuations Summary
Loans in Report: 793    

 

      Origination Values Automated Valuation Model Desk Review Second Desk Review Field Review Second Field Review 1004 SFR (Mar 05) 2055 Ext Only (Mar 05) BPO (Broker Price Opinion) Other AUS Information
Alt Loan Number Original Balance Sales Price Value for LTV Appraised Date Appraised Value Review Date Review Value Review Type Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Report Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Other - Valuation Type Report Date Value Variance Amount Variance (%) CU Score
0708188207 XXXXXX XXXXXX XXXXXX 01/30/2019 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/15/2019 $XXXXXXXX $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0738784441 XXXXXX XXXXXX XXXXXX 11/14/2018 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/13/2019 $XXXXXXXX $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0235973377 XXXXXX XXXXXX XXXXXX 01/30/2019 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/27/2019 $XXXXXXXX $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0232029963 XXXXXX XXXXXX XXXXXX 10/17/2018 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 01/15/2019 $XXXXXXXX -$110,000.00 XXXX%   $0.00 $0.00 0.00% 02/20/2019 $XXXXXXXX -$75,000.00 XXXX%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0552502162 XXXXXX XXXXXX XXXXXX 12/31/2018 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/12/2019 $XXXXXXXX $10,000.00 XXXX%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0271795796 XXXXXX XXXXXX XXXXXX 02/05/2019 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/15/2019 $XXXXXXXX $8,000.00 XXXX%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0180567777 XXXXXX XXXXXX XXXXXX 08/21/2018 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/13/2019 $XXXXXXXX -$40,000.00 XXXX%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0229712972 XXXXXX XXXXXX XXXXXX 01/16/2019 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/13/2019 $XXXXXXXX $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0389010011 XXXXXX XXXXXX XXXXXX 05/25/2018 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/28/2019 $XXXXXXXX -$95,000.00 XXXX%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
0745889173 XXXXXX XXXXXX XXXXXX 01/09/2019 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/28/2019 $XXXXXXXX $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
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0379842398 XXXXXX XXXXXX XXXXXX 01/25/2019 $XXXXXXXX   $0.00     $0.00 $0.00 0.00% 03/07/2019 $XXXXXXXX $693,000.00 XXXX%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 0 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00%  
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 EX-99.5 6 tv525075_ex99-5.htm EXHIBIT 99.5

 

Exhibit 99.5

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Conditions Report 2.0
   
Loans in Report: 793
Loans with Conditions: 482

 

427 - Total Active Conditions
  3 - Material Conditions
      2 - Property Valuations Review Scope
          2 - Category: Value
      1 - Compliance Review Scope
          1 - Category: TILA/RESPA Integrated Disclosure
  424 - Non-Material Conditions
      133 - Credit Review Scope
          14 - Category: Application
          43 - Category: Assets
          35 - Category: Credit/Mtg History
          4 - Category: DTI
          13 - Category: Income/Employment
          3 - Category: Legal Documents
          6 - Category: LTV/CLTV
          14 - Category: Terms/Guidelines
          1 - Category: Title
      5 - Property Valuations Review Scope
          2 - Category: Appraisal
          3 - Category: Property
      286 - Compliance Review Scope
          5 - Category: Borrower's Interest
          2 - Category: Compliance Manual
          1 - Category: Documentation
          1 - Category: Repayment Ability
          72 - Category: RESPA
          20 - Category: Right of Rescission
          3 - Category: State Consumer Protection
          182 - Category: TILA/RESPA Integrated Disclosure
545 - Total Satisfied Conditions
             
      151 - Credit Review Scope
          8 - Category: Application
          10 - Category: Assets
          18 - Category: Credit/Mtg History
          32 - Category: DTI
          46 - Category: Income/Employment
          11 - Category: Insurance
          21 - Category: Legal Documents
          3 - Category: LTV/CLTV
          2 - Category: Terms/Guidelines
      128 - Property Valuations Review Scope
          98 - Category: Appraisal
          2 - Category: FEMA
          3 - Category: Property
          25 - Category: Value
      266 - Compliance Review Scope
          82 - Category: Ability to Repay/Qualified Mortgage
          2 - Category: Borrower's Interest
          5 - Category: Documentation
          26 - Category: Finance Charge Tolerance
          6 - Category: RESPA
          57 - Category: Right of Rescission
          88 - 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 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Conditions Report 2.0
   
Loans in Report: 793
Loans with Conditions: 482

 

Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade 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
0708188207 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any mortgage related occurrences during the past two years. Verified housing history is 0x30x24. Guidelines require 0x30x12.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked for current employer 6 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has worked for current employer 7 years and 6 months.
0738784441 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:  Minimum score allowed 700.  borrower score is 747

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed 43%, borrower DTI 28.59%
0235973377 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO 788 exceeds minimum FICO by 88 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 18 years at current job
0232029963 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 Desk review was received with a value of $XXXXXX, a variance of -XXXX% exceeding the maximum allowed threshold of 10%.  A satisfactory field review is required. 2.20.19 - A Field review was received with a reported value of $XXXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXXX. 2.26.19 - Client responded. A condition adjustment was not applied on the comparables provided in the field review and the age adjustment applied is considered understated (or unwarranted had the proper condition adjustment been applied), as the subject is in a new project which is considered a premium for buyers and all of the comparables provided are existing construction. Comparables 4 and 5 in the origination appraisal are active listings in the subjects project that support the appraised value and were not considered in the field review. The field review re-grids the origination appraisers comps 1-3; indicating these were good or viable comparables to determine value, however, places the value at the low end of the adjusted value range.  Comparables 2 & 3 on the field review were given a large adjustment for having superior amenities when the subjects project boasts many, if not all or more, of the same amenities that these projects appear to offer. The field review places value that is considered understated due to the adjustment concerns noted.2.26.19 - XXX has reviewed and will provide commentary to Third Party team to send to appraiser for review and additional commentary. 3.5.19 - Appraiser has provided rebuttals to the clients commentary and stands by original field review value of $XXXXXX. 3.8.19 - Client responded. Disagree: 1. Their sales comparison grid individually lists condition and age; adjustments should not be aggregated as described by the field review.  Extracting the adjustment from comps 2 and 3 is in adequate, these units are in different projects from each other and the subject, furthermore, there are significant differences in GLA and View that diminish the extraction of age and or condition adjustments. 2. The in ability to reach the sales office is not a sufficient reason to discount the active listings in the subject project. These active listings form the subject project would be the some of the best indicators of value and to omit them from the valuation analysis would not be prudent and or reasonable. 3. Respectfully disagree, the greatest value-impacting characteristic is the subject being a brand new unit with up to date amenities, mechanicals and finishes. Further supporting the consideration of active listings  in the subject building XXX.  Unit XXX is a model match. The field review has not adequately analyzed nor addressed the best available comparable sales, the listings from the subject complex would be better units of comparison for GLA, age, condition and floor adjustments. These have the benefit of the same location, the same amenities and are new never lived in units that undoubtedly would receive a premium over older lived in units. The original appraisal provides adequate support for the value conclusion, utilizes similar and proximate sales in addition to active listings in the subject project. The value is bracketed and supported by the data. Omission of key data due to the field review inability to confirm details is not an adequate reason to discount the data.3.8.19 - XXX has reviewed and will forward to third parties to send to vendor for further commentary. 3.13.19 - XXX has received response from appraiser and additional comments reflect appraiser stands by original report and that value is not supported. 2.20.19 - Exception remains. 2.26.19 - Exception remains. 3.5.19 - Exception remains. 3.7.19 - Exception remains. 3.13.19 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 809 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 38.00 is below guideline requirement
0552502162 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in current profession for 12 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 60% below the guideline requirements of 80%.
0271795796 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 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.97 is below guideline requirement.
0180567777 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 CRDLTV100 LTV Not Reduced Per Guidelines (i.e. rural prop., prop. type) No Original exception cancelled as it was under property values and this should be a credit exception: Approved Lender Exception for Flip transaction, LTV and CLTV.  This transaction is a flip transaction since the seller is a XXX and purchased the property in XXX for XXX and now selling for XXX.  The appraiser does comment that the property has been completely renovated since the purchase and the large increase in sales price is justified.  The appraisal, title and sales contract all show XXX as seller.  The flip transaction makes sense also.  The LTV exception is supported as the subject is a XXX which is very common with a high land use percentage. Strong market with value supported. Borrowers have the asset profile to go XXX LTV. However they are choosing to keep retirement and not liquidating it. In addition borrowers have strong offsets and profile as addressed below Housing shock is offset by large residual income and low ratios. ATR and WTR supported. Stable market with supported LTV.  Compensating factors used to approve exception: Post close reserves exceed guideline minimum and DTI is lower than guideline minimum.  XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI currently 32.58%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified  reserves are $435,059.92. Reserves required = $78,085.56
0229712972 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Approved lender exception for greater than 4 financed properties with LTV over 60% and PCL of $XXXK not met for this requirement per Non Agency UW Guides (pg. 41).  Compensating factors used to approve exception:XXXXXX with employer for 8 years, 25.39% DTI, $61,165/mo. residual income, at least 99 months of 0x30 mortgage payment history.  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 20 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.23 % is  below guideline maximum.
0389010011 XXXXXX CO 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 business for B2 XXX employment 4.9.19 - Client responded. Verification of business for B2 XXX employment XXX attached. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 11 years XXX employment.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.53% is below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  52.35% LTV is below guideline maximum.
0389010011 XXXXXX CO 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 V VOE for B2 XXX employment. 4.9.19 - Client responded. VOE for B2 XXX attached.   4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 11 years XXX employment.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.53% is below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  52.35% LTV is below guideline maximum.
0745889173 XXXXXX CO 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 current for the past 6 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 11 years.
0330157710 XXXXXX CA 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 CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $1405.25 zero tolerance due to increase in transfer taxes on LE XX/XX/XXXX without a valid CoC from $0 to $1403 & then on CD's for $1405. Final CD provided insufficient cure of $13.05. Requires CoC, or corrected PCCD, copy of refund check, LOX and copy of shipping. 1.9.19 - Client responded. "Agree with finding: Change Circumstance was not valid for the first increase in zero tolerance fees on XX/XX/XXXX. This was due to an incorrect change circumstance reason associated with the change fee.  Changed Cicumstance used was ""Title Service Change"", when it should have been ""Purchase Contract Change"". However, a Lender credit of $2.75 was provided on the final CD for the second increase in zero tolerance fees for transfer tax and is reflected in section J as part of the credit for increase in closing costs above the legal limit. Corrected CD to be sent to the customer, along with an over tolerance refund of $1,402.50. 1.9.19 - Clayton has reviewed and once PCCD, copy of check, LOX to borrower and proof sent is provided exception can be reviewed. 4.29.19 - Client responded. See attached documentation. PCCD dated XXX provided. LOX to borrower & copy of check for $1402.50 paid to borrower. 1.9.19 - Exception remains. 4.29.19 - Exception satisfied. Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 64.89% below program maximum 80.00%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have 15 years in same line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 789 above program requirement 720.
0330157710 XXXXXX CA 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 updated valuation supporting appraised value of $XXXXXX. 1.2.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 1.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV 64.89% below program maximum 80.00%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have 15 years in same line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 789 above program requirement 720.
0594164725 XXXXXX AZ 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 documentation to very monthly PITI is not more than $2,327.54 for property XXX. Provide mortgage statement to show monthly PITI is $2,327.54. 3.19.19 - Client responded. Mortgage statement for property XXX to verify monthly PITI is $2,327.54 attached. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.66%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  168.72 months PITI reserves verified, max per guidelines is 12 months
0594164725 XXXXXX AZ 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 documentation to very monthly PITI is not more than $2,327.54 for property XXX. Provide mortgage statement to show monthly PITI is $2,327.54.  XXX considers non-material based on compensating factors. 3.19.19 - Client responded. Mortgage statement for property XXX to verify monthly PITI is $2,327.54 attached. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.66%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  168.72 months PITI reserves verified, max per guidelines is 12 months
0586525853 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A C A D B B B D A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial delivered  CD: XXX, final CD delivered XXX, Loan Closed consummated XXX, not 3 full business days. CD dated XXX was crossed out and date changed to XXX and initialed by borrower. No waiver in file for closing early. 3.25.19 - Client responded. Disagree:  Initial CD #001 was issued on XXX per internal eTracking.   The projected closing date incorrectly populated to the issue date.  See attached eTracking and CD XXX  (#XXX located in footer).   XXX attaches #s to all LEs and CDs for delivery tracking. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.23% is below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years.
0586525853 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A C A D B B B D A C A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Approved Lender Exception for Credit Risk Invalid or Insufficient. Compensating factors are as follows: previous trade lines paid as agreed. Borrower has satisfactory rental history. Low risk transaction, exception is warranted. Clayton considers this a non-material issue. 3.25.19 - Client responded. LVAM approved exception - Credit Risk Class Invalid or Insufficient. Exception approved under the PCO delegated authority.    3.25.19 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.23% is below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years.
0586525853 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A C A D B B B D A C A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.21.19- A Desk Review was received with a reported value of XXXXXX which supports the original appraised value of XXXXXX. 3.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.23% is below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years.
0619588126 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 5.2.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 5.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $528,949.83 or 113.16 months PITIA

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job of 38 years
0861686630 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 approved exception in file. Borrowers are short PCL reserves.  Compensating factors include Low DTI of 36%. XXX has reviewed and determined the exception to be non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.97 is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $105,751.45.  Reserves equal 16.59 months of PITI reserves and exceed required reserves ($6,376.06 x 12 = $76,512.72).
0573652782 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 employer for over 3.1 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying fico 789 exceeds guides of 680.
0950521682 XXXXXX NY 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 copy of final HUD to verify exclusion of PITIA for XXX. 5.7.19 - Client responded. "Final Closing Statement for departure residence located at XXX details page to validate payoff amount (last payment) of $591,269.76 with $0 balance attached (2 attachments). 5.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 12 years and 3 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 779.  Minimum required per guidelines is 680.
0950521682 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing final HUD from sale of XXX (departing residence) verifying proceeds of $486,096.00.  Proceeds included in asset calculation. 5.7.19 - Client responded. "Final Closing Statement for departure residence located at XXX to verify proceeds attached. Check(s) issued to the borrower in the amount of $378,801.59 + $107,294.50 = $486,096.09 proceeds.   5.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 12 years and 3 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 779.  Minimum required per guidelines is 680.
0950521682 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing copy of final HUD to verify exclusion of PITIA for XXX. Lender excluded PITIA and included proceeds from REO sale in assets. 5.7.19 - Client responded. "Final Closing Statement for departure residence located at XXX and XXX details page to validate payoff amount (last payment) of $591,269.76 with $0 balance attached (2 attachments). 5.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 12 years and 3 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 779.  Minimum required per guidelines is 680.
0950521682 XXXXXX NY 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 C A C A CRDINC150 Income docs do not meet guidelines No Missing legible paystub within 120 days of note date for B2.  (Paystubs dated 2/28/19 and 3/15/19 supports income from expired paystub dated 11/15/18, but additional documentation/deductions are not legible). 5.7.19 - Client responded. "Paystubs dated 2/28/19 and 3/15/19 attached. Once the document has been opened, enlarge (zoom) to increase legibility. 5.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 12 years and 3 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 779.  Minimum required per guidelines is 680.
0950521682 XXXXXX NY 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. 5.7.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 5.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 12 years and 3 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 779.  Minimum required per guidelines is 680.
0946655399 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:  777/770 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  31 mortgage payments made to XXX with no late payments.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  10 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $366,761.79 = 28 months of PITI for both financed properties.
0065389023 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:  33.21% DTI is below 43% maximum per guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  751 Credit score exceeds minimum 680 per guidelines
0907185537 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 of 35.04 is 7.96% below the maximum allowed of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 11 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $273,051.06 exceed reserves required $4259.23 x 12 = $51,110.76
0852634269 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 16.21%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on current job for 13 years and 6 months.
0689720096 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No ZERO tolerance violation of $984.57 due to increased processing fee of $780.00 and Lender Credits and Lender Paid Fees Aggregate increase of $204.57.  No COC in fore changes. Cure requires Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 1.9.19 - Client responded. """Agree with Finding: Change Circumstance was not valid for the increase in zero tolerance fees on XX/XX/XXXX, for the processing fee that increased by $780. Corrected CD to be sent to the customer, along with an over tolerance refund of $984.57."1.9.19 - Clayton has reviewed and once PCCD, copy of check, LOX to borrower and proof sent is provided exception can be reviewed. 4.29.19 - Client responded. See attached documentation. LOX to borrower, copy of PCCD dated XXX and copy of refund check to borrower for $984.57 provided. 1.9.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.10%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers in their professions for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 793. Minimum credit score for this program is 680.
0689720096 XXXXXX NC 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's dated XXX, Other Costs section F, Prepaid Interest calculation is incorrect.  $56.02 x 20 days is $1,120.40. CD's reflect $1176.42. Cure requires LOX and re-disclosed CD; refund if excess funds collected at closing and proof of shipping. 1.9.19 - 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 21 days of interest and not 20 days. No re-disclosure or refund is needed.1.9.19 - Clayton has reviewed and system glitch that has been corrected. 1.9.19 - Exception satisfied. Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.10%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers in their professions for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 793. Minimum credit score for this program is 680.
0689720096 XXXXXX NC 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 CRDAPP130 Application is incomplete No Section (VIII Declarations) of final application dated XX/XX/XXXX is incomplete. 1.5.19 - Client responded. Providing a copy of the Final 1003 that was sent to closing (XXX) with all sections complete. Providing the signed, Final 1003 that was sent back from closing (XXX) with quality such that none of the checks that were in the boxes on the original are now visible (not just in the Declarations section) on the faxed copy. Using the bar code number as reference, we would contend that they are one in the same. 1.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.10%. Max DTI for this program is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers in their professions for 10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 793. Minimum credit score for this program is 680.
0406023367 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 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 6.86 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.91%; guideline maximum is 43%.
0406023367 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 VOM/VOR for borrower previous residence listed on 1003 XXX XXX. and  most recent address of XXX  Letter in file states borrower lived rent free from June 2018-July 2018 at property located at  XXX and have not changed mailing address at this time  . Missing  12 month Rental history or per guidelines PCO/ACO Enhanced Authority Tracking review is Required. (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 6.86 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.91%; guideline maximum is 43%.
0134921739 XXXXXX ID 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 791 exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 228 months exceed guidelines 12months PITI.
0444220300 XXXXXX NV 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:  Borrowers have 10 year mortgage history with no late payments.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have overall good credit history.
0224799541 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 70mos maximum required 12mos

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years on job
0840634307 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 Compliance Manual Active B B B B CMPMAN2956 Missing disclosure No Missing a signed Final 4506-T as required by the Lender for all loans.  Compensating factors include:  Employment stability (8+ years at same job), additional income not used to qualify, 759 rep FICO, 30.48% DTI, 67 months reserves after closing.  XXX considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been at current job for 8.74 months when only 2 years is required.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The Borrower receives substantial other income besides Base pay that has not been used for qualifying purposes.
0375693211 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Provide the signed 4506T from closing. 04.10.19  Client response - See attached  signed Final 4506T 04.10.19 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 representative credit scores exceeds guideline.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $39,587.12 = 14 months of PITIA payments.
0375693211 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   4.18.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 representative credit scores exceeds guideline.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $39,587.12 = 14 months of PITIA payments.
0044990745 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with same employer for over 18 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines, current DTI 20.28%
0870346468 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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: XXX -Section: Calculating Cash To Close, Deposit of $15,000 not shown in loan estimate section as shown on XX/XX/XXXX L.E. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer from past 11 years. and current position XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a Good credit history and no late in past 36 months.
0870346468 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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: XXX-Section: Calculating Cash To Close, Seller Credit of $44,945 not shown in loan estimate section as shown on XX/XX/XXXX L.E. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer from past 11 years. and current position XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a Good credit history and no late in past 36 months.
0870346468 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD: XXX-Section: Calculating Cash To Close, Total Closing Costs of $57,206 not shown in loan estimate section as shown on XX/XX/XXXX L.E. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer from past 11 years. and current position XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a Good credit history and no late in past 36 months.
0870346468 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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: XXX-Section: Calculating Cash To Close, Estimated cash to close not reflecting in loan estimate section as shown on XX/XX/XXXX L.E. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer from past 11 years. and current position XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a Good credit history and no late in past 36 months.
0870346468 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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 CD: XXX-Section: Calculating Cash To Close, Adjustments and other credits of $7,930 not shown in loan estimate section as shown on XX/XX/XXXX L.E. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer from past 11 years. and current position XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a Good credit history and no late in past 36 months.
0787218183 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 $378,666.32.  Reserves required $3289.72 x 12 = $39476.64.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The  borrowers DTI is 28.89%.  Maximum DTI per guidelines is 43%.
0582352557 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 CRDAST205 Insufficient Funds to Close No Approved Lender exception for short reserves. Short 2.85 months. Compensating factors include low DTI of 34.03% and borrower to recoup funds upon sale of departing residence. Clayton has reviewed and determined the exception to be non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.03% DTI below max allowed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 representative FICO exceeds minimum required.
0582352557 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. 4.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.03% DTI below max allowed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 representative FICO exceeds minimum required.
0361443612 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 the original appraised value. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been on job for over 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.52% DTI is below the maximum of 43%
0164699545 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 15 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 51 months of 0x30 mortgage payment history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 qualifying score.
0640994163 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 of $XXXXX. 3.6.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in their  Current  Residence for 10.65 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  785  exceeded the guideline requirement of  680  by  105  points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0230319358 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   4.12.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 19 years 11 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower was living at previous residence for over 11 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is at 32.06%,  Max DTI is 43%
0464824834 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing 1 month asset statement for XXX 401k from Jan 1, 2019 to Jan 31,2019 to complete 2 month recent statement as required by guidelines. (Feb 1 to Fed 28 , 2019 statement in file)   Compensating factors include:  Job stability (12+ years at current employer) and FICO 793.  Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 exceeds guideline requirement of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 12 years, stable employment history
0610946019 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 $135,730.25.  Reserves equal 39.60  months of PITI reserves and exceed required reserves ($3,427.69 x 12 = $41,132.28).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.12 is below guideline requirement.
0899832955 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:  B2 has been at current job for 9 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 792 exceeds the minimum per guidelines.
0291742452 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 790 is 90 points above minimum required score of 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  46.43% LTV is below maximum allowed LTV of 80%.
0519069116 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide 2016 W2's for borrower 2 2.11.19 - Client responded. 2016 W-2s verify prior employment to complete a two-year history of employment and were not needed to verify qualifying income. B2 submitted 2016 W-2 Wage and Tax statements (attached) along with 2016 1040s to verify employment history. Unable to locate 2016 W-2 forms 2.11.19 - 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 35.84%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.74 months PITI reserves verified, max per guidelines is 12 months
0519069116 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 W-2 for XXX. Lender to provide all W-2s 2016. 2.11.19 - Client responded. 2016 W-2s verify prior employment to complete a two-year history of employment and were not needed to verify qualifying income. B2 submitted 2016 W-2 Wage and Tax statements (attached) along with 2016 1040s to verify employment history. Unable to locate 2016 W-2 forms 2.11.19 - 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 35.84%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.74 months PITI reserves verified, max per guidelines is 12 months
0519069116 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 CRDLGL100 Legal document incorrect or incomplete No Final CD is incorrect. It shows $497,000 gift, however total gift amount is $430,200 which was deposited to borrowers' account. Borrowers have two wire transfer to title. #1 on XX/XX for $XXXXXX (borrower's net proceeds from his home sale) #2 on XX/XX for $XXXXXX from XXX. Lender to provide corrected final CD. 2.7.19 - Client responded. Agree - gift amount changed from $497000 to $430200 (gift letter dated 12/27/18 but CD still reflects $497000. Corrected CD being requested. 5.1.19 - Client responded. 4/30/19: see attached PC CD and LOX. PCCD dated XXX provided and error corrected. 2.7.19 - Exception remains. 5.1.19 - 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 35.84%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.74 months PITI reserves verified, max per guidelines is 12 months
0363939962 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:  763 representative score exceeds guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.26% is below guideline maximum.
0171626946 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 of 34.62% below guideline maximum.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years.
0046907885 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 6.47 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is 787 ;  Credit score exceeds guidelines of 720.
0599822663 XXXXXX VA 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 Per the Disclosure Data Worksheet Initial CD was sent to Borrower on XXX. Only CD provided in File is Final CD XXX. File is missing Initial CD. 4.1.19 - Client responded. Disagree - closing date is XXX.  Initial CD with issue date of XXX according to print date and internal delivery tracking info. Issue date of XXX is not correct. Initial CD delivered with acceptable timing. Initial CD and delivery tracking attached.4.1.19 - XXX has reviewed. CD dated XXX is not located in file. Please provide Initial CD dated XXX. 4.4.19 - Client responded. Please refer to Disclosure Data Spreadsheet reflecting application date of XXXXXX. The print date on the CD in question is XXX. The date of XXX in the Issue Date field was entered in error. 4.1.19 - Exception remains. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 18.07%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 has been on current job for 11 years and 5 months.
0606796781 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 29.26%.  Maximum DTI per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been on current job for 12 years and 7 months.
0798682061 XXXXXX CA 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 Documents to Perform ATR/QM Review: Loan file is missing verification of all non-subject components. Missing a copy of the monthly HOA assessments for REO property, XXX 3.5.19 - Client responded. Underwriting notes and 4 months bank statements attached to support the $400 monthly HOA assessment for REO property XXX 3.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 775; minimum required credit score per guidelines is 740.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 60.87%; max allowed LTV per guidelines is 80%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.
0798682061 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D 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 following components for REO property XXX Property is a condo. Missing a copy of current monthly HOA assessment payments. 3.5.19 - Client responded. Underwriting notes and 4 months bank statements attached to support the $400 monthly HOA assessment for REO property XXX 3.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 775; minimum required credit score per guidelines is 740.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 60.87%; max allowed LTV per guidelines is 80%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.
0798682061 XXXXXX CA 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 updated valuation to support to the original appraised value of $XXXXXX. 3.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 775; minimum required credit score per guidelines is 740.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 60.87%; max allowed LTV per guidelines is 80%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has an overall good credit history. No derogatory credit. No public record findings.
0846651805 XXXXXX CA 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 CRDCRMH124 Collections, Liens, etc. not paid as required by guidelines No Missing satisfactory evidence that collection accounts with XXX for $2,194 and XXX for $1,002 were paid. 3.19.19 - Client responded. Evidence that collection accounts were paid was not obtained. Rationale was documented. Borrower also had sufficient funds to pay off the collections. Borrower LOX and loan notes attached (2 attachments). 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing primary residence for over 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $101,792.28 reserves required for the subject transaction. Verified $413,691.65 or 448.77 months reserves
0076406386 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Final CD indicates disbursement date is XXX. The end of the statutory rescission period per the ROR is XXX. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.29.19  Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $63409.08. Verified reserves $90,398.59. Excess reserves $26,989.51.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 39%; CLTV 42%; HCLTV 45%
0076406386 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD indicates disbursement date is XXX. The end of the statutory rescission period per the ROR is XXX. 2.6.19 - Client responded. Agree:  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per final settlement statement, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation requested 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 2.6.19 - Exception remains. 4.29.19  Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $63409.08. Verified reserves $90,398.59. Excess reserves $26,989.51.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 39%; CLTV 42%; HCLTV 45%
0076406386 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 XXX Closing Costs financed (paid from you loan amount) value is $664.23. Review calculates total to be $28.80. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $63409.08. Verified reserves $90,398.59. Excess reserves $26,989.51.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 39%; CLTV 42%; HCLTV 45%
0775783532 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 $ XXXXXX. 3.6.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.6.19 - Exception satisfied. (No Data) Not Applicable 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 65% is 15% less than maximum allowed LTV of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Co-Borrower's mid FICO score 774 is 94 points higher than required 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 38.83% is 4.17% less than required 43%.
0421141860 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed $1,765.39, XXX Calculation, Value: 945.39. Difference of $820 are cost paid out of closing. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  6.3 years at current residence per application.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13.09 years at current job per application.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  7.93 years at current job per application.
0421141860 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX-1, Section: Other Costs, Field- Recording fees not itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  6.3 years at current residence per application.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13.09 years at current job per application.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  7.93 years at current job per application.
0421141860 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing Completion Cert documenting completion of combining of the two apartments and completion of all the renovations. 4.1.19 - Client responded.  Lender guidelines permit escrows for work completion.  Loan is a cash-out refinance to purchase the co-op unit adjacent to borrower's current residence and combine the two units into one unit. Appraisal was made subject to completion of the requirements to combining the two units.  An Escrow Holdback Agreement was executed at closing holding $50,000 for completion of the appraisal requirements.  Borrowers have until 09/08/2019 to complete the required repairs at which time a final inspection will be completed.  Copy of Escrow Holdback Agreement and supporting documentation is attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  6.3 years at current residence per application.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  13.09 years at current job per application.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  7.93 years at current job per application.
0146178623 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:  793 qualifying score. Min required per guidelines is 720.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 8.15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers  have no derogatory items on credit report.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments.
0971600955 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 reserves of $44,139.87 are insufficient for required PCL reserves of $44, 649.60 ($3720.80x12) by $509.73. Compensating factors are time on job, DTI of 32.6% & qualifying credit score of 769. Clayton has reviewed and considers 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 with current employer for 5.09 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.63% below guideline requirement.
0331054097 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  759  exceeded the guideline requirement of  680  by  79  points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI of 36.79% is under the guideline requirement of  43.00% by 6.21%.
0644571768 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. 3.15.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 FICO exceeds minimum 720 required

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post-closing funds of $146,136 @ 25.88 PITIA months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.72% DTI below max 43% allowed
0606229791 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX and XXX: Section Other Cost B; Lines 01-04 Title service fees are missing the payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.60%, max per guidelines is 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 10 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with employer for 10 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  761 representative FICO exceeds minimum 720 required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing funds of $279,104.67 @ 52.40 PITIA months.
0168013447 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 the original appraised value. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 768; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 54.55%; max allowed LTV per guidelines is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 19.53%; max allowed DTI per guidelines is 43%.
0751886612 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 Legal Documents Active B B B B CRDLGL2550 Missing HUD-1 from sale of property No Missing evidence of HUD to verify proceeds to borrower from sale of departure; sale proceeds deposited however Final Settlement statement or final CD still required. Compensating factors include: 732 qual score, borrowers have been in their professions for 10 and 8 years, 38.01% DTI, $11,583/mo. residual income.  Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 10 and 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  731 qualifying score.
0777991374 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 below guideline requirement at 19.93.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no recent late payments.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  co- borrower has stable employment with 4 years on current job.
0261815906 XXXXXX WA 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 No Confirmation of Receipt of Initial CD XXX or Corresponding Doc Tracker showing Delivery 3 Days Prior to Consummation. Retail loan and not found on Data Master Disclosure sheet. 4.5.19 - Client responded. Disagree - closing date is XXX. CD with issue date of XXX according to print date and internal delivery tracking info delivered with acceptable timing. CD and delivery tracking attached. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has overall good credit history.
0261815906 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Credit Assets Active B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Provide evidence of $40,000 EMD.  Final CD shows $40,000 EMD however unable to verify the source. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 12 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has overall good credit history.
0595102221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO 789 exceeds minimum FICO of 700 by 89 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI 30.62% below guideline requirement of 45%.
0239540361 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No CD XXX states disbursement date is on XXX which is on the same date as the Rescission date XXX.Need LOX, proof of delivery and New XXX.   4.2.19 - Client responded. Agree.  Rescission ended on XXX and CD reflects XXX disbursement date.  Per settlement statement funds correctly disbursed on XXX.  PC CD with XXX2 per diem start date and disbursement date required to remedy.  Remediation requested5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines of 700 by 75 points

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 6+ years at current job
0239540361 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD dated XXX has disbursement date XXX Rescission midnight date is XXX  Loan funded prior to end of rescission. Need LOX, proof of delivery and New XXX 4.2.19 - Client responded. Agree.  Rescission ended on XXX and CD reflects XXX disbursement date.  Per settlement statement funds correctly disbursed on XXX.  PC CD with XXX per diem start date and disbursement date required to remedy.  Remediation requested5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 exceeds guidelines of 700 by 75 points

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 6+ years at current job
0390458143 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. 4.9.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The primary wage earner median credit score is 814.

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

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has positive mortgage payment history for 95 months.
0447579230 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4726.40CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 4115.97. Difference is POC's of $610.43. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 41.34 below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 15 years.
0437467285 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 profession for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 740 exceeds guidelines.
0478239584 XXXXXX FL 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 Per the Final 1003 missing documentation to support the P/I and Insurance if any for the property located at XXX (Land).  Used $2437.54.  Per the documents in the file the Property belongs to XXX. 3.20.19 - Client responded. Real Estate Tax Bill, XXX, VOM, Loan Amortization Calculator and XXX for property (vacant land) XXX attached to support the monthly payment used in decisioning. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 29.41.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 38 yeas.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  8.99% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated Assets $844252.79; Effective Amount (Assets Used) $844252.79; Liquid Assets $743527.82; Post cash reserves are in the amount of $842826.17.  Required reserves:  $6,044.73 x 12 = $72,536.76
0478239584 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B B A A A D B D B B A A A D B Compliance Right of Rescission Satisfied C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No The Mortgage was notarized on XXX.  The recession period per the ROR starts XXX   3.20.19 - Client responded. Agree:  Customer1 rescission started on XXX, RTC indicates ends on XX/XX/XXXX and should end on XXX.   Customer 2 rescission started on XXX, RTC indicates XXX and should be XXX.  New RTC required to remedy defect. Requesting Remediation. 4.29.19 - Client responded. See attached NORTC and LOX 3.20.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 29.41.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 38 yeas.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  8.99% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated Assets $844252.79; Effective Amount (Assets Used) $844252.79; Liquid Assets $743527.82; Post cash reserves are in the amount of $842826.17.  Required reserves:  $6,044.73 x 12 = $72,536.76
0478239584 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B B A A A D B D B B A A A D B Credit Credit/Mtg History Satisfied B A B A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Per the Final 1003 missing documentation to support the P/I and Insurance if any for the property located at XXX (Land).  Used $2437.54.  Per the documents in the file the Property belongs to XXX. Compensating factors include:  8.99% DTI, 38+ years XXX, 29+ years at current residence, 139 months reserves.  XXX considers non-material based on compensating factors. 3.20.19 - Client responded. Real Estate Tax Bill, XXX, VOM, Loan Amortization Calculator and XXX for property (vacant land) XXX attached to support the monthly payment used in decisioning. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 29.41.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 38 yeas.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  8.99% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated Assets $844252.79; Effective Amount (Assets Used) $844252.79; Liquid Assets $743527.82; Post cash reserves are in the amount of $842826.17.  Required reserves:  $6,044.73 x 12 = $72,536.76
0919801031 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 Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 14 years at current job

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 65 months paid as agreed exceeds guidelines of 12 months.
0919801031 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4853.86 Calculating Cash to Close, : XXX Calculation, Value: $4223.43. Difference is POC's of $630.43. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 14 years at current job

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 65 months paid as agreed exceeds guidelines of 12 months.
0232086073 XXXXXX FL 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 Expiration date on form is XXX, which is prior to end of rescission period. 2.19.19 - Client responded. Agree.  Proper rescission period was not provided to all consumers as expiration date on Notice of Right to Cancel is less than 3 business days.  Expiration date on Notice of Right to Cancel executed by consumers on XXX is XXXXXX.  Reopening of rescission is required to cure defect.  Remediation requested. 4.29.19 - Client responded. Disagree.  XXX signed on XXX with Rescission end date midnight XXX.   XXX signed on XXX with rescission end date midnight XXX (providing copy with initialed date change which was also included in imaged copies).   All parties received proper rescission period and CD reflects correct disbursement date and per diem start date date of XXX. No remediation required. 2.19.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 30.86 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B3  have been on current job for 22.94 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months
0232086073 XXXXXX FL 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 XXX Closing Costs financed (paid from you loan amount) value is $34,916.30. Review calculates total to be $34,276.87. Difference is POC's of $639.43. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 30.86 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B3  have been on current job for 22.94 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months
0334451439 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. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 767. Min required 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.21% is 7.79% is less than required 43%.
0741584816 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:  Borrower's mid score of  755  exceeded the guideline requirement of  680  by  75  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 21.63% is under the guideline requirement of  43.00% by 21.37%.
0005850806 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 Verification of business does not contain date; unable to confirm it is within 30 days of note per guidelines. 3.19.19 - Client responded. Verification of existence (VOE) for XXX attached. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 19 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Time on job = 19 years
0005850806 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 CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 17035.05CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 16340.05. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 19 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Time on job = 19 years
0005850806 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 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Verification of business does not contain date; unable to confirm it is within 30 days of note per guidelines. 3.19.19 - Client responded. Verification of existence (VOE) for XXX attached. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 19 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Time on job = 19 years
0194947190 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 Approved Lender exception for insufficient number of months PCL reserves. Compensating factors used to approve exception: $14,512/mo. residual income, 22.33% DTI, 800 qual score, established savings pattern with $159K in retirement, minimal use of revolving debt.  Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 800 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 22.33% is below guideline maximum.
0194947190 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. 4.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 800 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 22.33% is below guideline maximum.
0355338901 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 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 Cash to close table lists Adjustments and other credits as 49,316.48 to which 40,676 payoff is included of Auto Loan from summaries transaction section K line 4. Line 4 should not be included in the adjustments and credits section. Please provide a revised CD that does not include the payoff on the cash to close table under adjustments and credits. Revised CD to borrower along with LOX (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  25 +months verified cash reserves.

CFCFS2860: Good credit history
- Clayton Comments:  Credit report shows 0x30 on all revolving and installment debts.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as an XXX for 7 years
0597103737 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 14.06% is below guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $355,170.44. Reserves required $2762.62 x 12 = $33,151.44.
0894831028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD disclosed disbursement date as XXX which is prior to the end of the rescission period of XXX. Requires corrected PCCD, LOX, copy of shipping and re-opening of rescission if applicable. 1.28.19 - Client responded.  Disagree:  Final Settlement statement indicates funds disbursed on XXX after right to cancel expiration.  NOTE: Requires post consummation CD reflecting correct disbursement date and per diem interest start date. 1.28.19 - XXX has reviewed and Final Settlement Statement is not taken into consideration...only CD's. PCCD needs to be provided to reflect correct Disbursement date. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 1.28.19 - Exception remains. 4.29.19  Exception satisfied. (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  786  exceeded the guideline requirement of  760  by  26  points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 15.69% is under the guideline requirement of  70.00% by 54.31%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 12.67% is 30.33 points below maximum allowed DTI of 43%.
0894831028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD XXX Calculating cash to close table LE column of the grid does not match the last LE issued.Requires corrected PCCD, LOX and copy of shipping. (No Data) (No Data) Non-Numeric 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  786  exceeded the guideline requirement of  760  by  26  points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 15.69% is under the guideline requirement of  70.00% by 54.31%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 12.67% is 30.33 points below maximum allowed DTI of 43%.
0894831028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs Financed (paid from your loan amount) value of -$3,581.58, does not match reviews calculation of $2,886.58.Requires corrected PCCD, LOX and copy of shipping. (No Data) (No Data) Numeric 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  786  exceeded the guideline requirement of  760  by  26  points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 15.69% is under the guideline requirement of  70.00% by 54.31%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 12.67% is 30.33 points below maximum allowed DTI of 43%.
0894831028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No Approved Lender's Exception for -"Cash out" for purchase/cash recoup in last 90 days.Lender Compensating Factors:  Low LTV, Borrower is long time XXX of 10 years.Borrower has demonstrated ability to save and meets ability to repay requirements. Loan hasseveral strong offsetting factors to mitigate the risks presented. (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  786  exceeded the guideline requirement of  760  by  26  points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 15.69% is under the guideline requirement of  70.00% by 54.31%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 12.67% is 30.33 points below maximum allowed DTI of 43%.
0894831028 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Application Active C B C B CRDAPP131 Occupancy status not supported by file documentation No Original exception cancelled as it was under property values and this should be a credit exception: Occupancy on appraisal shows vacant and property applied as primary. Borrower purchased for cash XXXX. Copies of recent rent checks in file, no explanation for not occupying the property in file 1.24.19 - Client responded. LVAM approved exception - Purchase less than 90 days policy. Exception approved under the PCO delegated authority. Cash recoup loan transaction of primary residence purchased in XXXX.1.24.19 - XXXX has reviewed and considers non-material based on compensating factors of low LTV 15.69%, Low DTI of 30.33% and qualifying credit score of 786 over the required 760. 1.24.19 - Exception remains. (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  786  exceeded the guideline requirement of  760  by  26  points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 15.69% is under the guideline requirement of  70.00% by 54.31%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of 12.67% is 30.33 points below maximum allowed DTI of 43%.
0106586806 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 Missing Affiliate Business. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$639,281.06 in total assets documented.  Effective amount is $639,281.06, with liquid assets of $639,281.06.  Post close reserves are $348,877.13. Reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.55% is below guideline maximum.
0244266484 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 current employer for 5.91 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 5.41 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 15 years. Co-Borrower has been employed in current profession for 14 years.
0813549726 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX: Summaries of Transactions Section, Adjustments and Other Credits Calculation is ($17,480.23) does not match the Calculating Cash to Close Section, Adjustments and Other Credits - Final, Value: -$14859.56. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI maximum 43%, current DTI 32.33%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative score of 782 exceeds  guideline requirement.
0103376199 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  8.74 years at current job, per application.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810.  Minimum required is 720.
0187585454 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 Total Monthly Coop Maintenance Fee in the amount of $1425 for borrowers primary residence located at  XXX. 4.1.19 - Client responded. Non-subject property located at XXX is a TIC (Tenancy-In-Common) unit. A hybrid between a single-family house and a condominium that are popular (unique) in XXX. The borrower has a private contract between other owners in a triplex. There are no maintenance (HOA) fees associated. Borrower LOX attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 22 years in current profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have a 31 month mortgage history with no late payments.
0187585454 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 CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge is understated by -2730.36. PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 22 years in current profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have a 31 month mortgage history with no late payments.
0187585454 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 evidence of Total Monthly Coop Maintenance Fee in the amount of $1425 for borrowers primary residence located at  XXX. 4.1.19 - Client responded. Non-subject property located at XXX is a TIC (Tenancy-In-Common) unit. A hybrid between a single-family house and a condominium that are popular (unique) in XXX. The borrower has a private contract between other owners in a triplex. There are no maintenance (HOA) fees associated. Borrower LOX attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 22 years in current profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have a 31 month mortgage history with no late payments.
0187585454 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 replacement cost estimate from insurance company to document sufficient coverage.  Current policy in file does not contain required Endorsements or sufficient coverage. 4.1.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX and XXX Hazard Insurance details page attached (2 attachments).   4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 22 years in current profession.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have a 31 month mortgage history with no late payments.
0318019788 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. 4.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $319,979.5 or 73.90 months.  Reserves required $4,353.69  x 12 =$52,244.28

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  772 Rep FICO

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 20 yrs in the same profession
0230475205 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 21 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 720; Borrowers credit score is 806.
0944927983 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 Final CD XXX Closing Costs financed (paid from you loan amount) value is $4038.03. Review calculates total to be $3,402.60. Difference is POCs of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since December 2012.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3844.01 x 12 =$46,128.12; Verified reserves $852,303.66.PCL reserves verified $40,693.21.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 which exceeds minimum score required of 720 by 84 points.
0679234559 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and CD: XXX-Other Costs, recording fees not itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 26.08% below maximum allowed of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  91.33 months PITI reserves; 12 months PITI reserves required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 74mos maximum required 12mos
0660578274 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.53% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post-closing reserves of $49,719.65  Required reserves is $32,747.76  ($2728.98x12).
0324689931 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. Missing verification of rent payment history, in the amt of $3823, for Jan '19, Feb '19 and Mar '19.    4.9.19 - Client responded. Notification Start Date (NSD) for this loan transaction was XX/XX/XXXX. An acceptable VOR was obtained to reflect 32 consecutive payments paid as agreed from 5/2016 -12/2018. VOR attached. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 15 yrs in same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.43% DTI

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50% LTV
0324689931 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 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX 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:  B1 has 15 yrs in same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.43% DTI

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50% LTV
0324689931 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 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 rent payment history, in the amt of $3823, for Jan '19, Feb '19 and Mar '19.    4.9.19 - Client responded. Notification Start Date (NSD) for this loan transaction was XXX. An acceptable VOR was obtained to reflect 32 consecutive payments paid as agreed from 5/2016 -12/2018. VOR attached. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 15 yrs in same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.43% DTI

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50% LTV
0819039502 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 for 12.95 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.37% LTV is 24.63% below the maximum allowed LTV of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.14% LTV is below the maximum allowed LTV of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  419.82 months PITIA reserves; 12 months required.
0641985272 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B C B D A A A D B C 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 4.18.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $98,724.97 or 15.98 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guideline score of 720
0641985272 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B C B D A A A D B C B D A A A Credit Application Active C B C B CRDAPP131 Occupancy status not supported by file documentation No Original exception cancelled as it was under property values and this should be a credit exception: Approved lender exception for delayed occupancy. Seller leasing property from borrower for 120 days from closing. Compensating factors include borrower  moving from XXXX sf to XXXX sf, high residual income, and a low DTI of 32%. XXXX has reviewed and determined the exception to be non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $98,724.97 or 15.98 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 exceeds guideline score of 720
0912592325 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 803 exceeds guideline requirement of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 30 years
0736929840 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 mid FICO 760 exceeds minimum FICO 720 by 40 points

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Current mortgage paid as agreed for 43 months exceeds minimum guideline of 12 months.
0769639202 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 The loan file is missing the signed pages of the 2017 and2016 1040 self prepared tax returns in the loan file 4.10.19 Lender response - "Signed pages of 2017 and 2016 1040s were not required. Tax returns were not used to verify qualifying income, only W-2s and paystubs. 4.10.19 Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Review DTI of 34.24%  is below maximum 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 793 exceeds minimum requirement of 680 for purchase transactions up to $2,000,000.
0769639202 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 The loan file is missing the signed pages of the 2017 and2016 1040 self prepared tax returns in the loan file 4.10.19 Lender response - "Signed pages of 2017 and 2016 1040s were not required. Tax returns were not used to verify qualifying income, only W-2s and paystubs. 4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Review DTI of 34.24%  is below maximum 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 793 exceeds minimum requirement of 680 for purchase transactions up to $2,000,000.
0769639202 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 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing evidence XXX account XXX is closed to further draws.  Borrower explanation and proof of $0.00 balance are in file, but proof account is closed is not included. 04.10.19 Lender response - In the delivered PDF please see page 416 which explains how and when the HELOC was paid off. Also see page 827 which is a receipt from XXX showing 0 balance, 0 available balance and 0 amount due. Attached find the Title Policy which shows no open HELOC with XXX. The HELOC loan was for the departing residence and was closed out when the departing home was sold. 04.10.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Review DTI of 34.24%  is below maximum 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 793 exceeds minimum requirement of 680 for purchase transactions up to $2,000,000.
0791201262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value of $XXXXXX. 3.8.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in their  Current  Residence for 15.34 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 15.00 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  823  exceeded the guideline requirement of  680  by  143  points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0791201262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Value Satisfied 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.   3.21.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of XXXXXX. 3.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in their  Current  Residence for 15.34 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 15.00 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  823  exceeded the guideline requirement of  680  by  143  points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0860172277 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 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:Borrowers have verified $935,406.10 effective assets of $827,983.60 per final CD, borrower funds required for closing was $359,238.75 ; post-closing reserves of $468,744.85 or 54.04 months PITI; per guidelines, 12   months PITI reserves required or $104,079.48.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The minimum required credit score is 680.  The borrowers qualifying credit score is 807.
0197319943 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B 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 9 months renting at departing residence. 3.18.19 - Client responded. XXX transaction history and credit report attached to verify consecutive 12-month history of housing payments. Borrower was a homeowner prior to renting in June, 2018.   3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.
0197319943 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   3.25.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 10 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.
0800500919 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:  8 years on current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 Credit Score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $38,684Verified Assets $94,626
0069534804 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 dated XX/XX/XXXX, application date XX/XX/XXXX. 4.2.19 - Client responded. Disagree.   Property address and last piece of information for Reg Z application added XXXXXX.  LE issued XXXXXX within required time frame.  No timing violation. See attached Loan Notes History" 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 52.89% is below guideline requirements.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived  at current residence for 13 years.
0069534804 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,  application date XX/XX/XXXX. 4.2.19 - Client responded. Disagree.   Property address and last piece of information for Reg Z application added XXXXXX.  LE issued XXXXXX within required time frame.  No timing violation. See attached Loan Notes History" 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 52.89% is below guideline requirements.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived  at current residence for 13 years.
0069534804 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  TRID Application Date, XX/XX/XXXX LE: XX/XX/XXXX, :Date Issued, XX/XX/XXXX. 4.2.19 - Client responded. Disagree.   Property address and last piece of information for Reg Z application added XXXXXX.  LE issued XXXXXX within required time frame.  No timing violation. See attached Loan Notes History" 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 52.89% is below guideline requirements.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived  at current residence for 13 years.
0082874424 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 Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No XXX savings account #XXX has a Teller deposit of $214,598.99 on 12/14/18.  Please submit evidence of the source of this deposit. 4.9.19 - Client responded. Deposit of $214,598.99 on 12/14/18 was the net pay from the borrower's $440k annual bonus. Underwriting notes and two pay statements attached. Notice on pay statement 11/30/18 there was no bonus reflected and on pay statement 12/14/18 (check date) there is a $440k bonus. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 exceeds guideline by 117 points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.49% below guideline of 80% by 22.51%.
0769959760 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 Finance charge understated by $105.00. Tested PC CD XXX, exception remains. PCCD dated XX/XX/XXXX corrects error. Exception satisfied.   (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is 720, borrower qualifying score is 800

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum score allowed is 43%, borrower current DTI is 31.72%
0769959760 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 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD: XXX-1 [Last CD], Section: Loan Calculations, Field: Amount Financed, Value: $452369.66 and Field: Amount Financed as Calculated, Value: $452264.66. A difference of $105.00. Tested PC CD XXX, exception remains. PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is 720, borrower qualifying score is 800

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum score allowed is 43%, borrower current DTI is 31.72%
0769959760 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No 1.CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $9037.76 and , Field: Clayton Calculation, Value: $8507.33. Values does not match.2.PC CD: XXX-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $12766.03 and  Field: Clayton Calculation, Value: $12235.60. Values does not match. Difference is POC's of $530.43. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is 720, borrower qualifying score is 800

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum score allowed is 43%, borrower current DTI is 31.72%
0769959760 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 Recording fee increased from $139.7 on LE XX/XX/XXXX to LE XX/XX/XXXX $281 borrower paid. Please provide PCCD with cure for $141.30 total of 10% for recording fee. 2.15.19 - Client responded.Agree:  LE issues on XX/XX/XXXX and executed by borrowers on XX/XX/XXXX, disclosed Recording fee of $127.  No valid changed circumstance in file for increase to $281 on consummation CD.  Fee tolerance refund of $141.30 required to remedy defect.  Revised CD, LOX to borrower, and evidence of delivery.  Remediation requested.4.29.19 - Client responded. See PC CD, Refund Check, and LOX. PCCD dated XXX provided with LOX to borrower and copy of check to borrower for refund of $141.30.   2.15.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is 720, borrower qualifying score is 800

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum score allowed is 43%, borrower current DTI is 31.72%
0769959760 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No Lender exception approved noted on Underwriting Decision Summary for Cash Out with original purchase less than 90 days on primary residence (subject purchased on XXX for $XXX with an unsecured loan from borrowers parents).  Borrower started new employment and relocated from WA to CA.  Parents are being paid off directly through this transaction.  Offsets: demonstrated the ability to save and has strong PCL, Low DTI ratios and minimal use of revolving debt with excellent credit management history.  Considered non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is 720, borrower qualifying score is 800

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum score allowed is 43%, borrower current DTI is 31.72%
0198586830 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B 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) Missing required Year End 2018 Balance Sheet statement. Per guides statements may be waived however still required per Appendix Q.2) Provide verbal verification of business for both borrowers. 4.9.19 - Client responded. 1- No year-end 2018 balance sheet was obtained. The partnership (XXX) is just a vehicle for the investment property located at XXX.  2- Verification of business, XXX for both borrowers attached (see HPD Registration, page 2). XXX NY is a 2 unit property owned by XXX.    4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for seven years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 790.
0198586830 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B A D A D A Credit Assets Satisfied B A B A CRDAST2670 Asset documentation is insufficient per guideline requirements No Provide legible gift funds letter for $100,000. 4.9.19 - Client responded. Gift Letter attached. Once the document has been opened, enlarge (zoom) to increase legibility. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for seven years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 790.
0198586830 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B A D A D A Credit Income/Employment Satisfied B A B A CRDINC2488 Verbal verification of employment missing No Provide verbal verification of business for both borrowers for the partnership. 4.9.19 - Client responded. Verification of business, XXX for both borrowers attached (see HPD Registration, page 2). XXX NY is a 2 unit property owned by XXX 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for seven years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 790.
0198586830 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B 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. 4.4.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for seven years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 790.
0029195744 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.97% DTI below max 43% allowed

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 15 years.
0104071172 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 Final CD XXX Closing Costs financed (paid from you loan amount) value is $19626.39. Review calculates total to be $18931.39. Difference is POCs of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for over 38 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned subject property for over 22 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers DTI 35.39%,  Max is 43%
0771827525 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 borrowers representative credit score is 759.  Minimum credit score required is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has 25 years in profession.
0856521418 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. 5.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $353,095.71 or 80.02 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same profession 23 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 12.75 below guideline requirement of 43% by 30.25%
0697624312 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D A B B D B B B D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX 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. Calculation is off by $610.43 the amount of closing cost paid out of closing. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 10.04 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10.87 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 45.14% is 34.86% less than required 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 22.94% is 20.06% less than required 43%.
0697624312 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 Approved Lender exception for Credit score OF 677 below guidelines of 680. Compensating factors include borrower has been employed since 12/0108 and in the line of work for 15 years, residual income $17,455 min residual requirement $4,500.00, DTI 22.66% HDI 15.94% Max 45%, PCL requirement  12 * $3597.54= $43,170.00 actual PCL- Months 21 amount $77,601.00.Clayton deems this non- material (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 10.04 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10.87 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 45.14% is 34.86% less than required 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 22.94% is 20.06% less than required 43%.
0697624312 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. 3.7.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 10.04 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 10.87 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 45.14% is 34.86% less than required 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 22.94% is 20.06% less than required 43%.
0409265771 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:  806/809 Credit Scores.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves  $215,757.59 or 32.95 months PITIA, guidelines required 12 months PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 5.90 years.
0380589001 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 below guide line requirement at 37.48.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guide lines at 257 months PITI.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with 17 years on current job.
0080798826 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:  Time on job = 28 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 35 years
0443812837 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 with current employer for over 9 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is at 23.67% and Max is 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68.55% and Max is  90 %
0338774292 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. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in their current profession for 30 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 761.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is 18.57%, which is 24.43% less than guideline max of 43.0%.
0088048598 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 Provide supporting documentation evidencing full PITIA for the following: 1. XXX : Missing HOI verification as reflected on final 1003 1.21.19 - Client responded. Missing HOI verification for property XXX (non-subject) as reflected on the final 1003 attached. 1.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  20.01% LTV is  below max 70% per guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative FICO exceeds minimum 720 required per guidelines.
0088048598 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Addressed in CMPROR2330. Disbursement Date on Final CD XXX is disclosed as XXX. Due to loan closing XXX earliest calculated Disbursement Date is XXX. Please provide LOE, Post Close CD Correcting Disbursement Date, Re-open Rescission for all with rights and provide new ROR forms. 1.17.19 - Client responded. Agree. File evidence indicates funds disbursed on XXX. Right to Cancel expired midnight XXX. Disbursement date on Closing Disclosure is clerical error. Funds did not disburse prior to rescission end date. No RTC violation. Requesting revised CD and LOX to borrower correcting disbursement date and interest start date. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX 1.17.19 - Exception remains. 4.29.19  Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  20.01% LTV is  below max 70% per guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative FICO exceeds minimum 720 required per guidelines.
0088048598 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement Date on Final CD XXX is disclosed as XXX. Due to loan closing XXX earliest calculated Disbursement Date is XXX. Please provide LOE, Post Close CD Correcting Disbursement Date, Re-open Rescission for all with rights and provide new ROR forms. 1.17.19 - Client responded. Agree. File evidence indicates funds disbursed on XXX. Right to Cancel expired midnight XXX. Disbursement date on Closing Disclosure is clerical error. Funds did not disburse prior to rescission end date. No RTC violation. Requesting revised CD and LOX to borrower correcting disbursement date and interest start date. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 1.17.19 - Exception remains. 4.29.19  Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  20.01% LTV is  below max 70% per guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative FICO exceeds minimum 720 required per guidelines.
0088048598 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 2024.44 CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 1329.44 - Difference of 695.00 POC. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  20.01% LTV is  below max 70% per guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative FICO exceeds minimum 720 required per guidelines.
0088048598 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 Provide supporting documentation evidencing full PITIA for the following: XXX : Missing HOI verification as reflected on final 1003. 1.21.19 - Client responded. HOI verification for property XXX (non-subject) attached. Hazard Insurance $1074/12 = 89.50 1.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  20.01% LTV is  below max 70% per guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative FICO exceeds minimum 720 required per guidelines.
0700393663 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. 4.1.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.1.19 - Exception satisfied (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  10 Years with the same employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  778/772 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  71 months of mortgage payments made as agreed.
0867868569 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 1) Missing 2016 1040s all pages and schedules ( employer paid retirement requires 2 years tax returns, page 114 and 115 in guidelines) 3.25.19 - Client responded. Income verification used to meet retirement guidelines to include 2019 Notice of Annuity Adjustment, 2016 and 2017 1099-R's, 2017 1040 tax returns and bank transcript (reflecting most recent 2 months) indicating the automatic deposit (attached). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in home over 13 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job over 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.26%. maximum DTI is 43%
0867868569 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 Final CD XXX Calculation Cash to Close section financed amount is off by $ 15.43 the amount of closing cost paid before closing. Lender has $7973.97 actual calculation is $7958.54 (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in home over 13 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job over 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.26%. maximum DTI is 43%
0867868569 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1) Missing 2016 1040s all pages and schedules ( employer paid retirement requires 2 years tax returns, page 114 and 115 in guidelines)2) Missing the IRS 4506-T form that was executed at closing. 3.25.19 - Client responded. 1- Income verification used to meet retirement guidelines to include 2019 Notice of Annuity Adjustment, 2016 and 2017 1099-R's, 2017 1040 tax returns and bank transcript (reflecting most recent 2 months) indicating the automatic deposit. 2- IRS 4506-T form executed at closing attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in home over 13 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job over 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.26%. maximum DTI is 43%
0050666584 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8071.03CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 7548.60. Difference is POC's of $522.43. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified $716,003.48 after closing; 12 months reserves required (3520.95*12 = $42251.40); 203.36 months reserves verified

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 57.80%; max 80% per guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO 808; minimum per guidelines 680
0749155980 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:  Rep FICO 778

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.13% DTI below guideline requirement of 43%
0932091997 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 XXX-1 Calculating Cash to Close Section, Closing Costs Financed is $5735.54, calculates as $5213.11. POC fees for  522.43 included. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 6 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 29 years and Co-borrower has been in same profession for 36 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for over 19 years
0932091997 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 D A D A CRDINC2408 Income verification does not meet guidelines No Co-Borrower pay stub  and W-2's were not legible and Borrower's W-2's were not legible. 4.3.19 - Client responded. Legible paystubs & W-2's attached (2 attachments). Once the document has been opened, enlarge (zoom) to increase legibility if necessary. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for over 6 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 29 years and Co-borrower has been in same profession for 36 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for over 19 years
0051020979 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 worked 18 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.
0631174749 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $25509.38. Review calculates total to be $24960.95. Difference is POCs of $548.43. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The borrowers DTI is 17.02%.  Maximum DTI per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The borrowers LTV is 52.32%.  Maximum LTV per guidelines is 80%.
0536548176 XXXXXX CT 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 loan file is missing proof that the monthly mortgage payment with XXX contains escrows (properties taxes and homeowners  insurance)  for the departing residence at XXX with a monthly payment of $3722.   3.29.19 - Client responded. Proof the monthly payment of $3722.27 with XXX contains escrows for the departure residence at XXX attached. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgages in the past 24 months

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 have been on the same profession for 28 years

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  No late consumer payments in the past 24 months
0536548176 XXXXXX CT 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 proof that the monthly mortgage payment with XXX contains escrows (properties taxes and homeowners  insurance)  for the departing residence at XXX with a monthly payment of $3722.   3.29.19 - Client responded. Proof the monthly payment of $3722.27 with XXX contains escrows for the departure residence at XXX attached. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgages in the past 24 months

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 have been on the same profession for 28 years

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  No late consumer payments in the past 24 months
0636090091 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD did not include the following seller paid fees. Section Other cost C, Title- Notary, state tax $ 7,999, and section H. 2019 Borough tax $269.42, 2019 County Tax $172.58, duplicate Bill fee $26.00, and tax cert $95.00. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $1,338,946.97 or 322.31 months PITI.  18 months PITI required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned current residence 15 years 9 months.
0636090091 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   4.30.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.30.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $1,338,946.97 or 322.31 months PITI.  18 months PITI required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned current residence 15 years 9 months.
0651593161 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Approved Lender exception for use of business funds towards cash to close and PCL.  Compensating factors include:  minimum use of revolving credit, low DTI (18%),  66.93% LTV/CLTV, 805 rep FICO.  XXX considers as non-material based upon compensating factors. (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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided in current residence for 19.48 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.
0651593161 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3124 Loan documents do not meet guideline requirements No Borrower's signed 1003 reflects child support obligations of $800/month. Per guidelines (pg 79), child support payments must be documented with a copy of the court order, such as a divorce decree. Child support payments with less than 10 monthly payments remaining may be excluded from the qualifying ratios. A copy of the court order is required. 4.1.19 - Client responded.  Support Information Sheet filed with XXX on XX/XX/XXXX is attached documenting $800 monthly child support obligation. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided in current residence for 19.48 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.
0220837542 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 762 is 82 points higher than required 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 17.44% is 25.56% less than required 43%.
0171656436 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 verification that primary payment figure of $4,385.00 includes escrows for taxes and insurance. 4.10.19- Lender response. Verification of non-subject PITI for property XXX attached. Monthly payment includes escrow for taxes and insurance.   4.10.19- Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.20% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $349,620.67 .  Required reserves ($3,116.19 x 18 = $56,91.42).
0171656436 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 verification that primary payment figure of $4,385.00 includes escrows for taxes and insurance. 4.10.19- Lender response. Verification of non-subject PITI for property XXX attached. Monthly payment includes escrow for taxes and insurance.   4.10.19- Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.20% is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $349,620.67 .  Required reserves ($3,116.19 x 18 = $56,91.42).
0286343613 XXXXXX LA 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 VVOE dated within 20 business days of NOTE. VVOE in file dated XX/XX/XXXX not within 20 days of Note date XXX (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.54%. Max DTI is 43%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  No previous or current derogatory mortgage pay history
0906205446 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's XXX and PCCD XXX: Section Calculation Cash to Close financed amount is off by $ 635.43 the amount of closing cost paid before closing. Lender has $4558.40 actual calculation is $3922.97 (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have been in primary residence for 39.15 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 35.88% is 34.12% less than required 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO score of 784 is 64 points higher than required 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 39.40% is 3.6% less than required 43%.
0359666760 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:  790/784 Credit Scores.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $88,434.50 = 15 months PITI payments.
0721432570 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 VVOE for schedule C business for co borrower dated with 20 business days prior to Note date 4.10.19 Lender response - No VOE was required for the Schedule C business for co-borrower. Side business appears to be more of a hobby. Minimal loss from 2017 1040 tax returns was accounted for in total qualified income and 2018 P&L (Jan-Dec) obtained only reflects $1016 in gross sales.      4.10.19 Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 80%. The loan closed with an LTV of 50.817%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Reduction in housing expense from $4,414.22 to $4,096.04.
0721432570 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD XXX disbursement date is XXX which is prior to the end of the recession period if XX/XX/XXXX. 4.10.19 - Client Responded - Agree.  Disbursement date and Per diem date are incorrect on CD executed by customers on XXX.  Revised CD with correct dates of XXX to remedy.  Funds disbursed correctly on XXX.5.8.19 - Client responded.  5/07/2019 see attached documentation. PCCD dated XXX with disbursement date of XXX provided to correct error as well as LOX to borrower. 4.10.19 - Exception Remains.5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 80%. The loan closed with an LTV of 50.817%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Reduction in housing expense from $4,414.22 to $4,096.04.
0721432570 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 Credit/Mtg History Satisfied D A D A CRDCRMH183 Credit report incomplete No Missing pages11-24 of credit report. 4.10.19 Lender response- Complete Credit Report attached. 4.10.19 Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 80%. The loan closed with an LTV of 50.817%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Reduction in housing expense from $4,414.22 to $4,096.04.
0721432570 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 VVOE for schedule C business for co borrower dated with 20 business days prior to Note date 4.10.19 Lender response - No VOE was required for the Schedule C business for co-borrower. Side business appears to be more of a hobby. Minimal loss from 2017 1040 tax returns was accounted for in total qualified income and 2018 P&L (Jan-Dec) obtained only reflects $1016 in gross sales.      4.10.19 Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 80%. The loan closed with an LTV of 50.817%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Reduction in housing expense from $4,414.22 to $4,096.04.
0721432570 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 signed 4506 T from closing 4.10.19 Lender response- Executed 4506-T used in loan transaction attached. 4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 80%. The loan closed with an LTV of 50.817%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Reduction in housing expense from $4,414.22 to $4,096.04.
0959857837 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 required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  25 Months PITI reserves exceeds minimum 12 months per guidelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 Credit score exceeds minimum 680 per guidelines
0367441908 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 Affiliated Business Arrangement Disclosure missing. Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has owned his company for 5 years and 8 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $149,518.86.  Reserves required $3539.71 x 12 = $42,476.52.
0229049826 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No (1) Final CD dated XXX with disbursement date of XXX before rescission of XXX 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since February 2011.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since January 1999.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 which exceeds minimum score required of 680 by 126 points.
0229049826 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date is before end of statutory rescission period (1) Final CD dated XXX with disbursement date of XXX before rescission of XXX 4.2.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX is required to cure defect.  Remediation requested5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since February 2011.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since January 1999.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 which exceeds minimum score required of 680 by 126 points.
0229049826 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: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 3409.35(1) Final Closing Cost financed value includes $510.43 cost paid before closing (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since February 2011.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since January 1999.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 806 which exceeds minimum score required of 680 by 126 points.
0217796035 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:  Borrower has 0 late mortgage payments in the last 12  months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.
0400513762 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 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current line of work as XXX for over 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 782 exceeds guidelines requirements.
0675784632 XXXXXX GA 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 Used credit report date as application date XX/XX/XXXX, homeownership counseling disclosure XX/XX/XXXX was not dated within 3 business days for loan application date XX/XX/XXXX. Initial application reflects a print date of XX/XX/XXXX. 4.1.19 - Client responded. Disagree:  Customer was pre-qualified on XX/XX/XXXX; no property or address selected.   XX/XX/XXXX property and address added and Reg B timer re-started.   Initial LE distributed on XX/XX/XXXX within timing requirements.  Address was last piece for Reg Z application.  See attached Loan Notes. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum DTI per guidelines is 43%.  The borrower DTI is 35%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  The minimum required PITIA reserves is 12 months.  The borrower have 33 months PITIA reserves.
0675784632 XXXXXX GA 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 Used credit report date as application date XX/XX/XXXX, initial Service Provider List XX/XX/XXXX was not dated within 3 business days for loan application date XX/XX/XXXX. Initial application date reflects print date of XX/XX/XXXX. 4.1.19 - Client responded. Disagree:  Customer was pre-qualified onXX/XX/XXXX; no property or address selected.   XX/XX/XXXX property and address added and Reg B timer re-started.   Initial LE distributed on XX/XX/XXXX within timing requirements.  Address was last piece for Reg Z application.  See attached Loan Notes. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum DTI per guidelines is 43%.  The borrower DTI is 35%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  The minimum required PITIA reserves is 12 months.  The borrower have 33 months PITIA reserves.
0675784632 XXXXXX GA 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 Used credit report date as application date XX/XX/XXXX, initial LE XX/XX/XXXX not dated within 3 business days for loan application date. Initial application reflects a print date of XX/XX/XXXX. 4.1.19 - Client responded. Disagree:  Customer was pre-qualified onXX/XX/XXXX; no property or address selected.   XX/XX/XXXX property and address added and Reg B timer re-started.   Initial LE distributed onXX/XX/XXXX within timing requirements.  Address was last piece for Reg Z application.  See attached Loan Notes. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum DTI per guidelines is 43%.  The borrower DTI is 35%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  The minimum required PITIA reserves is 12 months.  The borrower have 33 months PITIA reserves.
0695756240 XXXXXX PA 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 stable employment as XXX, XXX with XXX for the past 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has significant time in profession as XXX for the past 30 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  1,786945.62 in total assets documented.  Effective amount is $1,525212.10, with liquid assets of $1525212.10.  Post close reserves are $780,280.77.  Reserves required $75,081.30
0552271591 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:  Median score of  819 exceeds guidelines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Low LTV of 66.93% is below guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage paid as agreed for 65 months.
0841538924 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 is below guide line requirement at 30.71.

CFCFS2860: Good credit history
- Clayton Comments:  borrower has a good history with no recent late payments, and fico score of 775.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has stable professional  employment as XXX  with 7 years on job.
0009866917 XXXXXX SC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $13,642.77. Review calculates total to be $13,006.34. Difference is POCs of $636.43 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years on current job.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 36 month positive mortgage history.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has court ordered child support that is not being used to qualify.
0098175651 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 CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No Provide copy of "unexpired" USCIS I-551/Permanent Resident alien card.   USCIS I-551 form, in file (pg 878), expired on 02.26.2018.  Compensating factors include:  Low DTI of 34.52%,  B1 has 25 years in same profession, 778 FICO.  Clayton considers non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 25 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.52%; guideline maximum is 43%.
0842943920 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 3.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 781. Minimum credit score required 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $82,983.60 reserves required for the subject transaction. Verified $529,180.85 or 10.28 months reserves
0845350432 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years on current job.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 16 year mortgage history with no late payments.
0845350432 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds 4.1.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per final settlement statement, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Requesting remediation 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.1.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years on current job.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 16 year mortgage history with no late payments.
0845350432 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 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Provide VVOE's for both Borrowers dated within 20 business days of closing.  VVOE's dated XX/XX/XXXX. Note date XXX . (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 7 years on current job.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 16 year mortgage history with no late payments.
0645842944 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  borrower's midscore of 789 exceeds guideline requirement of 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has no mortgage lates on departing residence.  39 month rating.
0060663276 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE for B1 datedXX/XX/XXXX and for B2 dated XX/XX/XXXX is not within 20 business days of Note date XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.36% DTI; program max 43% DTI

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  84 months 0x30; Requirement 12 months
0218852011 XXXXXX DC 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 note from subject transaction 4.1.19 - Client responded.  Copy of executed note in the amount of $XXXXXX attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 64.20 is 20.8% below guideline maximum of 85%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 745 is 25 points above required score of 720.
0218852011 XXXXXX DC QM: Safe Harbor QM: Safe Harbor D B D B A A D B D B D B A A D B Compliance Documentation Satisfied D A D A CMPDOC195 Missing Note No The Note is missing from the loan file.  Client must provide the missing note. 4.1.19 - Client responded.  Copy of executed note in the amount of $XXXXXX attached 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 64.20 is 20.8% below guideline maximum of 85%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 745 is 25 points above required score of 720.
0218852011 XXXXXX DC 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: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $12002.67 and Clayton Calculation, Value: $11811.92. Values does not match. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 64.20 is 20.8% below guideline maximum of 85%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 745 is 25 points above required score of 720.
0218852011 XXXXXX DC QM: Safe Harbor QM: Safe Harbor D B D B A A D B D B D B A A D B Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Approved Lender Exception for short 3 months PCL; exception made due to low DTI and LTV/CLTV, $14,000 in residual, good job stability, as well as satisfactory mortgage payment history and debt consolidation. Clayton has reviewed and determined exception is non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 64.20 is 20.8% below guideline maximum of 85%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 745 is 25 points above required score of 720.
0218852011 XXXXXX DC QM: Safe Harbor QM: Safe Harbor D B D B A A D B D B D B 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 evidence to support current HELOC with XXXXXX has been closed to future draws. 4.1.19 - Client responded.  Loan Closing Instructions to title dated XX/XX/XXXX reflect final terms of transaction; no secondary financing was approved by lender.  Executed Closing Disclosure reflects payoff to Statement Department CU for $179,630 and Loan Payoff from State Department FCU includes $75 fee to release the mortgage.  Copy of Closing Disclosure, Loan Closing Instructions and Payoff Statement attached.4.1.19 - Clayton has reviewed; documents provided do not reflect HELOC removed from title and actually closed versus just being paid off. Please provide final title or signed HELOC letter by borrower authorizing to close. 4.22.19 - Client responded. Providing copy of Title Policy reflecting no secondary financing 4.1.19 - Exception remains. 4.22.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 64.20 is 20.8% below guideline maximum of 85%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 745 is 25 points above required score of 720.
0682905211 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 File missing initial CD only final of XXX in file. Disclosure master data sheet reflects a CD dated XXX was sent to borrower but not in file. 3.25.19 - Client responded. Disagree.  Issue date populated incorrectly on initial Closing Disclosure.  The initial Closing Disclosure was provided on XXX, not XXX.  Document date is in the footer.  See attached copy of origination system Documents and Packages page and initial Closing Disclosure. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in same profession for 19 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 6 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at subject property for 13 years.
0480291837 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance 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 signature on P&L statement on statement and on Balance Sheet provided as required per guidelines. Lender approval states that the CPA verbally verified that CPA completed the P&L and Balance sheet but no documentation was provided. Both documents required by QM. 3.29.19 - Client responded. Underwriting notes attached to document P&L and Balance Sheet CPA prepared. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 796 exceeds minimum 720 for cash-out refinances to $2 million.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total verified reserves of $219,251.19 include $67,046.66 liquid which exceeds requirement of $58,145.52 ($4,845.46 PITI x 12 months).
0480291837 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13988.22CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 13352.79. Difference is POC's of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 796 exceeds minimum 720 for cash-out refinances to $2 million.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total verified reserves of $219,251.19 include $67,046.66 liquid which exceeds requirement of $58,145.52 ($4,845.46 PITI x 12 months).
0480291837 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No Final LE XX/XX/XXXX Section: Calculating Cash To Close, Estimated Closing Costs Financed (Paid from your Loan Amount) was stated as a negative $-14419 (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of 796 exceeds minimum 720 for cash-out refinances to $2 million.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total verified reserves of $219,251.19 include $67,046.66 liquid which exceeds requirement of $58,145.52 ($4,845.46 PITI x 12 months).
0506366892 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 Appraisal date of 11/20/2018, no inspection since the XX/XX/XXXX Fema Disaster with Declaration dated (post inspection) of XX/XX/XXXX. 3.12.19 - Property Inspection provided and no damage. 3.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Loan score of 795 exceeds minimum required score of 720 by 75 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for 11+ years.
0918646149 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 16 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Minimum credit score per guidelines is 680, borrower has a 781 which is 101 points above the guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Minimum DTI per guidelines is 45%, borrower has a 34.71% which is 10.29 points below the guideline requirement.
0203292141 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 CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close  Section: Closing Costs Financed - Final, Value: $25,662.81 does not matchThe review's Calculation, Value: $24,967.81.  Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX-XXX for 15 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 46.86% is below guideline requirement of 80.00%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrowers positive K1 income documented over two years not used in ratios.
0439060239 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 CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Right of Rescission expiration is XX/XX/XXXX, C.D. XXX- 2 shows disbursement date as XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  16.17 years in current profession per application.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  73.54%.  Max allowed is 80%.
0757778698 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 XXX Closing Costs financed (paid from you loan amount) value is $6665.11. Review calculates total to be $5970.11. Difference is POCs of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  729 Credit Score is 29 points higher than required minimum of 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $49,980Verified Assets $97,933.43
0946404504 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 1. Missing verification of taxes for REO property on XXX.2. B1 Bonus income used in qualifying income.  2 year history of receipt of bonus income not documented.  2018 bonus income of $25,000 is documented.  Provide proof of 2 year history of receipt of bonus income supporting $2083.33/month. 4.1.19 - Client responded.  Lender guidelines state periods of bonus income received less than two years may be acceptable provided decisioner can justify using the income for qualifying.  Compensating factors in addition to those noted by XXX include reduction in housing expense and additional income not used to qualify.  2018 bonus income documented on 12/31/2018 paystub and 2017 W-2 supports additional income received based on start date of 3/1/2017 (verified per verbal VOE dated XX/XX/XXXX). Copy of paystubs, W-2 and verbal VOE attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3585.50 x 12 =$43,026.  Verified reserves $81,884.87. Excess reserves $38,858.87. PCL reserves $52,235.89 - 3335.49 cash to close = $48,900.40

CFCFS2860: Good credit history
- Clayton Comments:  Borrower do not have any adverse credit reporting on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 752 which exceeds minimum score required of 680 by 72 points.
0946404504 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 DTI Satisfied B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of taxes for REO property on XXX.  Compensating factors include 35.92% DTI, 22 months reserves, $9,762.24 residual income.  XXX considers non-material based on compensating factors.     4.1.19 - Client responded.  XXX- shows current annual property taxes for XXX are $3,694.33.  Copy of website printout attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3585.50 x 12 =$43,026.  Verified reserves $81,884.87. Excess reserves $38,858.87. PCL reserves $52,235.89 - 3335.49 cash to close = $48,900.40

CFCFS2860: Good credit history
- Clayton Comments:  Borrower do not have any adverse credit reporting on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 752 which exceeds minimum score required of 680 by 72 points.
0946404504 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 CRDINC3204 Income Documentation Missing No B1 Bonus income used in qualifying income.  2 year history of receipt of bonus income not documented.  2018 bonus income of $25,000 is documented.  Provide proof of 2 year history of receipt of bonus income supporting $2083.33/month.  Compensating factors include 35.92% DTI, 22 months reserves, $9,762.24 residual income.  XXX considers non-material based on compensating factors.     4.1.19 - Client responded.  Lender guidelines state periods of bonus income received less than two years may be acceptable provided decisioner can justify using the income for qualifying.  Compensating factors in addition to those noted by XXX include reduction in housing expense and additional income not used to qualify.  2018 bonus income documented on 12/31/2018 paystub and 2017 W-2 supports additional income received based on start date of 3/1/2017 (verified per verbal VOE dated XX/XX/XXXX). Copy of paystubs, W-2 and verbal VOE attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $3585.50 x 12 =$43,026.  Verified reserves $81,884.87. Excess reserves $38,858.87. PCL reserves $52,235.89 - 3335.49 cash to close = $48,900.40

CFCFS2860: Good credit history
- Clayton Comments:  Borrower do not have any adverse credit reporting on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 752 which exceeds minimum score required of 680 by 72 points.
0439410794 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 Missing copy of permanent resident alien card required for B2. 3.14.19 - Client responded. A copy of the permanent resident alien card is only  required  if their income is being used . For this loan B2  income is not being used to qualify so this document is not required for b2 only for B1. 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.66%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 47.79%. Max LTV for this program is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 208 months cash reserves.
0060890093 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $6811.25. Review calculates total $6300.82.  Difference is POCs of $510.43.   (No Data) (No Data) Numeric Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Both Borrowers have a 0x30; 74 month mortgage history review.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 22.34%; max allowed DTI per guidelines is 40%.
0060890093 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 Credit/Mtg History Active C B C B CRDCRMH104 Credit score below guidelines No Lender approved exception as the qualifying credit score is 713. Minimum required credit score for a single family cash out refinance is 720. Compensating factors include 25% max DTI , LTV/CLTV 60% opposed to max 70% LTV/CLTV allowed, PCL is $40,074.00, DTI is 22.34 vs max 40%, 19 mos PITI with reserves of 64,029.57 vs. 12 months required and residual income of $13,917.29 vs $750 required.  Clayton has reviewed and determined the exception to be non material based on compensating factors. 4.10.19- Lender response:  LVAM approved exception - 20 point loan score variance (680 min). Exception approved under the PCO delegated authority.     4.10.19- Exception remains. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Both Borrowers have a 0x30; 74 month mortgage history review.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 22.34%; max allowed DTI per guidelines is 40%.
0794486022 XXXXXX TX 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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current home for 9.13 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $177,404.06. Reserves required $4197.82 x 12=$50,373.84.
0565256089 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Rescission date per ROR form is XXX, the final CD disbursement date is XXX before end of statutory rescission period. PCCD is required with corrected disbursement date of XXX or LOX, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery. 4.5.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Requesting Remediation. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.5.19 - Exception remains. 4.29.19  Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 qualifying score. Min required per guidelines is 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0854712003 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 Verification of business not within 30 days of note. Business license dated XX/XX/XXXX not within 30 days of note date XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.35% DTI below max 43% allowed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post-closing funds in the amount of $301,235.51 @ 81.23 PITA reserves months.
0393640754 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 the HOA for XXX property. Lender to provide documentation to verify monthly HOA dues not more than $320.00 per month. 3.20.19 - Client responded. Verification of monthly HOA dues in the amount of $320 for XXX property attached (page 3). 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.06%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  101.81 months PITI reserves verified, max per guidelines is 6 months
0393640754 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 RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure was not provided in the supporting documents in the file (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.06%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  101.81 months PITI reserves verified, max per guidelines is 6 months
0393640754 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 the HOA for XXX property. Lender to provide documentation to verify monthly HOA dues not more than $320.00 per month. 3.20.19 - Client responded. Verification of monthly HOA dues in the amount of $320 for XXX property attached (page 3). 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.06%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  101.81 months PITI reserves verified, max per guidelines is 6 months
0429966453 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D 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 $936.66. CD XXX disclosed finance charge as $373,596.12, review calculates finance charge to be $374,532.78. The following fees were applied towards APR: $100.00 processing, $80.00 Tax Service, $600.00 Title - Closing/Escrow, 100.00 Title Courier, $45.00 Title Courier 2, $95.00 Title Sub Escrow, $15.00 Title - Recording Service, $1,073.69 prepaid interest,  $30.00 Title Wire transfer, and $25.00 Title Wire transfer 2. Additionally, tested PCCD XXX did not cure finance charge under disclosure. Requires fee itemization, and/or corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping. 3.19.19 - Client responded. Disagree.  XXX appears to have utilized a preliminary CD \ (XXX Time Stamp) as the consummation CD (008).  In addition, XXX incorrectly tested the initial CD as a PC CD because the issue date on this CD for XXX is incorrect (XXX Time Stamp 001). Finance Charge is within Tolerance - CD XXX 008 disclosed finance charge as $373,596.12, review calculates finance charge to be $373,596.08. The following fees were applied towards APR: $100.00 processing, $80.00 Tax Service, $27.50 Title - Archive Fee, $600.00 Title - Closing/Escrow, $40.00 Title Courier, $45.00 Title Courier 2, $95.00 Title Sub Escrow, $15.00 Title - Recording Service, $169.53 prepaid interest,  $30.00 Title Wire transfer, and $25.00 Title Wire transfer 2. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.98%, max per guidelines is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.05%; max allowed per guidelines is 70.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  91.22 months PITI reserves verified, max per guidelines is 12 months
0429966453 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance Right of Rescission Active B B B B CMPROR115 ROR - date changes must be acknowledged/initialed by borrower No The date changes on the ROR are not initialed by the borrower only by co-borrower. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.98%, max per guidelines is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.05%; max allowed per guidelines is 70.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  91.22 months PITI reserves verified, max per guidelines is 12 months
0429966453 XXXXXX CA 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 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No PCCD XXX loan costs, section B is missing payee names.Requires corrected PCCD, LOX and copy of shipping. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.98%, max per guidelines is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.05%; max allowed per guidelines is 70.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  91.22 months PITI reserves verified, max per guidelines is 12 months
0429966453 XXXXXX CA 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 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 Refers to all CDs: Closing Costs Financed (paid from your loan amount value) does not match reviews calculation. PCCD XXX value disclosed as -$11,773.49; review calculates value to be $11,138.06. Difference is POC of $635.43.   3.18.19 Lender provided PC CD dated XXX that corrects finance charge understatement 3.19.19 Upon further senior review Exception Satisfied Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.98%, max per guidelines is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.05%; max allowed per guidelines is 70.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  91.22 months PITI reserves verified, max per guidelines is 12 months
0429966453 XXXXXX CA 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 Missing evidence the XXX  has been closed to future draws. Payoff and close in file not signed by borrowers. 3.14.19 - Client responded. See attached Title Policy showing no 2nd mortgage on property and final Closing Disclosure showing 2nd mortgage paid. 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.98%, max per guidelines is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.05%; max allowed per guidelines is 70.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  91.22 months PITI reserves verified, max per guidelines is 12 months
0237576015 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 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower needs 39,102 in reserves, borrower has $73,021

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score is 804
0891926995 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 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 $957.00 zero tolerance due to not disclosing borrower paid city transfer taxes within 3 days of initial disclosures XX/XX/XXXX. Per sales contract, the buyer and seller are to split city transfer fee. As such, this was a known fee to be passed onto the borrower on initial LE XX/XX/XXXX. However, the city transfer fee was not disclosed until 5 days later on LEXX/XX/XXXX.Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 3.13.19 - Client responded. Disagree. Date of knowledge XX/XX/XXXX system was updated and LE was disclosed on XX/XX/XXXX which is within 3 days of date of knowledge. Attached screenshot of receipt of purchase agreement as well as change circumstance notes. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 19 years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $927,791.41 exceed guideline requirement.
0891926995 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 Assets Active B B B B CRDAST206 Asset Amounts Are Unsupported by Documentation in File No Missing pages 2 and 3 for XXX account number XXX for November and December 2018 statements. XXX considers 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 significant time of 19 years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $927,791.41 exceed guideline requirement.
0891926995 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 PDA to support original appraised value. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 19 years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $927,791.41 exceed guideline requirement.
0798243774 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:  Qualifying credit score of 795 exceeds required score of 700 by 95 points.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $438,315.36 which exceed reserves required $3,880.92 x 12=$46,571.04.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.02% is 24.98% below the maximum allowed DTI of 43%.
0191598563 XXXXXX WI 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 at current job

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0X30 for 229 months on Mortgages and Trade lines.
0509746224 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 CD XXX Closing Costs financed value is $5826.74. System calculates total to be $4170.31. Difference is POCs of $1656.43. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 57.27% below guideline requirements max 70%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27% below guideline requirement
0230628449 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 VVOE for XXX business. 4.1.19 - Client responded.  Lender guidelines state the underwriter must verify XXX at the time loan is decisioned using various resources available.  Loan notes dated XXXXXX state the underwriter performed a Google search and stipulated for additional business bank statements to support the Google search data.  Copy of loan notes along with business bank statements attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified funds post-closing in the amount of $344,116.24 (39.24 Months PITIA).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 FIOC exceeds minimum 720 required.
0230628449 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 CRDINC2488 Verbal verification of employment missing No Missing VVOE dated within 30 days of NOTE for co-borrower XXX (business search, etc). 4.1.19 - Client responded.  Lender guidelines state the underwriter must verify XXX at the time loan is decisioned using various resources available.  Loan notes dated XXXXXX state the underwriter performed a Google search and stipulated for additional business bank statements to support the Google search data.  Copy of loan notes along with business bank statements attached. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified funds post-closing in the amount of $344,116.24 (39.24 Months PITIA).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 FIOC exceeds minimum 720 required.
0139729047 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated XXX and Final CD dated XXX- the Closing Costs Financed included the amount borrower paid prior to closing - $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  69 Months PITI reserves exceeds minimum per guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.05% DTI is below 43% per guidelines.
0751033574 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:  805 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 22.94%, max per guidelines is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10  years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $535902.94  or 81.92 months PITIA, guidelines required 12 months PITIA.
0659338740 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 H8 used on a lender to lender refinance- 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. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX 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, XXX grades the use of an H8 form in a same-lender refinance as a level 2 condition. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for 22 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Guidelines require 12 months reserves. Borrower has 46.38 months PITIA reserves.
0411967934 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. 4.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  56.36 months PITI reserves verified, max per guidelines is 12 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  767 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.85%, max per guidelines is 43.00%.
0807169244 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 VVOE for primary borrower.   4.3.19 - Client responded. VOE attached. Borrower is a XXX with XXX (XXX). 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over 6 years XXX XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  8 years as a XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Less than 50% LTV

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI less than 25%
0807169244 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 CMPTRID4239 TRID - CD: The CD Calculating Cash to Close (Alternative Version) CD column total does not equal its component parts No The Total Payoffs and Payments K in Final section of the Calculation cash to close was not disclosed as a negative (-) number. CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Final, Value: 2011.53CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation - Final, Value: 1575871.73 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over 6 years XXX XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  8 years as a XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Less than 50% LTV

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI less than 25%
0807169244 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 CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 11058.42CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 13069.95. Difference is $2011.53. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over 6 years XXX XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  8 years as a XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Less than 50% LTV

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI less than 25%
0807169244 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 CRDINC2488 Verbal verification of employment missing No Missing VVOE dated within 20 business days of XXX NOTE date. 4.3.19 - Client responded. VOE attached. Borrower is a XXX with XXX (XXX). 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over 6 years XXX XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  8 years as a XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Less than 50% LTV

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI less than 25%
0581995025 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR disbursement date is midnight of XXX and Final CD disbursement date is XXX. Need LOX, CD, proof of delivery and new NORTC to all borrowers. 4.10.19 - Client Responded - Agree.  Rescission ended on XXX and CD reflects XXX disbursement date.  Per settlement statement funds correctly disbursed on XXX. NORTC dates are incorrect.  New NORTC, PC CD with XXX per diem start date, and disbursement date required to remedy. 5.8.19 - Client responded.   5/7/2019 see attached. LOX to borrower as well as PCCD dated XXX reflecting Disbursement date of XXX to correct error. 4.10.19 - Exception Remains.5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 754 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  19 years in the industry. 10 years with the current employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $341,385.28 = 85 months of PITIA.
0581995025 XXXXXX CA 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 Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8216.10CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 8200.67. Difference is POC's of $15.43. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 754 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  19 years in the industry. 10 years with the current employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $341,385.28 = 85 months of PITIA.
0581995025 XXXXXX CA 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 Insurance commitment shows replacement coverage $528440 . Insufficient to cover loan amount $XXXXXX. Provide estimated cost to replace from insurance company to document sufficient coverage. 4.5.19 - Client responded. Replacement cost coverage was verbally verified with the insurance company, which is all that is needed to verify enough coverage.  This was documented in the origination system (CORE), which is acceptable per guidelines. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 754 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  19 years in the industry. 10 years with the current employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $341,385.28 = 85 months of PITIA.
0414172382 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:  Current DTI of 29.85% is below guideline requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having 13 years in his profession.
0835359896 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 Approved Lender exception for, unsecured loan used for down payment. Borrower obtaining $150k unsecured loan from family.  Borrower still putting more than 10% of own funds into transaction. Compensating factors $800k equity in departure residence will use portion of net proceeds to pay back $150k upon sale. 9 and 15 years in profession respectfully, 11 years on job for b2, 29.26% DTI, 63 months reseves, $30,653/mo. residual income. Clayton considers non-material based on compensating factors.   (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $392,795.30 or 63.04 months PITI

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed at current job 11 years
0051024548 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 is 720, borrower has a 784 which is 64 points above the guideline requirement.
0144347950 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX. PCCD required with corrected Disbursement date of XXX. 4.5.19 - Client responded. Agree.  Rescission ended on XXX and CD reflects XXX disbursement date.  Per settlement statement funds correctly disbursed on XXX.  PC CD with XXX per diem start date and disbursement date required to remedy. Remediation Requested 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.5.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $574,190.15.  Reserves equal 134.89  months of PITI reserves and exceed required reserves ($4,256.63 x 12 = $51,079.56).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17.36 is below guideline requirement.
0121847085 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 Missing proof of HELOC payment calculator how payment for new HELOC opened on XX/XX/XXXX was calculated. 3.13.19 - Client responded. XXX Home Equity Agreement and Disclosure Statement attached. Qualifying HELOC payment used in decisioning was $791.50 calculated on full credit line limit, 20-year amortization term at 7.25%. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $396,598.49 in total assets documented.  Effective amount is $269,218.03, with liquid assets of $78,147.35.  Post close reserves are $78,147.35.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI OF 37.67% is  below guideline requirement 43%.
0121847085 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 Application Satisfied B A B A CRDAPP130 Application is incomplete No Application is missing HELOC payment. Per guidelines for XXX HELOC: Calculate as follows.  Full credit line limit  20-year amortization term  Fully indexed rate  (prime + margin) from the note  + 2.00 XXX qualifyingClayton considers non-material based on compensating factors 3.13.19 - Client responded. XXX Home Equity Agreement and Disclosure Statement attached. Qualifying HELOC payment used in decisioning was $791.50 calculated on full credit line limit, 20-year amortization term at 7.25%. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $396,598.49 in total assets documented.  Effective amount is $269,218.03, with liquid assets of $78,147.35.  Post close reserves are $78,147.35.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI OF 37.67% is  below guideline requirement 43%.
0121847085 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 Credit/Mtg History Satisfied B A B A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Missing proof of HELOC payment calculator how payment for new HELOC opened on XX/XX/XXXX was calculated. Clayton considers non-material based on compensating factors 3.13.19 - Client responded. XXX Home Equity Agreement and Disclosure Statement attached. Qualifying HELOC payment used in decisioning was $791.50 calculated on full credit line limit, 20-year amortization term at 7.25%. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $396,598.49 in total assets documented.  Effective amount is $269,218.03, with liquid assets of $78,147.35.  Post close reserves are $78,147.35.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI OF 37.67% is  below guideline requirement 43%.
0121847085 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 CRDTER146 Missing lender's loan approval/underwriting form No Transmittal Summary is missing HELOC payment. Per guidelines for XXX HELOC: Calculate as follows.  Full credit line limit  20-year amortization term  Fully indexed rate  (prime + margin) from the note  + 2.00 XXX qualifyingClayton considers non-material based on compensating factors (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $396,598.49 in total assets documented.  Effective amount is $269,218.03, with liquid assets of $78,147.35.  Post close reserves are $78,147.35.  12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI OF 37.67% is  below guideline requirement 43%.
0905149206 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 CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Lender approved exception for greater than 4 financed properties.  Compensating factors include:  Overall strong borrower profile, XXX asset relationship, strong reserves, strong retirement assets not used to qualify. Stable employment. Low LTV.   XXX considers non-material based upon compensating factor. (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 35 years
0651310767 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 employer for over 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is below guides 43% @ 35.31%.
0133218215 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 XXXT he difference between the adjustments and credits per sections K and L does equal the Adjustments and Other Credits in the Calculating Costs to Close section Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: -7582.22 - $5000 seller credit = $2582.22 (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 796.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower have been in their current profession for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $632,073.58 in reserves, or 92 months subject PITIA.
0762256831 XXXXXX NM QM: Safe Harbor QM: Safe Harbor C B C A A A B B C B C 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 20 years in his profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: Verified assets totaling $373,913.93 minus funds to close per CD dated XXX for $192,690.04 =PCL of $181,223.89 / PITIA = 52 months reserves. Guides require 12 months x $3,481.84 = $41,782.08.
0762256831 XXXXXX NM QM: Safe Harbor QM: Safe Harbor C B C A A A B B C B C A A A B B Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No File is missing the final signed 4506t from closing. Initial 4506t signed by the co-borrower is in file. Per Lender guidelines page 189, All borrowers to execute an IRS form 4506-T at loan closing. If the borrowers filed their tax returns jointly, only one 4506-T is needed. Both borrowers should be listed on the form with only one borrower needing to sign / date the form. 3.08.19 - Client responded. See attached final signed 4506-T from closing. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years in his profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: Verified assets totaling $373,913.93 minus funds to close per CD dated XXX for $192,690.04 =PCL of $181,223.89 / PITIA = 52 months reserves. Guides require 12 months x $3,481.84 = $41,782.08.
0307742274 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 is 788; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Both Borrowers have a 0x30; 29 month mortgage history review.
0442821961 XXXXXX NJ 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 $1385.00  Final CD XXX disclosed F/c as $515,643.23  The review calculated F/C was $517,028.23.  The following fees were applied towards APR: Title Wire Charge $25.00, Title Attorney Fee $1535.00, Title Courier fee $20.00, Title Courier fee $10.00, Prepaid Interest $1986.25  for a difference of $1385.00. Requires corrected PCCD, copy of refund check, reopen of rescission,  LOX and verification of shipping.   4.2.19 - Client responded. Disagree.  Investor included Title - Attorney Fee $1535.00.  This fee is listed in Section H01 as Legal Fee (B) - Personal Rep. $1535.00.  This is the buyer's personal attorney as noted by the "(B)" and is considered a non-APR fee.  The disclosed finance charge $515,643.23 and amount financed $797,781.75 are accurate and within tolerance. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,491,982.18 or 339 months exceed guideline requirement of 12 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.96%  below guideline requirement
0442821961 XXXXXX NJ 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 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No The amount Financed is over disclosed by $1385.00  The final CD dated XXX disclosed the amount financed as $797,781.75.  The review calculated amount financed was $796,396.75 for a difference $1385.00 4.2.19 - Client responded. Disagree.  Investor included Title - Attorney Fee $1535.00.  This fee is listed in Section H01 as Legal Fee (B) - Personal Rep. $1535.00.  This is the buyer's personal attorney as noted by the "(B)" and is considered a non-APR fee.  The disclosed finance charge $515,643.23 and amount financed $797,781.75 are accurate and within tolerance. 4.2.19 - Exception satisfied. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 797 exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,491,982.18 or 339 months exceed guideline requirement of 12 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 12.96%  below guideline requirement
0400585291 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 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Summaries of Transaction section is missing seller credit of $5100 as listed on Seller CD (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer as an XXX for the past 22+ years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.39% is lower than guideline max of 43%
0622069618 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 Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No Missing Mortgage. 3.20.19 - Client responded. See attached Copy of the recorded Mortgage/Deed of Trust. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over 5 years.
0622069618 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 Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Missing $3,555.20 in PCL from non-retirement acct as required by guides; $7426.47 *12 = $89117.64 required reserves , and*50%= only $44,558.82 can come from retirement accts.  Liquid accts provided= $45,320.18-CTC $4,316.56= $41,003.62 reserves from ckg/svgs accts.  Compensating factors include; low DTI of 24.61%, 776 qual score, 15 years in profession, all accts paid as agreed on credit report, $23,913 residual income monthly.  Clayton considers non-material based on compensating factors.      (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over 5 years.
0622069618 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 Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing 2 months consecutive asset statements for XXX. Last full statement in file is dated 12/31/2018 for the savings and checking account used to qualify. 3.25.19 - Client responded. XXX bank transcripts for checking and savings attached to cover periods 11/5/18 - 1/3/19 (60 days). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over 5 years.
0698552292 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 CMPDOC191 Missing Mortgage No Mortgage is missing from file , document in file 1 page marked unofficial , Provide copy of mortgage 4.5.19 - Client responded. See attached final Mortgage/DOT. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$474,290.23 in total assets documented.  Effective amount is $474,290.23, with liquid assets of $474,290.23.  Post close reserves are $107,199.90.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34% below guideline maximum.
0047967891 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:  34.58% DTI is below 43% maximum per guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 26 months PITI reserves
0216727493 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 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 CD XXX Section J Total closing costs 3518.01 , Cash to close table Total closing costs 3536.72. Difference is POC fees of $18.71. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 70% is below guideline requirements of 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 782 exceeds guideline requirement of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below g/l max of 80%
0216727493 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 1) Missing source of large deposit in the amount of $160,000 into XXX 2/19/19 ( Per LOX funds came from XXX printout is not legible) 2) Missing legible copy of XXX#XXX to confirm balance of $51,561.26 and confirm transaction history dated from last statement dated 1/23/19 all large deposits into account over 50% of income must be sourced 3) Missing legible copy of printout for XXX to confirm new balance after funds were liquidated (per UW summ balance is $88,978.21 after liquid Clayton considers non-material based upon compensating factors. Compensating factors include: 29.19% DTI, 70% LTV/CLTV, 782 FICO, residual income of $11,146. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 70% is below guideline requirements of 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 782 exceeds guideline requirement of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70% LTV below g/l max of 80%
0286566787 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 The finance charge is under disclosed by $1474.53. Final CD dated XXX disclosed finance charge as $420692.77, review calculated finance charge to be $422167.30. The following fees were applied towards APR: Prepaid Interest - F $1730.97. Requires corrected PCCD, copy of refund check, reopen of rescission, LOX and verification of shipping. PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 11 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Time on job = 16 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $426,549.81 or 111.90 months PITI reserves.
0286566787 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD: XXX [Last CD], Section: Loan Calculations, Field: AmountFinanced, Value: 584743.56 Field: Amount Financed as Calculated, Value: 583269.03 - Difference of 1474.53. PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 11 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Time on job = 16 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $426,549.81 or 111.90 months PITI reserves.
0746346989 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 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has no history of mortgage delinquency.
0746346989 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8952.58CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 8430.15. Difference is POC's of $522.43. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has no history of mortgage delinquency.
0686694920 XXXXXX NV 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 to very monthly PITI is not more than $3,867 for property XXX. Provide mortgage statement to show monthly PITI is $3,867.Missing documentation to very monthly T&I is not more than $360.41  for property XXX Provide documentation to verify property tax and  homeowners insurance documentation to verify monthly obligation is not more than $360.41. 3.29.19 - Client responded. 1- Documentation to verify monthly PITI of $3867.73 for property XXX attached.  2- Documentation to verify monthly T&I of $360.41 for property XXX attached.    3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798  qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.11%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$282,631.49 in total assets documented.  Effective amount is $282,631.49, with liquid assets of $282,631.49.  Post close reserves are $277,204.52.  Reserves required $5,915.97 x 18 = $106,488
0686694920 XXXXXX NV 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 documentation to very monthly PITI is not more than $3,867 for property XXX. Provide mortgage statement to show monthly PITI is $3,867.Missing documentation to verify monthly T&I is not more than $360.41  for property XXX Provide documentation to verify property tax and  homeowners insurance documentation to verify monthly obligation is not more than $360.41. 3.29.19 - Client responded. 1- Documentation to verify monthly PITI of $3867.73 for property XXX attached.  2- Documentation to verify monthly T&I of $360.41 for property XXX attached.    3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  798  qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.11%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$282,631.49 in total assets documented.  Effective amount is $282,631.49, with liquid assets of $282,631.49.  Post close reserves are $277,204.52.  Reserves required $5,915.97 x 18 = $106,488
0858414917 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 CRDCRMH104 Credit score below guidelines No Approved Lender Exception for Minimum Score Requirement of 680. Qualifying credit score 667. Compensating factors include residual income, RSU income not used in qualifying and minimal credit usage.   (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 22.33%. Maximum DTI allowed for the subject transaction 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $52,249.56 reserves required for the subject transaction. Verified $130,156.92 or 29.89 months reserves
0858414917 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 verification of 4/2018 and 7/2018 previous mortgage payments for XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 22.33%. Maximum DTI allowed for the subject transaction 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $52,249.56 reserves required for the subject transaction. Verified $130,156.92 or 29.89 months reserves
0295179091 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 owned their home for 7 years and 9 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on his job 6 years and 7 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on her jobs 8 years and 7 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $241,463.52/59.51.
0890009231 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 Lender approved exception for borrowers with no prior rental history. Compensating factors of stable job time, residual income, and additional income not used to qualify. Clayton has reviewed and determined the exception to be non material based on Compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 has been employed as a XXX for the past 16.93 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.85% is lower than the guideline maximum of 43%
0363589419 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. 5.22.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 5.22.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 13 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.85% below guideline requirement of 43% by 11.15%
0027491626 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Cosign Costs Financed (paid from your loan amount) value of -$9,079.48 does not match reviews calculations of $8,384.48. Lender included POC fees of $695.00 in calculation. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 815 exceeds guideline requirement of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with currently employer for 24 years , stable employment history

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $702,288.83 in total assets documented.  Effective amount is $432,862.91, with liquid assets of $28,724.03.  Post close reserves are $432,862.91.  Reserves required $3788.91 x 12 = $45,466.92
0027491626 XXXXXX WA 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 $XXXXXX. 3.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 815 exceeds guideline requirement of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with currently employer for 24 years , stable employment history

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $702,288.83 in total assets documented.  Effective amount is $432,862.91, with liquid assets of $28,724.03.  Post close reserves are $432,862.91.  Reserves required $3788.91 x 12 = $45,466.92
0179973642 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 A Desk review was received with a reported value of $XXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXX. A field review has been ordered. 4.1.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The borrower DTI is 23.42.  Maximum DTI per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $290,925.07.  Reserves required $4127.25 x 12 = $49527.
0179910228 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 Tested Post Close CD dated XXX - Finance charge in the amount of $528,079.31 matches review calculation of $528,079.31.       exception satisfied (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CO-Borrower has been in same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.16% is below guideline maximum.
0179910228 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 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Tested Post Close CD dated XXX- Amount Financed in the amount of $707,192.44 matches review calculation of $707,192.44.       exception satisfied (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CO-Borrower has been in same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.16% is below guideline maximum.
0179910228 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 is missing. Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CO-Borrower has been in same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.16% is below guideline maximum.
0179910228 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 Lender approved exception for max financed properties exceeding guidelines. Borrower has 5 financed properties where as the max allowed by guidelines is 4.   Compensating factors include: low LTV, low DTI, and ample reserves at $310k.   Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CO-Borrower has been in same profession for 10 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.16% is below guideline maximum.
0600307976 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 769 exceeds guideline requirement of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 13 years
0457358139 XXXXXX MN 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 dated XX/XX/XXXX is not issued with in 3 day of the application date of XX/XX/XXXX 3.25.19 - Client responded. Disagree. Application from XX/XX/XXXX did not contain all 6 pieces of information required for initial disclosures as it was for a preapproval. Application from XX/XX/XXXX started requirement for initial disclosures and LE was issued timely on XX/XX/XXXX. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Loan score of 800 exceeds minimum required score of 720 by 80 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned their current home for 12 yrs 8 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years 11 months on  her current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 10 years 11 months on his current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both Borrowers have 11 years in their profession.
0457358139 XXXXXX MN 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 is not issued with in 3 day of the application date of XX/XX/XXXX 3.25.19 - Client responded. Disagree. Application from XX/XX/XXXX did not contain all 6 pieces of information required for initial disclosures as it was for a preapproval. Application from XX/XX/XXXX started requirement for initial disclosures and LE was issued timely on XX/XX/XXXX. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Loan score of 800 exceeds minimum required score of 720 by 80 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned their current home for 12 yrs 8 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years 11 months on  her current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 10 years 11 months on his current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both Borrowers have 11 years in their profession.
0457358139 XXXXXX MN 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 dated XX/XX/XXXX is not issued with in 3 day of the application date of XX/XX/XXXX 3.25.19 - Client responded. Disagree. Application from XX/XX/XXXX did not contain all 6 pieces of information required for initial disclosures as it was for a preapproval. Application from XX/XX/XXXX started requirement for initial disclosures and LE was issued timely on XX/XX/XXXX. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Loan score of 800 exceeds minimum required score of 720 by 80 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned their current home for 12 yrs 8 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years 11 months on  her current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 10 years 11 months on his current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both Borrowers have 11 years in their profession.
0777565154 XXXXXX CA 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 The file is missing proof of taxes and insurance for REO on XXX. 3.29.19 - Client responded. Non-subject REO on XXX is a condo in the XXX. Only taxes and HOA are associated in monthly housing expense. XXX statements to verify monthly HOA of $346 (pg's 2, 7) and XXX details page for tax information attached (2 attachments). XXX statements also reflect monthly mortgage payment of $1358.06 (pg's 2, 7) for non-subject. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years in current XXX job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has overall good history.
0777565154 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A D A D B D B B A D A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $3,630.85. Review calculates total to be $3,615.42. Difference is POCs of $15.43. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years in current XXX job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has overall good history.
0777565154 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B A D A D B D B B A D A D B Credit DTI Satisfied B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI No The file is missing proof of taxes and insurance for REO on XXX.  Comp factors include; 37.63% DTI, 40 months reserves, $12,872/mo residual income.  XXX considers non-material based on compensating factors. 3.29.19 - Client responded. Non-subject REO on XXX is a condo in the XXX. Only taxes and HOA are associated in monthly housing expense. XXX statements to verify monthly HOA of $346 (pg's 2, 7) and XXX details page for tax information attached (2 attachments). XXX statements also reflect monthly mortgage payment of $1358.06 (pg's 2, 7) for non-subject. 3.29.09 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years in current XXX job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has overall good history.
0777565154 XXXXXX CA 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 PRVAAPPR237 Appraisal is stale dated without recertification in file No Appraisal completed 10/10/18 with appraisal update completed 10/19/18. Appraisal stale dated greater than 120 days from Note date without a recertification of value. 3.29.19 - Client responded. Appraisal Update (Form 1004D) attached. Effective date of appraisal update 1/24/19. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years in current XXX job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has overall good history.
0359898002 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10603.20 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9967. Provide a revised CD that does not include POC fees in Closing Costs Financed . (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.96%; guideline maximum is 43%.
0982623560 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX: Section Calculation Cash to Close, The stated Closing Costs Financed amount is off by $635.43 closing cost paid before closing. (No Data) (No Data) 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:  Borrower have been in the same profession for 33 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have resided in the current residence for 26.15 years.
0645889588 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 as an XXXXX for20 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in and owned the Subject for 7+ years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of72 months exceeds guidelines of 12 months.
0762464740 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 approved exception for insufficient PCL:   3 month PCL waiver.  Asset profile is net $78k in deposits from gift sources which cannot be used but are still available to borrower to help buffer transition to home ownership.  Compensating factors include:   Strong retirement savings, minimal use of revolving credit, LTV 8% below max, additional $78k in assets not used to qualify, positive income trend, not using bonus income to qualify.  XXX considers as non-material based upon the compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 20mos maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep FICO 741

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  71% LTV/CLTV below g/l requirement of 80%
0762464740 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 3.27.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.27.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 20mos maximum required 12mos

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep FICO 741

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  71% LTV/CLTV below g/l requirement of 80%
0332094035 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B 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 Provide evidence that property expenses for XXX total $732.35 per month. Also, evidence property is owned free and clear.   If applicable, provide any VOM within the past 12 months. 4.3.19 - Client responded. Co-borrower's departure residence at XXX is a co-op and mortgage with XXX was closed 08/2016 per credit report; XXX Financing Statement Release was recorded XXX. Co-op maintenance fees increased from $665.77 to $732.34 effective 1/2019; checks for a portion of 2018 maintenance fees were obtained. Lender guidelines allow discretion as to the number of months verified. XXX Release, letter verifying management fees and cancelled checks are attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 at current job 17 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 at current residence for 12 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.33% below guideline requirement of 43%.
0332094035 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B A D A D A Credit Credit/Mtg History Satisfied B A B A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Provide evidence that property expenses for XXX total $732.35 per month. Also, evidence property is owned free and clear.  If applicable, provide any VOM within the past 12 months.  Compensating factors include: Borrowers in their respected professions for 10 and 25 years, 802 qualifying score, 113 months reserves, $21,568/mo. residual income. XXX considers non-material based on compensating factors. 4.3.19 - Client responded. Co-borrower's departure residence at XXX is a co-op and mortgage with XXX was closed 08/2016 per credit report; XXX Financing Statement Release was recorded XXX. Co-op maintenance fees increased from $665.77 to $732.34 effective 1/2019; checks for a portion of 2018 maintenance fees were obtained. Lender guidelines allow discretion as to the number of months verified. XXX Release, letter verifying management fees and cancelled checks are attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 at current job 17 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 at current residence for 12 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.33% below guideline requirement of 43%.
0332094035 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A B A D A D A D A B 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. 4.2.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 at current job 17 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 at current residence for 12 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.33% below guideline requirement of 43%.
0048800331 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $4080.90 x 12 =$48,970.80; Verified PCL reserves $189,639.91; Excess reserves $140,669.11

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since July 2005.
0943026219 XXXXXX IN 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 17.68 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  809  exceeded the guideline requirement of  680 by  129 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0896275740 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Earliest expiration date per RoR is XX/XX/XXXX; loan disbursed per final CD prior to end of recession period on XX/XX/XXXX. 4.5.19 - Client responded. Agree with finding; however issue remediated. Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent and received by the consumers electronically on XX/XX/XXXX. Screenshot and CD attached. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $584,678.76.  Reserves equal 128.31 months of PITI reserves and exceed required reserves ($4,556.75 x 12 = $54,681.00).

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives documented bonus income not used in qualifying ($75,000.00/12 = $6,250.00 mo.)
0300470155 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $5807.78. Review calculates total to be $5172.35. Difference is POCs of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has been on current job 5.76 years

CFCFS2854: Significant time in profession
- Clayton Comments:  borrower has been in same profession last 14 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  borrower has been at same residence 3 years
0030296012 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 dated XXX stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $13134.37 amount should be $12439.37. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720. borrowers qualifying score is 778

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV allowed 70%, borrowers LTV is 58.59%
0937113360 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 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:  Credit score 746 exceeds the minimum of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 & B2 have been in current profession for 10 years
0937113360 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 CRDLGL100 Legal document incorrect or incomplete No Provide copy of the original sales contract or final HUD/CD verifying base price, options and lot premium for purchase of subject property. 3.12.19 - Client responded. 2019 loan for the  subject property is a refinance and the 2018 loan was a purchase. See attached 2019 CD for refinance and the 2018 CD for purchase and the purchase agreement 3.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 746 exceeds the minimum of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 & B2 have been in current profession for 10 years
0937113360 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. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 746 exceeds the minimum of 680

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 & B2 have been in current profession for 10 years
0120474982 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 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: XXX, Section: Other Costs, Field: Total Closing Costs (Borrower-Paid) , Value: 6775.79CD: XXX, Section: Other Costs, Field: Total Closing Costs (Borrower-Paid) Calculated, Value: 7783.09. Difference is POC's of $1007.30. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  813 Credit Score.

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:  15 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $97,982.56 = 29 months of PITI.
0619473237 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 as a XXX for 18 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of 37 months exceed guidelines of 12 months.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 25 months exceed 12 month guidelines.
0793171952 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No CD dated XXX has disbursement dated XXX on day prior to disclosed midnight date of XXX 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV @ 70%, below guideline requirements of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score 820, exceeds guides of 680.
0793171952 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD dated XXX has disbursement date as XXX.  The ROR form in file has date of transaction as XXX and cancel by midnight of XXX. 4.2.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation requested5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date ofX XX provided.   4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV @ 70%, below guideline requirements of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score 820, exceeds guides of 680.
0493064221 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 1. Missing timely VVOE for B1 and B2. 2. 2017 1040s for borrower 1, XXX, are not signed. 4.9.19 - Client responded. 1- Per non agency guidelines/proprietary policy, for HFI (held-for-investment) to HFI rate/term refinance VVOE must be completed within 45 days of closing.  2- Signed 2017 1040s for borrower 1, XXX attached.    4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0493064221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Final CD dated XXX has a disbursement date of XXX. Provide a Post Close CD with a later Disbursement date. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0493064221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied C A C A CMPROR114 ROR - Right of Rescission not executed by all title holders No Right of Rescission form executed by borrower 1, XXX, is missing from file. 4.10.19 - Client Provided ROR Form for B1. 4.10.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0493064221 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD dated XXX has a disbursement date of XXX. Provide a Post Close CD with a later Disbursement date. 4.15.19 - Client responded. Agree. Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Requested remediation4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.15.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0493064221 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 Application Satisfied D A D A CRDAPP4625 The orig file does not contain a third party fraud report No Third party fraud report for borrower 3, XXX, is missing from file. Clayton will order. 4.3.19 - Fraud report provided for borrower 3 and no issues. 4.3.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0493064221 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 CRDINC2408 Income verification does not meet guidelines No 2017 1040s for borrower 1,XXX, are not signed. 4.9.19 - Client responded. Signed 2017 1040s for borrower 1, XXX attached. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0493064221 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 CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE in file for borrower 1 (XXX)  and borrower 2 (XXX)  exceeds parameters for 20 business days prior to date printed on the note.  Print date on note is XXX.  20 business days prior to XX/XX/XXXX is XX/XX/XXXX.  Borrower1 VVOE is datedXX/XX/XXXX.  Borrower 2 VVOE dated XX/XX/XXXX. Over by 1 day. 4.9.19 - Client responded. Per non agency guidelines/proprietary policy, for HFI (held-for-investment) to HFI rate/term refinance VVOE must be completed within 45 days of closing. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 755.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-close cash reserves of $87,452 (22.28 months PITI) exceed required reserves of  $47,087.64 (PITI $3,923.97 x 12 months).
0583540148 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 of 23.62% is below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 41.67% is below guideline maximum.
0051386168 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 PC CD: XXX, Section: Other Costs. F; Prepaids. Homeowners Association dues are missing the months. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 712.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $65,069.05 (15.98 months PITI) exceed required cash reserves of $48,852 ($4,071 * 12 months).
0506754001 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 Rental history from XXX. in the amount of $2800 monthly. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession fro 7 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.13%; guideline maximum is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated Assets $1,362,465.15; Effective Amount (Assets Used) $1,110,820.22; Liquid Assets $576,448.14; Post Cash Reserves in the amount of $725,670.79.
0810985775 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 11140.15CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 10617.72. Difference is POC's of $522.43. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 35 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.05%, max per guidelines is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 71.03%; max allowed per guidelines is 80.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  47.11 months PITI reserves verified, max per guidelines is 12 months
0066132760 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:  Both borrowers have been with their current employer for 19 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  68.00% is below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score of 780 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.45%, which is less than guideline maximum.
0865508308 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 1. Missing documentation to support lender valuation of $1,039.17 per share for Restricted stock. Monthly income used to qualify. 2. Missing legible copy of XXX print/vesting schedule dated 2/4/19. Copy in file is not legible. 3.20.19 - Client responded. 1- Documentation to support lender valuation for restricted stock attached (Underwriting Notes/XXX Market Summary). 2-  XXX vesting schedule attached. Continue to enlarge (zoom) the schedule once the document has been opened. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $452,887.15.  Reserves required $6569.45 x 12 = $78,833.40

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has resided at departing residence for 11 years and 10 months.
0865508308 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 1. Missing documentation to support lender valuation of $1,039.17 per share for Restricted stock. Monthly income used to qualify. 2. Missing legible copy of XXX print/vesting schedule dated 2/4/19. Copy in file is not legible. 3.20.19 - Client responded. 1- Documentation to support lender valuation for restricted stock attached (Underwriting Notes/XXX Market Summary). 2- XXX vesting schedule attached. Continue to enlarge (zoom) the schedule once the document has been opened. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $452,887.15.  Reserves required $6569.45 x 12 = $78,833.40

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrower has resided at departing residence for 11 years and 10 months.
0996175619 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 PITIA for the departure property located on XXX used $4,820. 3.25.19 - Client responded. Verification of PITI and HOA ($693 monthly) for departure residence located at XXX attached (2 attachments). 3.25.19 - 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 9.02 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: Calculated Assets $1,481,573.98; Effective Amount (Assets Used) $1,328,613.16; Liquid Assets $878,096.60; Subject PITI is $9,798.87; REO PITI is $4820; 56.94 months PITI in reserves.
0996175619 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 Missing verification of PITIA for the departure property located on XXXXXXX; used $4,820. 3.25.19 - Client responded. Verification of PITI and HOA ($693 monthly) for departure residence located at XXX attached (2 attachments). 3.25.19 - 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 9.02 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: Calculated Assets $1,481,573.98; Effective Amount (Assets Used) $1,328,613.16; Liquid Assets $878,096.60; Subject PITI is $9,798.87; REO PITI is $4820; 56.94 months PITI in reserves.
0718930477 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 Provide documentation to verify the borrower made the October 2018 rental payment for the current primary residence.  Must be 0x30 in the last 12 months for FTHB per guidelines. 3.25.19 - Client responded.XXX statements and underwriting notes attached to support consecutive 12-month VOR (2 attachments). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  8 years with the same employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 credit score exceeds the minimum per guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $123,738.66 = 14.5 months of PITIA.
0574390359 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:  Borrower's fico score 791 exceeds guidelines requirements.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 9 years.
0524232059 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 CDA to support original appraised value. 3.26.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.26.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years on current job.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 15 years in current profession.
0732213005 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 Approved Lender exception for 10.71 months PCL instead of 12 months PCL. Compensating factors include:  $10k residual income, excellent mortgage history, stable employment, low credit utilization, 39.62% DTI.  XXX considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 6 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Time on job = 14 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score = 769
0756516396 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. 4.29.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.72% DTI.
0272737688 XXXXXX SC 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 legible transaction history (page 660) verifying updated balance of $291,973.37 per UW Decision Summary. The UW cannot verify bank name, identification information and/or balance. XXX considers non-material based on compensating factors (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum DTI per guidelines is 43%.  The borrowers DTI is 31.04%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 33 years.
0272737688 XXXXXX SC QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Lender Approve Exception:669 representative FICO below minimum 680 required per g/l. Compensating factors: 33+ years with current employer +$16K in residual income +70% LTV + Established XXX relationship dating back to 2003 XXX considers non-material based on compensating factors (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum DTI per guidelines is 43%.  The borrowers DTI is 31.04%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 33 years.
0343702864 XXXXXX IA 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 subject to completion to plans and specs. A recert of value is in file but not completion report to reflect property was completed.    3.29.19 - Client responded. Appraisal Update (Form 1004D) attached. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 789 exceeds guideline requirement of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63% is below guideline requirements of 80%.
0343702864 XXXXXX IA 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. 3.21.19- A Desk Review was received with a reported value of XXXXXX which supports the original appraised value of XXXXXX. 3.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 789 exceeds guideline requirement of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63% is below guideline requirements of 80%.
0064362794 XXXXXX NY 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 Provide verification of non-subject PITI: Property XXX reflected on the Final 1003, and credit report showing XXX#XXX.  Qualified using $3,915.73 per month. 4.10.19 Lender response - Verification of non-subject PITI for property XXX attached. Monthly (qualifying) payment of $3,328.73 includes escrow for taxes and insurance. 4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $741,887.60  .  Reserves required $8400.35 x 12 = $100,804.20.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.70% is  below guideline maximum.
0064362794 XXXXXX NY 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 Provide verification of non-subject PITI: Property XXX reflected on the Final 1003, and credit report showing XXX #XXX.  Qualified using $3,915.73 per month.  Compensating factors include: DTI 25.70%, B1 12 years in profession, 88 months reserves, $36,317 residual income.  Clayton considers non-material based on compensating factors. 4.10.19 Lender response - Verification of non-subject PITI for property XXX attached. Monthly (qualifying) payment of $3,328.73 includes escrow for taxes and insurance. 4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $741,887.60  .  Reserves required $8400.35 x 12 = $100,804.20.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.70% is  below guideline maximum.
0127206157 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:  707 Credit Score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $127,140.53 = 20 PITI payments.
0094838353 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 has 0 collections, judgments, tax liens or charge off on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in same profession for 15 years.
0232242358 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 CRDDTI106 Debt Ratio Exception >5% and <10% No Maximum housing ratio 36%, current housing ratio is  42.07%. Per Guidelines max Housing Ratio is subject to UW discretion with compensating factors. UDD list UW notes stating Housing ratio approved at  42.07%.  XXX considers 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 stable employment as XXX with XXX for the past 14.73 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 787 > guideline minimum is 680.
0008552927 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:  Borrowers have a low DTI of 20.65% less than 43% max per guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has 21 years on job
0555628745 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer 45 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 45 years.
0777778629 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing copy of executed note with term specifications. Borrowers are getting a XXX, terms of secondary financing have not been provided.   3.25.19 - Client responded. Executed XXX and Disclosure Statement (Note) attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower XXX income not used to qualify.B2 additional income of $4000 per month not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of primary wage earner is 784; guideline requirement is 680
0777778629 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure 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 of $145 for increase in Appraisal Fee for Final Appraisal Inspection.  Missing detailed coc or evidence of refund to the borrower. 3.25.19 - Client responded. Disagree. Final Appraisal Inspection in the amount of $145 were added to the subsequent Loan Estimate issued XX/XX/XXXX with a valid change circumstance of "subject to verification damaged stucco". Copy of screen print is attached indicating date of knowledge of XX/XX/XXXX which meets required timing.  This is not a testing defect so no corrective action is required. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower XXX income not used to qualify.B2 additional income of $4000 per month not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of primary wage earner is 784; guideline requirement is 680
0777778629 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of executed note with term specifications. Borrowers are getting a XXX, terms of secondary financing have not been provided.   3.25.19 - Client responded. Executed XXX and Disclosure Statement (Note) attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower XXX income not used to qualify.B2 additional income of $4000 per month not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of primary wage earner is 784; guideline requirement is 680
0701375974 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:  The Borrower has been at current job for over 8 years when only 2 years is required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The Borrower has been at current residence for over 6 years when only 2 years is required.
0500265912 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job-  7.5 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement of 43%.   Current DTI 28.57%.
0422679029 XXXXXX HI 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:  Mid score of Primary ware earner of 741 exceeds guideline requirement of 680.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has no mortgage lates in the last 24 months.
0132275906 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 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.   4.8.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (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 35.56 years

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 have been in the same profession for 45 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have resided in current residence for 16.34 years.
0488277621 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A C A C A D A D A C 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 additional paystub and 2018 W2 for Borrowers 1. 11/01/18 paystub reflects total YTD earnings of $20,566.66 which does not support base monthly rate of $9,408.33 or Lender qualified income of $16,231.00. 4.1.19 - Client responded. 2018 year-end paystub(s) for both borrowers, XXX for B2 and underwriting notes attached (2 attachments).   4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Subject LTV is 70%.  Maximum LTV for HFI to HFI rate/term refinance is 80%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower 2 is a XXX as of 6/2017 and per 4/20/18 offer letter from XXX beginning with $300,000 up to $375,000.  Borrower currently qualified with 54% ($161,924.96/year) of earning potential.
0488277621 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A C A C A D A D A C A C A D A Credit Income/Employment Satisfied C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Missing additional paystub and 2018 W2 for Borrowers 1. 11/01/18 paystub reflects total YTD earnings of $20,566.66 which does not support base monthly rate of $9,408.33 or Lender qualified income of $16,231.00. 4.1.19 - Client responded. 2018 year-end paystub(s) for both borrowers, XXX for B2 and underwriting notes attached (2 attachments).   4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Subject LTV is 70%.  Maximum LTV for HFI to HFI rate/term refinance is 80%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower 2 is a XXX as of 6/2017 and per 4/20/18 offer letter from XXX beginning with $300,000 up to $375,000.  Borrower currently qualified with 54% ($161,924.96/year) of earning potential.
0488277621 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A C A C A D A D A C A C A D A Property Valuations FEMA Satisfied C A C A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No FEMA declaration #XXX for XXXXX is dated XXXXXX with effective date XXXXXX.  Appraisal date is 11/15/2018 and note date is XXX. 4.2.19 - Property inspection came in and no damage. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Subject LTV is 70%.  Maximum LTV for HFI to HFI rate/term refinance is 80%.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower 2 is a XXX as of 6/2017 and per 4/20/18 offer letter from XXX beginning with $300,000 up to $375,000.  Borrower currently qualified with 54% ($161,924.96/year) of earning potential.
0516340688 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:  YTD Performance Bonus $2,314.70  Not used to qualify

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $122,716.08 or 34.28 months PITI.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 employed in same profession 13 years
0720615524 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:$737,526.02  in total assets documented.  Effective amount is $514,900.40, with liquid assets of $180,961.97.  Post close reserves are $427,058.74.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.89% is below guideline requirement.
0005838670 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same company for the past 14 years and 2 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid credit score of 709 exceeds guidelines required score of 680.
0599297886 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A 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. 3.8.19 - Fraud report provided and clear. 3.8.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum debt to income ratio is 43%.  The borrowers qualifying debt to income ratio is 35%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 8 years and 6 months.
0599297886 XXXXXX CA 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 of $XXXXXX. 3.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum debt to income ratio is 43%.  The borrowers qualifying debt to income ratio is 35%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co borrower has been on current job for 8 years and 6 months.
0708235983 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 2018 W2s for B1 and B2. 3.25.19 - Client responded. 2016 and 2017 W-2's in file. 2018 year-end paystubs for B1 and B2 obtained (attached). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 11.5 years as XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have no mortage late payments, mortgage opened since 03/2013.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $608,569.16 in total assets documented.  Effective amount is $469,790.23, with liquid assets of $261,621.83.  Post close reserves are $259,522.95.  Reserves required $4287.85 x 12 = $51,454.20.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.81% DTI

CFCFS1736: Significant time at current residence
- Clayton Comments:  11+ years at current residence
0708235983 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 Income/Employment Satisfied B A B A CRDINC3204 Income Documentation Missing No Missing 2018 W2s for B1 and B2.   Compensating factors include:  11+ years in departure residence, 30.81% DTI, 0x30 mortgage history since 03/2013, B2 has 11+ yrs at current employer, and high residual income.  XXX considers non-material based upon compensating factors. 3.25.19 - Client responded. 2016 and 2017 W-2's in file. 2018 year-end paystubs for B1 and B2 obtained (attached). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for 11.5 years as XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have no mortage late payments, mortgage opened since 03/2013.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $608,569.16 in total assets documented.  Effective amount is $469,790.23, with liquid assets of $261,621.83.  Post close reserves are $259,522.95.  Reserves required $4287.85 x 12 = $51,454.20.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.81% DTI

CFCFS1736: Significant time at current residence
- Clayton Comments:  11+ years at current residence
0923385081 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 PDA to support original appraised value. 4.10.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXX. 4.10.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $80,647.90. Required reserves $3842.89 * 12 = $ 46,114.68.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 41 months reviewed no lates exceeds guidelines of 12 months
0869406298 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Cash Reserves in the amount of $126,233.74, 28.44 months PITI in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 15 years.
0385407201 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Final CD XXX disbursement date is XXX the ROR recession period ends XX/XX/XXXX. 3.20.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Requesting Remediation5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   3.20.19 - Exception remains.5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$223,342.70 in total assets documented.  Effective amount is $145,248.88, with liquid assets of $32,087.48.  Post close reserves are $137,495.96.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.62% is below guideline requirement.
0385407201 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD XXX disbursement date is XXX the ROR recession period ends XX/XX/XXXX. 3.20.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Requesting Remediation5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   3.20.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$223,342.70 in total assets documented.  Effective amount is $145,248.88, with liquid assets of $32,087.48.  Post close reserves are $137,495.96.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 39.62% is below guideline requirement.
0216632825 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 has 11 years and 1 month on current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers representative credit score is 804.  Minimum credit score required per guidelines is 680.
0413336783 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Approved Lender Exception for no mortgage/rental payment history. Compensating factors: DTI 33%, $13,653 in residual income. 22 months PITI. 8 years current employer. XXX has reviewed and determined the exception to be 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 the same profession as a XXX for 8 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.54% is below the guideline requirement of 43.00%

CFCFS2860: Good credit history
- Clayton Comments:  Credit report shows 0x30 on all revolving and installment accounts.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves greater than 26 months
0386737247 XXXXXX WA 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 PITIA for REO on XXX, taxes for REO on XXX and taxes for REO on XXX. 4.3.19 - Client responded. Per lender loan notes, XXX is a timeshare in Hawaii that borrower has access to for six weeks each year.  He rents out the days that he does not personally use and reports rents and  expenses on Schedule E; there is no PITI.  Copies of 2016 and 2017 Schedule E attached.   Property taxes for XXX are included in PITI (lenders online payment attached); county tax records for XXX are attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in business for over 37 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 765 exceeds the guideline minimum of 720.
0386737247 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Please provide Affiliated Business Disclosure.  Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in business for over 37 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 765 exceeds the guideline minimum of 720.
0386737247 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX [Last CD],  Calculating Cash to Close,  Closing Costs Financed - Final, $7180.74CD XXX [Last CD],  Calculating Cash to Close,  Clayton Calculation, $ 6485.74. 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 in business for over 37 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 765 exceeds the guideline minimum of 720.
0386737247 XXXXXX WA 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 PITIA for REO on XXX, taxes for REO on XXX and taxes for REO on XXX.  Compensating factors include: 269 months of reserves, $25729/mo. residual income, 35 years in profession, 82 months of 0x30 mortgage payment history.  Clayton considers non-material based on compensating factors.    4.3.19 - Client responded. Per lender loan notes, XXX is a timeshare in Hawaii that borrower has access to for six weeks each year.  He rents out the days that he does not personally use and reports rents and  expenses on Schedule E; there is no PITI.  Copies of 2016 and 2017 Schedule E attached.   Property taxes for XXX are included in PITI (lenders online payment attached); county tax records for XXX are attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in business for over 37 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 765 exceeds the guideline minimum of 720.
0386737247 XXXXXX WA 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 CRDINC3204 Income Documentation Missing No Provide verification business loans less than one year are renewable as listed on the 1120S 2017 business return.  Compensating factors include: 269 months of reserves, $25729/mo. residual income, 35 years in profession, 82 months of 0x30 mortgage payment history.  Clayton considers 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 in business for over 37 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 765 exceeds the guideline minimum of 720.
0386737247 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B 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 approved exception for LTV of 75%. Per guidelines, maximum LTV 70% on cash out refinance.  Lender compensating factors are strong relationship with XXX, all debts paid as agreed and solid residual income.  Clayton has reviewed and based on compensating factors determined exception to be non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in business for over 37 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 765 exceeds the guideline minimum of 720.
0569708609 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 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 CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 71 month mortgage history with no late payments.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have an overall good credit history.
0569708609 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR CD dated XXX has a disbursement date of XXX. Provide a Post Close CD with a later Disbursement date. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 71 month mortgage history with no late payments.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have an overall good credit history.
0569708609 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR CD dated XXX has a disbursement date of XXX. Provide a Post Close CD with a later Disbursement date. 4.2.19 - Client responded. Agree with investor.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation requested4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.2.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 71 month mortgage history with no late payments.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have an overall good credit history.
0569708609 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: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $1389.31 Calculating Cash to Close, Field: Clayton Calculation, Value: $866.88. Values does not match. (No Data) (No Data) Numeric Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 71 month mortgage history with no late payments.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have an overall good credit history.
0337895229 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 employed with the current Employer for 16.57 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in the current residence for 13.55 years.
0337895229 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 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 Final LE sent XX/XX/XXXX prior to initial CD XXX, but confirmed receipt date by the borrower of the Final LE is on XX/XX/XXXX. Therefore the confirmed receipt date is on the same day of the initial CD receipt date. There should be a minimum of 1 day in between (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 16.57 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in the current residence for 13.55 years.
0337895229 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 CRDCRMH122 Foreclosure history does not meet guidelines No Lender Approve Exception: Foreclosure/Modification XXX; Compensating factors include strong residual income, strong gross retirement savings, housing payment decreasing, long term employment/ profession, low housing ratio, fixed rate product, MC1 County;ATR met. (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 16.57 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in the current residence for 13.55 years.
0171310027 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Review calculates a 32.98% DTI which is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  4636.09 * 12= $55,633.08 required reserves; $937,707.54 verified reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  73.75% LTV is below guideline maximum.
0014703597 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. 3.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $60,419.97  or 15.49  months PITIA, guidelines required 12  months PITIA.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have 0 collections, judgments, tax liens or charge off on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  749 qualifying score.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed for 7 years.
0401381892 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:  800/801 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  69 months of mortgage payments made as agreed to XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  10.5 years with the same employer.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  15 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $356,209.39 = 44 months of PITI.
0049761482 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 of 29.71% is 13.29% below the maximum allowable DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $1,827,277.71.  Reserves required $7,688.12 x 12 = $92,257.44.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same company for over 15 years.
0820374127 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A A A D A C A D A A A D A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per the disclosure data spreadsheet there is an initial CD issued XXX; receipt confirmed on XX/XX/XXXX, however it is not in the file. Please provide a copy of the missing CD. 4.15.19 - Client responded. Attached find the initial CD issued on XXX. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $167,471.47 in post-closing reserves, or 23 months subject PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 808.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is 28.39%.
0820374127 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A A A D A C A D A A A D A C A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.9.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $167,471.47 in post-closing reserves, or 23 months subject PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 808.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is 28.39%.
0204414147 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 approved exception in file for being short PCL reserves as retirement accounts can only be used for 50% of reserves. Compensating factors low DTI of 32% and low LTV of 69%. XXX has reviewed and determined based on compensating factors exception to be non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer, XXX for 12+ years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as an XXX for12 years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 14 months exceed guidelines of 12 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves exceed 21 months
0078792488 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 been employed with XXX for 23+ months

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX for 15 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with same Employer XXX  for 10+ years

CFCFS2860: Good credit history
- Clayton Comments:  Credit report shows 0x30 for all revolving accounts
0580707549 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 mid FICO 774 exceeds minimum FICO of 700 by 74 points.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 12 years at current job
0802694283 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 12 years on current job.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have a 84 month mortgage history with no late payments.
0755595661 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score is 771. Minimum credit score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.17/37.67%. Maximum DTI of 45% per guidelines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 68.35%. Maximum LTV is 80% per guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $ 79,383.08 in total assets documented or 15.26 months reserves. Effective amount is $ 68,697.04 with liquid assets of $ 68,697.04 . Post close reserves are $ 68,512.24 . Reserves required $ 4,488.35 x 12= $53,860.20.
0212618148 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:  Post close reserves are $154,415.42. Per guidelines, reserves required of $3,724.52 x 12 = $44,694.24.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.89% is below the guideline requirement of 45%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 14 years.
0274583381 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:  B1 has been with current employer for over 9 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with current employer for more than 7 years.
0920389467 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's dated XXX: stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $11,123.35, amount should be $10,487.92a difference of $ 635.43 amount to POC. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has occupied the subject property for 16 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income from XXX in the amount of $3750 and from XXX in the amount of $3427.14 not used to qualify

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 34.03%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $912,866.45.  Reserves required $3896.90 x 12 = $46,762.80
0742045875 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as a XXX with the same company for over 11 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has stable employment as an XXX with the same company for over 30 years.
0748623016 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date XX/XX/XXXX is on disclosed "midnight of" date XX/XX/XXXX. 4.2.19 - Client responded. Disagree.  Post Close Closing Disclosure disclosed updating Disbursement Date to XXX rescission period.  Post Close Closing Disclosure attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 6 years.  Co-Borrower has been employed in current profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 696; 16 points above guideline minimum of 680.
0748623016 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date is before end of statutory rescission period XXX. 4.2.19 - Client responded. Disagree.  Post Close Closing Disclosure disclosed updating Disbursement Date to XXX which is after end of statutory rescission period.  Post Close Closing Disclosure attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 6 years.  Co-Borrower has been employed in current profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 696; 16 points above guideline minimum of 680.
0748623016 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 CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing evidence to support 12 months rental history for both borrowers.  Credit report shows rental history thru 4.2018.  Two cancelled checks show rent payments for 11.2018 and 12.2018. Provide evidence of satisfactory rental history for 5.2018 thru 10.2018. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 6 years.  Co-Borrower has been employed in current profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 696; 16 points above guideline minimum of 680.
0748623016 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 CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Lender approved exception for insufficient credit because the risk is already on the XXX books.  XXX just originated and funded the loan in XXX and the first housing payment has not been made yet.  After the loan closed, the rates dropped. The rate is dropping 1/4% and the property value is higher than at purchase. Not using all income to qualify /low ratios and highly skilled borrowers.  B2 has sufficient credit and would qualify below 45% on their own.   XXX considers as non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 6 years.  Co-Borrower has been employed in current profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 696; 16 points above guideline minimum of 680.
0361643699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge under disclosure comments: The finance charge is under disclosed by $906.12. Final CD dated XXX disclosed finance charge as $670,589.28, review calculated finance charge to be $671,495.40. The following fees were applied towards APR:Title -Escrow Service Fee $349.45, Prepaid Interest $1308.84 . PCCD dated 3.14.19 corrects error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in current profession for 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 18.73 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned their previous home for 23 years.
0361643699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance 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 XXX Amount Financed reflects $839,247.83 and review calculated Amount Financed was $838,341.71. Review amount is $906.12 higher. PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in current profession for 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 18.73 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned their previous home for 23 years.
0361643699 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   4.11.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in current profession for 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 18.73 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers owned their previous home for 23 years.
0506841361 XXXXXX NC 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 35 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employment for 13.98 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV of 73.51% is 6.49% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 796 is 96 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.55% is 7.45% less than required 43%.
0460180925 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B C A A A D B D B C A A A Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender approved exception for insufficient PCL reserves.  Compensating factors included:  Strong retirement assets of $750.432, residual income is strong and DTI low with the current debt, both will improve with pay down of the revolving debt and bwrs should be able to re-coup liquid savings.  Clayton considers non-material based upon compensation factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  21 years on the job

CFCFS1736: Significant time at current residence
- Clayton Comments:  15 years in current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $53,863Verified Assets $189,699
0460180925 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B C A A A D B D B C A A A Credit Credit/Mtg History Satisfied B A B A CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Credit Report in the loan is missing pages 1-9, UW not able to determine MTG History, Credit Scores, Credit age, usage and total tradelines.  Lender to provide full credit report and will be subject to requalification. 4.5.19 - Client responded. Providing copy of complete Credit Report 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  21 years on the job

CFCFS1736: Significant time at current residence
- Clayton Comments:  15 years in current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $53,863Verified Assets $189,699
0460180925 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B C A A A D B D B C A A A Credit Credit/Mtg History Satisfied D A D A CRDCRMH183 Credit report incomplete No Credit Report in the loan is missing pages 1-9, UW not able to determine MTG History, Credit Scores, Credit age, usage and total tradelines.  Lender to provide full credit report and will be subject to requalification. 4.5.19 - Client responded. Providing copy of complete Credit Report 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  21 years on the job

CFCFS1736: Significant time at current residence
- Clayton Comments:  15 years in current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $53,863Verified Assets $189,699
0460180925 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B C A A A D B D B C A A A Property Valuations Appraisal Satisfied C A C A PRVAAPPR119 Appraisal documentation does not support occupancy No Appraisal shows  subject as vacant when photos shows its occupied. Appraiser to correct occupancy or explain why it's listed as vacant 4.5.19 - Client responded. The appraisal report reflects the subject is vacant, however further commentary states the subject is owner occupied. The photos confirm the subject is occupied. All utilities were on and functional at the time of the inspection. Occupancy (vacant) appears to be checked in error, discrepancy is acceptable. The collateral is supported. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  21 years on the job

CFCFS1736: Significant time at current residence
- Clayton Comments:  15 years in current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $53,863Verified Assets $189,699
0740070971 XXXXXX HI QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3124 Loan documents do not meet guideline requirements No Approved Lender Exception for Post Close Liquidity -Penalty Free Access exception. Both borrowers have  penalty free access unreduced accounts  PCL required @$149,514.  and  have penalty free access on retirement accounts valued at $1,279,663.00-Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  762 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 34.99%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  149.95 months PITI reserves verified, max per guidelines is 24 months
0005646532 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement Date reflected on final CD XXX is XXX.  Disbursement date as disclosed on ROR is XXX.  Per notary, consummation date XXX.  Earliest calculated disbursement date XXX. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  32 ($119,617.55) months PITI reserves; 12 ($44,976.60) months PITI reserves required

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over 18 years

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Mortgage payment history 0x30 56mos maximum required 12mos
0005646532 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement Date reflected on final CD XXX is XXX.  Disbursement date as disclosed on ROR is XXX.  Per notary, consummation date XXX.  Earliest calculated disbursement date XXX. 4.5.19 - Client responded. Agree.  Rescission ended on XX/XX/XXXX and CD reflects XXX disbursement date.  Consummation date per CD, NORTC, and Security Instrument notary date is XXX.  Earliest disbursement date is XXX.  Per settlement statement funds correctly disbursed on XXX.  PC CD with XXX per diem start date and disbursement date required to remedy. Remediation Requested4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX. 4.5.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  32 ($119,617.55) months PITI reserves; 12 ($44,976.60) months PITI reserves required

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over 18 years

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Mortgage payment history 0x30 56mos maximum required 12mos
0589045205 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 The value for Cash to Close in the LE column of the CD $196,927.00 is different from the value disclosed on the last LE $197,127. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $72,843.26.  Reserves required $5,078.80 x 12 = $60,945.60.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 4 years on current job.
0589045205 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 CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE dated XX/XX/XXXX: Section Calculation cash to close payoff and payments value $ 496,604 changed from the  LE to final CD without a change reason. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $72,843.26.  Reserves required $5,078.80 x 12 = $60,945.60.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 4 years on current job.
0450978537 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:  799 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.80%, max per guidelines is 43.00%.
0181000557 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 1. Missing verification of taxes and insurance for REO property on XXX.2. Final 1003 lists two mortgage liens on the Schedule of REO: $173,413 with payment $1,105 & $45,048 with payment $279.  Unknown which rental properties are associated with these liens. 4.1.19 - Client responded.  XXX property tax account summary and homeowners insurance for departure residence at XXX are attached. The loan secured by XXX with XXX was paid in full at closing.  In addition to XXX, borrowers own seven investment properties in XXX; lender's loan system does not permit entry of non-USA addresses for real estate owned.  Six of the properties are reflected on the 2017 federal income tax returns (Schedule E); the seventh property XXX was purchased in 2018.  Five of the seven investment properties are owned free and clear; the two mortgages outstanding are with XXX and are secured by XXX ($173,413) and XXX($45,048).   Copies of lender's calculations for rental income, property addresses of all real estate owned and XXX mortgage statements attached; payoff and closing statement also attached for XXX. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  275,543.21 post closing cash reserves; 35.05 months PITIA subject property.  18 months PITIA required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have an 805 credit score.
0181000557 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 RESPA Satisfied B A B A CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Application missing date; CBR date XX/XX/XXXX; Homeowner's Counseling List issued XX/XX/XXXX. 4.2.19 - Client responded. Disagree.  Initial Loan Estimate was provided within 3 business days of application and is in compliance.  Application date is XX/XX/XXXX.  Initial Loan Estimate is dated XX/XX/XXXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  Copy of system evidence disclosing the "Real Deal (NSD)" or Application Date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  275,543.21 post closing cash reserves; 35.05 months PITIA subject property.  18 months PITIA required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have an 805 credit score.
0181000557 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 TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3552 TRID - Loan Estimate not timely No Application missing date; CBR date XX/XX/XXXX; Initial LE issued XX/XX/XXXX. 4.2.19 - Client responded. Disagree.  Initial Loan Estimate was provided within 3 business days of application and is in compliance.  Application date is XX/XX/XXXX.  Initial Loan Estimate is dated XX/XX/XXXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  Copy of system evidence disclosing the "Real Deal (NSD)" or Application Date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  275,543.21 post closing cash reserves; 35.05 months PITIA subject property.  18 months PITIA required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have an 805 credit score.
0181000557 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 1. Missing verification of taxes and insurance for REO property on XXX.2. Final 1003 lists two mortgage liens on the Schedule of REO: $173,413 with payment $1,105 & $45,048 with payment $279.  Unable to determine which rental properties are associated with these liens.  Provide evidence of property addresses, mortgage liens and PITIA for REOs.  Compensating factors include 36.47% DTI, 810 qual score, $15,883/mo residual income, 30 months of reserves verified.  XXX considers non-material based on compensating factors.   4.1.19 - Client responded.  XXX property tax account summary and homeowners insurance for departure residence at XXX, are attached. The loan secured by XXX with XXX was paid in full at closing.  In addition to XXX, borrowers own seven investment properties in XXX; lender's loan system does not permit entry of non-USA addresses for real estate owned.  Six of the properties are reflected on the 2017 federal income tax returns (Schedule E); the seventh property XXX was purchased in 2018.  Five of the seven investment properties are owned free and clear; the two mortgages outstanding are with XXX and are secured by XXX ($173,413) and XXX($45,048).   Copies of lender's calculations for rental income, property addresses of all real estate owned and XXX mortgage statements attached; payoff and closing statement also attached for XXX. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  275,543.21 post closing cash reserves; 35.05 months PITIA subject property.  18 months PITIA required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have an 805 credit score.
0714124520 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:  810 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 5 years.
0560995777 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 14.71%. Max DTI for this program is 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 12 years.
0587449396 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 27mos maximum required 12mos

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower is the XXX with the company for the past 7.8 years and has been employed in the same industry for the past 15 years.
0039751699 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 Rent payment history in file does not provide for borrowers name and no lease or VOR to confirm monthly payment amount. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower having 20 years in his profession

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower having $399,972.52 in reserves after closing.
0855752412 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 785 exceeds guidelines requirements.
0697573062 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 VOEs in file are not within 20 business days of note date XX/XX/XXXX; B1 voe dated XX/XX/XXXX, B2 voe dated XX/XX/XXXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their respected profession for 15 years.

CFCFS2860: Good credit history
- Clayton Comments:  Credit report reflects 84 months of 0x30 for rental history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.07% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  31 months reserves verified.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  67.33% LTV
0881289466 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Calculating Cash to Close Section, Closing Costs Financed value $10,105.86, does not equate to the amount based on the Reg's formula $9,983.37. The difference is POC"S $ 122.49 (No Data) (No Data) Numeric Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  6 years 0x30 mortgage reporting

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 19.8 years with employer
0881289466 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 CRDAPP157 Application Not Signed by Primary Borrower No Missing primary borrower signature on Final 1003. (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  6 years 0x30 mortgage reporting

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 19.8 years with employer
0881289466 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 CRDAPP227 Application Not Signed by Co-Borrower No Missing Co-Borrower signature on Final 1003. (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  6 years 0x30 mortgage reporting

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 19.8 years with employer
0985208339 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR form had dates changed and rescission period ends XX/XX/XXXX, disbursement date XXX 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guide line requirement at 37.71.

CFCFS2860: Good credit history
- Clayton Comments:  borrower has a good credit history, with no recent late payments, and fico score of 784.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guide lines with 15.21 months PITI.
0985208339 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR form had dates changed and rescission period ends XX/XX/XXXX, disbursement date per final CD XXX 4.2.19 - Client responded.Agree. Statutory rescission period ended on XX/XX/XXXX and funds disbursed on XXX.  CD has incorrect per diem start date(XX/XX/XXXX) and disbursement date(XXX).   Post Consummation CD reflecting correct disbursement date and Per Diem start date required to remedy issue. Remediation requested.5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.    4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guide line requirement at 37.71.

CFCFS2860: Good credit history
- Clayton Comments:  borrower has a good credit history, with no recent late payments, and fico score of 784.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guide lines with 15.21 months PITI.
0905034558 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 Approved exception in file for borrowers have no recent housing history. Compensating factors of previous housing history, solid PCL reserves, and high credit scores. XXX has reviewed and determined exception is non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 76.92% is 3.08% lower than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 800 is 100 points higher than required 700.
0783201800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico score of 745 exceeds guidelines requirement of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 72%, below requirement of 80%.
0197442640 XXXXXX WA 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 CRDAST205 Insufficient Funds to Close No Missing evidence of liquidation for funds required to close of $493,858.72; the only account verified is an investment account, where the lending underwriter does not use judgment in writing to justify not requiring evidence of liquidation.  Additionally, there is no evaluation of accessibility of the asset by the underwriter on the decisioning summary, as is required by the Non-Agency Underwriting Guidelines (pg. 168).  Simply stating that an account is liquid is not sufficient.  Underwriter notes that funds in account are received from family over time and then invested over the years.  The high asset profile is not supported by the rest of the customer profile nor the ability to have acquired these funds based on saving over time. Compensating factors include 38.93% DTI, $9,116/mo. residual income, 773 qualifying score, high reserves of 106 months.  Clayton considers 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 employed with current employer over 6 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 5 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $44,392.08 PITIA reserves required. Verified $392,629.45 or 106.14 months reserves
0197442640 XXXXXX WA 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 4.10.19- A Desk Review was received with a reported value of $XXXXX which supports the original appraised value of $XXXXXX. 4.10.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 6 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over 5 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $44,392.08 PITIA reserves required. Verified $392,629.45 or 106.14 months reserves
0182475251 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves of $103,510.22 exceed guidelines.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.99% is below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 representative score exceeds guidelines.
0561362443 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 VOR form required from landlord to accompany checks/bank statements and 12 months cancelled checks in file however, not consecutive. missing verification of October 2018 rent payment. Also, application shows Borrowers rent payment is $2,000 monthly.  Copies of checks reviewed are all for monthly amounts 1/30/19 in the amount of $1,667.01, 12/30/18 in the amount of $2,009.20, 11/29/18 in the amount of $1,825.42 etc. Borrower is currently renting and provided copies of checks, some are cancelled checks and some are not cancelled checks that reflect some payments from borrower and some from Non-borrowing spouse.  Need 12 month's most current cancelled checks or bank account history showing rent has been paid satisfactory to complete VOR. Non-borrowing spouse and LOE for why all rent payments differ. 3.29.19 - Client responded. Verification of most current 12 month's rent paid from 3/2018 - 2/2019 attached. Rent paid by both borrower and non-borrowing spouse.     3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX for 5 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower is a XXX and paid by two different companies /employer as per LOE and W2's. Additional income verified two years not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $208,488.54 exceed guideline requirement of $46,947.63
0181978639 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 43% current DTI 33.33%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV 80% current LTV 56.59%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$944,036.00 in total assets documented.  Effective amount is $944,036.00, with liquid assets of $944,036.00  Post close reserves are $511,116.87  Reserves required $4044.20x 12 = $48,530.40
0039654761 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:  Borrowers have been in their respected professions for 10 and 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  781 qual score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30x41 mortgage payment history.
0609945868 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 of 32.70%, is below guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  43.85 months PITI reserves verified, required per guidelines is 12 months
0684483188 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:  768 qualifying score. Min required per guidelines is 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $771,631.34 (121.31 Months PITIA).  Reserves required $6,360.86 x 12 = $76,330.32
0742351596 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of newly opened  XXX account to support monthly payment no greater than $1,362.00 4.5.19 - Client responded. Verification of newly opened XXX account to support monthly payment no greater than $1,362 attached. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession for 32 years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Offer letter reflect potential annual incentive bonus of 40%.  No bonus income was used to qualify.
0742351596 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing legible copies of 2 most recent statements from account XXX. Statements in file for this account are not legible. Utilized  lender value for data entry pending receipt of legible copies to support.   4.5.19 - Client responded. Legible copies of 2 most recent statements from account XXX attached. Once the document has been opened, enlarge (zoom) to increase legibility if necessary. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession for 32 years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Offer letter reflect potential annual incentive bonus of 40%.  No bonus income was used to qualify.
0742351596 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Lender approved exception in file. Borrower has insufficient credit as has not mortgage/rental history. Compensating factors include free and clear REO in XXX, and strong reserves. Clayton has reviewed and determined that the exception is non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession for 32 years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Offer letter reflect potential annual incentive bonus of 40%.  No bonus income was used to qualify.
0742351596 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Credit/Mtg History Satisfied C A C A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Missing verification of newly opened  XXX account to support monthly payment no greater than $1,362.00. 4.5.19 - Client responded. Verification of newly opened XXX account to support monthly payment no greater than $1,362 attached. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession for 32 years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Offer letter reflect potential annual incentive bonus of 40%.  No bonus income was used to qualify.
0027448351 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 1. Missing written statement from the borrower confirming the intention to return to active work status at the current employer and the intended date of return 2. Missing documentation generated by current employer confirming the borrower's eligibility to return to work after temporary leave and the duration or end date of the leave period 3.6.19 - Client responded. VOE and pay stub(s) attached to support borrower 1 was on paternity leave (FMLA). Pay stub reflects 100% of earnings. Only base pay used in qualifying. No written statement from the borrower and/or employer were located in file. 3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 793. Minimum credit score required 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $63,186.12 reserves required. Verified $107,133.66 or 20.35 months reserves
0027448351 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 1. Missing written statement from borrower #1 confirming the intention to return to active work status at the current employer and the intended date of return 2. Missing documentation generated by current employer confirming the borrower's eligibility to return to work after temporary leave and the duration or end date of the leave period.XXX considers as non-material based upon the compensating factors. 3.6.19 - Client responded. "VOE and pay stub(s) attached to support borrower 1 was on paternity leave (FMLA). Pay stub reflects 100% of earnings. Only base pay used in qualifying. No written statement from the borrower and/or employer were located in file.   3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 793. Minimum credit score required 680

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $63,186.12 reserves required. Verified $107,133.66 or 20.35 months reserves
0110972377 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D 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 Provide Final K1 or appropriate documentation to show that borrower no longer has any potential business losses for XXX. Borrower reported Schedule E loss for 2016 with no final K1 or supporting documentation. 4.17.19 - Client responded. No reported Schedule E loss and/or business income for XXX in 2017. Certificate of Cancellation (Dissolution) for both XXX, attached. 4.17.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $742,460.50 or 136.39 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines score of 680 by 107 points
0110972377 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D B D B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final CD XXX Finance Charge understated by $2185.40. PCCD XXX Tested and Finance Charge Corrected. Exception Satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $742,460.50 or 136.39 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines score of 680 by 107 points
0110972377 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D 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 Final CD XXX Amount Financed overstated by $2185.40. PCCD XXX Tested and Amount Financed Corrected. Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $742,460.50 or 136.39 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines score of 680 by 107 points
0110972377 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D B D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Provide Final K1 or appropriate documentation to show that borrower no longer has any potential business losses for XXX and XXX. Borrower reported Schedule E loss for 2016 with no final K1 or supporting documentation as to business disposition. 4.17.19 - Client responded. No reported Schedule E loss and/or business income for XXX in 2017. Certificate of Cancellation (Dissolution) for both XXX attached. 4.17.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $742,460.50 or 136.39 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines score of 680 by 107 points
0110972377 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D B D B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.16.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 4.16.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $742,460.50 or 136.39 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines score of 680 by 107 points
0110972377 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D B D B Property Valuations Value Satisfied N/A A N/A 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.   4.29.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $742,460.50 or 136.39 months PITIA

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines score of 680 by 107 points
0956770646 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4243 TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts No CD: XXX-1 [Last CD], Section: Summaries of Transactions, Field: Cash to Close Total, Value: 99570.08CD: XXX-1 [Last CD], Section: Summaries of Transactions, Field: Cash to Close Total Calculated, Value: 99577.08Refer to CD XXX- Summary of Transaction is not properly formatted due to Closing Costs (J) does not match the calculation of total closing costs (J) minus CC pd before closing, which does not match Cash to Close in CTC.  NOTE: Item #3 in Section K should reflect 831.64 NOT 838.64. Please provide POST CD, LOE and proof of delivery within 60 days of consummation to correct Summary of Transaction to match CTC. (No Data) (No Data) 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 have been in the same profession for 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed is 45%, borrower has a 29.51% which is 15.49 points below the guideline requirement.
0956770646 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Refer to CD XXX- Summary of Transaction is not properly formatted due to Closing Costs (J) does not match the calculation of total closing costs (J) minus CC pd before closing, which does not match Cash to Close in CTC.  NOTE: Item #3 in Section K should reflect 831.64 NOT 838.64. Please provide POST CD, LOE and proof of delivery within 60 days of consummation to correct Summary of Transaction to match CTC. (No Data) (No Data) Hybrid 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 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed is 45%, borrower has a 29.51% which is 15.49 points below the guideline requirement.
0956770646 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3732 TRID - Error #3 discovered on Closing Disclosure No Refer to all CDs - Projected Payments, Estimated Taxes, Insurance & Assessments not properly formatted due to "OTHER" should be checked, described & answered NO in escrow, then should be reflected in Loan Disclosures, Escrow Account Section under Non-Escrowed Properly Costs over year 1.  Issue due to under payment calculation, escrow amount shows 262.90, but in Estimated Escrow box, amount shows 1042.10 which needs detailing.Please provide POST CD, LOE, and proof of delivery within 60 days of consummation to correct Projected Payments Section and Loan Disclosure, Escrow Account Section.   2.15.16 - Client responded. Agree and Disagree: ETIA reflects proposed taxes of $958.35 and Hazard Insurance of $83.75.  Borrower chose to escrow at lower amount per Escrow Payment Confirmation Form.  Post consummation CD required to remedy defect and accurately reflect Estimated Taxes, Insurance, & Assessments (ETIA) amounts of $179.15 property tax and $83.75 home owners insurance (total $262.90).4.29.19 - Client responded. See attached PC CD and LOX. PCCD dated XXX corrects error. 2.15.19 - Exception remains. 4.29.19  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 have been in the same profession for 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed is 45%, borrower has a 29.51% which is 15.49 points below the guideline requirement.
0956770646 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Assets Active C B C B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender approved tracking/exception (pg 205), dated XX/XX/XXXX for borrowers being short 2 months PCL.   Comp Factors:  FICO 704/750, excellent housing and overall credit history, borrowers have aggressively paid down debt (pif student loans) and saved in their 401k the last several years.  Residual income of $14,473 2.15.19 - Client responded. XXX approved exception - Non HFI 3 mo PCL Reduction. Exception approved under the PCO delegated authority. 2.15.19 - XXX has reviewed and based on compensating factors considers non-material. 2.15.19 - Exception remains. (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 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed is 45%, borrower has a 29.51% which is 15.49 points below the guideline requirement.
0956770646 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Assets Satisfied B A B A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Provide bank statement from XXX acct #XXX to cover the gap from 10/22/18 to 11/26/18. 2.15.16 - Client responded. 2 months XXX statements acct #XXX with ending balance $9,415.68 used to qualify attached. 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

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 have been in the same profession for 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed is 45%, borrower has a 29.51% which is 15.49 points below the guideline requirement.
0654706320 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX Other Costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 5.5 years with current employer

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  17.70 Months PITI reserves exceeds minimum 12 months required per guidelines
0242146111 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 signed page for 2016 1040s or E-signature. 3.25.19 - Client responded.Signed page for 2016 1040s attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current line of work in XXX for over 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.37% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $351,401.30.  Reserves required $3744 x 12 = $44,928

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 FICO
0242146111 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 signed page for 2016 1040s or E-signature.  Compensating factors include:  8 yrs at current job,  15 yrs in same profession, 791 FICO, 36.37%  DTI  XXX considers non-material. 3.25.19 - Client responded.Signed page for 2016 1040s attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current line of work in XXX for over 15 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.37% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $351,401.30.  Reserves required $3744 x 12 = $44,928

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 FICO
0570628118 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 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 2002, 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers median credit score is 783.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is 32.81%, which is 10.19% less than guideline max of 43.0%.
0797620565 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:  Credit report shows 0 x 30 for 39 months on prior mortgage which exceeds guideline requirements of 0 x 30 for 12 monthls

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $506,535.45. Reserves required $4,172.48 x 12 = $50,069.76
0147001294 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 with employer for 10 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.98% DTI below max 43% allowed
0886666993 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 Lender approved exception for housing history.  Per guidelines 12 months prior housing history required.  Lender compensating factors sufficient credit history, ability to save and low DTI.  XXX has reviewed and based on compensating factors determined exception to be non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.84 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.58% is below required maximum of 45%
0005210889 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked XXX at current job for over 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 10 years.
0904633332 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 Missing XXXXXX to support XXX reflecting borrower was a XXXXXXX from 8/3/15-5/31/17, prior to current employment since 6/13/17 to fulfill the 2 year employment history with no gaps more than 1 month. 3.18.19 - Client responded. Borrower has been employed in the same line of work over 3 years. Gap in employment from 8/03/15 - 5/31/17 borrower returned to XXXXXX (XXX) to obtain his XXXXXXXX. This gap did not affect employment stability or continuance. Base pay used to qualify. Underwriting notes attached. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.61% below guideline requirement of 43% by 17.39%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $59,354.88 or 15.04 months PITI.
0904633332 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 Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Approved Lender exception for "No mortgage/rental payment history. Compensating Factors: Lived with parents rent free/Low credit users/both borrowers have potential for increased earnings/Savings ability has been established/$12,000 in residual using base only. Clayton has reviewed and based on compensating factors considers non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.61% below guideline requirement of 43% by 17.39%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $59,354.88 or 15.04 months PITI.
0904633332 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 Missing XXXXXXXX to support XXX reflecting borrower was a XXXXXX from 8/3/15-5/31/17, prior to current employment since 6/13/17 to fulfill the 2 year employment history with no gaps more than 1 month; final 1003 only shows current employment >2yrs. Compensating factors include low credit user, savings ability, high residual income using base only, potential for increased earnings. Clayton considers non-material based on compensating factors. 3.18.19 - Client responded. Borrower has been employed in the same line of work over 3 years. Gap in employment from 8/03/15 - 5/31/17 borrower returned to XXXXXX (XXX) to obtain his XXXXXXXX. This gap did not affect employment stability or continuance. Base pay used to qualify. Underwriting notes attached. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.61% below guideline requirement of 43% by 17.39%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $59,354.88 or 15.04 months PITI.
0670861694 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 759 > guideline minimum is 680.
0579367651 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Other Costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized (No Data) (No Data) Hybrid Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 8 years in current XXX employed job.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers have 49 month mortgage history with no late payments.
0713987287 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 loan file is missing proof that the monthly mortgage payment contains escrows (properties taxes and homeowners  insurance)  for the primary residence on XXX with a monthly payment of $3384.   4.3.19 - Client responded. Lenders online payment record attached verifying PITI for XXX is $3384.02 and includes hazard insurance, school and county taxes. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for over 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0713987287 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 loan file is missing proof that the monthly mortgage payment contains escrows (properties taxes and homeowners  insurance)  for the primary residence on XXX with a monthly payment of $3384.   4.3.19 - Client responded. Lenders online payment record attached verifying PITI for XXX is $3384.02 and includes hazard insurance, school and county taxes. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for over 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 794 exceeds the guideline minimum of 720.
0717289696 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, co borrower score 752

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $173,850.14  in reserves, borrowers need $15,946.26 and $44,991.12 in reserves
0685722413 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:  20.70% DTI is below 43% max per guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 34 months PITI PCL reserves.
0492545377 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR/ RTC expiration is XX/XX/XXXX; earlier than 3 days. 2.15.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Notice of Right to Cancel has rescission end date of XXXXXXX; should be XXXXXX.  Per file documentation, funds disbursed on XXX, outside of statutory rescission period.  New Right to Cancel and LOX to borrower required to remedy defect.  Remediation requested.4.29.19 - Client responded. See NORTC and LOX. 2.15.19 - Exception remains. 4.29.19  Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have occupied the subject property for 16 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrowers have been XXX for 25 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.63%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $1,180,020.33  Reserves required $6406.15 x 12 = $76,873.44
0492545377 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 9209.81CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 8594.38CD: XXX-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 9329.63CD: XXX-1, Section: Calculating Cash to Close, Field: XXX Calculation, Value: 8714.20CD: XXX-2, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 8801.23CD: XXX-2, Section: Calculating Cash to Close, Field: XXX Calculation, Value: 8185.80. Difference is POC's of $615.43. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have occupied the subject property for 16 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrowers have been XXX for 25 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.63%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $1,180,020.33  Reserves required $6406.15 x 12 = $76,873.44
0492545377 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender Exception for Cash out of $486,341 exceeds maximum guidelines. Approved exception from lender based on low ratios, residual income and strong equity in real estate portfolio. Based on compensating factors considered non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have occupied the subject property for 16 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrowers have been XXX for 25 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.63%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $1,180,020.33  Reserves required $6406.15 x 12 = $76,873.44
0492545377 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender exception for XXX Loan aggregate is $XXXXXXX which exceeds G/L limit of $3MM. Lender approval exception based on Low ratios, strong residual income, conservative credit usage, ample assets after clsg. Based on compensating factors considered non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have occupied the subject property for 16 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrowers have been XXX for 25 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.63%, max allowed per G/L is 70%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $1,180,020.33  Reserves required $6406.15 x 12 = $76,873.44
0808820615 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 782 exceeds guideline by 82 points.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.50% is below guideline max LTV of 80%.
0460649715 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 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender approved exception for 36 months PCL required with 50% must be from non-retirement. The majority of documented assets are from retirement sources. $133,190.23 documented from non retirement, $215,088.66 required to fulfill 50% requirement. Compensating factors include equity in departing residence and high credit score. XXX has reviewed and determined exception to be non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Verified median FICO of 809. Minimum required 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current jobs 7.5 years.
0460649715 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 Hazard policy for XXX is a commercial policy and does not state the coverage amount. 4.3.19 - Client responded. Evidence of hazard insurance dated 02/22/2019 reflects policy written for $840,000 with replacement cost coverage that meets lender requirements.  Copy of insurance policy documentation attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Verified median FICO of 809. Minimum required 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current jobs 7.5 years.
0460649715 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 LTV/CLTV Active B B B B CRDLTV3028 LTV Exceeds Guideline Requirement by 10% or more No Lender approved exception for maximum LTV for loan amounts above $2.5m us 70%. LTV is 80%, compensating factors include high credit scores, high equity in departing residence and good job time. XXX has reviewed and determined the exception to be non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Verified median FICO of 809. Minimum required 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current jobs 7.5 years.
0920322977 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 has been with current employer for over 11 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI of 30.26% is less than the guideline max.
0145656358 XXXXXX MD 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 provided in the file (dated XX/XX/XXXX)  is over 120 days prior to the note date (XXX) and is expired.  File is missing an updated credit report. 3.29.19 - Client responded. Per lender guidelines, a 10-day variance is allowed. Compensating factors; high level of residual income after all monthly debt considered, low qualifying ratios, documented savings pattern (substantial down payment), conservative use of consumer credit. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 814 is 94 points above the minimum required score of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 15.77 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  27.10 months PITI reserves; 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.43% DTI is below the maximum allowable DTI of 43%.
0506704302 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure is missing. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $73,304.04 PITIA reserves required for the subject transaction. Verified $305,025.70 or 49.93 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing subject residence for over 10 years
0506704302 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated XXX stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $10325.30 amount should be $9630.30 less $695 amount paid by the borrower before closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $73,304.04 PITIA reserves required for the subject transaction. Verified $305,025.70 or 49.93 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing subject residence for over 10 years
0506704302 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C 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 verification of 2/2019 payment for XXX #XXX and XXX #XXX. Missing 11/2018 - 2/2019 for XXX #XXX. Missing verification of mortgage payment history for XXX #XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $73,304.04 PITIA reserves required for the subject transaction. Verified $305,025.70 or 49.93 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing subject residence for over 10 years
0506704302 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Coverage amount of $797,280 is insufficient to cover loan amount of $XXXXXXX. Provide estimated cost to replace from insurance company to document sufficient coverage. HOI company not on matrix. 4.10.19 Lender response- "Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX / XXX(Special HO3 policy) and XXX details page attached (2 attachments).   4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $73,304.04 PITIA reserves required for the subject transaction. Verified $305,025.70 or 49.93 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at the existing subject residence for over 10 years
0691661647 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for 5.44 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 37.09%; guideline maximum is 43%.
0920671115 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers XX/XX/XXXX is not provided within 3 days of initial application XX/XX/XXXX (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.10 is below guideline requirements.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $126,069.70.  Reserves equal 17.72 months of PITI reserves and exceed required reserves ($7,092.48 x 12 = $85,109.76).
0624411875 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided within 3 days of the application date of XX/XX/XXXX.  Earliest 1003 in file is dated XX/XX/XXXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds the minimum guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 25 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 earns an average of last two years of $2,549.38 per month not used to qualify.
0624411875 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Final CD: XXX Section: Other Costs; (E) Taxes and Other Government Fees; Recording Fees are not Itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds the minimum guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 25 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 earns an average of last two years of $2,549.38 per month not used to qualify.
0624411875 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied 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 Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $702.00 for Appraisal Fee ($107.00) and Lender Credits/Lender Paid Fees Aggregate ($595.00) for Zero Tolerance fees.   3.19.19 - Client responded. Disagree. The Appraisal Fee increased to $722(from $615) and the Lender Credit of $675 was removed on the LE issued XX/XX/XXXX with a valid Change Circumstance of the loan amount increasing from $XXXXXX to $XXXXXX on XX/XX/XXXX.  The LE was disclosed to the borrower within the 3 day timing requirement (XX/XX/XXXX).    This is not a testing defect so corrective action is not required.  Copy of origination system RESPA Changed Circumstance History screenshot attached 3.19.19 Exception Satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds the minimum guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 25 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 earns an average of last two years of $2,549.38 per month not used to qualify.
0624411875 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Assets Active B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing the 10/30/18 bank statement from XXX. Per guidelines require two consecutive monthly bank statements; the November 2018 & September 2018 statements provided. Clayton deems non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds the minimum guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 25 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 earns an average of last two years of $2,549.38 per month not used to qualify.
0865489858 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:  Borrowers have excellent credit score of 803

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 82 months PCL reserves.
0830042526 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:  801/804 credit scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  94 months of PITI payments made as agreed.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55% LTV.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $555,136.11. = 164 months of PITI payments for the subject property.
0229247861 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 CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 62mos maximum required 12mos

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  35.23 months PITI reserves; 12 months PITI reserves required.
0002590855 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 Approved lender exception for insufficient  credit. The borrowers do not have enough established credit depth to meet XXX minimum credit requirements. Compensating factors used to approve exception: Strong ATR profile, low DTI 23 / 24% ratios, and over 17k month residual income, and stable employment. Clayton has reviewed and determined the exception to be non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been with the same Employer XXX for 7+ years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as an XXX for10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves 47 months or $305,690.80 which exceed guideline requirements.
0340862254 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date is XXX per final CD , ROR rescission period ends XXX , revised CD with corrected disbursement date required . Revised CD and LOX to borrower. 3.29.19 - Client responded. "Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.   Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Requested remediation." 4.29.19 - Client responded. See attached PC CD and LOX. PCCD reflects disbursement date of XXX.   3.29.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 12 years.
0340862254 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 The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section , lender includes POC fees of 522.43 in closing costs financed. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 12 years.
0777391772 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 18.42 years in her profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  741  exceeded the guideline requirement.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0163003238 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 as an XXX for 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of 17.22 months exceed guideline requirement of 12 months.

CFCFS2860: Good credit history
- Clayton Comments:  Credit report shows 0x30in 84 months for investment property.
0890717734 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 CD XXX and CD XXX Other Cost section,  (E) Recording fee not itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9.34 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  42.23 months PITI reserves; 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.65% DTI is below the maximum allowed DTI of 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of 680.
0890717734 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 CRDAST115 Cash reserves do not meet guidelines No Lender Approved Exception for minimum reserve liquidity requirement not met.  Guidelines allow retirement assets to be used to meet 50% of the transaction post-closing liquidity (PCL) requirements.  Total reserves required for subject loan are $71,525.04 which requires a minimum of 50%, or $35,762.52 in this case, to be liquid.  Total liquid assets available for reserves after closing is $28,039.17.  Compensating factors include low DTI of 27% and excellent residual income. Borrower shortfall is temporary as borrowers plan to sell departing residence. Clayton has reviewed and determined exception to be 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 with current employer for 9.34 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  42.23 months PITI reserves; 12 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.65% DTI is below the maximum allowed DTI of 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 is 124 points above the minimum required score of 680.
0920839739 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:  Borrower's LTV of 49.02% is 30.98% less than required 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 33.62% is 9.38% less than required 43%.
0359467164 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Debt obligations not disclosed: 1. Borrowers have one condo disclosed on the 1003 with HOA dues of $970.33 however, the XXX has multiple HOA payments: 07.03.18 $1,196.57 & $1,014.36. 08.02.18 $1,224.77 & $1,033.76. 08.01.18 $427.36. 10.02.18 $448.39. 10.03.18 $1,209.79 & $1,062.11. 11.01.18 $448.39. 11.05.18 $1,264.81 & $1,065.95. 12.03.18 $448.39. 12.04.18 $1,201.98 & $1,056.04. 2. Borrowers XXX reflect taxes paid to XXX on 11.20.18 $5,622.10 and 11.02.18 $4,167.67. The borrowers do not have any property in Florida per the 1003 or 1040s other than a property in Florida that was sold in 2017. Are these the taxes for the properties held under XXX? 3.19.19 - Client responded. On basis of IRS Form 1041 for years 2016 and 2017 (US Income Tax Return for Estates and Trusts) borrowers have real estate owned in XXX. Form 1041 attached for years 2016 and 2017. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  753 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,282,754.88.
0359467164 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $14,375.43. Review calculates total to be $13,745.00. Difference is POC of $630.43. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  753 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,282,754.88.
0359467164 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Credit Credit/Mtg History Satisfied C A C A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No 1. Borrowers have one condo disclosed on the 1003 with HOA dues of $970.33 however, the XXX has multiple HOA payments: 07.03.18 $1,196.57 & $1,014.36. 08.02.18 $1,224.77 & $1,033.76. 08.01.18 $427.36. 10.02.18 $448.39. 10.03.18 $1,209.79 & $1,062.11. 11.01.18 $448.39. 11.05.18 $1,264.81 & $1,065.95. 12.03.18 $448.39. 12.04.18 $1,201.98 & $1,056.04. 2. Borrowers XXX reflect taxes paid to XXX on 11.20.18 $5,622.10 and 11.02.18 $4,167.67. The borrowers do not have any property in Florida per the 1003 or 1040s other than a property in Florida that was sold in 2017. Are these the taxes for the properties held under XXX? 3.19.19 - Client responded. On basis of IRS Form 1041 for years 2016 and 2017 (US Income Tax Return for Estates and Trusts) borrowers have real estate owned in XXX. Form 1041 attached for years 2016 and 2017. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  753 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,282,754.88.
0359467164 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No Lender approved an exception to their guideline: "Purchase less 90 day cash than 90 days recoupment policy". Borrowers purchased the property for cash XX/XX/XXXX. This transaction for all cash out. See page 264 of the PDF. Compensating factors: Residual income: $38K. Min Residual requirement: NA. o DTI: 25.415% HDI: 11.152% Max DTI: 45%. Stability / Earnings trend: Stable. Cash: XXX Relationship: No. PCL requirement--Months: 18. Amount: $128,668. Actual PCL Months: 192. Amount: $1,379,584. Total verified liquid assets: $1,315,250. Cash to close: $0. Total liquid after CTC: $1,315,250. O Total verified Retirement: $390,730 gross. Retirement used for PCL: $64,334. Other assets listed, not used: $37,745 cash surrender value of life. Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  753 credit score.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,282,754.88.
0255481857 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. 3.28.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXXX. 3.28.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $205,675.39 or 54.38Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 17 years on current job
0616721084 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 the past 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0 x30 on all opened accounts.
0085062250 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing from the file. Provide copy of missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.86 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 786 is 86 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.36% is 7.64% less than required 43%.
0085062250 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D 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 Housing Counseling was provided on XX/XX/XXXX but 1003 is missing application date. 3.25.19 - Loan tracking reflects XX/XX/XXXX as initial application date. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.86 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 786 is 86 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.36% is 7.64% less than required 43%.
0085062250 XXXXXX NY 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 B A B A CMPTRID3476 TRID - Written List of Providers not provided or untimely No List of provider was provided on XX/XX/XXXX, Application is missing application date. 3.25.19 - Loan tracking reflects XX/XX/XXXX as initial application date. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.86 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 786 is 86 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.36% is 7.64% less than required 43%.
0085062250 XXXXXX NY 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 CMPTRID3552 TRID - Loan Estimate not timely No LE issued on XX/XX/XXXX, which is not within 3 days of the Application date of as its missing from 1003. 3.25.19 - Client responded. Disagree:  Pre-qualificaiton was completed on XX/XX/XXXX.  Reg B timers stopped on XX/XX/XXXX due to no property address.  On XX/XX/XXXX XXX was notified of purchase property address and Reg B and RESPA timer restarted.  On XX/XX/XXXX Initial LE and package #001 was provided via eDelivery.  See eTracking and Loan Notes attached.  No timing violation and no corrective action required. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.86 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 786 is 86 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.36% is 7.64% less than required 43%.
0085062250 XXXXXX NY 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 CRDAPP130 Application is incomplete No Application date missing from Initial Application. Date at bottom of 1003 is XX/XX/XXXX and is causing timing issues with TRID Docs. 3.25.19 - Client responded. See attached document showing when the first contact date was (XX/XX/XXXX). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 7.86 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 786 is 86 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.36% is 7.64% less than required 43%.
0724839375 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 an XXX for 5 years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrowers have owned departing residence for 6 years with no mortgage related late payments
0260264882 XXXXXX NY 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 WVOE with a breakdown of all income. Pay stubs in file have PP Guar income and RegAdjm income with varying amounts. Letter of explanation in file states retroactive raise was included but need documentation of what regular amounts will be. 3.29.19 - Client responded. XXX Payroll Earnings Code Chart attached. Once the document has been opened, rotate and enlarge (zoom). No WVOE was obtained. The monthly income used to qualify supported by 2016-17 W-2's, 2018 year-end paystub and current (YTD) paystub. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 5.64 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 811; 131 points above the guideline minimum of 680.
0260264882 XXXXXX NY 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 CRDINC2408 Income verification does not meet guidelines No Missing WVOE with a breakdown of all income. Pay stubs in file have PP Guar income and RegAdjm income with varying amounts. Letter of explanation in file states retroactive raise was included but need documentation of what regular amounts will be. 3.29.19 - Client responded. XXX Payroll Earnings Code Chart attached. Once the document has been opened, rotate and enlarge (zoom). No WVOE was obtained. The monthly income used to qualify supported by 2016-17 W-2's, 2018 year-end paystub and current (YTD) paystub. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 5.64 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 811; 131 points above the guideline minimum of 680.
0260264882 XXXXXX NY 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. 4.1.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 5.64 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 811; 131 points above the guideline minimum of 680.
0972221197 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:  primary wage earner mid score of 781 exceeds the guideline requirement of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7.3 years.
0670596400 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:  Borrower mid FICO score 751 exceeds minimum FICO of 700 by 51 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 21 years 11 months at current job.
0353870800 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. 4.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 808; 128 points above the minimum required score of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.27%; 22.73% below maximum allowed DTI of 43%.
0027825264 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 9273.43CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 8578.43. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the  eligibility matrix, the max LTV was 70%. The loan closed with an LTV of 57.403%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per the  eligibility matrix, the minimum credit score required was 720.  The qualifying credit score for the borrowers was 792.
0186041531 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:  Borrower has been employed with the current employer for 15.52 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 69.62% is below guidelines.
0652590805 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. 4.16.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.16.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 786; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 52.74%; max allowed LTV per guidelines is 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 25.60%; max allowed DTI per guidelines is 43%.
0939447400 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 Note on subordinated second lien for $XXX with XXX 3.25.19 - Client responded. XXX Home Equity Account Agreement and Disclosure Statement (Note) attached. 03.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 44 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 14 years.
0939447400 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 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing Note on subordinated second lien for $XXX with XXX 3.25.19 - Client responded. XXX Home Equity Account Agreement and Disclosure Statement (Note) attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 44 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 14 years.
0311023649 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 approved an exception for insufficient PCL.  Borrowers are $8,246.64 short non-retirement finds for the PCL reserve requirement per Non-Agency guidelines.  Maximum PCL from retirement is 50% or $24,922.74 ($4153.79x12=$49,845.48/2).  Current non-retirement reserves are $16676.10 + $24,922.74 retirement reserves = $41,598.84 in PCL reserves.Compensating factors include, XXXXXXX relationship, shortage can be made up with residual income in 1-2 months and B2 has very strong upward income potential.   Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 6 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 31.94%. Maximum DTI allowed 43.00%
0811967719 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. 4.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 6.26 years.
0430061451 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:  794 representative score exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves required are $48,352.08, borrowers have $137,621,37 in available reserves
0825087170 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guide line requirement at 37.89.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with no late payments, and fico score of 779.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has stable employment with 15 years at current job.
0735460483 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. 3.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 21 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  768  exceeded the guideline requirement of  680  by  88  points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0332255950 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:  Borrower has been at current residence for 8+ years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer XXX for 13 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report shows 0x30 for 29 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves $166,825.88 exceeds reserves requirement of $48,013.92.
0145166191 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Approved Lender exception for insufficient credit for borrower, 1 trade line. Compensating factors: Co-borrower FICO is over 740 at 803.  DTI will be lower if borrower 1 income is included in qualifying and will be lower once borrower 1 is XXXXXXX and working full time. Excellent equity in Co-borrower's primary residence, 10%LTV.borrower 2 has the financial ability to meet credit obligations. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Co borrower has been in primary residence for over 20 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on job for over 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  63.18  months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 803. minimum score for 5% LTV reduction with non occupant co borrower is 740
0218551022 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  4 years 0x30 mortgage reporting

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  809 qualifying FICO exceeds minimum required 740
0336609570 XXXXXX NY 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  Written VOE and application indicate XXX, but there is no documentation from XXX (on company's letterhead), disinterested third party or tax documents to confirm ownership is less than 25%. 3.25.19 - Client responded. The borrower is not an XXX or retains any ownership of XXX.  Borrower LOX and underwriting notes attached (2 attachments). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $336,857.15 or 67.04 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 exceeds guidelines.
0336609570 XXXXXX NY 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  Written VOE and application indicate XXX, but there is no documentation from XXX (on company's letterhead), disinterested third party or tax documents to confirm ownership is less than 25%.   Compensating factors include:  802 Rep FICO, and excessive reserves (12 months required, 67.04 months verified).  XXX considers as non-material based upon compensating factors. 3.25.19 - Client responded. The borrower is not an XXX or retains any ownership of XXX.  Borrower LOX and underwriting notes attached (2 attachments). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $336,857.15 or 67.04 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 802 exceeds guidelines.
0020910266 XXXXXX NY 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 Provide documentation to support PITI for REO listed on 1003.Per CR and 1003 monthly mortgage payment $3039, missing evidence that payment includes T&I. 4.9.19 - Client responded. Documentation to support monthly PITI payment of $3039 for REO (XXX) listed on 1003 includes T&I attached. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 796 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 57 months exceed guidelines 12months requirement.
0020910266 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide documentation to support PITI for REO listed on 1003.Per CR and 1003 monthly mortgage payment $3039, missing evidence that payment includes T&I. 4.9.19 - Client responded. Documentation to support monthly PITI payment of $3039 for REO (XXX) listed on 1003 includes T&I attached. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 796 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 57 months exceed guidelines 12months requirement.
0020910266 XXXXXX NY 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. 4.4.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 796 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 57 months exceed guidelines 12months requirement.
0862420092 XXXXXX CO 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:  Credit report shows rental rating of 20 months exceeding 12 month guideline.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 x 30 rental payment  history

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Paystub shows additional bonus income not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified case reserves of 23+ months exceed guidelines of 12 months.
0398601150 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 793 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.87 below guideline requirement.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance RESPA Satisfied B A B A CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Signed/dated initial application date is missing from file.  Application date of XX/XX/XXXX taken from credit report is more than three days prior to HO Counseling organization date of XX/XX/XXXX. 4.2.19 - Client responded. Disagree. Initial Loan Estimate was provided within 3 business days of application and is in compliance. Application date is XX/XX/XXXX. Initial Loan Estimate is dated XX/XX/XXXX. Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions. Copy of system evidence disclosing the "Real Deal (NSD)" or Application Date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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 LE XX/XX/XXXX and CD XXX-1 both received XXX-1 (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID3476 TRID - Written List of Providers not provided or untimely No Application missing date; CBR date XX/XX/XXXX; List of Providers issued XX/XX/XXXX 4.2.19 - Client responded. Disagree. Initial Loan Estimate was provided within 3 business days of application and is in compliance. Application date is XX/XX/XXXX. Initial Loan Estimate is dated XX/XX/XXXX. Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions. Copy of system evidence disclosing the "Real Deal (NSD)" or Application Date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3552 TRID - Loan Estimate not timely No Application missing date; CBR date XX/XX/XXXX; Initial LE issued XX/XX/XXXX 4.2.19 - Client responded. Disagree. Initial Loan Estimate was provided within 3 business days of application and is in compliance. Application date is XX/XX/XXXX. Initial Loan Estimate is dated XX/XX/XXXX. Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions. Copy of system evidence disclosing the "Real Deal (NSD)" or Application Date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD XXX received by borrower XXX; Loan Consummated XXX 4.2.19 - Client responded. Disagree.  The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by all consumers for a rescindable transaction on or prior to  XXX and, per XXX Retail Compliance team testing methodology, this is the same as an in hand delivery. Copy of origination system Documents and Packages page showing the Confirm date is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Assets Satisfied C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File No Final CD reflects gift from brother in the amount of $35,000.  Documentation of gift, including gift letter, donor ability and inclusion of the asset on 1003 is missing from file. Per approval, gift money was not used in qualifying. 4.1.19 - Client responded.   Lender guidelines state the loan file must evidence sufficient funds for down payment, closing costs and any required reserves. Borrower disclosed gift funds of $35,000 from brother, XXX, as an available asset; however, borrower had sufficient funds to meet down payment, closing costs and reserves on deposit with lender so gift funds were not needed or documentation obtained.  XXX savings verification ($200,012.73) and earnest money check ($22,750.00) attached along with large deposit sources.4.1.19 - XXX has reviewed and it is agreed that the borrower has sufficient funds without the 35 k gift. That being said a PCCD needs to be provided to remove the Gift funds from page 3 of the CD and reflect the true amount required at closing from the borrower. 5.21.19 - Client responded. See attached PC CD and LOX. 5.21.19 - XXX has reviewed and LOX to borrower as well as PCCD dated XXX provided to correct error. 4.1.19 - Exception remains. 5.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0726950450 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Lender approved exception; Borrower does not occupy property secured by mortgage on credit as he is a co-signer and obligation is paid by sibling.  Borrower currently lives rent-free with family and has no documentation of 12-month housing history.  Compensating factors are minimal use of credit and residual income. XXX has reviewed and determined the exception to be non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 680.  Representative credit score is 747.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 10 years in his profession.
0167769217 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 1. Missing 24 month mortgage history for non-subject property located at XXX CA XXX with XXX.2. Borrower receives commission and bonus income; commission income is more than 25% of earnings; per guidelines, missing evidence of receipt of commission and bonus income for 2 years with a WVOE or year end pay stub; file indicates lender used 2017 Year End pay stub, however, document is missing from loan file.   4.5.19 - Client responded. 1- 24-month mortgage history for non-subject property located at XXX was not required. XXX mortgage statement to verify current and year-to-date account information attached.  2- Underwriting notes and borrower correspondence (LOX) attached (2 attachments). 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $325,145.86 .  Reserves required $8,644.99 x 12 = $103,739.88.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 795 is 115 points above the minimum allowable credit score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 50.75% is 29.25 points below the maximum allowable LTV of 80%.
0167769217 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 7030.65 and  Clayton Calculation, Value: 6335.65 Values do not match - difference of 695.00 POC. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $325,145.86 .  Reserves required $8,644.99 x 12 = $103,739.88.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 795 is 115 points above the minimum allowable credit score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 50.75% is 29.25 points below the maximum allowable LTV of 80%.
0167769217 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 Credit/Mtg History Satisfied D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Missing 12 month mortgage history for non-subject property located at XXX CA XXX with XXX. 4.5.19 - Client responded. 12-month mortgage history for non-subject property located at XXX was not required. Recent XXX mortgage statement to verify current and year-to-date account information attached. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $325,145.86 .  Reserves required $8,644.99 x 12 = $103,739.88.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 795 is 115 points above the minimum allowable credit score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 50.75% is 29.25 points below the maximum allowable LTV of 80%.
0167769217 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Borrower receives commission and bonus income; commission income is more than 25% of earnings; per guidelines, missing evidence of receipt of commission and bonus income for 2 years with a WVOE or year end pay stub; file indicates lender used 2017 Year End pay stub, however, document is missing from loan file.   4.5.19 - Client responded. Underwriting notes and borrower correspondence (LOX) attached (2 attachments). 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $325,145.86 .  Reserves required $8,644.99 x 12 = $103,739.88.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 795 is 115 points above the minimum allowable credit score of 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 50.75% is 29.25 points below the maximum allowable LTV of 80%.
0894533372 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. 4.22.19- A Desk Review was received with a reported value of $XXXXX which supports the original appraised value of $XXXXXX. 4.22.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  725 qualifying score. Min required per guidelines is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 6 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years.
0550293660 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:  Maximum, DTI allowed 43%, current DTI 28.52%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 680, borrower score 796
0967471584 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing  Affiliate Business Disclosure.  Provide copy of missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 representative score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  34 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $555,100.45 = 98 months of PITI payments.
0967471584 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B 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 Seller Credits in the Calculating Cash to Close table is different from the value disclosed on the last LE LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: - Seller Credits, states -20   BUT CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Seller Credits - Loan Estimate, states  -80.00 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 representative score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  34 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $555,100.45 = 98 months of PITI payments.
0967471584 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B 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 Calculating Cash to Close table is different from the value disclosed on the last LE LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), $ 22667   BUT CD:XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, states $22139.00 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 representative score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  34 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $555,100.45 = 98 months of PITI payments.
0967471584 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B 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 Cash to Close table is different from the value disclosed on the last LE LE: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, states  $200147   BUT CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, states $199599.00 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 representative score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  34 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $555,100.45 = 98 months of PITI payments.
0967471584 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Property Valuations Property Active B B B B PRVAPROP241 Property Type unacceptable under guidelines No Lender Approved an exception to accept the property/Condo with 34.80% Commercial Usage & 13% single entity ownership. Per exception XXX has recommended approval. Exception found on page 255 of the PDF. Compensating factors include borrower having 34 years on job, 10 years in residence, and 98 months reserves. XXX has reviewed and determined the exception to be non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 representative score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  34 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $555,100.45 = 98 months of PITI payments.
0111720069 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD dated XXX indicated a Disbursement Date of XXX.  The Right to Cancel signed XXX has transaction date and Cancel dates changed and initialed by the borrower.  The last day to cancel is XXX.  Required LOX, PCCD and proof of Delivery. 4.1.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per final settlement statement, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Requesting remediation 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.1.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82,672.79  which is greater than required reserves of  $3518.30 x 12 = $42,219.60

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 37.48% below guideline requirement.
0283819700 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 Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758  qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.99%. Max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  25.13 months PITI reserves verified, max per guidelines is 12 months
0283819700 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX and XXX, 1) Loan Costs section C, missing valid Payee information for both title fees2) Other Costs section E, Missing breakdown of Recording Fee (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  758  qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.99%. Max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  25.13 months PITI reserves verified, max per guidelines is 12 months
0933179106 XXXXXX WI 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 B1 is XXX employed. Missing evidence to support the existence of the business. 3.29.19 - Client responded. Existence of the business attached. Borrower is XXX. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employment for 12.97 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 13.92 years.
0933179106 XXXXXX WI 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 B1 is XXX employed. Missing evidence to support the existence of the business. 3.29.19 - Client responded. Existence of the business attached. Borrower is XXX. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employment for 12.97 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 13.92 years.
0146276807 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, CD: XXX, and CD: XXX-Other costs, recording fees not itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has been in the same profession for the past 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The minimum credit score per guidelines is 680.  The orrowers  qualifying score is 752.
0193322530 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. 4.9.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $487,642.55 or 51.60 months PITI; 12 months reserves required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 28.42%; below guideline maximum of 43%.
0324502678 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 Application Satisfied D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No 1. Provide visa documentation for borrower 1 that is an acceptable visa class.  The visa in file is type R class B1/B2, which is not listed in the guidelines as an eligible visa. 2. Provide the back of the green card for borrower 2.   B2 assets are being used to qualify and guidelines require the front and back of the green card. 3.18.19 - Client responded. See attached B1 & B2 Resident Alien Card and Visa front and back. B1 XXX class is L-1, per guides L-1 is acceptable the R stands for Regular. All non-permanent resident aliens whose income and/or assets are being used to qualify for a loan must provide evidence of one of the following visa classes: L-1, XXX-company Transferee. A L-1 Visa is given to professional employees whose company's main office is in a foreign country. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 786.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their current profession for 15 years.
0324502678 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 C A C A CRDAST205 Insufficient Funds to Close No Loan file is short $49,927.15 liquid funds to close and reserves. Guidelines state the following:  The value of the asset at the time of liquidation and proof of liquidation is generally required; however, the underwriter may use judgment in requiring proof of liquidation. If judgment is used, it must be justified in decisioning notes. The underwriter must evaluate accessibility of the asset. No PCL exception is allowed if judgment is being used; otherwise, proof of liquidation is required. Lender notes do not stipulate if underwriter waived proof of liquidation. 3.19.19 - Client responded. No PCL exception was required. Liquid funds to close and reserves were sufficient. Summary of assets attached. 3.19.19 - Clayton has reviewed documents provided and meet required funds to close and reserves. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 786.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their current profession for 15 years.
0900238588 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:  35.13% DTI.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 42 months reserves after closing.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 11 and 12 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects 0x30x41 mortgage payment history.
0084889056 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No QM status declared. Lender to provide proof of PITIA is $5,112.12 month for XXX. 2.14.19 - Client responded.XXX is the sellers address from the pending loan transaction (XXX) to purchase a second home located at XXX. The proposed PITIA is now $5,741.11 (attached). The purchase agreement for this property attached. 2.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have 300 months reserves.
0084889056 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No Notary date on the MortgageXX/XX/XXXX , end of rescission should be the 12th , ROR shows XX/XX/XXXX. Reopen Rescission and provide borrower with entire Three (3) Day rescission period 2.14.19 - Client responded. Agree:  Loan consummation date is XXX, Notice of right to cancel has rescission end date XX/XX/XXXX, should be XX/XX/XXXX.  New Right to Cancel required to remedy defect. Remediation requested.4.29.19 - Client responded. See attached NORTC and LOX 2.14.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have 300 months reserves.
0084889056 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 10281.23CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 9586.23. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have 300 months reserves.
0084889056 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Lender to provide proof of PITIA is $5,112.12 month for XXX. 2.14.19 - Client responded. XXX is the sellers address from the pending loan transaction (XXX) to purchase a second home located at XXX. The proposed PITIA is now $5,741.11 (attached). The purchase agreement for this property attached. 2.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have 300 months reserves.
0689906490 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX: Section calculation cash to close; closing cost financed amount $4861.17 does not equate to the amount based on the Reg's formula. $ 4,166.17. The difference is $695.00 the amount of POC. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 35.96%, max allowed per G/L is 705

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 19 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $148,748.50.  Reserves required $4204.29 x 12 = $50,451.48
0689906490 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.22.19- A Desk Review was received with a reported value of $XXXXX which supports the original appraised value of $XXXXX. 4.22.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 35.96%, max allowed per G/L is 705

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for 19 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $148,748.50.  Reserves required $4204.29 x 12 = $50,451.48
0248695023 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period prior to disbursement of funds. 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 43.42% is below guidelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 representative score exceeds guideline requirement.
0248695023 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX.  Borrower did not receive full mandatory rescission period 3.20.19 - Client responded. Agree.  Statutory rescission period ended on XX/XX/XXXX and funds disbursed on XXX.  CD has incorrect per diem start date and disbursement date.   Post Consummation CD reflecting correct disbursement date and Per Diem start date required to remedy issue. Requesting remediation5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   3.20.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 43.42% is below guidelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 representative score exceeds guideline requirement.
0296207574 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 790 exceeds guideline requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 25 years
0384273331 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 evidence of B2 XXX business within 30 calendar days of closing date XXX. 3.20.19 - Client responded. Existence of B2 XXX (VOE) attached (2 attachments). B2 has been a XXX since March, 2006.   3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.85% DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 37 years.
0384273331 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 Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Approved Lender Exception for using retirement assets to meet up to 100% of the PCL requirement; B1 is of penalty free withdrawal age. Compensating factors used to approve exception: Low DTI 30.85%, $13,511.99 residual income, B1 time on job 11yrs w/ 37 in profession. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.85% DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 37 years.
0384273331 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 Satisfied B A B A CRDINC2488 Verbal verification of employment missing No Missing evidence of B2 XXX business within 30 calendar days of closing date XXX. 3.20.19 - Client responded. Existence of B2 XXX (VOE) attached (2 attachments). B2 has been a XXX since March, 2006.   3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.85% DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 37 years.
0384273331 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 Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing HELOC Note for $XXX; 2nd lien on subject transaction. 3.19.19 - Client responded. See attached Heloc Note for $XXX 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  30.85% DTI.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in his profession for 37 years.
0076560685 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD's XXX and XXX: Section Loan Cost; C. Title fees are missing a payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 40 months exceed guidelines of 12 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same company XXX for 5+ years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 24.42+ months' exceed guideline requirements of 12 months
0417558080 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 proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed and dated by borrower. 3.18.19 - Client responded. See attached Closing Disclosure and the Title Policy showing XXX has been paid off. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked XXX at current job for over 8 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has over 26 months of current mortgage history with no lates.
0417558080 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 CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of subordinated 2nd lien Note with XXX 3.18.19 - Client responded. There is no 2nd lien Note for this file. Please see the attached terms and conditions and the Subordination Agreement. This was for the XXX. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked XXX at current job for over 8 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has over 26 months of current mortgage history with no lates.
0417558080 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 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, authorization to close account signed and dated by borrower. 3.18.19 - Client responded. See attached Closing Disclosure and the Title Policy showing XXX has been paid off. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked XXX at current job for over 8 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has over 26 months of current mortgage history with no lates.
0935785547 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:  775 Credit score exceeds minimum 680 per guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.37% DTI is below 43% maximum per guidelines.
0883856683 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:  Mid score of primary wage earner of 792 exceeds guideline requirements of 680.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has additional stock income not used to qualify.
0153649825 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Missing final executed 4506-T. Per lender guidelines,  All borrowers to execute an IRS form 4506-T at loan closing. Only the initial 4506-T is in file signed and dated XX/XX/XXXX.   Compensating factors include:  Stable employment (12+ years with same employer, 15+ years in same profession),  ample reserves (43+ months verified), and good pattern of savings (additional documented reserves that not used in the transaction).  Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as XXX for 15 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer XXX for 12+ years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 43+ months exceeds guidelines of 12 months.

CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower has approximately $500,000.00 in reserves documented in the file, not used in origination.
0844836991 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:  Mid score of Primary ware earner is 802; exceeds guideline requirement.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% is below guideline requirements.
0615263099 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 777 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 14 years 3 months at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close reserves $495,724.52 - 12 months reserves required ($4,277.54 x 12 = $51,330.48).
0049446055 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Co-Borrower VVOE dated XX/XX/XXXX is 23 days from Note date XXX exceed max allowed 20 business days prior to the Note date. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 768 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 20 months  exceed guidelines
0734820031 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 MA Borrower Interest worksheet missing. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 representative credit score exceeds guideline.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  45 months or mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($3,314.86 X 12 = $39,778.32). Post-Closing Reserves $373,521.55 .
0734820031 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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 XXX Closing Costs financed (paid from you loan amount) value is $6454.37. Review calculates total to be $5930.94. Difference is POCs of $523.43. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 representative credit score exceeds guideline.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  45 months or mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($3,314.86 X 12 = $39,778.32). Post-Closing Reserves $373,521.55 .
0664124008 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 documentation to verify the PITI is $1,766.00 monthly on the XXX property. Verification of non-subject PITI and HOA ($600/12 = $50/mo) for property XXX attached (3 attachments). Monthly payment includes escrow for taxes and insurance.    4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 representative credit scores exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made to XXX as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $69,308.42 = 20.66 months of PITIA.
0664124008 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 DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No XXX - Provide documentation to verify the PITI is $1,766.00 monthly. 4.10.19 Lender response- Verification of non-subject PITI and HOA ($600/12 = $50/mo) for property XXX attached (3 attachments). Monthly payment includes escrow for taxes and insurance.    4.10.19 Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 representative credit scores exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made to XXX as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $69,308.42 = 20.66 months of PITIA.
0858113849 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  728 Credit Score exceeds required score of 680 by 48 points.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  36 months of mortgage payments made as agreed.
0360466483 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active C B C B CRDTER3262 Property issues indicated No Original exception cancelled as it was under property values and this should be a credit exception: Approved Lender Exception for Condo Mortgagee responsible for greater than 6 months HOA dues in the event of foreclosure or in deed of lieu of foreclosure. Condo project has been approved by XXXXXXX. Compensating factors: Payment history indicates strong credit character and propensity to repay obligations. Residual income = $XXXXXX to offset payment shock & contribute towards savings. Borrower has established 5 years' history of residence, employment and credit. Clayton has reviewed and based on compensating factors considers non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $107,720.25.  Reserves required $3,472.16 x 12 = $41,665.92.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.70% is 6.3 points below the maximum allowable DTI of 43%.
0068517385 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 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:  183 months PITI reserves; 12 months PITI reserves required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 67mos maximum required 12mos
0068517385 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No CD dated: XXX Disbursement date is XXX. 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  183 months PITI reserves; 12 months PITI reserves required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 67mos maximum required 12mos
0068517385 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD dated: XXX Disbursement date & Expiration Date is XXX. 3.25.19 - Client responded. Agree:  CD indicates disbursement date XXX and Per diem start date XXX.  Per ROR, disbursement date should be XXX.  Final Settlement indicates funds disbursed on XXX.  Post Consummation CD with correct disbursement date and per diem date required to remedy issue. 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   3.25.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  183 months PITI reserves; 12 months PITI reserves required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 67mos maximum required 12mos
0068517385 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 7586.08CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 6950.65. Difference is POC's of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  183 months PITI reserves; 12 months PITI reserves required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 67mos maximum required 12mos
0068517385 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender approved exception for cash out over maximum;  Borrower's receive $706,920.47 at close.  Compensating factors used to approve exception: 32.82% DTI, 823 qual score, 183 months verified reserves, $29,004 residual monthly income. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  183 months PITI reserves; 12 months PITI reserves required.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 67mos maximum required 12mos
0049930050 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 lived at primary residence for over 7 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 6 years.
0787801020 XXXXXX MD 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 loan was closed with an LTV of 70%, which is 10% below the maximum allowed of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been at current job for over 9 years when only 2 years is required.
0727224080 XXXXXX IL 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 CRDCRMH104 Credit score below guidelines No Approved Lender Exception for 679 qualifying score is below the 680 min. Compensating factors used to approve exception: borrower has been with same employer for 17 years, low DTI 32.97%, good residual income of $11,728/mo. with increase in 2020 when alimony payments cease, prior mortgage payment history was paid as agreed.XXX considers 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 with the current employer for 16.88 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.97; guideline maximum is 43%.
0727224080 XXXXXX IL 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 of  $XXXXXX. 3.12.19- A Desk Review was received with a reported value of $ XXXXXX which supports the original appraised value of $ XXXXXX. 3.12.19 - 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 16.88 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.97; guideline maximum is 43%.
0542290102 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 same employment for 6.65 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 65.52% is 14.48% 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.
0141269567 XXXXXX MN 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 evidence that payment listed for Departing Residence located at XXX with XXX of $2740 per month includes escrows or provide evidence of Tax, Insurance and any HOA. Total payment used $2740+$ 56 HOA FEE +2ND $659.58 $3455.58 3.20.19 - Client responded. Total monthly PITI payment for departure residence located at XXX with XXX is $2740.81 to include escrows (attached). 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep FICO 730 exceed guideline requirement of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.53% DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $600,830.63  in total assets documented.  Effective amount is $449,422.74 , with liquid assets of $222,310.90 .  Post close reserves are $279,082.66.  Reserves required $4009.34 x 12 = $48,112.08.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrowers do not have any major mortgage related occurrences during the past two years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines
0141269567 XXXXXX MN 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 Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep FICO 730 exceed guideline requirement of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.53% DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $600,830.63  in total assets documented.  Effective amount is $449,422.74 , with liquid assets of $222,310.90 .  Post close reserves are $279,082.66.  Reserves required $4009.34 x 12 = $48,112.08.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrowers do not have any major mortgage related occurrences during the past two years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines
0141269567 XXXXXX MN 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 Missing evidence that payment listed for Departing Residence located at XXX with XXX of $2740 per month includes escrows or provide evidence of Tax, Insurance and any HOA. Total payment used $2740+$ 56 HOA FEE +2ND $659.58 $3455.58 Compensating factors include: Low DTI of 23.53%, Rep FICO of 730, Excellent credit history, no derogs and all trade lines paid as agreed; 0x30 mortgage history in the last 24 months. Clayton deems non-material based upon compensating factors. 3.20.19 - Client responded. Total monthly PITI payment for departure residence located at XXX with XXX is $2740.81 to include escrows (attached). 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Rep FICO 730 exceed guideline requirement of 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.53% DTI below guideline max of 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $600,830.63  in total assets documented.  Effective amount is $449,422.74 , with liquid assets of $222,310.90 .  Post close reserves are $279,082.66.  Reserves required $4009.34 x 12 = $48,112.08.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrowers do not have any major mortgage related occurrences during the past two years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines
0285283628 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 Legal Documents Active B B B B CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing a copy of the 2nd Lien HELOC with XXX, as is required per guidelines; UDS, 1008 and 1003s are incorrect in not including the HELOC payment and unpaid balance with the subject transaction.  An executed Subordination agreement has been provided and the HELOC shows on title evidence.  Comp factors include 804 qual score, 75 months 0x30 mortgage payment history, 22.58% DTI, 53.62% LTV, 34 months reserves, $24,730/mo. residual income.  Clayton considers non-material based on compensating factors.    (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 75 months of 0x30 mortgage payment history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 14 and 19 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score.
0285283628 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. 4.12.19- A Desk Review was received with a reported value of $ XXXXXXX which supports the original appraised value of $ XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 75 months of 0x30 mortgage payment history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 14 and 19 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 qualifying score.
0788552326 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 806 exceeds guidelines 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years 1 month at current job

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.72% DTI is below the maximum of 43%
0839671251 XXXXXX WA 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 evidence of Stock Price of $123 per share used in income  qualifying. Missing evidence of HOA fee in the amount of $433.00 per month for vacating property located at XXX. 3.13.19 - Client responded. 1- Evidence of XXX stock price of $123.02 per share (52-wk low) used in income qualifying attached.  2- Evidence of HOA in the amount of $433.88 per month for vacating property located at XXX attached with ledger and 2 months transaction history. Monthly HOA increased from $419.67 to $433.88 in 2019.     3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $317,528.30 or 55.72 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines 680 by 103 points
0839671251 XXXXXX WA 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 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 L of the Summaries Transaction section LINE 4 SHOWS CASH CREDIT OF 4562.82 and is included on the cash to close table under adj/credits . Please provided a revised CD that moves this credit to other credits section of L . Revised CD and LOX to borrower. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $317,528.30 or 55.72 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines 680 by 103 points
0839671251 XXXXXX WA 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 evidence of HOA fee in the amount of $433.00 per month for vacating property located at XXX. Compensating factors include qualifying score of 783, 0x30x37 mortgage payment history, all accts paid as agreed, 55 mo. cash reserves.  Clayton considers non-material based on compensating factors.    3.13.19 - Client responded.Evidence of HOA in the amount of $433.88 per month for vacating property located at XXX attached with ledger and 2 months transaction history. Monthly HOA increased from $419.67 to $433.88 in 2019.      3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $317,528.30 or 55.72 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines 680 by 103 points
0839671251 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B C A A A D B D B C A A A D B Credit Income/Employment Satisfied B A B A CRDINC3204 Income Documentation Missing No Missing evidence of Stock Price of $123 per share used in income qualifying.  Compensating factors include qualifying score of 783, 0x30x37 mortgage payment history, all accts paid as agreed, 55 mo. cash reserves.  Clayton considers non-material based on compensating factors.    3.13.19 - Client responded. Evidence of XXX stock price of $123.02 per share (52-wk low) used in income qualifying attached. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $317,528.30 or 55.72 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines 680 by 103 points
0839671251 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B C A A A D B D B C A A A D B Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Provide proof of insurance with adequate coverage amount.  XXX Insurance policy coverage is $534,000; Per Note loan amount is $XXXXXX coverage is insufficient.... XXX not in Hazard Insurance Replacement Cost Matrix and no estimate of Cost New on Appraisal. 3.13.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. HO-3 policy and XXX Hazard Insurance details page attached (2 attachments).   3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $317,528.30 or 55.72 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 783 exceeds guidelines 680 by 103 points
0354477319 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No The finance charge is under disclosed by $-2133.97. The following fees were applied towards APR: Processing fee $120, Lock in $1230, recording fee $15, prepaid interest $ 26.33.34. PCCD correct error. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment at XXX as XXX for the past 10.41 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has had significant time in profession as XXX for 11 years.
0354477319 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Disclosed  Financed Amount $982,073.63 is higher than XXX $979,939.66. The difference is $2133.97. PCCD corrects error. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment at XXX as XXX for the past 10.41 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has had significant time in profession as XXX for 11 years.
0354477319 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX-1, Section: Loan Costs Section B,  Title fees missing payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment at XXX as XXX for the past 10.41 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has had significant time in profession as XXX for 11 years.
0354477319 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Approved lender exception noted on UDS dated XX/XX/XXXX for 3 months PCL reduction.  Per final CD dated XXX, the initial CTC was $20,618.63 with $56,168.22 in liquid verified after deductions to balances required by UDS and only $35,549.59 PCL available from non-retirement accounts (20618.63 + 3996.58 + 1540- 57497.96- 4206.84).  PCL requirement is 6333.78 * 12= $76,005.36/2= $38,002.68 making the borrowers $2453.09 short of PCL requirement.  Most recent PCCD dated XXX reflects CTC $15,608.77 which makes the borrowers have the required PCL from a non-retirement account.  Compensating factors used to approve exception: rate reduced by 0.5%, overall housing reduced by approx. $750/mo., B1 with current employer for 10 years, B2 has positive income not required for qualifying, $26,415/mo. residual income, no adverse credit since oldest trade line from 2001 and meet the willingness and ability to repay.  XXX considers 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 stable employment at XXX as XXX for the past 10.41 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has had significant time in profession as XXX for 11 years.
0354477319 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   4.11.19- A Field Review was received with a reported value of $ XXXXXX which supports the original appraised value of $ XXXXXX. 4.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment at XXX as XXX for the past 10.41 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has had significant time in profession as XXX for 11 years.
0071669503 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date is on/before disclosed "midnight of" date Per Final CD XXX Disbursement date is XXX and PER ROR expiration is XX/XX/XXXX 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments in the last 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.
0071669503 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date is before end of statutory rescission period Per Final CD XXX Disbursement date is XXX and PER ROR expiration is XXXXXX 3.25.19 - Client responded. Agree.  Statutory rescission period ended on  XX/XX/XXXXand funds disbursed on  XX/XX/XXXX.  CD has incorrect per diem start date and disbursement date.   Post Consummation CD reflecting correct disbursement date and Per Diem start date required to remedy issue. Requested remediation.5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   3.25.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments in the last 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.
0761801124 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A C A D A D B D A C B D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing a copy of the borrower's 2017 1040 tax returns. 4.5.19 - Client responded. 2017 1040 tax returns were not obtained. Per non agency guidelines, acceptable documentation includes tax returns and/or award letters when grossing up non-taxable income. Documentation used to calculate pension and social security income attached to include bank statements. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current home for 26.43 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 30.23 years.
0761801124 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A C A D A D B D A C B D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Lender to provide a copy of the borrower's signed 2017 1040 tax returns to verify non-taxable pension and social security income to support grossing up B2 social security and pension income. 4.5.19 - Client responded. 2017 1040 tax returns were not obtained. Per non agency guidelines, acceptable documentation includes tax returns and/or award letters when grossing up non-taxable income. Documentation used to calculate pension and social security income attached to include bank statements. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current home for 26.43 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 30.23 years.
0761801124 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A C A D A D B D A C B D A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No A desk review was received with a reported value XXXXXX which was a variance of -XXXX% less than the original appraised value of XXXXXX. A field review has been ordered. 4.15.19- A Field Review was received with a reported value of $ XXXXXX which supports the original appraised value of $ XXXXXX. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  No late mortgage payments in the past 24 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current home for 26.43 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 have been on current job for 30.23 years.
0376728992 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 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 Refinance With Original Creditor; should be H-9 for lender-to-lender. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  52.52 ($175,237.87) months PITI reserves; 12 ($42,264.72) months PITI reserves required.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with employer for 12 years
0419659281 XXXXXX CO 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 the following documents to Perform ATR/QM Review: 1) Missing a legible copy of the Borrower's current 30 day YTD pay stubs. 3.20.19 - Client responded. Legible 30 day YTD paystub attached. Continue to enlarge (zoom) the paystub once the document has been opened. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 768; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 55%; max allowed LTV per guidelines is 80%.
0419659281 XXXXXX CO 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 CRDINC2408 Income verification does not meet guidelines No The Borrower's 30 day YTD paystubs in the loan file are not legible enough to read. Missing a copy of more legible current 30 day YTD pay stubs.   Compensating factors include:  Low LTV (55%),  768 rep FICO, Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.  XXX considers non-material based upon compensating factors. 03.20.19 - Client responded. Legible 30 day YTD paystub attached. Continue to enlarge (zoom) the paystub once the document has been opened. 3.20.19  - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 768; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is at 55%; max allowed LTV per guidelines is 80%.
0840173134 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 Missing verification of PITI for REO located at XXX. 3.28.19 - Client responded. Credit Report (pg 5 - trade 3), XXX of Credit (pg 44 - summary), Homeowners Policy (pg 45) and Property Tax Payment Inquiry attached (2 attachments) to verify all components of non-subject PITI for REO located at XXX. 3.28.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 70%. The loan closed with an LTV of 53.191%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report dated 12/28/2018 0x30 for 84 months review.
0840173134 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 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 CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 70%. The loan closed with an LTV of 53.191%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report dated 12/28/2018 0x30 for 84 months review.
0840173134 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 B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Lender approved exception for number of financed properties exceeded limit.  Per guidelines maximum number of financed properties is 4.  Lender compensating factors are subject low LTV 53.19%,abundance of PCL greater than 50%, low DTI 22.37%.  Clayton has reviewed and based on compensating factors determined exception to be non-material. 3.28.19 - Client responded. LVAM approved exception - Multiple financed properties is more than 4. Exception approved under the PCO delegated authority. 3.28.19 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 70%. The loan closed with an LTV of 53.191%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report dated 12/28/2018 0x30 for 84 months review.
0840173134 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 DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for REO located at XXX. 3.28.19 - Client responded. Credit Report (pg 5 - trade 3), XXX of Credit (pg 44 - summary), Homeowners Policy (pg 45) and Property Tax Payment Inquiry attached (2 attachments) to verify all components of non-subject PITI for REO located at XXX 3.28.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Per the eligibility matrix, the max LTV was 70%. The loan closed with an LTV of 53.191%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report dated 12/28/2018 0x30 for 84 months review.
0065526619 XXXXXX GA 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 CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No The list of homeowners counseling organizations is not in the file. (No Data) (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Representative credit score 819. Minimum credit score for this program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $120239.87.  Reserves required $3,448.17 x 12 = $41,378.04. Additional 6 months required for departure residence-$1,910.55 x 6 = $11,463.30 = $52,841.34
0065526619 XXXXXX GA 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 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Lender approved exception for Use of Business Funds for Down Payment, Closing Costs or Reserves. Compensating factors include:  Transaction is a purchase of a primary residence at 80% LTV. XXXXXX has been in current Residence since 2006.He is moving into a bigger home in the Neighboring town as he needs bigger space to live. He will be renting out the existing home after settlement of subject property. B1 owns his existing home paying a mortgage of 1689.00 perMonth, and is expecting to get rental income of about 2200.00 on the departing home which  give a positive cash flow, however the rental income is not considered for qualification purposes as borrower has no prior rental history, borrower was writing off part of the home under his business but not considered a true rental, but using as an offset as once borrower moves into subject he will be renting out the departure. PCO review is required due to use of business funds for PCL, borrower has personal funds to meet cash to close, borrower has personal funds of 140908 and cash to close is 136021. Business funds are ONLY being used to meet PCL requirements. PCO is approving exception for use of business funds for PCL as borrower is not a 100% owner of business, reviewed with lending manager, XXX and within PCO space to decision due borrower not being 100% owner of business. Business is a XXX  the business is nothing but himself with very minimal overhead and costs, wife holds a very minor role in business and is not on the loan. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Representative credit score 819. Minimum credit score for this program is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for 5 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $120239.87.  Reserves required $3,448.17 x 12 = $41,378.04. Additional 6 months required for departure residence-$1,910.55 x 6 = $11,463.30 = $52,841.34
0564776831 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 24 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 69.95% is 10.05% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 773 is 73 points higher than required 700.
0820264864 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 749 exceeds guideline requirement of 720

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has stable credit history not overextended in debt
0510795974 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 VOEs for both borrowers and or VOE of Business Entities.   B1 and B2 are both XXX Employed borrowers with XXX. 3.29.19 - Client responded. Existence for both business entities for B1 and B2 attached.   3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked XXX employed at current job for over 7 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX employed at current job for over 4.5 years.
0510795974 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 CRDINC2488 Verbal verification of employment missing No Missing VOEs for both borrowers and or VOEs for Business Entities.   B1 and B2 are both XXX Employed borrowers with XXX. 3.29.19 - Client responded. Existence for both business entities for B1 and B2 attached.   3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked XXX employed at current job for over 7 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX employed at current job for over 4.5 years.
0670484986 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 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 4.3.19 - Client responded. Underwriting notes attached. Since there was difficulty in obtaining rental payment history from the prior landlord from January - July of 2018, lender used the mortgage history from the Credit Report (5/2016 - 9/2018) and bank statements to verify rental payment history from August of 2018 - January of 2019 to satisfy the 12-month housing payment history requirement. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 Credit Score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $73,540Verified Assets $189,241
0509565523 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 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.   3.29.19- A Field Review was received with a reported value of $ XXXXXX which supports the original appraised value of $ XXXXXX. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 765 exceeds guidelines requirements.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 11 years.
0949102647 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 as an XXX for 4 + years

CFCFS2860: Good credit history
- Clayton Comments:  0x30 on all accounts showing on the credit report.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 26.85% is below guideline requirement of 45.00%
0706550001 XXXXXX VA 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 (1)  Missing Proof of PITI for the property located at XXX, XX (Purchase of 2nd home). 3.13.19 - Client responded. Proof of PITI and HOA ($613 monthly) for the property located at XXX XX attached (2 attachments). 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has YTD corporate bonuses of $159,700 per paystub ending 12/15/18 which was not used in the income calculation.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.Co-Borrower has been in the same profession for 20 years.
0706550001 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B B A D A D B D B B A D 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 XXX: Section Calculation Cash to Close; Closing Costs Financed value $7378.84 does not equate to the amount based on the Reg's formula $6756.41. The difference is $622.43 the closing cost paid before closing. (No Data) (No Data) Numeric Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has YTD corporate bonuses of $159,700 per paystub ending 12/15/18 which was not used in the income calculation.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.Co-Borrower has been in the same profession for 20 years.
0706550001 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B B A D A D B D B B A D A D B Credit DTI Satisfied B A B A CRDDTI2540 Missing verification of some or all components of non-subject PITI No (1)  Missing Proof of PITI for the property located at XXX (Purchase of 2nd home).Clayton considers non-material based on compensating factors 3.13.19 - Client responded. Proof of PITI and HOA ($613 monthly) for the property located at XXX attached (2 attachments). 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has YTD corporate bonuses of $159,700 per paystub ending 12/15/18 which was not used in the income calculation.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.Co-Borrower has been in the same profession for 20 years.
0706550001 XXXXXX VA 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 the original appraised value. 3.8.19- A Desk Review was received with a reported value of $ XXXXXX which supports the original appraised value of $ XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  B2 has YTD corporate bonuses of $159,700 per paystub ending 12/15/18 which was not used in the income calculation.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.Co-Borrower has been in the same profession for 20 years.
0419536250 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance Borrower's Interest Satisfied B A B A CMPBI1623 MA Borrower Interest; Worksheet missing No Missing the MA Borrower Interest Worksheet 03.25.19 - Client responded. Disagree:  see attached tangible benefit analysis.  Includes current and proposed loan details. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 qualifying score. Min required per guidelines is 720.
0419536250 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance Borrower's Interest Satisfied C A C A CMPBI1603 MA Borrower Interest-outside safe harbor-not Clayton approved No Missing the MA Borrower Interest Worksheet and prior loan terms documentation. 03.25.19 - Client responded. Disagree:  see attached tangible benefit analysis.  Includes current and proposed loan details. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 qualifying score. Min required per guidelines is 720.
0414579883 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:  Mortgage payment history as per credit report 36 months exceed guideline requirement of 12 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $355,578.96. Required reserves $4,110.39 *12  = $49,324.68

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at the same company XXX for 7+ years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX for 7 + years.
0923010322 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 PCCD XXX Section Calculation Cash to Close financed amount is off by $ 510.43 the amount of closing cost paid before closing. Lender has $6045.44 actual calculation is $5535.01 (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.45%. Max LTV is 80%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Overall good mortgage history since 4/2003. Isolated late 1x30 9/2017

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Mortgage payment reduction of approximately 29.51%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  255.09  months in reserves. 12 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in home for 19.98 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on job for over 33 years
0923010322 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 Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Approved lender exception for credit score below 680. Compensating factors: Overall good mortgage history since 4/2003 with one isolated 1x30 9/2017. Lowering housing payment to $1337 per month. Low DTI at 35.41% and Low LTV at 45.45%. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.45%. Max LTV is 80%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Overall good mortgage history since 4/2003. Isolated late 1x30 9/2017

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Mortgage payment reduction of approximately 29.51%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  255.09  months in reserves. 12 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in home for 19.98 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on job for over 33 years
0923010322 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 Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing signed 4506 T from closing. (initial signed 4506 T in file). Required per Non-Agency UW Guidelines. 3.18.19 - Client responded. Signed 4506-T from closing attached. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 45.45%. Max LTV is 80%.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Overall good mortgage history since 4/2003. Isolated late 1x30 9/2017

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Mortgage payment reduction of approximately 29.51%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  255.09  months in reserves. 12 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been in home for 19.98 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been on job for over 33 years
0024864948 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 9.75 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.58%; guideline maximum is 43%.
0130624364 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:  liquid assets of $42,598.13.  Post close reserves are $214,634.38 Required reserves : $57,698.28 ($4808.19x12).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 36.91% below guideline requirement
0751678738 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD: XXX -Borrower acknowledgement of receipt missing for initial C.D. 4.10.19 - Client Responded - Client provided proof of delivery of Initial CD. 4.10.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 Credit Score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $69,931Verified Assets $225,777

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.41% DTI
0751678738 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No XXX Hazard policy does not include the Form Number Information reflected on the Hazard Insurance Replacement Cost Chart; Loan amount of $XXX and policy coverage of $545,698 and appraisal total estimate of cost-new is $XXXXXX. 4.9.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX attached 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788 Credit Score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $69,931Verified Assets $225,777

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.41% DTI
0667799847 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 PC CD dated XXX Loan calculation section corrected and matches pay stream calculation for finance charges . Exception Satisfied (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 806; minimum required credit score per guidelines is 720.

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 20.62%; max allowed DTI per guidelines is 43%.
0667799847 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 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Please see exception CMPFINT106. Exception satisfied (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 806; minimum required credit score per guidelines is 720.

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 20.62%; max allowed DTI per guidelines is 43%.
0667799847 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4789.59However  Section: Calculating Cash to Close, Field: Reviewer Calculation, $ 4154.16****difference is preapaids $635.43. Corrected on PC CD dated XXX. Exception Satisfied (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 806; minimum required credit score per guidelines is 720.

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 20.62%; max allowed DTI per guidelines is 43%.
0667799847 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 Borrowers are $16,861 short non-retirement funds for the PCL reserve requirement per Non Agency guides (pg. 180); $10764.67 CTC - $39,700.89 non-retirement accts= $28,936.22 remaining from non-retirement accts for PCL reserves.  (PITI $7,632.87 * 12= $91,594.44 required)*50%= $45,797.22 PCL allowed from retirement accts.  Per UDS lender waived the PCL requirement for r/t refi of existing XXX HFI loans that lower rate and monthly payment.  Compensating factors include 20.62% DTI, 806 qual score, $30,771/mo. residual income.  XXX considers non-material based on compensating factors.         (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 806; minimum required credit score per guidelines is 720.

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 20.62%; max allowed DTI per guidelines is 43%.
0667799847 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 VOR form from private individual landlord to accompany evidence of rent payments via bank transfers, as required per Non-Agency guides (pg. 190-191).  Compensating factors include 20.62% DTI, 806 qual score, $30,771/mo. residual income.  Clayton considers non-material based on compensating factors.         (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 806; minimum required credit score per guidelines is 720.

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 20.62%; max allowed DTI per guidelines is 43%.
0650007285 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 CMPTRID4239 TRID - CD: The CD Calculating Cash to Close (Alternative Version) CD column total does not equal its component parts No CD: XXX Calculating Cash to Close, Cash to Close shows $34265.44 ; calculated amount shows $34465.44. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for 18+ years with 20+ years in the industry.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Loan score of 733 exceeds minimum required score of 720 by 13 points.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  Cash-out refinance on property increases monthly payment only 3.85% from $3,441.02 to $3,579.01
0650007285 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 (Paid from Your Loan Amount) value of $9960.73 disclosed on the Calculating Cash to Close table of CD XXX does not equal the review calculation of $9470.30. The Closing Costs Financed (Paid from Your Loan Amount) value of $12567.18 disclosed on the Calculating Cash to Close table of CD XXX does not equal the review calculation of $12056.75. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at his current job for 18+ years with 20+ years in the industry.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Loan score of 733 exceeds minimum required score of 720 by 13 points.

CFCFS1747: Housing expense increase is 10% or less
- Clayton Comments:  Cash-out refinance on property increases monthly payment only 3.85% from $3,441.02 to $3,579.01
0980838415 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit 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 HELOC with XXX has been closed to future draws. XXX HELOC payoff provided is not signed by borrowers to close account. 3.29.19 - Client responded. See attached letter from XXXXXX  that shows the HELOC  loan closed 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 777 is 77 points above the minimum credit score for this program of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29.03% is 13.97% below program maximum of 43.00%.
0210134449 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 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 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement
0636904721 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 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 31 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 757 exceeds guidelines requirements.
0636904721 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XX/XX/XXXX Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -4423.00. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 31 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 757 exceeds guidelines requirements.
0011784068 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-2 Last CD Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $12468.53 and XXX Calculation, Value: $11773.53. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.09 DTI; Program max is 43 DTI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in profession for 20 yrs

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  45 months 0x30; program requires 12 mothns
0011784068 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Approved Lender exception for Borrower qualify score used 717, min score for cash-out refinance 720. Lender indicated Borrower profile supports approval with low C/LTV 41.94%  and DTI 39.09%, program max C/LTV 65% and max DTI 43%. XXX has reviewed and determined the exception to be non material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  39.09 DTI; Program max is 43 DTI

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in profession for 20 yrs

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  45 months 0x30; program requires 12 mothns
0404136133 XXXXXX CA 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 Paystub in file is illegible.  Need clear copy of paystub or written verification of employment with all income broken down. 3.29.19 - Client responded. Legible paystub(s) attached. Once the document has been opened, rotate the paystub and continue to enlarge (zoom) to increase legibility. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  27 years in current profession per application.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.56%.  Max allowed is 80%.
0404136133 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B C A A A D B D B C 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 CFCFS2854: Significant time in profession
- Clayton Comments:  27 years in current profession per application.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.56%.  Max allowed is 80%.
0404136133 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B C A A A D B D B C A A A D B Credit Income/Employment Satisfied C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Paystub in file is illegible.  Need clear copy of paystub or written verification of employment with all income broken down. 3.29.19 - Client responded. Legible paystub(s) attached. Once the document has been opened, rotate the paystub and continue to enlarge (zoom) to increase legibility. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  27 years in current profession per application.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  55.56%.  Max allowed is 80%.
0601746587 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 Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable 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 33.92% which is below guidelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 800 exceeds guidelines.
0030804047 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 documentation to verify monthly HOA dues are not more than $500.00 for property XXX. 3.20.19 - Client responded. Monthly HOA dues for property XXX are $500. Attached document used in verification was for property XXX that sold on XX/XX/XXXX (matching condo next door, same complex). 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  CB with current employer 4 years.
0030804047 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 Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Lender approved exception in file for borrowers having no mortgage or rental history. Lender compensating factors include credit established over 20 trade lines. Credit score 802. XXX deems non-material based on compensating factors. 3.20.19 - Client responded. LVAM approved exception - No mortgage/rental payment history. Exception approved under the PCO delegated authority. 3.20.19 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  CB with current employer 4 years.
0030804047 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 documentation to verify monthly HOA dues are not more than $500.00 for property XXX 3.20.19 - Client responded. Monthly HOA dues for property XXX are $500. Attached document used in verification was for property XXX that sold on XX/XX/XXXX (matching condo next door, same complex). 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 qualifying score. Min required per guidelines is 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  CB with current employer 4 years.
0051093887 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines 9.75 months, $48,327.48.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same field for 10 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers rented subject for 4.45 years.
0256465773 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:  789 representative score exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves of $279,921.46 exceeds guidelines.
0312353084 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. 3.27.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.27.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.65% DTI is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines
0914225725 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 Final CD XXX Section Calculation Cash to Close financed amount is off by $ 505.43 the amount of closing cost paid before closing. Lender has $3208.35 actual calculation is $2702.92 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX for 5 years 10 months per SOS verification in file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 9.25 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 53.69% is 26.31% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 794 is 94 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 39.45% , MAX DTI is  43%.
0914225725 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 CRDAST2670 Asset documentation is insufficient per guideline requirements No Lender approved exception for Use of Business Funds for Down Payment, Closing Costs or Reserves. Compensating factors include: Borrower is refinancing to lower interest rate from 4.75% to 4.125% lowering monthly housing approx. $154.42.P/m. Withdrawal of these funds would not have an adverse impact to daily operation of business. Borrower has been XXX for 5yrs and income appears to be stable and per 2018 Profit and loss income is trending up. Borrower has minimal use of credit and does not have previous mortgage repayment history, but all credit reported is paid as agreed.XXX considers 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 XXX for 5 years 10 months per SOS verification in file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 9.25 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 53.69% is 26.31% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 794 is 94 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 39.45% , MAX DTI is  43%.
0178398972 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  5.91 years at current job per application.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  17.19 years at current job per application.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $157,471.20.  $39,225.06 required.
0441165772 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 804 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 24.34% is below guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV at 65% is below guidelines requirement
0092905057 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:  778/786 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  44 months of mortgage payments made as agreed.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed 8 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 15 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $427,131.43. Required reserves $5,689.19  * 12  = $68,270.28.
0061935517 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 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 CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 14.56 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV  is 64.67%; guideline maximum is 80%.
0061935517 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 CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13442.56CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 12747.56. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 14.56 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV  is 64.67%; guideline maximum is 80%.
0061935517 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 Lender approved exception for a 3 month PCL reserves reduction as customers are short liquid PCL. Compensating factors are additional $100k in retirement assets that are not being used to qualify, customer has shown the ability to repay debt refinance which only slightly increases the monthly payment to $30.63 per month, the customer have strong residual income to support the ability to repay the debt . XXX has reviewed and considers non-material based on compensating factors of low LTV, significant residual income of $9428 (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the current employer for 14.56 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV  is 64.67%; guideline maximum is 80%.
0393259687 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No PCCD XXX Closing Costs financed (paid from you loan amount) value is $10319.97. Review calculates total to be $9684.54. Difference is POCs of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in their  Current  Residence for 17.06  years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has worked 29 years in her profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 37.93% is under the guideline requirement of  70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  811  exceeded the guideline requirement of  680  by  131  points.
0393259687 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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. 4.9.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.9.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in their  Current  Residence for 17.06  years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has worked 29 years in her profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 37.93% is under the guideline requirement of  70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  811  exceeded the guideline requirement of  680  by  131  points.
0775763170 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:  798 Credit Score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $81,122Verified Assets $433,377
0077963238 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX closing costs financed (paid from your loan amount) disclosed as -$2,354.73; review calculates total to be $2,114.30 a difference of $240.43. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 720.
0077963238 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Refers to all CDs: Loan Costs, section C payee names disclosed as "TBD", payee names should disclose entity being paid. Requires corrected PCCD, LOX and copy of shipping. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 qualifying score. Min required per guidelines is 720.
0115058155 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. 3.25.19 - 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 Model Form H-9 are substantially similar.3.25.19 - Clayton has reviewed and per the 9th Circuit Court which have not issued opinions on this issue. Clayton is relying upon its prior reasoning, as well as the fact that the majority of Circuits that have decided the issue agree, to grade this as a non-material exception. 3.25.19 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$174,698.98 in total assets documented.  Effective amount is $112,667.52, with liquid assets of $19,620.33.  Post close reserves are $112,667.52.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.57% is below company guideline requirement.
0115058155 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 Final CD XXX Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, $ 10404.85 however actual Calculation is $9894.42****difference is pre paid credit and appraisal $510.43 (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$174,698.98 in total assets documented.  Effective amount is $112,667.52, with liquid assets of $19,620.33.  Post close reserves are $112,667.52.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.57% is below company guideline requirement.
0372184595 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 Provide documentation that PITI of $2362/month for XXX includes taxes/insurance. 4.3.19 - Client responded. Verification of non-subject PITI payment for XXX attached. Monthly payment of $2362 includes taxes/insurance. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.48 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed for 6.6 years on current job
0372184595 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 DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide documentation that PITI of $2362/month for XXX includes taxes/insurance. 4.3.19 - Client responded. Verification of non-subject PITI payment for XXX attached. Monthly payment of $2362 includes taxes/insurance. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.48 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed for 6.6 years on current job
0975804091 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:  10 years with the same employer.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771/700 credit scores; minimum score 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $394,980.32 = 68 months of PITI payments.
0238910392 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 798 is 98 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 33.30% is 9.7% less than required 43%.
0148526759 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Application Active B B B B CRDAPP157 Application Not Signed by Primary Borrower No Missing the final 1003 signed by B1.  Compensating factors include:  Job stability (B1 has 33 yrs at current job), excellent credit (rep FICO of 806, low DTI (19.75%), and ample verified cash reserves.  XXX considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 806

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.75%, MAXIMUM 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 33 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total assets remaining after closing $46,549.78 + $501,632.91 = $548,182.69
0148526759 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Application Active B B B B CRDAPP227 Application Not Signed by Co-Borrower No Missing the final 1003 signed by B2.  Compensating factors include:  Job stability (B1 has 33 yrs at current job), excellent credit (rep FICO of 806, low DTI (19.75%), and ample verified cash reserves.  XXX considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 806

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.75%, MAXIMUM 45%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 33 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total assets remaining after closing $46,549.78 + $501,632.91 = $548,182.69
0910851586 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 The final CD in the file disclosed a Finance Charge of $1,155,798.75. The fees disclosed on the final CD resulted in a calculated Finance Charge of $1,154,838.75. PCCD dated XXX corrected error. Exception satsified. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 5 years 7 months stable employment history

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has paid primary mortgage since 10/2013 on time , no late payments
0910851586 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 CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No The final CD in the file disclosed a Amount Financed of $1,155,798.75The fees disclosed on the final CD resulted in a calculated Amount Financed of $1,154,838.75. PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 5 years 7 months stable employment history

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has paid primary mortgage since 10/2013 on time , no late payments
0910851586 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 Missing fully executed 4506T from Borrower 2 (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 5 years 7 months stable employment history

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has paid primary mortgage since 10/2013 on time , no late payments
0190582735 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 784 exceeds guidelines.
0311292383 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 Approved lender exception for using rents on departure residence to qualify w/out 2 year XXX. Compensating factors used to approve exception: LTV 75%, score of 797 and prior residence stability of 8 years with satisfactory mortgage history. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 exceeds guideline requirement of 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 12 years, stable employment history
0156866134 XXXXXX TN 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 Final CD XXX Section Calculation Cash to Close financed amount is off by $ 691.43 the amount of closing cost paid before closing. Lender has $9037.59 actual calculation is $8346.16 (No Data) (No Data) Numeric Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments in the last 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been  employed for 5.10  years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.
0156866134 XXXXXX TN 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 The loan file is missing EXECUTED evidence that the XXX HELOC is paid and closed to future draws. 3.18.19 - Client responded. See attached Title Policy showing no 2nd lien attached to the subject property and the Final Closing Disclosure showing that the 2nd mortgage was paid off at closing. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments in the last 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been  employed for 5.10  years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.
0156866134 XXXXXX TN 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. 3.14.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments in the last 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been  employed for 5.10  years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 20 years.
0839509253 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD XXX: Section Summaries of Transactions Section K - Line 4 Escrow Holdback Funs Lndr $16,588.70 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 K. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $83,700.96  (22.18 Months PITIA).  Reserves required $3,772.97 x 12 = $45,275.64

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's owned current residence 14 years.
0852793327 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 s core 777.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been on current job for 5 years and 6 months.
0957581754 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 current field.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in current profession for 10 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.17% below guideline of 80%.
0473131752 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. 3.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Cash Reserves in the amount of $169,800.14; PITI is  $4,431.00; 38.32 months PITI in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 35 years.
0906072210 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 CRDAST205 Insufficient Funds to Close No Provide evidence of liquidation for funds to close in the amount of $49,774.07. 3.20.19 - Client responded. Sufficient funds to close. Evidence of liquidation from XXX attached. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144,404.20 .  Reserves required $5,018.71 x 12 = $60,224.52.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.06% below guideline requirement of 43% by 11.94%
0816042228 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same Employer XXX., for 9+ years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 6+ years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $576,361.38. Reserves required $3,594.20 x 12 = $43,130.40
0026467196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $7719.92. Review calculates total to be $7704.49. Difference is POCs of $15.43. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed 43%, current DTI is 25.04%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower score is 797 exceeds guidelines.
0143070975 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No Final CD XXX Summaries of Transactions Section L  Line 4 Cash Credits/rebates and sales concession amount $46907.54 is included in the Adjustments and Other Credits Calculation in the CCTC Table. To be included in the Adjustments and Other Credits Calculation Cash Credits/Rebates must be moved to the 'Other Credits' Section of L. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 25%, max allowed 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower score of 814 exceeds guideline minimum  score of 720.
0317807553 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current employment for 8.6 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 7.83 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO score of 743 is 43 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 35.24% is 7.76% less than required 43%.
0645964260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A C B D B D B 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 CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15.24 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 740 is 20 points higher than required 720.
0645964260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A C B D B D B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No Final CD XXX Calculating Cash to Close, Closing Costs Financed (Paid from Your Loan Amount) amount stated as $10,402.24. However after review completed amount calculated to be $9,849.96 (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15.24 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 740 is 20 points higher than required 720.
0645964260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A C B D B D B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $126.50 zero tolerance due to decrease in Lender Credits from $5,343.00 to $5,216.50 on Final CD XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. All lender paid items and lender credit of $250 included in calculation. 3.20.19 - Client responded. Disagree: On XX/XX/XXXX the loan amount decreased from XXX to XXX. Lender credit decreased from $5343 to $5260(difference of $83).On XX/XX/XXXX loan amount decreased from XXX to XXX. Lender Credit decreased from $5260 to $5216.50(difference of $43.50). In each instance the lender credit was calculated at the comparable rate of the loan amount(XXXX). The changed circumstance was valid and provided within the required timeframe. Copy of origination system Changed Circumstance History screenshot attached. This is not a testing defect so corrective action is not required. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15.24 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 740 is 20 points higher than required 720.
0645964260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A C B D B D B A A C B Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Approved lender exception for short PCL reserve requirement. Per UDS, $0 CTC - $29,876.76 (from retirement used) - $25,639 (from liquid assets)= $55,515.76 reserves $59,753 required. Compensating factors used to approve exception: include increasing income for both, fixed rate, $740K+ in retirement and XXX accounts, close to $800K equity in subject located in strong market, residual income $9780.XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15.24 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 740 is 20 points higher than required 720.
0645964260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A C B D B D B A A C B Credit DTI Active B B B B CRDDTI105 Debt Ratio Exception 5% or Less No Approved lender exception for DTI ratio less than 1% over the max of 40% on portfolio cash out. Compensating factors include increasing income for both, fixed rate, $740K+ in retirement and XXX accounts, close to $800K equity in subject located in strong market, residual income $9780. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15.24 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 740 is 20 points higher than required 720.
0645964260 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A C B D B D B 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 The loan file is missing EXECUTED evidence that the XXX HELOC is paid and closed to future draws. 3.19.19 - Client responded. See attached Title Policy showing no 2nd with XXX attached to subject property(only a 2nd with XXX) and attached Closing Disclosure showing XXX was paid off at closing. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 15.24 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 740 is 20 points higher than required 720.
0589792923 XXXXXX WI QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business disclosure.  Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  19.11 years at current job per application.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75%.  Max allowed is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,188,551.99.  $65,696.85 required.
0683375545 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $4621.50 and  Clayton Calculation, Value: $3926.50. Difference is POC's of $695. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 48 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score = 796
0683375545 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 Approved Lender Exception for cash out on an O/O multifamily dwelling.  Compensating factors used to approve exception: 44.09% LTV, 40.23% DTI, 213 mo. reserves, $11.745/mo. residual income.  Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at residence = 48 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score = 796
0807261270 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO 779 exceeds minimum FICO required by 79 points.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 6 years in profession.
0499973780 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 evidence of $143.20 difference in payment stated on Final 1003 of $1,436.71 taxes and insurance payment vs. the $1,293.51 calculated for XXX.; Final 1003 reflects REO as townhouse and may include HOA fees which would have to be verified. 3.18.19 - Client responded. Non-subject (XXX) is a townhouse in XXXe. HOA dues $143.22 monthly.XXX bank statement attached verifying this payment XX/XX/XXXX (page 4). 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $132,799.56 reserves required for the subject transaction. Verified $485,293.45 or 43.85 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 6 years
0499973780 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 Missing evidence of $143.20 difference in payment stated on Final 1003 of $1,436.71 taxes and insurance payment vs. the $1,293.51 calculated for XXX.; Final 1003 reflects REO as townhouse and may include HOA fees which would have to be verified. Compensating factors include ability/willingness to repay with strong mortgage payment history, minimum revolving debt, strong employment history, high residual income. XXX considers non-material based on compensating factors. 3.18.19 - Client responded. Non-subject (XXX) is a townhouse in XXX. HOA dues $143.22 monthly. XXX bank statement attached verifying this payment XX/XX/XXXX (page 4). 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $132,799.56 reserves required for the subject transaction. Verified $485,293.45 or 43.85 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 6 years
0340526781 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No  CD XXX: Section Calculation Cash to close; The stated Closing Costs Financed amount $ 21,969.63 does not equate to the amount based on the Reg's formula $ 21,454.20. The difference is the amount of closing cost paid before closing $ 515.43. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  maximum DTI allowed 43%, current DTI is 9.66%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  minimum score allowed 720, borrower score is 786
0764915436 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliated Business Arrangement Disclosure missing. Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 18.19 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $580,735.77 exceed reserves required of $6186.68 x 12 =$74,240.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.39 is 12.61% below guideline maximum of 43%.
0764915436 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Credit Credit/Mtg History Active B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines No 2x30 days late in the past 12 months on mortage with XXX #XXX exceeds guidelines of 0x30.Lender approved exception for the derogatory mortgage history due to consolidating both liens reduces housing expense by $2250/month. 2x30 lates out of a 14 year loan history and due to travel and relo.  Borrower's have high residual income of $21K with low ratios. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 18.19 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $580,735.77 exceed reserves required of $6186.68 x 12 =$74,240.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.39 is 12.61% below guideline maximum of 43%.
0764915436 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   4.8.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 18.19 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $580,735.77 exceed reserves required of $6186.68 x 12 =$74,240.16

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.39 is 12.61% below guideline maximum of 43%.
0532937275 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 757 exceeds guidelines.
0590024883 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed value of $7570.89 does not equate to the amount based on the Reg's formula $6981.46. The amount is off by $589.43 closing Cost Paid before closing. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 15.12 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 8.21 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15.0 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 798  exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 29.74% is below guideline maximum.
0590024883 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 $ XXXXXX. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 15.12 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 8.21 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 15.0 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 798  exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 29.74% is below guideline maximum.
0169820906 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying credit score of 794 exceeds guideline requirements.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $141,183.40.  Reserves required $3,880.05 x 12= $46,560.60.
0910797370 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B B B D A B B D B B B D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No Final CD dated XXX- Closing Costs Financed (paid from your loan amount) included $623.43 which was the amount borrower paid outside of closing. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed for over 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 representative FICO exceeds minimum 720 required.
0910797370 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B B B D A B B D B B B D A B B Credit Legal Documents Active B B B B CRDLGL140 Missing subordination agreement for existing junior lien No 2nd lien subordination in file is a draft only; need fully executed agreement. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed for over 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 representative FICO exceeds minimum 720 required.
0910797370 XXXXXX NJ 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. 4.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  The co-borrower has been employed for over 5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 representative FICO exceeds minimum 720 required.
0204387951 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 same profession for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 759 is 59 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 24.05% is 18.95% less than required 43%.
0038757303 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 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:  Qualifying credit score 801. Minimum credit score required 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 26.31%. Maximum DTI allowed for subject transaction 43.00%
0038757303 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 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 XXX: Calculating Cash to Close Section, Closing Costs Financed - Final value $1,767.77 does not match the review's calculation is $1,132.34. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 801. Minimum credit score required 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 26.31%. Maximum DTI allowed for subject transaction 43.00%
0278733691 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Disbursement date is XXX.  Final CD indicates Disbursement date of XXX. Loan consummated on XXX.PCCD required with disbursement date of XXX. 4.5.19 - Client responded. Agree. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Remediation requested.5.8.19 - Client responded.   5/7/2019 see attached. LOX to borrower as well as PCCD dated XXX reflecting Disbursement date of XXX to correct error. 4.5.19 - Exception remains. 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at current address 28.28 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33% below guideline of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 784 below guideline of 720.
0278733691 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: XXX Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $7,296.94 Clayton Calculation Value: $6,661.51 Values do not match . The difference of $635.43 is the amount POC. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Time at current address 28.28 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession 30 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 33% below guideline of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score of 784 below guideline of 720.
0708002748 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $7174.12. Review calculates total to be $6563.69. Difference is POCs of $610.43. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the current profession for over 7 years.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history well exceeds the guideline requirements. Borrowers have extensive credit history, paid as agreed. CU ratio very low.
0332170946 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 Missing fully executed 4506T by both Parties to transaction. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current employer for 7 years stable employment history

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been with current employer for 11 years stable employment history
0226606358 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 lived in subject property for the past 24.17 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.79% DTI is below guideline minimum of 43%
0795623321 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 Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Missing settlement statement documenting sale of departing home with receipt of proceeds in the amount of $XXXXXX. 4.1.19 - Client responded. See attached email for confirmation that the equity assets of $144,000  was  wired and received by  the title company . Also attached is the advanced equity statement with company information. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past 23.36 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 778 > guideline minimum is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.41% DTI
0858131444 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. 4.16.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.16.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  790 score qualifying score exceeds guideline requirement.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for over 7 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Retirement assets that can be used are $33280.44. Post close reserves are $215,191.21 .  Required reserves $5,546.74* 12 = $66,560.88.
0486441819 XXXXXX MN 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:  772 Credit Score exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  50 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  18 years with the same employer.
0486441819 XXXXXX MN 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 Provide a signed XXX payoff demand with the Payoff & Close the Home Equity Line of Credit box checked. Document in file is not signed. 3.20.19 - Client responded. Attached find the Satisfaction of the HELOC mortgage. The Closing Disclosure showing the payoff was originally delivered in the PDF on pages 52-56. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  772 Credit Score exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  50 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  18 years with the same employer.
0536025863 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX ; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. 4.29.19 - Client responded. See attached PC CD and LOX. PCCD dated XXX reflects disbursement date was XXX and LOX to borrower provided. 4.29.19 - Exception satisfied. (No Data) Not Applicable 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 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $33,706.56 reserves required. Verified $80,287.93 or 28.58 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 786. Minimum credit required 680
0536025863 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period 3.20.19 - Client responded. "Agree. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Remediation request sent to CDCR XXX. Requesting Remediation 4.29.19 - Client responded. See attached PC CD and LOX. PCCD dated XXX reflects disbursement date was XXX and LOX to borrower provided. 3.20.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable 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 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $33,706.56 reserves required. Verified $80,287.93 or 28.58 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 786. Minimum credit required 680
0536025863 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B 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: XXX, Section: Other Costs, Field: Total Closing Costs (Borrower-Paid) , Value: 4273.80 CD: XXX, Section: Other Costs, Field: Total Closing Costs (Borrower-Paid) Calculated, Value: 4543.80. Difference is POC's of $270.00. (No Data) (No Data) Numeric Not Applicable 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 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $33,706.56 reserves required. Verified $80,287.93 or 28.58 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 786. Minimum credit required 680
0536025863 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No Approved Lender Exception for Title Seasoning Requirements - Title transfer less than 6 months ( 4 months), borrower not obligated on loan being refinanced. Compensating factors: No derogatory credit, Customer in same line of business 10 years. Credit score 786. 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 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 11 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $33,706.56 reserves required. Verified $80,287.93 or 28.58 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 786. Minimum credit required 680
0887896676 XXXXXX TN 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 CRDAPP157 Application Not Signed by Primary Borrower No Application Not Signed by Primary Borrower (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer for 34 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 47.60%; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.79%, max per guidelines is 43%.
0887896676 XXXXXX TN 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 CRDAPP227 Application Not Signed by Co-Borrower No Application Not Signed by Co-Borrower (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer for 34 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 47.60%; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 20.79%, max per guidelines is 43%.
0534424320 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance 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 CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower 1 recently accepted employment with XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.56%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income not used to qualify (B1).
0534424320 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Assets Active B B B B CRDAST205 Insufficient Funds to Close No Loan file is short $49,797.63 liquid funds to close. Proof of liquidation for publicly traded stocks, bonds, mutual funds is generally required, however, per guidelines the UW may use judgement in requiring proof of liquidation. If judgement is used, it must be justified in UW Decision Summary.XXX is unable to determine that the Lender is waiving requirement for liquidation of stock. XXX considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower 1 recently accepted employment with XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 22.56%. Max DTI for this program is 43.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income not used to qualify (B1).
0273456297 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 Finance Charge Tolerance Satisfied B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Tested Post Close CD dated XXX - Finance charge in the amount of $466,619.13 matches review calculation of $466,619.13.  Exception Satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $183,620.74 = 44 months of PITI.
0273456297 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 Finance Charge Tolerance Satisfied B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No Tested Post Close CD dated XXX Amount Financed in the amount of $XXX matches review calculation of $622,095.96.   (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $183,620.74 = 44 months of PITI.
0273456297 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 Missing Affiliate Business Disclosure. Provide missing document. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $183,620.74 = 44 months of PITI.
0273456297 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: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 1445.95CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 810.52. Difference is POC 's of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $183,620.74 = 44 months of PITI.
0273456297 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 D A D A CRDINC3204 Income Documentation Missing No Provide a copy of the 4506T that was signed at closing. 3.29.19 - Client responded. Signed 4506T attached 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $183,620.74 = 44 months of PITI.
0273456297 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 Insurance Satisfied D A D A CRDINSR848 Missing Hazard Insurance No Provide a copy of the Condo Master Insurance Policy with adequate coverage. Missing from file. 3.29.19 - Client responded. This is a site condo (detached condo). A condominium customer's individual insurance policy for hazard coverage for a free-standing condominium (also referred to as a site or a detached condominium unit).   An attached / semi-detached condo unit must have hazard insurance either through a master homeowners' association policy covering all unit in the project, or an an individual unit hazard insurance coverage for the individual unit.The policy pages 121-123 of the pdf would be acceptable for full coverage as there is no master policy for the site condo 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  61% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months of mortgage payments made as agreed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  12 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $183,620.74 = 44 months of PITI.
0066687050 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:  Credit score of 804 exceeds guideline requirement of 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with employer since 4/19/10 stable employment history
0922638022 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C C A C C A A C C C A C C A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Missing evidence of sufficient HOI coverage. Current policy reflects coverage of $766,250.00. Current loan amount XXX. Insurer shows on HOI matrix however does not reflect correct HO3 endorsements or correct form number. 3.25.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis.XXX Homeowners policy and XXX Hazard Insurance details page attached (2 attachments). 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for more than 21 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence more than 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under QM requirement of 43% at 28%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves in excess of guidelines in the amount of $1,038,675.
0922638022 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C C A C C A A C C C A C C A A Property Valuations Value Active C C C C PRVAVALU153 Value Not Supported Yes 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.   3.20.19 - A Field review was received with a reported value of XXXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXXX. 3.25.19 - Client responded. The origination appraisal acknowledges there are limited recent sales and NO active listings. The six comparable sales have all sold between 12 and 41 days on the market, a clear indication this market is in high demand given the limited supply. Furthermore, with limited supply comes upward pressure on prices evidenced by area median values per MLS has increased from $XXXXXX Jan 2018 to $XXXXXX Jan 2019 an increase of XXXX% year over year. In addition, the subject, except for comparable 3 in the origination appraisal, has the best proximity to XXX. While this comparable is discounted via the field and desktop valuation, its proximity renders this comparable a key indicator of the subject current market value. Another point of contention is the subject condition and lack of updates, however, there have been updates and modernization to the subject property to compare this cluttered interior to photo-shopped MLS photos of the comparables is not a reliable comparison. The subject valuation is bracketed by the unadjusted and adjusted sales prices, and all six comparables are within industry adjustment tolerances. The field review applies downward adjustments for time, however, the MLS data does not support a market decline. The field review value and Red Bell valuation are not taking into consideration the subjects superior location, larger than typical site size and utility of the larger site. The subject has a superior room count, the estimate of market value is well within the range of the adjusted sales prices and in no way reflects overvaluation. In addition, the field review does not take into consideration any of the finished ground level GLA, and the OA represents this area as below grade space when it in fact it is above grade space and requires consideration. In XXX, where location and GLA is a premium, this would significantly and positively impact the value once corrected. GLA adjustments are $XXX/sq ft. on the OA, the subjects ground level space is 451 sq. ft finished. As above ground space, this would equate to a $XXXX value. The OA gave this space a contributory value of only $XXXXX and the field review does not take it into consideration at all. This is extremely conservative by the OA for above grade, finished living space, and an incorrect omission of a valuable aspect of the property on the field review. 3.25.19 - XXX has reviewed and will provide rebuttal to third party department to send to appraiser for additional commentary. 4.2.19 - Appraiser responded and based on information from client researched and still reflect value of only $XXXXX. 3.20.19 - Exception remains. 3.25.19 - Exception remains. 4.2.19 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer for more than 21 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence more than 14 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI under QM requirement of 43% at 28%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves in excess of guidelines in the amount of $1,038,675.
0355572403 XXXXXX SC 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 CRDAPP157 Application Not Signed by Primary Borrower No Lender to provide Final Signed 1003 (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.24% LTV

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  814 CREDIT SCORE

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $37,457Verified Assets $816,709
0398548858 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:  Borrowers  have no derogatory items on credit report.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CO-Borrower has been with same employer for 13 years.
0244561271 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 at 26.60% below maximum allowed of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$1,149,042.74 in total assets documented.  Effective amount and liquid assets same.  Post close reserves are $629,039.02.  Reserves required $10,750.50 x 12 = $129,006

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% below maximum allowed of 80%
0388109208 XXXXXX PA 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 their  Current  Residence for 11.67 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 11 years in his profession as a XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 57.92% is under the guideline requirement of  80.00% by 22.08%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  796  exceeded the guideline requirement of  680  by  116  points.
0141634306 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A C A D A D A B 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 VOE for XXX Schedule C business. 3.29.19 - Client responded. VOE for XXX Schedule C business was not required as no income from this entity (XXXXXX) was used in decisioning. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX employed at current job for over 5 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 5 years.
0141634306 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A C A D A D A B A C A D A Credit Income/Employment Satisfied B A B A CRDINC2488 Verbal verification of employment missing No Missing VOE for XXX Schedule C business. 3.29.19 - Client responded. VOE for XXX Schedule C business was not required as no income from this entity (XXXXXX) was used in decisioning. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX employed at current job for over 5 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 5 years.
0141634306 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A B A C A D A D A B A C A D A Property Valuations Property Satisfied C A C A PRVAPROP177 Property Issues Indicated No Subject property is Owner Occupied.  Per appraisal, the subject is Tenant occupied.  Provide correction on appraisal or LOX. 3.29.19 - Client responded. Occupancy (tenant) appears to be checked in error on the appraisal. All documents in file to include the credit report and bank statements reflects address of XXX to be borrowers primary residence (owner occupied). Also no Single Family Comparable Rent Schedule to accompany the appraisal. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX employed at current job for over 5 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 5 years.
0025921338 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 CRDAPP129 Missing Permanent Resident card req'd by guidelines No Lender to provide legible Permanent Resident card for B2.  Document provided is not legible; unable to determine expiration.   3.08.19 - Client responded. See attached copy of Permanent Resident Card for B2 3.08.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their current profession for over 20 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in the subject property for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 780.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is 20.03%, which is 22.97% less than guideline max of 43.0%.
0410730844 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:XXX [Last CD], Calculating Cash to Close Section, Closing Costs Financed - Final, Value: $9722.21 does not match the review's. Calculation, Value: $9132.78. Difference of $589.43, prepaid amount of Appraisal and credit report. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of 102 months exceed reserve requirement of 12 months by 90 months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history is 0x30 in 64 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated CLTV of 59.26% is 10.74 points below maximum allowed CLTV of 70%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have occupied the subject property as their primary residence for 13+ years.
0410730844 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 Borrower is closing current HELOC and opening a new one. Missing signed paid-in-full and closed letter. 3.19.19 - Client responded. See attached Closing Disclosure showing HELOC paid off and Title Policy showing new HELOC and the new HELOC note. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of 102 months exceed reserve requirement of 12 months by 90 months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history is 0x30 in 64 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated CLTV of 59.26% is 10.74 points below maximum allowed CLTV of 70%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have occupied the subject property as their primary residence for 13+ years.
0230035571 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:  788  qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.96%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  49.43 months PITI reserves verified, required reserves per guidelines is 12 months
0749425675 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No (1) Disbursement date of XXX per final CD dated XXX. Signing date of XX/XX/XXXX, With rescission date of XXX 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the same profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying FICO exceeds minimum required 680
0749425675 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date is before end of statutory rescission period (1) Disbursement date of XXX per final CD dated XXX. Signing date of XXX, With rescission date of XXX 4.2.19 - Client responded. Agree. Rescission ended on XXX and CD reflects XXX disbursement date.  Per settlement statement funds correctly disbursed on XXX.  PC CD with XXX per diem start date and disbursement date required to remedy. Requesting remediation with PC CD. 5.1.19 - Client responded. 4/30/19:  see attached documentation. LOX to borrower and corrected PCCD reflecting Disbursement date of XXX provided.   4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the same profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 qualifying FICO exceeds minimum required 680
0900606196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D B C B D B B B D B C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR reflects closing date/ signing date of XXX and midnight reflects XXX and final CD dated XXX disbursement date reflects XXX. LOX,  CD, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery. 4.2.19 - Client responded. "Agree.  Disbursement date on Final CD executed by consumers on XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD  with a disbursement date of XXX sent to the consumers is required to cure defect.  In addition to new NORTCs to all entitled to rescind to re-open rescission.   Remediation requested" 5.8.19 - Client responded.   5/8/2019 see attached. LOX to borrower as well as PCCD dated XXX reflecting Disbursement date of XXX to correct error. 4.2.19 - Exception remains. 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.66/49.95/60% LTV/CLTV/HCLTV is 20.34/20.05/10% below the maximum allowable LTV/CLTV/HCLTV of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 50 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.29 months PITI reserves; 12 months required.
0900606196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D B C B D B B B D B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 15558.50CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 14923.07. Difference is POC's of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.66/49.95/60% LTV/CLTV/HCLTV is 20.34/20.05/10% below the maximum allowable LTV/CLTV/HCLTV of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 50 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.29 months PITI reserves; 12 months required.
0900606196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D B C B D B B B D B C B Credit DTI Active B B B B CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved exception for housing ratio greater than 36% and DTI greater than 40% on a cash out refinance. Compensating factor included low LTV. Clayton has reviewed and determined the exception to be non material based on compensating factor. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.66/49.95/60% LTV/CLTV/HCLTV is 20.34/20.05/10% below the maximum allowable LTV/CLTV/HCLTV of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 50 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.29 months PITI reserves; 12 months required.
0900606196 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D B C B D B B B D B C B Property Valuations Appraisal Active D B D B PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Appraisal provided in the file was made subject to repairs.  File is missing the final inspection/completion cert verifying all work has been completed.Inspector commented that repairs have been made and updates to the home continue. pg. 409 of the file discuss in an email all issues that were being addressed.Lender approved exception in file to close with repairs pending based on receipts of work completed. 4.1.19 - Client responded.  Credit Officer approved loan closing without completion of repairs on XX/XX/XXXX. Borrower purchased home XX/XXXX and that appraisal was completed as is; borrower has completed extensive repairs since the acquisition increasing value from purchase price of $XXX to current value of $XXXXXX.  Copy of e-mail from Portfolio Credit Office attached.4.1.19 - Clayton has reviewed and based on email from lender and fact that repairs left are not safety or occupying issues considers this to be non-material. 4.1.19 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.66/49.95/60% LTV/CLTV/HCLTV is 20.34/20.05/10% below the maximum allowable LTV/CLTV/HCLTV of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 50 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.29 months PITI reserves; 12 months required.
0613525272 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 Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$347,234.62 in total assets documented.  Effective amount is $340,467.08, with liquid assets of $340,467.08.  Post close reserves are $43,331.72.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.66% is below guideline requirement.
0830389279 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 Lender to provide Final CD from purchase of XXX and verification of P&I, Taxes, Ins, and HOA that total $3,213.43 3.28.19 - Client responded. Purchase of XXX is still a pending transaction. Proposed PITIA is $3213.13 for non-subject. Loan summary attached. 3.28.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 on the job for 9 yrs

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 on the job for 16 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  9 years in current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.01% LTV is 26.99% below maximum allowed of 31.34%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 797 exceeds required score of 720 by 77 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.34% is 11.66% below maximum DTI of 43%.
0830389279 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 TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing Costs financed (paid from you loan amount) value is $13,435.08. Review calculates total to be $12,919.65. Difference is POCs of $515.43 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 on the job for 9 yrs

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 on the job for 16 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  9 years in current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.01% LTV is 26.99% below maximum allowed of 31.34%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 797 exceeds required score of 720 by 77 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.34% is 11.66% below maximum DTI of 43%.
0830389279 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 Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender approved exception for insufficient PCL due to "Borrower will net $35K excess cash out. Short PCL- ($2,993.64*12=$35,923.68)/2 = $17,961.84 can come from retirement accounts per guidelines.  Post closing reserves are $288,552.48 however, only $2,813.61 are liquid.  The balance of the reserves are held in retirement accounts. Borrower has significant retirement savings and could have elected to use those assets for EMD (for purchase of new REO) meet required PCL. Or timing of new purchase could have been proposed instead of active.  Compensating factors include:  Stable income, minimum use of revolving debt, low DTI and $15600 residual income"   Clayton considers as non-material based upon compensating factors. 3.28.19 - Client responded. LVAM approved exception - Reserve (PCL) requirements. Exception approved under the PCO delegated authority. 3.28.19 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 on the job for 9 yrs

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 on the job for 16 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  9 years in current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.01% LTV is 26.99% below maximum allowed of 31.34%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 797 exceeds required score of 720 by 77 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.34% is 11.66% below maximum DTI of 43%.
0830389279 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 DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Lender to provide Final CD from purchase of XXX and verification of P&I, XXX, and HOA that total $3,213.43 3.28.19 - Client responded. Purchase of XXX is still a pending transaction. Proposed PITIA is $3213.13 for non-subject. Loan summary attached. 3.28.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 on the job for 9 yrs

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 on the job for 16 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  9 years in current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  53.01% LTV is 26.99% below maximum allowed of 31.34%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 797 exceeds required score of 720 by 77 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.34% is 11.66% below maximum DTI of 43%.
0605633464 XXXXXX NC 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 over 7 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 11.58%, Max DTI is 43%
0417784962 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:$171,570.10 in total assets documented.  Effective amount is $122,555.65, with liquid assets of $49,033.98. Post close reserves are $114,963.04. Required reserves : $46,655.76  ($3887.98x12).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.39% below guideline requirement.
0091252846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing costs financed (paid from your loan amount) value of $11,164.11 does not match reviews calculation of $10,834.99 Value  is off by $329.12. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  96.96 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Co- Borrower has been in the same profession for 25 years
0091252846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Credit Income/Employment Active B B B B CRDINC2488 Verbal verification of employment missing No Missing verbal verification of employment within 30 days of the note date for XXX employed borrower 1. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  96.96 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Co- Borrower has been in the same profession for 25 years
0091252846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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. 4.8.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  96.96 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS2854: Significant time in profession
- Clayton Comments:  Co- Borrower has been in the same profession for 25 years
0877223147 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 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 CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as a XXX for 20 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.02% is below guideline requirement of 70.00%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same Employer XXX for 5+ years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 71 months on subject
0877223147 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: XXX-Section: Calculating Cash to Close, Field: Closing Costs Financed - Amounts do not match: Final $1627.67 does not match the Calculation of $992.24. Difference is POC's of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as a XXX for 20 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.02% is below guideline requirement of 70.00%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same Employer XXX for 5+ years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 71 months on subject
0877223147 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 CMPTRID5101 TRID: CD: Inconsistency between the monthly escrowed Homeonwers Ins. premium and the total amount escrowed. No CD's dated:XXX & XXX- Section: Other Costs, Initial Escrow Homeowner Insurance Amount: $141.57 does not equal 2 months of Homeowners Insurance Amount @ $75.51 Per Month. 3.25.19 - Client responded. Disagree. Lender is paying $9.45 towards the Homeowner Insurance escrow amount per page 2 of the consummation CD in the Paid by Others column. The $9.45 when added to the amount the borrower is paying of $141.57 equals $151.02 which is 2 months @ $75.51. 3.25.19 - Exception satisfied. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as a XXX for 20 years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 46.02% is below guideline requirement of 70.00%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same Employer XXX for 5+ years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 71 months on subject
0395250010 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 XXX 401K plan shows borrowers address as XXX by XXX. Missing letter of explanation and any rent or PITI on this property. 3.18.19 - Client responded. Borrower is originally from the XXXXXX and moved to the United States in 2012 for new employment and has been gainfully employed in the US since. This appears to be an address prior to 2012 in the XXXXXX borrower is no longer associated  with.     3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 757. Min 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.50%.  Max 43%.
0395250010 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 CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD XXX calculating cash to close table disclosed adjustments and other credits final value as -$1,082.50. Review calculates total of adjustments in section K less adjustments and other credits in credits in section L to be -$3,050.14. Requires corrected PCCD, LOX and copy of shipping. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 757. Min 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.50%.  Max 43%.
0395250010 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 Assets Satisfied C A C A CRDAST3036 Assets reflect unsourced deposits No XXX new account opened XX/XX/XXXX with $259,985. Provide source of asset and documentation. 3.18.19 - Client responded. XXX funds of $259,985 were already accounted for in the original asset verification in underwriting from XXX ($170,068.52 - checking) and XXX ($254,073.79 - stock); $149,593.11 was the liquidated amount from XXX. Borrower opened a XXX checking account XXX for relationship pricing and the funds of $259,985 were deposited into this account. From this account the amount $256,127.86 was wired for closing. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 757. Min 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.50%.  Max 43%.
0395250010 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 XXX 401K plan shows borrowers address as XXX by XXX. Missing letter of explanation and any rent or PITI on this property. 3.18.19 - Client responded. Borrower is originally from the XXXXXX and moved to the United States in 2012 for new employment and has been gainfully employed in the US since. This appears to be an address prior to 2012 in the XXXXXX borrower is no longer associated with. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 757. Min 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.50%.  Max 43%.
0395250010 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 Insufficient insurance coverage.XXX- Provide evidence that insurance policy includes Form E6047, Protector Plus Policy, H03 w/endorsement of E-6196. 3.18.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis.XXX policy and XXX Hazard Insurance details page attached (2 attachments). 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 757. Min 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 31.50%.  Max 43%.
0743484626 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 XXX Closing Costs financed (paid from you loan amount) value is $8758.97. Review calculates total to be $8236.54. Difference is POCs of $522.43. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59% below guideline requirements

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 132 months exceed guidelines
0743484626 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 XXX Loan Costs section, Field B: Title-All Endorsements, Closing/Escrow/Courier/Lender policy and Notary fee are missing payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59% below guideline requirements

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 132 months exceed guidelines
0743484626 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 CRDAPP157 Application Not Signed by Primary Borrower No Provide final Application Signed by Primary Borrower.    (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59% below guideline requirements

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 132 months exceed guidelines
0743484626 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 CRDAPP227 Application Not Signed by Co-Borrower No Provide final Application Signed by Co-Borrower.    (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59% below guideline requirements

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 132 months exceed guidelines
0743484626 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Lender granted exception for  Qualifying Credit score 713 below guidelines required 720 for a cashout refi transaction. Compensating factors reserves of 111 months. Borrowers requesting approx. 15k in cash to do more updated to the property. Borrowers do have the funds to complete without cash out from transaction. Credit on file since 12/98 with no lates and acct has $0 balance. XXX has reviewed and determined the exception to be non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59% below guideline requirements

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 132 months exceed guidelines
0362251617 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. 4.17.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.17.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $478,307.96.  per guidelines, reserves required of $3,887.52 x 12 = $46,650.24.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.40 is below the maximum allowable DTI of 45%.
0434007774 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 Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XX/XX/XXXX; disbursement date per file XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  13.19 years at current residence per application.

CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in current profession per application.
0434007774 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: XXX-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 13870.42CD: XXX-1, Section: Calculating Cash to Close, Field: XXX Calculation, Value: 13364.99. Difference is POC's of $505.43. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  13.19 years at current residence per application.

CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in current profession per application.
0434007774 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 Property Satisfied C A C A PRVAPROP177 Property Issues Indicated No Per guidelines appraiser is to identify whether the solar panel system is owned by the property owner or is subject to a lease or PPA. 4.3.19 - Client responded. XXX Solar Panel System Contract Review attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  13.19 years at current residence per application.

CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in current profession per application.
0760889026 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's: XXX, Section: Other Cost (E) the recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned primary residence 13 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on her job 16 years and 8 months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  99 months mortgage history with no late pays.
0240736530 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 5.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $177,525.25.  Reserves required $4,160.92 x 12 = $49,931.04

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 18 years
0348772270 XXXXXX WA 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 Final CD: XXX Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5956.54 and review calculated equals $5,726.11. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 45.60%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.17%. Max DTI for this program is 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 15 years.
0348772270 XXXXXX WA 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. 3.18.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 45.60%. Max LTV for this program is 80.00%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.17%. Max DTI for this program is 43.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 15 years.
0313381592 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 4900.33CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: 4264.90. Difference is POC's of $635.43. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 25.95%, max per guidelines is 43%.
0481216728 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 CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  731/728 Credit Scores.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $244,487.92 = 47 months of PITI payments which exceed guideline requirements of 12 months.
0859778713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B D B D A D B D B D 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 RSU: Provide documentation to verify the price per shares to support lender calculation at $22.90 per share.  Using RSU for monthly income calculation. 3.13.19 - Client responded. Documentation to support XXX stock price of $22.90 per share used in lender calculation attached. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage payments made as agreed since 12/2009 through the current month.  Prior XXXXX customer with 48 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $157,331.97 = 18.8 months of PITIA for both of the borrowers properties.
0859778713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B D B D A D B D B D B D A Credit Income/Employment Active B B B B CRDINC150 Income docs do not meet guidelines No Approved lender exception for Borrower has less than 2 years property management experience and will rent out departure residence. Compensating factors used to approve exception: Strong equity in departure, minimal credit usage, demonstrated savings ability, strong residual income, sufficient reserves proves ability to repay, excellent mortgage payment history shows willingness to pay. Clayton considers non-material based on compensating factors.   (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage payments made as agreed since 12/2009 through the current month.  Prior XXXXX customer with 48 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $157,331.97 = 18.8 months of PITIA for both of the borrowers properties.
0859778713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B D B D A D B D B D B D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No RSU: Provide documentation to verify the price per shares to support lender calculation at $22.90 per share. Using RSU for monthly income calculation.   3.13.19 - Client responded. Documentation to support XXX stock price of $22.90 per share used in lender calculation attached. 3.13.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage payments made as agreed since 12/2009 through the current month.  Prior XXXXX customer with 48 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $157,331.97 = 18.8 months of PITIA for both of the borrowers properties.
0859778713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B D B D A D B D B D B D A Credit Legal Documents Satisfied D A D A CRDLGL2996 Missing Trust Documents No Missing copy of Trust document; Provide a clear copy of the Trust or Certification of Trust.   3.7.19 - Client responded. Providing the clearest copy of Certification of Trust available. 3.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage payments made as agreed since 12/2009 through the current month.  Prior XXXXX customer with 48 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $157,331.97 = 18.8 months of PITIA for both of the borrowers properties.
0859778713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B D B D A D B D B D B D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.7.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage payments made as agreed since 12/2009 through the current month.  Prior XXXXX customer with 48 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $157,331.97 = 18.8 months of PITIA for both of the borrowers properties.
0859778713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B D B D A D B D B D B D A Property Valuations Property Active B B B B PRVAPROP177 Property Issues Indicated No Approved lender exception for commercial space is 40%, which exceeds the 35% max.  Commercial space is comprised of 15% retail space and 25% public parking. The garage and retail units are considered separate entities under the master, therefore residential unit owners maintain a large majority in voting rights for the project.  Property values are stable, shortage in supply/demand, and marketing is under 3 months.  Appraisal Comps support excess commercial space.  Compensating factors used to approve exception: Strong equity in departure, minimal credit usage, demonstrated savings ability, strong residual income, sufficient reserves proves ability to repay, excellent mortgage payment history shows willingness to pay. Clayton considers non-material based on compensating factors.          (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  793 Credit Score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  All mortgage payments made as agreed since 12/2009 through the current month.  Prior XXXXX customer with 48 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $157,331.97 = 18.8 months of PITIA for both of the borrowers properties.
0798719537 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 Final CD dated XXX. The stated Closing Costs Financed (Paid from Your Loan Amount) amount on the CD Calculating Cash to Close section (Alt Version) reflects $3774.43, amount should be $3139.00 less $635.43 amount pre-paid by the borrower. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 58.06% is 11.94% less than required 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 790 is 70 points higher than required 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 28% is 15% less than required 43%.
0798719537 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 The Loan Cost section of Final CD XXX missing the name of the Title Company. The payee is listed as Title Company. (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 58.06% is 11.94% less than required 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 790 is 70 points higher than required 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 28% is 15% less than required 43%.
0362607103 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:  Mid score of Primary ware earner is 792, guideline requirement is 680.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Current  LTV is 75%, 5% below current guideline requirements
0637516420 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $129,955.15 exceed guideline requirement of $48,978.60

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer  for 6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.37% is below guideline requirement of 43.00%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX for 6 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report shows 0 x 30 for 35 months exceeding guideline requirement of 0 x 30 in 12 months.
0968428188 XXXXXX IN 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 2017 W2 forms 4.3.19 - Client responded. 2017 W-2 Form attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 784 exceeds guideline requirement of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 9 years stable history
0968428188 XXXXXX IN 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 2017 W2 forms 4.3.19 - Client responded. 2017 W-2 Form attached. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 784 exceeds guideline requirement of 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 9 years stable history
0192533486 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 CMPMAN2990 1003 - Final Application is not Accurate No Final 1003 HMDA to be corrected to reflect B2 as Female per Permanent Resident Alien card. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 35%. Max DTI for this program is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 95.69 months reserves.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.95%. Max LTV for this program is 80.00%.
0371992504 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:  797 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 27.78%, max per guidelines is 43%.
0824884477 XXXXXX WA 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:  73.33%.  Max allowed is 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  60.35 months.  Minimum required is 12 months.
0381010042 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 73.17 is 6.83% below guideline maximum of 80%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current primary residence for 51.14 years.
0134495630 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 CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.27% is below guideline maximum.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income not used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 5 years 11 months.
0522407408 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 B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No CD issued XXX Finance charge understated $2143.68.  PCCD dated XXX corrects error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in departure residence of 7+ years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer XXXXX for 8+ years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as XXX for 12 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 61 months

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history exceeds 12 months guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves exceed 62 months
0522407408 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 B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD: XXX - 2 Section: Loan Calculations, Amount financed, is listed as $969835.33 and review calculated, $ 967691.65 Difference of $2413.68. PCCD XXX corrects error. Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in departure residence of 7+ years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer XXXXX for 8+ years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as XXX for 12 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 61 months

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history exceeds 12 months guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves exceed 62 months
0522407408 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 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 CD: XXX, Section: General CD Information, Field: Date Delivered, CD Value: XXX, eCLAS Value: XX/XX/XXXX CD: XXX [Last CD], Section: Loan Calculations, Field: Annual Percentage Rate (APR), Value: 3.79300 CD: XXX, Section: Loan Calculations, Field: Annual Percentage Rate (APR), Value: 4.03600.  APR on final CD is lower then APR on subsequent Post Close CD's. PCCD XXX corrects error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in departure residence of 7+ years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer XXXXX for 8+ years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as XXX for 12 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for 61 months

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history exceeds 12 months guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves exceed 62 months
0082073162 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 MA Borrower Interest Worksheet not provided. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum allowed 45%, current DTI is 19.50%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score is 764

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in the current profession for 10 years.
0679763372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No PCCD required with disbursement date of XXX or LOX, proof of delivery, and New XXX to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery. 4.2.19 - Client responded. Agree with investor.  Disbursement date on Final CD executed by consumers on XXX  is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD  with a disbursement date of XXX sent to the consumers is required to cure defect.  In addition to new XXX to all entitled to rescind to re-open rescission. Remediation requested5.1.19 - Client responded. 4/30/2019: see attached documentation; disbursement date updated to XXX and LOX to borrower provided. 4.2.19 - Exception remains. 5.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 61.23% is below guideline minimum of 80%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.50% is below guideline minimum of 43%
0227711949 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 Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 on job over 6 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 51 months post closing reserves, exceeds minimum 12 months per guidelines.
0092169616 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:  763 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 31.62%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  43.67 months PITI reserves verified, max per guidelines is 12 months
0199154431 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 Application Active B B B B CRDAPP157 Application Not Signed by Primary Borrower No The final application is not signed by the borrower. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 15 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have overall good credit history.
0199154431 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 Application Active B B B B CRDAPP227 Application Not Signed by Co-Borrower No The final application is not signed by the co-borrower. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 15 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have overall good credit history.
0199154431 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No HOI coverage is not sufficient.  Dwelling coverage is $460,00000 with an additional 150% Limited home replacement cost of dwelling value = $690,000.00  Appraisal states that the dwelling value is $XXXXXX and the loan amount is XXX.  Please submit either increased coverage or a Replacement Cost calculator from the insurance company showing adequate coverage. Document does not reflect H03 or From 5 per the HOI Matrix. 4.3.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX Insurance policy (Homeowners Policy Special Form) and XXX Hazard Insurance details page attached (2 attachments). 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 15 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have overall good credit history.
0924496283 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:  Both borrowers have been in the same profession for over 11 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  800 qualifying score. Min required per guidelines is 720.
0642655706 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 stable employment as XXX with XXX for the past 13.93 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 796> guideline minimum is 680.
0193477673 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 of 52.65% is 27.35% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 766 is 66 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 31.45% is 11.55% less than required 43%.
0403245948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A D A D A A 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 Note is missing from loan file to validate QM Adherence. 4.5.19 - Client responded. See attached Note 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied the subject property for 19.42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54.51% LTV is 25.49 points below the maximum allowable LTV of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower1 has been employed with the same employer for 8 years.
0403245948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A D A D A A A D A D A Compliance Documentation Satisfied D A D A CMPDOC195 Missing Note No Note is missing from loan file. 4.5.19 - Client responded. See attached Note 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied the subject property for 19.42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54.51% LTV is 25.49 points below the maximum allowable LTV of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower1 has been employed with the same employer for 8 years.
0403245948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A D A D A A A D A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3662 TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance No Unable to test do to missing Note. 4.5.19 - Client responded. See attached Note 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied the subject property for 19.42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54.51% LTV is 25.49 points below the maximum allowable LTV of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower1 has been employed with the same employer for 8 years.
0403245948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A D A D A A 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. 4.17.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.17.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied the subject property for 19.42 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54.51% LTV is 25.49 points below the maximum allowable LTV of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower1 has been employed with the same employer for 8 years.
0795370800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Final CD dated XXX has a disbursement date of XXX. Provide a Post Close CD with a later Disbursement date. 5.8.19 - Client responded.   5/7/2019 see attached. LOX to borrower as well as PCCD dated XXX reflecting Disbursement date of XXX to correct error. 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $174,672.72 or 31.98 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.40 below guideline requirement of 43%
0795370800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD dated XXX has a disbursement date of XXX. Provide a Post Close CD with a later Disbursement date. 4.15.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Remediation requested5.8.19 - Client responded.   5/7/2019 see attached. LOX to borrower as well as PCCD dated XXX reflecting Disbursement date of XXX to correct error. 4.15.19 - Exception remains. 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $174,672.72 or 31.98 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.40 below guideline requirement of 43%
0795370800 XXXXXX CA 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 Missing evidence the XXX acct #XXX was closed to future draws.  HELOC closure document in file not completed or signed. 4.5.19 - Client responded. See attached Title Policy and Closing Disclosure which shows HELOC paid off in full and closed. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $174,672.72 or 31.98 months PITI

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.40 below guideline requirement of 43%
0137287141 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  Affiliate Business Disclosure is missing. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 26.08%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $172,245.04.   Required reserves $8,574.14 * 12 = $102,889.68.
0884473142 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 787 exceeds guideline requirement of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years
0982174734 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Title Active B B B B CRDTIL100 Potential title issue No Lender approved exception for Title vested in the name of an LLC. Compensating factors are low DTI of 12% and strong reserves. Clayton deems 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 30 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 11.98 is below the guideline requirement.
0807967329 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 VOE for XXX to verify XXX at XXX. Reviewed lenders matrix and file does not contain any verification from the acceptable sources. 3.25.19 - Client responded. VOE for XXX to verify XXX at XXX attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 803 exceeds guidelines requirements

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX at current job for over 6 years.
0807967329 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 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 Between the Final CD XXX-1 and The PCCD XXX-  there is a $50 change in the "Trade Equity to XXX" line in Section L of the Summaries of Transactions. The adjustments and other credits amount should have decreased to $20,046.25. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 803 exceeds guidelines requirements

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX at current job for over 6 years.
0807967329 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 CRDAST115 Cash reserves do not meet guidelines No Approved Lender exception for Use of Business Funds for Down Payment, Closing Costs or Reserves.  Compensating factors used by lender were B1 has increasing income and over 2 yrs in same field and B2 shows large increase in sales and available income in S Corp - 3 year history of income and asset savings.  XXX considers non-material based on compensating factors. 3.25.19 - Client responded. LVAM approved exception - Use of business funds for down payment, closing costs, reserves. Exception approved under the PCO delegated authority. 3.25.19 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 803 exceeds guidelines requirements

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX at current job for over 6 years.
0807967329 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 VOE for XXXX to verify XXX at XXX. Reviewed lenders matrix and file does not contain any verification from the acceptable sources. VOE in file for XXX which is not listed on this loan. 3.25.19 - Client responded. VOE for XXX to verify XXX at XXX attached. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 803 exceeds guidelines requirements

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CoBorrower has worked XXX at current job for over 6 years.
0412260715 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 evidence of sufficient coverage , Policy in file does not have correct endorsements listed on XXX HOI Matrix 3.19.19 - Client responded. Insurance is sufficient. Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. XXX Homeowners Policy (A1 - Replacement Cost - Similar Construction) and XXX Hazard Insurance details page attached (2 attachments). 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have 7 yrs 9 months at their current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 25 years in his profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified liquid assets of $249,075.63 to cover funds to close of $241,281.58. PCL of $143,697.49  / $4891.35 = 29.38 months reserves.PITI $4,891.35 x12 = $58,696.20 in reserves is required.
0587679288 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 same profession for 18 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 15.93 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 799 is 99 points higher than minimum required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 23.70% is below guideline maximum.
0107800095 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 as an XXX for 15 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same Employer XXX for 6 + years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report  shows 0x30 for 52 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of 473.02 months  exceeds guidelines of 12 months.
0442103729 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 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Non Numeric Error CD XXX  Section H Other:(1)   Amenity Reimbursement fee does not list who fee is payable to. (2)   CDD Fee does not list who fee is payable to. (3)   HOA  Addl Mos. At Closing fee does not list who fee is payable to. (4)   HOA Initial Contribution fee does not list who fee is payable to. (5)   HOA Transfer fee does not list who fee is payable to. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  819 qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 38.15%, max per guidelines is 43%.
0792315382 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 Documentation Satisfied D A D A CMPDOC225 Missing Rider No Property located in PUD.  Documents in file indicate that Deed to be corrected to show PUD Rider.  No rider or corrected deed in file. 8.17.18 - Client responded. Unable to procure. Obtaining PUD Rider and re-recording still in process. 8.17.18 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Loan Score is 807

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Additional reserves verified ; Reserves required: $4041.17 PITI x 12 = $48,494.04; Verified  $ 55,487.61
0881549970 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A B A D A A A D B B A D B A A Credit Credit/Mtg History Satisfied B A B A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Missing a 12 month housing payment history; rent free letter in file from home owner.  UW summary reflects XX/XX/XXXX update stating all borrower assets are from worker's comp settlement and that UW provide logic with regards to ability to repay.  3/27/19 update reflects further information/documentation provided by lender but XXX gave go ahead.  No further information/documentation noted in UW summary.  Compensating factors include prior mtg history reflected on credit report from 8/05 through 8/17 with 0x30, 793 qualifying score, 40.90% DTI, 16 months reserves and $6,586.10/mo. residual income.  Clayton considers non-material based on compensating factors.        4.10.19 - Client responded. there is no VOM/VOR as per the rent free letter on the property where the borrower lived for 2 years 4.10.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $58,081.09 or 16.60 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 793 exceeds guidelines score of 700 by 93 points
0881549970 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A B A D A A A D B B A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.10.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 4.10.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $58,081.09 or 16.60 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 793 exceeds guidelines score of 700 by 93 points
0881549970 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A B A D A A A D B B A D B A A Property Valuations Value Satisfied N/A A N/A B PRVAVALU153 Value Not Supported No 4.10.19 - 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.   4.18.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $58,081.09 or 16.60 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 793 exceeds guidelines score of 700 by 93 points
0004647068 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 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Other Costs section, Field H: Seller portion of RE Commission is required to be listed on borrowers CD (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  30 Years and 10 months with the employer per the WVOE.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795/788 Credit Scores.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Remaining Post Closing Reserves $868,758.41 = 126 months of combined PITIA for both properties.
0446820124 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 $100,739.82.  Reserves required $4551.55 x 12 = $54,618.60

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico is 763, minimum required per G/L is 700

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 5 years
0929572753 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 782 exceeds guideline requirement of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.96 is below guideline requirements of 43%
0424425085 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 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 CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in same profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  12 years at previous residence, sold XX/XX/XXXX.  Currently living rent free for 1 month.
0424425085 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 CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in same profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  12 years at previous residence, sold XX/XX/XXXX.  Currently living rent free for 1 month.
0424425085 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers missing from file. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  15 years in same profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  12 years at previous residence, sold XX/XX/XXXX.  Currently living rent free for 1 month.
0855009232 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. 4.15.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 809; minimum required credit score per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both Borrowers have an overall good credit history. No derogatory credit. No public record findings.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Both Borrowers have a 0x30; 64 month mortgage history review.
0204495468 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Approved Lender exception for VOR -no mortgage/rental payment history.    Customer's are living with family members rent free & are waiting for their new home to be complete.Compensating factors: Demonstrated savings pattern.  Minimal use of revolving debt Strong mo. Residual income of $10k,  Low LTV at 70% with a max allowed of 80%.   Long term employment borrower 8.8 yrs.   Low DTI 29.84%. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for almost 9 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary wage earner qualifying score of 768 exceed guidelines requirement of 680.
0014010690 XXXXXX TN 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 Final CD: XXX Calculating Cash to Close, Loan Estimate column does not match final LE: XX/XX/XXXX Calculating Cash to Close table. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.22 is below the guidelines requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in profession for 10 years.
0014010690 XXXXXX TN 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 approved exception for PCL reserves 17.78 months.  Per guidelines 18 months required.  Lender compensating factors are the ability to save, substantial residual income, excellent credit profile.  Clayton has reviewed and based on compensating factors determined exception to be non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.22 is below the guidelines requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in profession for 10 years.
0651632904 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers mid FICO 789 exceeds minimum FICO of 700 by 89 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 11 years 5 months at current job.
0490987576 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 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 [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: 130934CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXXXXXLE column on CD does not match to last LE. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.03% is below maximum DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700.  Representative credit score is 796.
0490987576 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 B B B B CMPTRID3772 TRID - Error #10 discovered on Loan Estimate No LE dated: XX/XX/XXXX: Section Loan Information: Co-Borrower's address is missing from LE's Addendum.  Corrected by final CD XXX.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.03% is below maximum DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700.  Representative credit score is 796.
0490987576 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 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 A zero percent tolerance in the amount of $753.90 for increase in Title-Lender's Title Insurance fee and Title-Restrictions, Encroachment and Minerals Endorsement Fee on CD XXX. Need evidence of a COC or a copy of a refundable check. 4.1.19 - Client responded. Agree regarding Fee Tolerance violation and a refund due to t he borrower. Disagree regarding the Title fees being considered in the 0% category and with the refund amount due to the borrower. The Title fees were disclosed on the initial LE in Section C as items the borrower can shop for. A Service Provider List was provided disclosing at least one service provider and stating that the borrower can shop for another provider. The Title fees should be a 10% category fee. The refund amount due to the borrower should be $71.02. Requesting refund to remediate. 4.1.19 - XXX has reviewed and agrees this is a 10% tolerance issue and not 0%. 4.10.19 - Client Responded - Disagree with Investor: See attached missing preliminary LE and CoC.4.10.19 Client provided COC Validating the Increase in Title Insurance. 4.1.19 - Exception remains. 4.10.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.03% is below maximum DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700.  Representative credit score is 796.
0560695408 XXXXXX SC 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. 4.17.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.17.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$368,036.39 in total assets documented.  Effective amount is $368,036.39, with liquid assets of $368,036.39.  Post close reserves are $363,089.44.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 68.30% is below guideline requirements.
0387098505 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:  Post close reserves are $857,021.21.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years job time.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has 32 years job time.
0463401377 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 Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$320,098.47  in total assets documented.  Effective amount is $266,913.42, with liquid assets of $187,135.85.  Post close reserves are $111,454.11.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current of 7 years and 3 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 801 exceeds the minimum of 700
0520427098 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Other Costs section, Field H: Seller portion of RE Commission is required to be listed. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 8 years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS: $133,917.99 in total assets documented. Effective amount is $133,917.99, with liquid assets of $133,917.99. Post close reserves are $$59,791.75. Reserves required $56,273.40.
0520427098 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure 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 and CD signed via email however no e consent was located in file 3.6.19 - Client responded. Agree: Correspondent seller did not provide eConsent for electronic delivery.   No eConsent documentation located in file. Contacting Correspondent seller to obtain/remediate.3.25.19 - Client responded.  See attached eConsent. 3.6.19 - Exception remains. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 8 years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS: $133,917.99 in total assets documented. Effective amount is $133,917.99, with liquid assets of $133,917.99. Post close reserves are $$59,791.75. Reserves required $56,273.40.
0412380057 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:  ASSETS:$225,982.98 in total assets documented.  Effective amount is $201,177.64, with liquid assets of $163969.64.  Post close reserves are $78,101.25.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 31.59% is below guideline maximum.
0731174159 XXXXXX PA 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 current Employer for 9.3 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.25%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $4004.47 * 12= $48,053.64 reserves required with $120,225.74 reserves verified.
0460181844 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 for 9 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $348,680.33 with required reserves of  $4,771.23 * 12 = $57,254.76.
0473381844 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been at current job for 7 years and 5 months when only 2 years is required.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  The Borrower earns substantial amount in Bonus that was not used for qualifying purposes.
0798370296 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:  Per the eligibility matrix, the minimum credit score required was 700.  The qualifying credit score for the borrowers was 809.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income not used to qualify; WVOE reflects bonus income in 2018 of $347,500 and in 2017 $525,000.
0673501855 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 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 Initial LE Dated XX/XX/XXXX was esigned on XX/XX/XXXX after CD date of XXX.Missing proof that Initial LE Was acknowledged prior to Initial CD XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 764 exceeds guideline requirement 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 9 years
0673501855 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 XXX:  Other Costs Section F, Homeowners Insurance Premium shows Payee is TBD.  This conditions is cured on the Interim CD dated XXX. Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 764 exceeds guideline requirement 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 9 years
0152805197 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated PDA supporting original appraised value. 3.7.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.7.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $507,505.20.  Reserves required are $6453.03 x 12 = $77,436.36.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The maximum DTI per guidelines is 43%.  The borrower DTI is 30.07%.
0278301494 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 RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Missing List of homeowners counseling organizations provided w/in 3 days of application (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves needed is 63,637.56, borrowers have $82,618.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI Max 43%, current DTI is 23.90%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 4 years and 5 months

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current home payment is 6589.33, new payment 5303.13
0278301494 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 Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close; Estimated Cash to Close has a value of $7,881.00. CD: XXX [Last CD], Section: Calculating Cash to Close; Cash to Close - Loan Estimate has a value of $674.00. Amounts do not match. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves needed is 63,637.56, borrowers have $82,618.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI Max 43%, current DTI is 23.90%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 4 years and 5 months

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current home payment is 6589.33, new payment 5303.13
0278301494 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 Active B B B B CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final LE values $XXXXX, do not match final CD values $XXXXXX, in the Total payoffs and payments section. Need PCCD within 60 days of consummation date. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves needed is 63,637.56, borrowers have $82,618.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI Max 43%, current DTI is 23.90%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 4 years and 5 months

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current home payment is 6589.33, new payment 5303.13
0278301494 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 Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof LE XX/XX/XXXX, hand signed by borrower XX/XX/XXXX, was received by borrower 3 days before consummation date of XXX 3.25.19 - Client responded. Agree.  Latest dated LE with issue date XX/XX/XXX wet-signed on consummation date XX/XX/XXX.  File does not contain an audit trail or tracking summary validating this LE was received/disclosed 4 business days prior to consummation. Requesting remediation.5.10.19 - Client responded. This is a technical violation but we deem this low risk.  LE issued on XX/XX/XXX; presumed delivery is XX/XX/XXX; eRegulations 1026 is clear on 3 day mail time  There is no requirement for LE to be signed  There are no unallowable changes from LE XX/XX/XXX to consummation CD There are no material changes from LE XX/XX/XXX to consummation CD The only issue is the LE was inadvertently signed at consummation5.10.19 - Clayton has reviewed and based on reason agrees this is non-material. 3.25.19 - Exception remains. 5.10.19 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves needed is 63,637.56, borrowers have $82,618.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI Max 43%, current DTI is 23.90%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 4 years and 5 months

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current home payment is 6589.33, new payment 5303.13
0278301494 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 LTV/CLTV Active B B B B CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No Approved Lender Exception to allow higher value of $XXXXXX with an 80% LTV; 81.19% LTV based on original purchase price of $XXXXXX within the past 12 months on XX/XX/XXXX. Compensating factors used to approve exception: Low DTI 23.90%, 795 qual score, high residual income of $25,608 monthly, borrowers employed in their respected professions for 10 and 8 years, credit report reflects all accts paid as agreed. Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves needed is 63,637.56, borrowers have $82,618.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI Max 43%, current DTI is 23.90%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 4 years and 5 months

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current home payment is 6589.33, new payment 5303.13
0278301494 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 PDA to support original appraised value. 4.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 720, borrower score 795

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves needed is 63,637.56, borrowers have $82,618.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI Max 43%, current DTI is 23.90%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed 4 years and 5 months

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current home payment is 6589.33, new payment 5303.13
0912466565 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 LTV/CLTV Active B B B B CRDLTV3028 LTV Exceeds Guideline Requirement by 10% or more No Lender approved exception for LTV of 80%. Per guidelines, maximum LTV 70% with prior mortgage loan modification in 2010. Lender compensating factors are stable employment, ability to repay and strong residual income. XXX has reviewed and based on compensating factors determined exception to be non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  B1 has been at current residence for 18 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in current profession for 20 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been at current job for 6 years 7 months.
0114465314 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 has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in same profession for 24 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked with current employer for 22 years.
0248106437 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 the original appraised value of $XXXXXX. 3.6.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.6.19 - 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 7.3 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Cash Reserves in the amount of $198,306.37;  PITI is $5,009.28; 39.58 months PITI in reserves.
0768092521 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:  Max LTV is 80%; subject transaction is at 69.33%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  42 months of mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 representative credit score exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($3,994.25 X 12 = $47,931). Post-Closing Reserves $213,320.78 .
0589223755 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 current employer for 17 years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 804 is 104 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 36.51% is 6.49% less than required 43%.
0444937452 XXXXXX MI 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. 4.4.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 20.79%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 790 exceeds guides.
0319371702 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 780 exceeds guidelines 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.12% below guideline requirement 43.00%
0503370540 XXXXXX PA 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 missing from file. 4.15.19 - Client responded. See attached Service Provider List 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower have been on current job for 14 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 14 years.
0503370540 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No 10% Tolerance Violation of $363.60 due to increase in Title Fees in Section C and no Service Provider List provided in file for Fee Allocation. 4.29.19 - Client responded. See attached Service Provider List. This eliminates the 10% tolerance issue as fees were in section c and paid to provider not on the SPL. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower have been on current job for 14 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 14 years.
0553378977 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 RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing the Homeowner's Counseling List. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  14 YEARS ON THE JOB

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 Credit Score

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.92% DTI
0553378977 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 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing the Service Provider List. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  14 YEARS ON THE JOB

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 Credit Score

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.92% DTI
0553378977 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 Assets Active B B B B CRDAST2670 Asset documentation is insufficient per guideline requirements No Lender to provide 2nd consecutive month for XXX.  Statement in file covers Nov 17 - Dec 17 2019.  Compensating factors include:  Job stability (14 YRS), Rep FICO 771, Low DTI (28.92%).  Clayton considers as non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  14 YEARS ON THE JOB

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 Credit Score

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.92% DTI
0438181732 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 of 29.95 below guideline requirement.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.92 below guideline requirements.
0884780174 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No PCCD XXX Summaries of Transactions Section K  Line 4 XXX CRE of $33,723.67 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 XXX CRE must be moved to the 'Adjustments' Section of K. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 7 years.
0072803769 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 CMPBI1616 MA Borrower Interest; Worksheet not properly dated No MA Borrower Interest Worksheet not signed or dated. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 771 exceeds guidelines requirements.
0447980465 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed 10 years on current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 qualifying FICO exceeds minimum required 680
0483295064 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 DTI Active B B B B CRDDTI105 Debt Ratio Exception 5% or Less No Front end DTI of 39.80% exceeds the maximum allowed of 36% by 3.8%. UW notes only state Housing Ratio is over 36%. Accepting with discretion. Do not see an exception approval in file from client. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Overall credit history is good with no late payments reporting

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Positive rent payment history with no late payments.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $231,170.08 exceed reserves required of $54,332 ($4,526.96 x 12).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 817 exceeds required score of 700 by 117 points.
0101851230 XXXXXX IN QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeownership Counseling List (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  30.04 months PITI reserves verified, max per guidelines is 13 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795  qualifying score. Min required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 6.81%, max per guidelines is 43.00%.
0747303019 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 TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No The seller CD is not present in file & required per TRID 2.0 to validate no other borrower costs paid by seller. 3.21.19 - Client responded. Disagree: Seller Side included on customer CD executed on XXX. 3.21.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 765 exceeds guideline requirements

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 23 years, stable employment history
0533468498 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit LTV/CLTV Satisfied C A C A CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Loan was approved at 80% LTV. LTV 85.01% exceeds guidelines by 5.01%. Loan is a Rate and Term < 12 months seasoning. Correspondent Guidelines page 194 require use of lower of purchase price or appraised value. Lender used appraised value of $XXXXX instead of original purchase price of XXX. No exception in file. 3.14.19 - Client responded. This loan was reviewed prior to XX/XX/XXXX when the guidelines regarding value for loans seasoned less than 12 months were updated.  Newsflash from XX/XX/XXXX is attached.  Underwriter indicated value was supported with comparables provided and increase addressed by appraiser. 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 9 years.
0900544326 XXXXXX MN 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 legible  2018 W2 for B1 and legible W2 for 2018 for B2. Documents provided are not legible. 3.19.19 - Client responded. See snapshot that can be enlarged of 2018 w-2's 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 12 years 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 16 years. Co-Borrower has been employed in current profession for 20 years.
0900544326 XXXXXX MN 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 CRDINC2408 Income verification does not meet guidelines No  Missing legible  2018 W2 for B1 and legible W2 for 2018 for B2. Documents provided are not legible. 3.19.19 - Client responded. See snapshot that can be enlarged of 2018 w-2's 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 12 years 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 16 years. Co-Borrower has been employed in current profession for 20 years.
0900544326 XXXXXX MN 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. 3.21.19- A Desk Review was received with a reported value of XXXXXX which supports the original appraised value of XXXXXX. 3.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with current employer for 12 years 9 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 16 years. Co-Borrower has been employed in current profession for 20 years.
0900035881 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:  Borrower has lived in and owned departure residence for 8+ years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession as a XXX for 40 years.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Written voe shows commission income not used to qualify.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  0x30 for 71 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceeds 126 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 59.27% exceeds guideline requirements of 80.00%
0676319422 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 B condition .   (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 32.82% is below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.38% is below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  760 representative credit score exceeds guideline requirement.
0215380751 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 A Desk review was received with a reported value of $XXXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXX. A field review has been ordered.   4.8.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 16 years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 24 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 794 exceeds the minimum required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.96% DTI is below the maximum of 43%
0862091578 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post close reserves of $183,828.16 or 44.43 months subject PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 755. Min 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 18.60%, which is 24.40% less than guideline max of 43.0%.
0668944314 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence the HELOC has been paid and closed to future draws; authorization not executed as required (pg. 722). 3.20.19 - Client responded. See attached evidence HELOC paid and closed. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 6.8 years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 51.13% is 18.87% less than required 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 734 is 14 points higher than required 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 26.05% is 16.95 less than required 43%.
0668944314 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 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing evidence the HELOC has been paid and closed to future draws; authorization not executed as required (pg. 722). 3.20.19 - Client responded. See attached Closing disclosure that shows on page 3 the XXX Heloc loan was paid off. And the Title Policy to show there is no lien as the HELOC is closed out. 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer 6.8 years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 51.13% is 18.87% less than required 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 734 is 14 points higher than required 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 26.05% is 16.95 less than required 43%.
0206051973 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D 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 Missing most recent 10 months receipt of alimony. 2 months documented in XXX and XXX. ( guidelines Non-conforming guidelines 825 page 125) 3.14.19 - Client responded. See bank statement attached for history of alimony 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08%. Max DTI is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 795. Minimum score is 700
0206051973 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D 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 form used in same Lender to same Lender refinance. (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 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08%. Max DTI is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 795. Minimum score is 700
0206051973 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XX/XX/XXXX: NMLS and Contact Information: State for License ID is missing for Loan Officers State License ID. Corrected by initial CD XXX. Exception satisfied. (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 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08%. Max DTI is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 795. Minimum score is 700
0206051973 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Guidelines require verification of 12 months Alimony. Missing most recent 10 months receipt of alimony. 2 months documented in XXX and XXX. ( guidelines require 12 months (Non-conforming guidelines 825 page 125) 3.14.19 - Client responded. See bank statement attached for history of alimony 3.14.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08%. Max DTI is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 795. Minimum score is 700
0206051973 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D 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 3.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for over 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.08%. Max DTI is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 795. Minimum score is 700
0354183536 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 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.82%; guideline maximum is 43%.
0222425484 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 credit score exceeds guideline minimum requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.32% is  below guideline requirement.
0786166234 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$60,914.76 in total assets documented.  Effective amount is $60,914.76, with liquid assets of $60,914.76.  Post close reserves are $45,881.77.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.79% is below guideline requirement.
0466116025 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 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 One or more amounts in the PCCD dated XXX Calculating Cash to Close columns do not match the LE from XX/XX/XXXX.   The LE column in the cash to close section of the PCCD XXX has  $16649 for total Closing costs and LE has $11641.  Provide missing LE that matches the Final CD or post close CD correcting the cash to close section. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per the eligibility matrix, the minimum credit score required was 700.  The qualifying credit score for the borrowers was 801.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the  eligibility matrix, the max DTI was 43%.  The borrowers DTI is 36.08%.
0466116025 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 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 One or more amounts in the PCCD dated XXX Calculating Cash to Close columns do not match the LE from XX/XX/XXXX.   The LE column in the cash to close section of the PCCD XXX has  $151899 for cash to close and LE has $146891.  Provide missing LE that matches the Final CD or post close CD correcting the cash to close section. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per the eligibility matrix, the minimum credit score required was 700.  The qualifying credit score for the borrowers was 801.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the  eligibility matrix, the max DTI was 43%.  The borrowers DTI is 36.08%.
0466116025 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 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  E-consent in file earliest date of XX/XX/XXXX. 4.2.19 - Client responded. Disagree.  See attached e-consent.4.2.19 - XXX has reviewed, e-consent provided is dated XX/XX/XXXX and application date for subject loan is XX/XX/XXXX. Please provide explanation for e-consent more than a year older than application date or provide e-consent meant for subject loan. 4.22.19 - Client responded. 4/19/2019:  eConsents are valid until revoked or withdrawn by customer. There is no evidence the eConsent was withdrawn. 4.22.19 -XXX has reviewed and sent to Compliance Department for further guidance. 4.23.19 - XXX Compliance Department has reviewed; e-consent only applies to the Mortgage Company listed on the e-consent in this case XXX. Note for subject is in the name of XXX. If these are different entities then e-consent is not valid for subject. 4.29.19 - Client responded. See attached eConsent. E-consent dated XX/XX/XXXX provided as required. 4.2.19 - Exception remains. 4.22.19 - Exception remains. 4.23.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per the eligibility matrix, the minimum credit score required was 700.  The qualifying credit score for the borrowers was 801.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the  eligibility matrix, the max DTI was 43%.  The borrowers DTI is 36.08%.
0211178485 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:  Credit report show 58 months positive mortgage payment history 0x30.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has been in the same profession for 9 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of $88,553.71 exceed required reserves of $40,596.48
0831700790 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Disclosures e signed, file missing e consent 3.19.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached. 3.19.19 Exception Satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guides at 17.16%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 804 exceeds guides.
0831700790 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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.   3.25.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guides at 17.16%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 804 exceeds guides.
0845568505 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 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 B condition .   4.15.19 - Client responded. Disagree:  XXXXXX is the Correspondent Seller and loan originator.  XXXXXX paid off XXX Home Mortgage.   Lender to Lender transaction not applicable.  Use of form H-8 acceptable.4.15.19 - Clayton has reviewed. ROR is based on original lender and not who the mortgage was eventually sold to. In this case XXXXXX was the Original lender per Title and the current Lender on new loan. H9 form should have been used. 4.15.19 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 21 months exceed guidelines 12 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66% below guideline requirements
0845568505 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Cd XXX: Loan costs screen: Section B: Does not list the name of the notary only states notary. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 21 months exceed guidelines 12 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 66% below guideline requirements
0724895937 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:  LTV of 55.06% is below guideline of 80%.

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  8 years at current residence.
0920331505 XXXXXX GA 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: XX/XX/XXXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: 16984CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: 16002.00 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed 43%, borrower DTI is 19.05%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 exceeds the minimum required.
0920331505 XXXXXX GA 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 VOR in file from private individual requires 12 months cancelled checks, money order receipts or bank statements to confirm payment history. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI allowed 43%, borrower DTI is 19.05%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 exceeds the minimum required.
0822457344 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing AFB Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0822457344 XXXXXX NJ 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 Total Closing Costs on the LE dated XX/XX/XXXX does not match the Total Closing Costs (LE Value) on the Final CD dated XXX - Calculating Cash to Close Section. LE Dated XX/XX/XXXX shows Total Closing Costs (J) as $14,589. CD Dated XXX shows the Loan Estimate Cash to Close Total Closing Costs (J) value of $16,881. Lender must provide a PCCD with correction within 60 days of closing (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0822457344 XXXXXX NJ 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 Cash to Close on the LE dated XX/XX/XXXX does not match the Cash to Close (LE Value) on the Final CD dated XXX- Calculating Cash to Close Section. LE Dated XX/XX/XXXX shows Estimated Cash to Close as $158,389. CD Dated XXX shows the Loan Estimate Cash to Close value of $160,681. Lender must provide a PCCD with correction within 60 days of closing. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0822457344 XXXXXX NJ 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 C B C B CMPTRID5115 TRID - Closing Disclosure:  The Creditors Brokers or Contact persons NMLS or State ID is missing No The Creditors Brokers or Contact persons NMLS or State ID is missing. Exception Not Valid: All required contact information for the Lender has been provided and entered.  NMLS ID was provided.  State ID is not required. 3.19.19 - Client responded. Disagree:  Lender not required to have NMLS and NJ State 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 3.19.19 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0822457344 XXXXXX NJ 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's CD: Lender must provide the Seller's CD per TRID 2.0 changes to verify if any other borrower costs paid by seller. 3.20.19 - Client responded. Disagree: Seller side included on borrower CD executed on XXX. Satisfies TRID requirements. 3.20.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0822457344 XXXXXX NJ 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 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 EConsent:Lender must provide evidence that the borrower consented to receiving disclosures electronically prior to the initial disclosure being issued. 3.19.19 - Client responded. Contacting Correspondent lender to obtain copy of eConsent4.10.19 - Client Responded - See attached eConsent. 3.19.19 - Exception remains. 4.10.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0822457344 XXXXXX NJ 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 CRDTER3262 Property issues indicated No Property is a flip transaction. Subject was purchased XXX for XXX. Lender approved exception in file. Property was renovated and increase is supported per appraisal. Exception is deemed non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$212,176.08 $ in total assets documented.  Effective amount is $212,176.08 , with liquid assets of $212,176.08 .  Post close reserves are $52,640.34   Reserves required $4308.20 x 12 = $51698.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score  700, current score  806
0885656787 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 $51,263.44.  Required reserves are $44,755.92 ($3,729.66 PITI x 12 months).

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score is 800 which exceeds required score of 700 by 100 points.
0647879695 XXXXXX NV 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 Lender to provide explanation and supporting documentation for the XXX  Credit account, in the amount of $1051/mo, that had been omitted from the Lender's ratios.   4.10.19 - Client responded. "The Correspondent client did not include documentation to support the removal so the underwriter removed the amount of the XXX Credit account from the assets. Even if the $1051 payment was included in the debt ratio, the ratio of 38.01% would still be acceptable and meet QM guidelines. 4.10.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$300,000 in total assets documented.  Effective amount is $300,000, with liquid assets of $300,000.  Post close reserves are $135,156.91.

CFCFS2854: Significant time in profession
- Clayton Comments:  10 years in the same profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years at current job.
0130531937 XXXXXX TN 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 CMPTRID3590 TRID - At least one LE was delivered on or after the date that a CD was delivered No LE XX/XX/XXXX signed XX/XX/XXXX; CD XXX-1 signed XXX 4.2.19 - Client responded. Disagree.  The CD in question with Date Issued XXX and signed by the borrowers on XXX is not a part of this loan transaction.  The Loan ID # XXX is evidence that this CD was a part of another loan transaction.  The Loan ID # for the documents associated with this loan transaction is XXX.  See attached Notes, CDs, and LE. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 31 years at current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary Borrower mid FICO 794 exceeds minimum FICO of 700 by 94 points
0130531937 XXXXXX TN QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Approved Lender Exception for being short $8,500 in liquid assets .  Per G/L only 50% of reserves can come from retirement.  Borrower needs $42,099.84 in reserves.  $21,049.92 need to be liquid.  Borrower has $14,226.63 in liquid funds. Compensating factors low DTI of 26.35%, additional income not used in ratios, and high credit scores. Clayton has reviewed and determined the exception to be 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 31 years at current job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary Borrower mid FICO 794 exceeds minimum FICO of 700 by 94 points
0363030056 XXXXXX TN 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 List of homeowners counseling organizations not in file. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 63.83% is under the guideline requirement of  80.00% by 16.17%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  774 exceeded the guideline requirement of  720  by  54 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0363030056 XXXXXX TN 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. 4.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 63.83% is under the guideline requirement of  80.00% by 16.17%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  774 exceeded the guideline requirement of  720  by  54 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0119956695 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 as a XXX, XXX for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves of 14.50 months, exceed guidelines of 12 months.

CFCFS2860: Good credit history
- Clayton Comments:  Credit report shows 0 x 30 on all open and closed accounts.
0843953027 XXXXXX WY 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:  31 months PITI reserves; 12 months PITI reserves required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  786 credit score.  Minimum required is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 28.75% below maximum allowed of 43%.
0659738794 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 of 22.31% is below guideline maximum.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 annual income per offer letter $125,000.00 not used in qualifying

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary earner credit score of 739 exceeds guideline requirement.
0239271485 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 795. Minimum credit score for this program is 720.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income and Schedule C income not used to qualify.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 60.46%. Max LTV for this program is 80.00%.
0437028838 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD: XXX, Section: Other Costs; Prepaids (F); Homeowners Insurance Premium is missing the number of months collected. Revised CD required that includes the number of months for Prepaid Homeowners Insurance. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 exceeds guideline requirement of 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 years 6 months, stable employment history
0437028838 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3604 TRID - Error discovered on Closing Disclosure No Final CD:XXX, Section: Loan Disclosures; Escrow Account; Will not have an escrow account was not disclosed as either You Declined It, or Your Lender Does Not Offer One. Revised CD with correct indicator required. revised CD and LOX to be sent to borrower 3.19.19 - Client responded. Contacting Correspondent lender to obtain updated CD. 4.1.19 - Client responded. See attached PC CD. 4.1.19 - XXX has reviewed and PCCD dated XXX corrects error. LOX to borrower included as well. 3.19.19 - Exception remains. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 756 exceeds guideline requirement of 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 years 6 months, stable employment history
0594116883 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 CMPTRID4377 TRID - CD: Closing Disclosure contains conflicting loan attributes No CD dated: XXX-Section: Loan Disclosure: Demand Feature Present: No Selection made for Demand Feature. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 797 exceeds guides.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of over $69,000.
0752405921 XXXXXX WA 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:  CoBorrower has worked at current job for over 7 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 779 exceeds guidelines requirements.
0344388558 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:  The median credit score is 798.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 102,784.27 in post-closing reserves, or 25 months subject PITIA.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with their current employer since 1994, 24 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is 35.69%.
0208353428 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 been with same employer for 7.1 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 13 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 773 is 73 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 33.78% is 9.22% less than required 43%.
0588653786 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D 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 Missing HELOC Note for departure property XXX verifying XXX loan amount and monthly payment of $1,925.00. 4.15.19 - Client responded. See attached approval. UW used $2249.31 as the qualifying payment on this HELOC 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified total cash reserves $915,612.60, $251,488.40 post close liquid reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 25 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 exceeds guidelines.
0588653786 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D 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 XXX: Section Loan Disclosure; Partial Payments "May hold them", and "does not accept any partial payments" are both selected. PCCD required with corrections to Loan Disclosure section Partial Payment must have only one selected. 4.15.19 - Client responded. Agree:  multiple boxes checked under Partial Payment options on Page 4 of Closing Disclosure.  Remediation Requested: PC CD with correct option selected.4.29.19 - Client responded. See attached PC CD with only one partial payment option selected. 4.15.19 - Exception remains. 4.29.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified total cash reserves $915,612.60, $251,488.40 post close liquid reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 25 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 exceeds guidelines.
0588653786 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide HELOC Note for departure property XXX verifying XXX loan amount and monthly payment of $1,925.00. 4.15.19 - Client responded. See attached approval. UW used $2249.31 as the qualifying payment on this HELOC 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified total cash reserves $915,612.60, $251,488.40 post close liquid reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 25 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 exceeds guidelines.
0588653786 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D 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 4.16.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.16.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified total cash reserves $915,612.60, $251,488.40 post close liquid reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of 25 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 exceeds guidelines.
0716378769 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past 4.5 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 790 > guideline minimum is 700.
0255900171 XXXXXX TX 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 PRVAPROP177 Property Issues Indicated No Provide paid receipts, cancelled checks, construction contracts, etc supporting the home improvements indicated per appraisal. Per appraisal, The recent updating includes; the kitchen, bathrooms, mud room and detached garage. The improvements include: hardwood, carpet and tile flooring, Quartz counter tops, kitchen island, crown molding, recessed lights, ceilingfans, tub and separate shower in main bathroom, covered entry porch, rear balcony and wood fence.   Per page 194 of guidelines, Home improvements must have been completed since the lien was originated, construction costs must be documented (paid receipts, cancelled checks, construction contracts, etc.), and the improvements must be supported by the current valuation. Home improvements may not equate to a dollar-for-dollar increase in value, and contributory value should be considered. 3.29.19 - Client responded. This was acceptable as this loan was registered in January and would follow the old guidelines on this topic which required the appraiser to comment on the increase in value. See attached Newsflash on this topic. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 787 is 87 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.50%, max per guidelines is 43%.
0405818343 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Borrower has been overall good credit history. No derogatory credit. No public record findings.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 737; minimum required credit score per guidelines is 720.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a 0x30; 73 month mortgage history review.
0351171283 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 16 months exceed guidelines of 12 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same Employer XXX for 6.5 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same Profession as a XXX for 10 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with the same Employer XXX for 5.1 Years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history of 49 months exceeds guidelines of 12 months.
0309119962 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum required credit score is 680. Representative credit score is 808.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Review DTI is 38.19.  Maximum DTI is 45.00%.
0307020092 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 775 exceeds guideline requirement.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 3 years 2 month stable employment history
0462071210 XXXXXX LA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $5.00 for increase in Title Fees/wire fee on CD XXX-1 for ten percent tolerance fees. 4.2.19 - Client responded. Disagree. The title Fees were disclosed in block C on the Loan Estimate issued XX/XX/XXXX and remained in Block C on the consummation CD issued XXX.  Borrower was given the option to shop and chose not to. 10% tolerance does not apply when borrower selects their own provider. Fees are unlimited tolerance category. This is not a testing defect so no corrective action is required. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  22 years on the job

CFCFS1736: Significant time at current residence
- Clayton Comments:  12 years in current residence

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  795 Credit Score

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.99% DTI

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $37,025Verified Assets $408,463
0692296859 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Compliance Repayment Ability Active B B B B CMPSTRA119 OH CSPA - No lender analysis of repayment ability in file No No lender analysis of repayment ability in file (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.49% DTI.
0692296859 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Tangible Net Benefit worksheet not in file (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.49% DTI.
0692296859 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1770 OH CSPA; Required Closing Disclosure not provided to borrower No Required Closing Disclosure not provided to borrower (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.49% DTI.
0692296859 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Property Valuations Appraisal Active B B B B PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing Completion Cert for the subject property; Subject appraisal is made Subject To for grading and sod.  While the cost to cure is only $6k, removing that amount from the borrower's verified liquid assets would cause a PCL reserve issue.  It is customary in northern states during the winter time for items such as sod and grading been finished when weather permits.  31.49% DTI, borrower in same profession for 17 years, 739 qualifying score.  Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  739 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.49% DTI.
0405025690 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 on current job for the past 13 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0 x30 on currently opened trade lines.
0706630257 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 XXX for 5 + years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $234,484.37 exceed guideline requirement of $53,339.29
0417397012 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $213,466.20 exceeds guideline requirement.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 33.29% is  below guideline maximum.
0659934251 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 allowed 43%, Current DTI 38.19%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed 680, borrower score 715

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves is $128,480.88, borrower has $221,925.76
0633465963 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 Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No CD XXX was signed on XX/XX/XXXX and has a disbursement date of XXX. Is this CD the Post Close . CD XXX is the Final CD which was signed on XX/XX/XXXX and has a Disbursement date of XXX. 4.29.19 - Client responded. See attached PC CD with updated disbursement date. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$112,266.19 in total assets documented.  Effective amount is $90,151.67, with liquid assets of $56,979.90.  Post close reserves are $80,216.44.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.58% below guideline requirement.
0633465963 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 Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD XXX was signed on XX/XX/XXXX and has a disbursement date of XXX. Is this CD the Post Close . CD XXX is the Final CD which was signed on XX/XX/XXXX and has a Disbursement date of XXX. 4.5.19 - Client responded. Agree: CD signed/dated after consummation on XXX reflects a disbursement date of XXX which is before the end of the statutory rescission period.  Appears rescission was re-opened after consummation took place on XX/XX/XXXX.  Corrected CD with updated disbursement date and per diem start date sent to consumers as well as an LOX from Lender explaining what happened here required to cure defect. Remediation requested4.29.19 - Client responded. See attached PC CD with updated disbursement date. 4.5.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$112,266.19 in total assets documented.  Effective amount is $90,151.67, with liquid assets of $56,979.90.  Post close reserves are $80,216.44.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.58% below guideline requirement.
0691583796 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX and Final CD XXX Other Cost Section F Homeowner's Insurance Premium Fee is missing payee information (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797/797 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  25 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $116,812.85 = 13 months PITI to cover all 3 financed properties.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  8 Years with the same employer.
0671385199 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0671385199 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A 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 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0671385199 XXXXXX PA 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 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0671385199 XXXXXX PA 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 C B C B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD XXX:  Calculating Cash to Close Section, Adjustments and Other Credits, missing reason for change. 4.2.19 - Client responded. Disagree.  Agree the explanation for the change in Adjustments and Other Credits was missing.  However, this defect is considered a non-numerical clerical error by XXX Compliance Testing team. Non-numerical clerical errors not considered significant or material defects and are not required to be remediated. A missing explanation for the change in Adjustments and Other Credits is not a testing attribute of the XXX Correspondent Compliance Testing team.4.2.19 - XXX has reviewed and agrees this is a non-material issue per TRID. 4.2.19 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0671385199 XXXXXX PA 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 C B C B CMPTRID3730 TRID - Error #2 discovered on Closing Disclosure No CD XXX Loan Disclosures section, Escrow Account, reason for not having an escrow account is not selected. 4.2.19 - Client responded. Disagree.  Agree with investor the closing disclosure dated XXX is missing a checked box for either "you declined it" or "your lender does not offer one" in the Loan Disclosure section.  However, this defect is considered a non-numerical clerical error by XXX Correspondent Compliance Testing team.  Validation of a checked box for either "you declined it" or "your lender does not offer one" in the Loan Disclosure section of the CD is not a testing attribute of the XXX Correspondent Compliance Testing team.  Non-numerical clerical errors not considered significant or material defects and are not required to be remediated.4.2.19 - XXX has reviewed and agree this is considered a non-material issue. 4.2.19 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0671385199 XXXXXX PA 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 CD: XXX is e-igned XX/XX/XXXX, however there is no evidence of e-sign consent in file. 4.2.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0671385199 XXXXXX PA 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 LE XX/XX/XXXX  is e-igned XX/XX/XXXX, however there is no evidence of e-sign consent in file. 4.2.19 - Client responded. Disagree.  Copy of e-delivery consent form is attached. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $116753.45 required to close with $198250.42 effective and liquid verified.  3713.24 * 12= $44558.88 required reserves with $81,496.97 verified.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 29 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 50 months of 0x30 mortgage payment history.
0784126012 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 CMPTRID3604 TRID - Error discovered on Closing Disclosure No Borrower Final CD XXX Reflects Seller Paid Fees in Sections A and B but are not included on the Seller CD. Seller CD also Reflects a Seller credit of $3000 but is not included in the Borrower Final CD Summaries of Transaction Section. Seller CD and Borrower CD need to match. 4.15.19 - Client responded. Disagree. Seller Credit listed on page 1 of the seller CD is $3000 and matches the itemized block A and B fees listed on the borrower CD that were paid by the seller at consummation. This is not a testing defect so no corrective action is required. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 14 years in profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO 738 exceeds minimum by 38 points.
0716690644 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 778 exceeds guideline requirement of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years
0253339904 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 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 B condition .   (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been Employed with the current Employer for 5.6 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.01% is below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  7773 representative score exceeds guideline requirement.
0429686224 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 CMPTRID5089 TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged No Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged 3.13.19 - Client responded. Agree: Contacting Correspondent Seller for remediation - Revised CD required to remedy defect.3.22.19 - Client responded. See attached PC CD and LOX. 3.22.19 - Clayton has reviewed and PCCD dated XXX corrects error and LOX provided. 3.13.19 - Exception remains. 3.22.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at the existing subject residence for 15 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 779. Minimum credit score required 720
0429686224 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 CMPTRID5097 TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures No Escrow waiver fee disclosed in the loan disclosures as $1,250.00 however fee is not disclosed in the loan or other costs sections. 3.13.19 - Client responded. Agree: Contacting Correspondent Seller for remediation - Revised CD required to remedy defect.3.22.19 - Client responded. See attached PC CD and LOX. 3.22.19 - Clayton has reviewed and PCCD dated XXX corrects error and LOX provided. 3.13.19 - Exception remains. 3.22.19 - Exception satisfied. Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided at the existing subject residence for 15 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 779. Minimum credit score required 720
0936042645 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:  759  qualifying score exceeds required per guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 30.15%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  32.92 months PITI reserves verified, per guidelines is 12 months required.
0218805827 XXXXXX PA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4210 TRID - LE:  Either both options or neither option was checked for the Servicing topic in the LE Other Considerations section No Final LE XX/XX/XXXX Section: Other Considerations, Servicing field, No designation was selected (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence for 11 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 10 years. Co-borrower has been in profession for 13 years.
0556111403 XXXXXX MO 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 in excess of $97,000.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Self employed income not used.
0399517656 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's fico score 790 exceeds guidelines requirements.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Current mortgage payment history of at least 32 months with no lates.
0307858471 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:  Post close reserves are $72,448.18.  Reserves equal 17.46 months of PITI reserves and exceed required reserves ($4,149.99 x 12 = $49,799.88).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 29.08 is below guideline requirement.
0122113827 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with current employer for more than 5 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV of 42.61 is much lower than the maximum of 70%.
0138811213 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 35.48%  is below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 88.93 months reserves.  Post close reserves are $424,190.39.  Reserves required $4,770.20 x 12 = $57,242.40

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 13 years and 11 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 808 exceeds guidelines.
0242160173 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current employer for 7.7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 18 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 70% is 10% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 764 is 64 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's mid FICO score of 27.69% is 15.31% less than required 43%.
0285662546 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:  60.67 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  7.5  years 0x30 mortgage reporting
0562591971 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B B A A A C B C B B A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No $72 Ten percent tolerance due to increase in  Recording fee from cd XXX to Final CD XXX and PCCD XXX without valid COC. Requires COC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 4.5.19 - Client responded. Agree.  The Recording Fees increased from $80 to $160 on CD issued XXX without a valid reason. There was no Over Tolerance verbiage disclosed in Section J of the Closing Disclosure. Refund is due to the borrower in the amount of $72. Remediation Requsted.4.10.19 - Client Responded - Client Provided PCCD XXX Reducing Recording Fee to $40. 4.5.19 - Exception remains. 4.10.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower current time at job 20.8years

CFCFS2854: Significant time in profession
- Clayton Comments:  borrower in current profession 23 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 36% is below guideline requirement
0562591971 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B B A A A C B C B B A A A C B Credit LTV/CLTV Satisfied B A B A CRDLTV3024 LTV Exceeds Guideline Requirement by less than 5% No Subject purchased less than 12mos prior to refinance. LTV 81.0377% based on loan amount XXX and original purchase price of XXX: LTV 78.09% based on current appraised value of $XXXXXX 4.2.19 - Client responded. This was acceptable as this loan was registered in January and would follow the old guidelines on this topic which required the appraiser to comment on the increase in value. See attached Newsflash on this topic. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower current time at job 20.8years

CFCFS2854: Significant time in profession
- Clayton Comments:  borrower in current profession 23 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI @ 36% is below guideline requirement
0293185506 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 $ XXXXXX. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have been at current residence for 8 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 22 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in same profession for 22 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 43.69% is 26.31% less than required 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 794 is 74 points higher than required 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 15.3% is 27.7% less than required 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $1,364,453.88 or 299 months excess reserves.
0345251531 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:  Calculated Assets $134,664.60; Effective Amount (Assets Used) $90,443.11; Liquid Assets $24,110.87; Subject PITI is $4,374.41; 17.72 months PITI in reserves.  Required reserves:  $4,374.41 * 12 = $52,492.92

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for 10.2 years.
0417369358 XXXXXX WY 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 4.5.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for 22 years and 7 months

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower had been in home for 17 years prior to this transaction

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 35.99%. Max DTI is 43%
0956910708 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 as an XXX for 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $59,704.54 exceed guideline requirement of $47,749.56
0412066877 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The Borrower has been at current job for 4 years and 3 months when only 2 years is required.

CFCFS2860: Good credit history
- Clayton Comments:  The Borrower has over 32 months of excellent rent payment history as per the VOR when only 0x30 is required in the past 12 months.
0607622361 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 6.11 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.90%; guideline maximum is 43%.
0167165747 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure is missing from file. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  41% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755/764 credit scores; minimum score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,399,391.14 = 207 PITI payments.
0167165747 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 Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Note & NORTC reflect XXX- Prior lien on the Commitment is XXX but was assigned to XXX. H9 is proper form that should have been used. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  41% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755/764 credit scores; minimum score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,399,391.14 = 207 PITI payments.
0167165747 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD's: XXX, Section: Other Cost (E) the recording fees are not itemized correctly. (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  41% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755/764 credit scores; minimum score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,399,391.14 = 207 PITI payments.
0167165747 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 CMPTRID3772 TRID - Error #10 discovered on Loan Estimate No LE's XX/XX/XXXX & XX/XX/XXXX, Lender License State is missing. Corrected on CD's dated XXX & XXX. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  41% LTV.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755/764 credit scores; minimum score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $1,399,391.14 = 207 PITI payments.
0700048291 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No MD Counseling Notice not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% below guideline of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $440527.82  in total assets documented.  Effective amount is $352581.36, with liquid assets of $352581.36.  Post close reserves are $136927.48  Reserves required $4662.17 x 12 = $55946.04
0700048291 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE issued XX/XX/XXXX was E-signed. Missing E-consent. 4.1.19 - Client responded.  Contacting Correspondent Client for e-Consent form.4.4.19 - Client responded. See attached e-Consent form. 4.1.19 - Exception remains. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% below guideline of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $440527.82  in total assets documented.  Effective amount is $352581.36, with liquid assets of $352581.36.  Post close reserves are $136927.48  Reserves required $4662.17 x 12 = $55946.04
0700048291 XXXXXX MD 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 CD XXX was E-signed. Missing E-consent. 4.1.19 - Client responded.  Contacting Correspondent Client for e-Consent form.4.4.19 - Client responded. See attached e-Consent form 4.1.19 - Exception remains. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 75% below guideline of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $440527.82  in total assets documented.  Effective amount is $352581.36, with liquid assets of $352581.36.  Post close reserves are $136927.48  Reserves required $4662.17 x 12 = $55946.04
0771987602 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 744. Minimum credit score required 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI 27.11%. Maximum DTI allowed 43.00%
0485661955 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:  Post close reserves are $135,766.68 .Required reserves : $86,122.32  ($7176.86x12).

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 28.95% is below guideline.
0116571603 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 RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Acknowledgement of receipt of Homeowners Counseling list in file but actual list is not. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI of 27.57%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 796 exceeds guides.
0116571603 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 CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is ($73.90)CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: 176.10CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Personal Property Amount, Value: 0 (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI of 27.57%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 796 exceeds guides.
0873337627 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 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. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX 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, XXX grades the use of an H8 form in a same-lender refinance as a level B condition .   (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:  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 17 years, 3 months.
0216973183 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 CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance fee due to Other Costs Section E Recording fees increasing from $365 to $475; tolerance permitted increase to $401.50; borrower responsibility is $400; Seller paid $75; no COC for increase to borrower portion of fee, but within 10% tolerance; exception satisfied (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 7 years 11 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in current profession for 7 years. Co-Borrower has been employed in current profession for 9 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $198,727.65 in total assets documented.  Effective amount is $198,727.65, with liquid assets of $198,727.65  Post close reserves are $97,284.74. Reserves required $3,217.84x12=$38,614.08.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 15.78 % is 20.22% below guideline maximum of 36%.
0087797404 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for XXXf or the past 5.10 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Mid Qualifying score is 770 > guideline minimum is 680.
0068068671 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Lender to provide final income calculation/breakdown to support $3999/mo "other" income as reflected on the final 1008, dated XX/XX/XXXX.   Lender to state where income is coming from.   4.15.19 - Client responded. "See attached Underwriter comments for Income calculation.  A conservative figure of $5k was used for RSU (options that are redeemed by borrower from employer as bonus pay) income.  $5k minus $1001 of spouses loss to get $3999/month. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 Rep FICO

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  64.25% LTV/CLTV is below guideline max of 80%
0068068671 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 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. 4.19.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  752 Rep FICO

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  64.25% LTV/CLTV is below guideline max of 80%
0901001912 XXXXXX MI 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 CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No List of homeowners counseling organizations not compliant, acknowledgement was in the file however no organizations were listed.   (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job for the past 6 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 6 years.
0901001912 XXXXXX MI 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: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 0.00CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 3345.25 (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job for the past 6 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 6 years.
0901001912 XXXXXX MI 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 CMPTRID5095 TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures No Final CD XXX Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures section 4.5.19 - Client responded. Agree:  Contacting Correspondent Client for documentation of Escrow Waiver fee on Page 4 of Consummation CD.  Escrow waiver fee not disclosed in Block A, B, or C.4.29.19 - Client responded. See attached PC CD and LOX.  Lender added escrow waiver fee to block A and Lender Credit in Block J to offset.  No charges to borrower post consummation   4.5.19 - Exception remains. 4.29.19 - Exception satisfied. Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job for the past 6 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for the past 6 years.
0383630142 XXXXXX MA 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 additional documented income (bonus) that is not being considered in qualifying.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 Rep FICO exceeds guidelines.
0204508169 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated PDA supporting original appraised value. 3.8.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$112,275.75  in total assets documented.  Effective amount is $112,275.75 , with liquid assets of $112,275.75.  Post close reserves are $112,275.75.  Reserves required $4002.22 x 12 = $48,026.64

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI 43% current DTI 20.14 %
0204508169 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Value Satisfied 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.   3.21.19- A Field Review was received with a reported value of XXXXXX which supports the original appraised value of XXXXXX. 3.21.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$112,275.75  in total assets documented.  Effective amount is $112,275.75 , with liquid assets of $112,275.75.  Post close reserves are $112,275.75.  Reserves required $4002.22 x 12 = $48,026.64

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI 43% current DTI 20.14 %
0056227833 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:  Borrower has resided in current owner occupied residence for 8 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower with employer for 20 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.49% DTI below max 43% allowed.
0720421524 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 8 years 2 months at current job

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 21 years 8 months at current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has 21 years 8 months in profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score 817 exceeds guidelines 720 score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves $441,873.84 - 12 months reserves required ($3,465.12 x 12 = $41,701.20)   Remainder $400,172.64 (note that appraisal lists HOA Dues $6.00/mo however submitted as $150.00/month - used worst case)
0266039303 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 CMPTRID3750 TRID - Error #10 discovered on Closing Disclosure No CD's XXX and XXX Loan Disclosures Section. Reason for Escrows being waived missing. The non-numeric material error has been satisfied on Post Close CD XXX. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in the subject property for 11 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has bee nXXX for 17 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The median credit score is 791.
0618585114 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 CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job for 24 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have 99 month mortgage history with no late payments.
0487700390 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:  820 qualifying score. Min required per guidelines is 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 15 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 8 years.
0226437085 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 793 exceeds guideline requirement of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with current employer for 7 years 5 months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have lived at current residence for 19 years.
0247265470 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past 6 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 qualifying score. Min required per guidelines is 700.
0219682507 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 Final CD XXX Other Costs section, Field E: Mortgage/Deed portion of recording fees are required to be itemized (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 4 years at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 773. Min 700.
0388849062 XXXXXX MA 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:  Written VOE dated XX/XX/XXXX documented bonus income for 2018 of $200,000 and 2017 of $125,000 not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per the eligibility matrix, the minimum credit score required was 720.  The qualifying credit score for the borrowers was 785.
0884691590 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 CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No CD: XXX [Final CD] and PC-CD: XXX Addendum, Missing Co-Borrower address and 2nd Seller address. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 9 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 13 years.
0884691590 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XX/XX/XXXX formatting , missing borrower's address. 3.25.19 - Client responded. Agree LE dated XX/XX/XXXX does not contain the borrower/applicant address, however, Electronic consent and electronic audit trail in file show borrower was provided LE in question on XX/XX/XXXX within required time period. LE was electronically signed evidencing borrower receipt. 3.25.19 - Clayton has reviewed and as this is a formatting error for transaction information considered non-material. 3.25.19 - Exception remains. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 9 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 13 years.
0298464240 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 $56,951.28.  Reserves required $3725.04 x 12 = $44,700.48

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 21 years job time.
0972160639 XXXXXX VA 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:  Per the WVOE, the borrower was employed with the current employer for 12years and 7 months with a start date of 7/24/2006..

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit dated 1/7/2019 reflects Mortgage history for departing residence of 0 x 30 in 73 months.
0220217143 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 5 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 784. Minimum credit score required 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total $42,800.28 reserves required for the subject transaction. Verified $128,060.51 or 35.90 months reserves
0404944312 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 of $182,067.01 / piti $5790.15 = 31.44 months reserves exceeds 12 months reserves required x piti $ 5790.15 = $69,481.80.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 27 years in her profession.
0296904285 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:  790 credit score exceeds required credit score of 700 by 90 points.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  41 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $217,341.90 = 65 months PITI.
0616179860 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 H8 form used for same lender to lender refinance. H9 form should have been used. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $46,664Verified Assets $213,796

CFCFS1736: Significant time at current residence
- Clayton Comments:  7 yeas in current residence

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  19 years on the job
0616179860 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX-1, Section: Other Costs, Recording fees not itemized. Corrected by C.D. XXX.  Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  RESERVESRequired 12 months $46,664Verified Assets $213,796

CFCFS1736: Significant time at current residence
- Clayton Comments:  7 yeas in current residence

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  19 years on the job
0065859787 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing November 2018 Bank Statement with all pages attached for XXX  account. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 10  years in his profession.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrowers LTV of 66.88% is under the guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  786 exceeded the guideline maximum.
0028567347 XXXXXX OR 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 Provide Missing Documents: Missing verification of some or all components of non-subject PITI; provide HOA Cert verifying $75 payment for Investor non-subject property XXX 4.2.19 - Client responded. See XXX bank statement showing monthly withdrawal of $75 XXX HOA dues (page 3 of 4) 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1456,822.26 or 45.21 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 816 exceeds guidelines of 740 by 76 points
0028567347 XXXXXX OR 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 some or all components of non-subject PITI; provide HOA Cert verifying $75 payment for Investor non-subject property XXX 4.2.19 - Client responded. See XXX bank statement showing monthly withdrawal of $75 XXX HOA dues (page 3 of 4) 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1456,822.26 or 45.21 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 816 exceeds guidelines of 740 by 76 points
0125945760 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 Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor . Original mortgage per title is with Guaranteed Rate Inc .and Lender per Note is Guaranteed Rate Inc. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 796 exceeds guideline requirement of 700.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 receives bonus income that is not being used to qualify.
0944688997 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 H8 form used for lender-to-lender refinance; should be H-9 form. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  50% LTV.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $163,792.33 = 38 months of PITI payments.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808/812 Credit Scores.
0380914510 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:  The borrower has been in current profession for 13 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 29.72%; max allowed per guidelines is 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  780 qualifying score. Min required per guidelines is 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $80,525.72  or 17.11  months PITIA, guidelines required 12 months PITIA
0984799893 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B 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 Final Closing Disclosure issued XXX: Partial Payments section of the Loan Disclosures section has both does not accept partial payments and may hold them in separate account checked. 3.29.19 - Client responded. "Agree - Multiple Partial Payment boxes checked for """"does not accept"""" and """"may hold them in a separate account"""" not acceptable. Contacting Correspondent Client for PC CD.XXX- Client responded. See attached PC CD dated XXX. 3.29.19 - Exception remains. 4.15.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have 18 years 1 month at current residence

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 53.33% below guideline requirements of 70%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves $306,203.55 - 12 months reserves required ($4121.94 x 12 = $4,121.94 x 12 = $49,463.28) - Surplus $256,674.27.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.21% below guideline requirement 43.00%
0757176873 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:  Post close reserves are $303,232.67.  Reserves required $4259.23 x 12 = $51,110.76

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 7.91% below guideline requirement.
0815066401 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at current job for over 6 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at primary residence for over 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  18.9486% DTI is below g/l max of 43%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.67% LTV/CLTV is below g/l max of 70%
0310156681 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:  ASSETS:$234,665.02 in total assets documented.  Effective amount is $234,665.02, with liquid assets of $234,665.02.  Post close reserves are $231,172.29.: Required reserves = $45,478.72

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 17.48 below guideline requirement.
0287382337 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 dated XXX; Section Other Cost H. Other; Line 06 and 08 is missing the payee. Issue corrected on subsequent CD dated XXX. Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $270,446.88 in total assets documented.  Effective amount is $270,446.88 with liquid assets of $270,446.88.  Post close reserves are $103,318.43.  Reserves required $4382.44x 12 = $52,589.28.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 36.46% is below guideline requirement of 43%.
0996918051 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 C C C C CMPTRID5051 TRID - CD: Inconsistency between the amounts disclosed for the Homeowners' Insurance premium in one or more sections of the CD Yes PCCD XXX Other Costs section field H: $2960 for 6 months HOI does not match per month in section G of $246.67. $2960/6 = $493.33 per month. Section F should reflect 12 months collected. 3.13.19 - Client responded. Agree.  Per Hazard policy Total Premium is $2,960 which covers 12 months.  $2960/12=$246.67 which aligns with HOI in section G.  Clerical error; no remediation required.3.13.19 - Clayton has reviewed and per TRID 2.0 this is a C level exception. 3.13.19 - Exception remains. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  766 qualifying score. Min required per guidelines is 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 23 years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0 late mortgage payments.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has 0 collections, judgments, tax liens or charge off on credit report.
0431808325 XXXXXX TX 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 Final CD XXX -Other Costs section Field H: Borrower paid Home Warranty is missing the optional designation. (No Data) (No Data) Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines.
0431808325 XXXXXX TX 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 XXX signed via email 3.21.19 - Client responded. Requesting e-Consent from Correspondent Client.4.1.19 - Client responded. See attached e-Consent dated XX/XX/XXXX. 3.21.19 - Exception remains. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines.
0431808325 XXXXXX TX 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 3.21.19 - Client responded. Requesting e-Consent from Correspondent Client.4.1.19 - Client responded. See attached e-Consent dated XX/XX/XXXX. 3.21.19 - Exception remains. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 18 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines.
0901697386 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 RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliated Business Disclosure was not provided (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VVOE, the co borrower was employed with the current employer for 9 years and 3 months with a start date of 20.39.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the eligibility matrix, the max DTI was 43%.  The loan closed with a DTI of 20.39%.
0901697386 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 E-consent was not provided 4.1.19 - Client responded. See attached e-Consent 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VVOE, the co borrower was employed with the current employer for 9 years and 3 months with a start date of 20.39.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the eligibility matrix, the max DTI was 43%.  The loan closed with a DTI of 20.39%.
0901697386 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 E-consent was not provided 4.1.19 - Client responded. See attached e-Consent 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per the VVOE, the co borrower was employed with the current employer for 9 years and 3 months with a start date of 20.39.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Per the eligibility matrix, the max DTI was 43%.  The loan closed with a DTI of 20.39%.
0661155334 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 788 exceeds guideline requirement of 720 by 68 points.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years
0134459628 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No All CD's Other Costs Section F - HOI missing number of months. Requires corrected PCCD, LOX and copy of shipping. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.12% DTI is below 43% maximum per guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Low LTV of 56.6%
0660123061 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 CMPTRID3604 TRID - Error discovered on Closing Disclosure No PC CD: XXX-1, Section: Summaries of Transactions.  K. Adjustments for Items paid by Seller in Advance. HOA and HOA Master are missing the dates.    (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current owner occupied residence for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  727 qualifying score. Min required per guidelines is 700.
0660123061 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 Provide the signature page for b1 2017 1040 personal tax returns. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in current owner occupied residence for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  727 qualifying score. Min required per guidelines is 700.
0456738462 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:  Post close reserves are $202,787.92 for 44.36 months exceeds reserves required of $54,714.84

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 37.26% below guideline requirement 43%.
0624124780 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:  775 credit score exceeds guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $182,567.96.  Reserves required $10,390.37 x 12 = $124,684.44.
0224569297 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:  793 rep FICO

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  24.16% DTI

CFCFS1736: Significant time at current residence
- Clayton Comments:  15 years at current residence

CFCFS2854: Significant time in profession
- Clayton Comments:  23 years in same profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  16 years XXX employed at current job
0822911511 XXXXXX KS 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. 4.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $79,973.31.   Required reserves $3,904.78 * 12 = $46,857.36

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 38.84%, max per guidelines is 43%.
0538753840 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:  8 years at current job per application.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has 10 years in current profession, per application.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  72.18%.  Max allowed is 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $75,671.31.  Required $40,269.84.
0639708643 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 is a XXX 4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 777. Min 700.
0345077275 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 the past 6 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0 x 30 on current trade lines.
0067934167 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the same employer for 21 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed with the same employer for 21 years.
0678493117 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:  Borrower's mid FICO score of 770 is 70 points higher than 700.
0630116407 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:  Maximum DTI allowed 43%, borrower current DTI 22.52%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is 700, borrower score is 816
0126641421 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guideline requirement.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 5 years 3 months, stable employment history
0104532570 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Cd XXX: Loan costs screen: Section C: Does not list the name of the provider for Survey only states TBD.  Issue corrected on Final cd XXX. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers had been in home for over 9 years prior to this transaction

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.38% is below guideline max.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves : $183,164.17 Reserves required: 12 months. $4,393.75x12= $52,725.00

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on job for 32 years and 10 months
0104532570 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Property Valuations Property Active B B B B PRVAPROP177 Property Issues Indicated No Lender approved exception per CRT Appraisal decision for property with 40 acres. Per Correspondent guides only allowed 10 acres. Comp factors: DTI is 27.38, 43.28 months reserves. Co-borrower has been on job for 32 years and 10 months.  38 .52 acres are  agriculture exempt and property is not being utilized as a business or a working ranch. Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers had been in home for over 9 years prior to this transaction

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.38% is below guideline max.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves : $183,164.17 Reserves required: 12 months. $4,393.75x12= $52,725.00

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on job for 32 years and 10 months
0272432800 XXXXXX SC 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 proof of delivery for Final LE dated XX/XX/XXXX. 4.1.19 - Client responded. Agree - contacting Correspondent Client for e-Consent. 4.1.19 - Client responded. Copy of e-consent dated XX/XX/XXXX, LOX from lender, email that borrower received LE, LE and COC provided. 4.1.19 - Exception remains. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.63%, max per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 14 years.
0272432800 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Credit Assets Active B B B B CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing page 1  from XX/XX/XXXX XXX Statement. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.63%, max per guidelines is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 14 years.
0142951750 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX: Section Other Cost B. Line 10 Fee is TBD. issue corrected on subsequent CD dated XXX, Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in their  Current  Residence for 20 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 31.11 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  796  exceeded the guideline requirement of  700  by  96  points.
0605264663 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Co- Borrower has been in same profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 751 is greater than guideline min of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 24.11% is  less than guideline max of 43%.
0517191701 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:  Per the  eligibility matrix, the minimum credit score required was 700.  The qualifying credit score for the borrowers was 764.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per the VVOE, the borrower was employed with the current employer since 8/26/2008.
0156597749 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:  Mid score = 783

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 16 years.
0309431254 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 evidence to verify monthly property tax for property XXX; Doc in file (pg. 900) reflects bi-annual payments of $2,737.61 resulting in a $456.27/mo. payment, which is what the lender used, however the doc does not reflect borrower name or property address for verification. 3.20.19 - Client responded. See attached property tax info 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.46%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.11 months PITI reserves verified, max per guidelines is 12 months
0309431254 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 Missing evidence to verify monthly property tax for property XXX; Doc in file (pg. 900) reflects bi-annual payments of $2,737.61 resulting in a $456.27/mo. payment, which is what the lender used, however the doc does not reflect borrower name or property address for verification.  Compensating factors include 21.90% DTI, $38,749 residual income, 18 mo. reserves.  XXX considers non-material based on compensating factors. 3.20.19 - Client responded. See attached property tax info 3.20.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  812 qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 36.46%, max per guidelines is 43.00%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.11 months PITI reserves verified, max per guidelines is 12 months
0115705178 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 borrower received initial CD a minimum 3 days prior to consummation date 3.25.19 - Client responded. Agree:  Need evidence of 3 day receipt of Closing Disclosure.  CD dated XXX, not signed.  Closing date is XXX. Requesting evidence of 3 day receipt of CD from Correspondent Client.4.15.19 - Client responded. See attached documentation. Prior response 3/26/19 - Agree: Need evidence of 3 day receipt of Closing Disclosure. CD dated XXX, not signed. Closing date is XXX. Requesting evidence of 3 day receipt of CD from Correspondent Client. 3.25.19 - Exception remains. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$135,604.88 in total assets documented.  Effective amount is $135,604.88, with liquid assets of $135,604.88.  Post close reserves are $135,604.88.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 30.33% is below guideline requirement.
0049832484 XXXXXX FL 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 20 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for 17.4 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 781 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 25.27% is below guideline maximum.
0831407051 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 783 exceeds guideline requirement of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 13 years 6 months, stable employment history
0119645426 XXXXXX IL 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:  48 months mortgage history with no late pays.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has owned her company for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $738,615.76/191.52 months exceeds the requirement of $46,278.84/12 month, $692,336.92/179.52 months.
0618376150 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Borrowers  have no derogatory items on credit report.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 12 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 8 years.
0262458635 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 CMPRESPA2720 RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. No List of homeowner's counseling organizations is missing the date. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.92 below guideline requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 7 years; Borrower has been in profession for 10 years.
0445284831 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 CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not located in file. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 808 exceeds guideline requirement of 700

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 15 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 6 years.
0087542178 XXXXXX MN 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 CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing the final CD for departure residence, required per Correspondent guides (pg 141), to verify proceeds to borrower for closing costs on subject transaction; check from XXXXXX to XXX Title on XX/XX/XXXX reflecting $XXXXX provided, however, per guides, the CD is required.  Compensating factors include 783 qual score, $19,290/mo. residual income, 23 months of 0x30 mortgage payment history, both borrowers have 8 years in profession.  Clayton considers non-material based on compensating factors.       (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects 23 months of 0x30 mortgage payment history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 8 years.
0087542178 XXXXXX MN 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. 4.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  783 qualifying score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects 23 months of 0x30 mortgage payment history.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been in their respected professions for 8 years.
0387497837 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit LTV/CLTV Satisfied C A C A CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Recalculated LTV of 89.75% exceeds max allowable LTV of 80% due to 12 month ownership seasoning requirement not met.  It appears lender used $XXXXX or $XXXXXX to qualify.  Subject property was acquired in XXXXXX which requires the acquisition cost of $XXXXX to be used to calculate the LTV.  Lender provided documentation of improvements; however, the appraised value of $XXXXXX is not supported based on this documentation. 4.2.19 - Client responded. This was acceptable as this loan was registered in January and would follow the old guidelines on this topic which required the appraiser to comment on the increase in value. See attached Newsflash on this topic. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 6 years 2 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 91 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.81% DTI is below the maximum allowable DTI of 43%.
0652325915 XXXXXX CO 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 owned and resided in the subject for seven years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CO-Borrower has been with same employer XXX for 8 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage Payment history of 50 months exceed guideline requirement of 12 months

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Credit report shows 0x30 for50 months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves exceed 117 months
0061875382 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 28.03/30.82%. Maximum DTI per guidelines is 36/43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in profession for 10 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: $ 233,165.20 in total assets documented. Liquid assets of $ 233,165.20. Post close reserves are $ 123,219.33. Reserves required $ 4,193.57 x 12= $ 50,332.84.
0074521310 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 for 40mos maximum required 12mos

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have cash Reserves $290,394.07 80.35 months PITI reserves; 18 months PITI reserves required.
0084498802 XXXXXX MO QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D 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 Escrow Agreement to establish and escrow account with the City of XXX, Missouri.  See Agreement in the for the complete explanation of the account.  $5,000 is listed on the CD under Other Costs "H" #2 - Repair Escrow to Arch City Title. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative credit score exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  86 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($6,016.07 X 12 = $72,192.84). Post-Closing Reserves $180,399.33 .
0084498802 XXXXXX MO 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 Initial CD XXX Loan Costs Section B Inspection Fee missing Payee. Error corrected on Subsequent Final CD XXX.Final CD XXX - Seller CD shows Fees in Section C and H that are Not Listed on Borrowers Final CD. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative credit score exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  86 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($6,016.07 X 12 = $72,192.84). Post-Closing Reserves $180,399.33 .
0084498802 XXXXXX MO 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. 4.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 representative credit score exceeds guidelines.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  86 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($6,016.07 X 12 = $72,192.84). Post-Closing Reserves $180,399.33 .
0802248573 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 his employer 25+ years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower having positive payment history with XXX for 84+ months, No late payments.
0633924956 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:  812 qualifying score. Min required per guidelines is 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 16  years.
0048791332 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 Affiliate Business Disclosure missing from file. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 26.30%. Max DTI for this program is 43.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score of  809 exceeds guidelines.
0083770913 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% DTI below max 43% allowed,

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post-closing funds in the amount of $162,221.83 @ 21.39 PITIA months reserved
0769253308 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 rental income for XXX.  The property is not listed on tax returns.  Per guidelines, Tax Returns aged nine months or more from previous tax year file must be include current lease and 3 months cancel checks. (see page 825.23 Correspondent XXX Seller Guide). 5.8.19 - Client responded. See attached lease agreement and deposits totaling $3500 monthly from the tenant XXX 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 784.  Minimum required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144769.63.  Reserves required $9392.28 x 12 = $112,707.36.
0769253308 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 Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX and Final CD XXX Loan Costs Section C - Notary Fee Payee shows as 'TBD'. Error is Satisfied on PCCD XXX. Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 784.  Minimum required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144769.63.  Reserves required $9392.28 x 12 = $112,707.36.
0769253308 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 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 Only Econsent found in File is Dated XX/XX/XXXX per Esigne Process Summary. LE was Esigned XX/XX/XXXX with no Prior Econsent in File. 5.22.19 - Client responded. 5/22/19:  see attached eConsent documentation. 5.22.19 - Clayton has reviewed and E-consent provided and dated XX/XX/XXXX. 5.22.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 784.  Minimum required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144769.63.  Reserves required $9392.28 x 12 = $112,707.36.
0769253308 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 verification of rental income for XXX.  The property is not listed on tax returns.  Per guidelines, Tax Returns aged nine months or more from previous tax year file must be include current lease and 3 months cancel checks. (see page 825.23 Correspondent XXX Seller Guide). 5.8.19 - Client responded. See attached lease agreement and deposits totaling $3500 monthly from the tenant XXX 5.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The borrowers qualifying score is 784.  Minimum required score 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $144769.63.  Reserves required $9392.28 x 12 = $112,707.36.
0677241802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR expiration is XX/XX/XXXX and disbursement date is XXX which is  before end of statutory rescission period 4.4.19 - Client responded. See attached PCCD. Prior Response 4-02-19: Agree. Disbursement date on Final CD executed by consumers on XXX is XXX. Corrected CD with updated disbursement date sent to the consumers is required to cure defect. Remediation requested 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has $15,000 monthly in bonus income not used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years at current job
0677241802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR expiration is XX/XX/XXXX and disbursement date is XXX which is  before end of statutory rescission period 4.2.19 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Corrected CD with updated disbursement date sent to the consumers is required to cure defect. Remediation requested4.4.19 - Client responded. See attached PCCD. Prior Response 4-02-19: Agree. Disbursement date on Final CD executed by consumers on XXX is XXX. Corrected CD with updated disbursement date sent to the consumers is required to cure defect. Remediation requested 4.2.19 - Exception remains. 4.4.19 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has $15,000 monthly in bonus income not used to qualify.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 10 years at current job
0485650495 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 Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 ROR form used in Lender to Lender refinance. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same XXXXX profession as a XXX for 24 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 20+ months

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  VOR/VOM shows 0 x30 for 4+ years
0830745927 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for the past 20 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history currently 0x30 on all opened accounts.
0209629009 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 legible copy of most recent paystubs used to calculate bonus income of $2,589.17. Paystubs provided dated 12.17.18, 12.14.18, and12.26.18 are not legible. 3.18.19 - Client responded. See attached snapshots of paystubs 3.18.19 - XXX has reviewed and paystubs provided are legible. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with the current employer for over 29 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing subject residence for over 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 807. Minimum credit score required 720
0209629009 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 RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing RESPA: Required Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with the current employer for over 29 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing subject residence for over 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 807. Minimum credit score required 720
0209629009 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 CRDINC3204 Income Documentation Missing No Missing legible copy of most recent paystubs used to calculate bonus income of $2,589.17. Paystubs provided dated 12.17.18, 12.14.18, and12.26.18 are not legible. 3.18.19 - Client responded. See attached snapshots of paystubs 3.18.19 -XXX has reviewed and paystubs provided are legible. 3.18.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with the current employer for over 29 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the existing subject residence for over 17 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 807. Minimum credit score required 720
0558769881 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4991 TRID - CD: The Due from Borrower at Closing amount disclosed in the CD Summary of Transactions section does not equal its component parts No CD: XXX [Last CD], Section: Summaries of Transactions, Field: K. Due from Borrower at Closing - Total, Value: 665106.22CD: XXX [Last CD], Section: Summaries of Transactions, Field: K. Due from Borrower at Closing - Total Calculated, Value: 682675.34Final CD XXX- Summaries of transaction closing cost paid in the amt of $17,567.12 fee does not equal its component parts. Please provide post CD with revised fee's. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.24 DTI; Program max 43 DTI

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  68 months 0x30; program requires 12 monhts
0558769881 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B 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 10% tolerance on final CD XXX- section B, C Title settlement closing fee, title archive, survey fee all increased. No COC in file to validate changes. $614.60 4.5.19 - Client responded. Disagree.  The Survey Fee of $300.00 disclosed on the Loan Estimate was listed in Section C (Services You Can Shop For).  The Service Provider List disclosed a service provider for this fee as XXX.  The consummation CD disclosed the Survey Fee in Section C for $1000.00 payable to XXX.  Since the borrower was provided the opportunity to choose their survey provider and did choose their own survey provider, this fee does not fall under the 10% fee tolerance category.  The fee would be in the unlimited category.  There is no fee tolerance violation and the borrower is not due a refund. 4.5.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  20.24 DTI; Program max 43 DTI

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  68 months 0x30; program requires 12 monhts
0101400304 XXXXXX WA 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 CMPTRID5089 TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged No Escrow waiver fee $1660 is listed in the Disclosure section on the Final CD XXX but is not listed in the Loan costs or evidence fee was even charged 3.11.19 - Client responded. PCCD dated XXX correcting error along with letter to borrower provided as required. 3.11.19 - Exception satisfied. Not Applicable Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  12 Years in the same home.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788/787 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  63 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Remaining Post Closing Reserves $52,523.35 = 13 months PITIA payments.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Consolidating 1st & 2nd resulting in a savings of $1,706.73 per month.
0101400304 XXXXXX WA 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 CMPTRID5097 TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures No Escrow waiver fee $1660 is listed in the Disclosure section on the Final CD XXX, no evidence in the file that it was charged. 3.6.19 - Client responded. Agree:  Correspondent Seller disclosed $1660 in Escrow Table page 4; there is no corresponding fee on Page 2 of Closing Disclosure. Corrected CD required to remediate and $1660 refund if charged to borrower. Remediation requested.3.11.19 - Client responded. PCCD dated XXX correcting error along with letter to borrower provided as required. 3.6.19 - Exception remains. 3.11.19 - Exception satisfied. Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  12 Years in the same home.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788/787 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  63 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Remaining Post Closing Reserves $52,523.35 = 13 months PITIA payments.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Consolidating 1st & 2nd resulting in a savings of $1,706.73 per month.
0101400304 XXXXXX WA 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. 3.6.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  12 Years in the same home.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  788/787 Credit Scores.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  63 months of mortgage payments made as agreed.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Remaining Post Closing Reserves $52,523.35 = 13 months PITIA payments.

CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Consolidating 1st & 2nd resulting in a savings of $1,706.73 per month.
0639946120 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX-1 and XXX-1 Last CD, Section: Loan Costs, Is the Loan Costs Details section properly formatted?, Value: No- Service Provider not indicated for Tax Service fee; verification needed if 3rd Party Provider is an actual vendor name. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 816 exceeds guideline requirement of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job; 7 1/2 years with current employer XXX as XXX
0639946120 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 LTV/CLTV Active B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Approved Lender exception for 80% LTV with previous Deed in Lieu.  Compensation factors include 33.12% DTI, re established excellent credit history, stable employment of 7 and 5 years at job and 18 and 30 years in professions respectfully, residual income 16,800/mo., and 17 months reserves.  XXX considers non-material based on compensating factors.    (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner of 816 exceeds guideline requirement of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job; 7 1/2 years with current employer XXX as XXX
0500294094 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Confirmation List of homeowners counseling organizations was sent/received by borrower in file, however, List of homeowners counseling organizations not in file to confirm if compliant. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 800 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 14 months exceed guidelines 12months PITI
0500294094 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance 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:  Credit score 800 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 14 months exceed guidelines 12months PITI
0500294094 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4377 TRID - CD: Closing Disclosure contains conflicting loan attributes No CD XXX: Loan disclosures screen: Demand feature does not have a selection checked. Please provide an updated Cd to reflect the updated information. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 800 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 14 months exceed guidelines 12months PITI
0500294094 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD XXX Loan Disclosures section, Escrow Account, reason for not having an escrow account is not selected. 4.1.19 - Client responded. Agree. Contacting Correspondent Client for PC CD with correction4.1.19 - Client responded. See attached PC CD. 4.1.19 - Clayton has reviewed and PCCD dated XXX corrects error. 4.1.19 - Exception remains. 4.1.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 800 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 14 months exceed guidelines 12months PITI
0205616307 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 XXX corrects finance charge issue from final CD . Exception satisfied (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employment for 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 774 is 74 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 31.51% is 11.49% less than required 43%.
0205616307 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 PC CD dated XXX corrects finance charge issue from final CD . Exception satisfied (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employment for 7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 12 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 774 is 74 points higher than required 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 31.51% is 11.49% less than required 43%.
0955864978 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 30.25%. Max DTI for this program is 43.00%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 26.93%. Max LTV for this program is 80.00%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income for B2 not used to qualify.
0812984689 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 with employer for 33 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  794 representative FICO exceeds minimum 700 required
0187549336 XXXXXX AL QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.16.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 4.16.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have lived in their primary residence for 18 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 28 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 qualifying score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 84 months of 0x30 mortgage payment history.
0187549336 XXXXXX AL QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Value Satisfied N/A A N/A B PRVAVALU153 Value Not Supported No 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.   4.25.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have lived in their primary residence for 18 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in the same profession for 28 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  773 qualifying score.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 84 months of 0x30 mortgage payment history.
0443953130 XXXXXX ME QM: Safe Harbor QM: Safe Harbor D A A A D A D A D A A 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 2018 Balance Sheet for XXXXXX; 2018 Schedule C (profit & loss statement) provided.  Lender application date XX/XX/XXXX.  While the lending underwriter is able to waive these income verification documents, they are still required by QM regulations.   4.16.19 - Client responded. See attached 2018 balance sheet (page 6 of 22) 4.16.19  - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been XXX in their respected professions for 30 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX at current business for 11 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have at least 50 months 0x30 mortgage payment history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have lived in their primary residence for 24 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.75% DTI.
0443953130 XXXXXX ME QM: Safe Harbor QM: Safe Harbor D A A A D A D A D A A 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. 4.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been XXX in their respected professions for 30 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX at current business for 11 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have at least 50 months 0x30 mortgage payment history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 qualifying score.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have lived in their primary residence for 24 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.75% DTI.
0846626155 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 of 37.78 is below guideline requirements.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 753 exceeds guideline requirement of 720.
0159957556 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 Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Disbursement date is Fri XXX. ROR 'midnight of' date is Wed XXX. Loan consummated on XXX. 4.29.19 - Client responded. See attached PC CD issued XXX has XXX Disbursement date page 1 and XXX per diem start date page 2.  Final settlement in file indicates loan settled on XXX.   Funds disbursed after rescission end date of midnight XXX.   4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$756,669.38 in total assets documented.  Effective amount is $756,669.38, with liquid assets of $756,669.38.  Post close reserves are $252,543.90.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.92% below guideline requirement.
0159957556 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 Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Disbursement date is Fri XXX. ROR 'midnight of' date is Wed XXX. Loan consummated on XXX. 4.5.19 - Client responded. Agree with Investor.  Disbursement date on Final CD executed by consumers XXX is XXX.  ROR rescission ends midnight XXX.  Corrected CD with updated disbursement date sent to the consumers is required to cure defect. Remediation requested.4.29.19 - Client responded. See attached PC CD issued XXX has XXX Disbursement date page 1 and XXX per diem start date page 2.  Final settlement in file indicates loan settled on XXX.   Funds disbursed after rescission end date of midnight XXX.   4.5.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS:$756,669.38 in total assets documented.  Effective amount is $756,669.38, with liquid assets of $756,669.38.  Post close reserves are $252,543.90.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 20.92% below guideline requirement.
0041217930 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 current employer for 17 years 4 months stable employment history

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.41% below guideline maximum.
0059240622 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 of 70% is 10% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 799 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 32.74% is below guideline maximum.
0824360308 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:  784 representative credit score exceeds guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 months reserves required ($6,105.85 X 12 = $73,270.20). Post-Closing Reserves $126,158.68.
0597293278 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:$230,623.70 in total assets documented.  Effective amount is $230,623.70, with liquid assets of $149,122.82.  Post close reserves are $91,701.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.05% below guideline requirement.
0035632231 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:  54.63 (195,601.23) months PITI reserves; 12 (42,968.76) months PITI reserves required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.12% below guideline requirement of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has 8 years 6 months in current job.
0604483770 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:  Verified 32.63% DTI. Max allowed is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified 196.31 months PITI reserves. Minimum required 12 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Verified 796 median FICO. Minimum required 700.
0904018293 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 759. Minimum credit score for this program is 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 50.00%. CLTV 66.66%. Max LTV for this program is 80.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 18 years.
0520082748 XXXXXX PA 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 CRDAST205 Insufficient Funds to Close No Missing evidence of liquidation for funds required to close of $15,911.70; $228,440.11 CTC required (including $40K not verified) with only $212,528.41 liquid verified.  Check for $10k provided to evidence payment of EMD, however not sourced as check is dated XX/XX/XXXX and last date of XXX statement provided is XX/XX/XXXX.  Compensating factors include: 775 qualifying score, $12,901/mo residual income, B1 in profession for 10 years, 82 months of 0x30 mortgage payment history.  Clayton considers non-material based on compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 qualifying score. Min required per guidelines is 720

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 7.7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0520082748 XXXXXX PA 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. 4.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 qualifying score. Min required per guidelines is 720

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for 7.7 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in current profession for 10 years.
0778192079 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 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 XXX 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, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 representative exceeds minimum 700 required.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer 16 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  26.76% DTI below max 43% allowed
0607965823 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 112 months cash reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 24.58%. Max DTI for this program is 43%.
0133040394 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. 3.6.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post cash reserves in the amount of $470,601.05; Subject PITI is $5,564.10; 84.57 months PITI in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 32.61%; guideline maximum is 43%.
0365045071 XXXXXX LA 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 Final CD XXX Calculating Cash to close section Closing Costs Financed lender has 0.00 actual calculation 5770.41 closing costs $12255.91 - POC $6485.50 = $5770.41 (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in the subject residence for 6.5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.86%; max allowed per guidelines is 70%.
0365045071 XXXXXX LA 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 that the XXX HELOC is paid and closed to future draws. 3.25.19 - Client responded. See attached Title Policy showing that there is no 2nd mortgage attached to the subject property and the Closing Disclosure showing the 2nd mortgage was paid off at closing. 3.25.19 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided in the subject residence for 6.5 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for 15 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  791 qualifying score. Min required per guidelines is 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is 52.86%; max allowed per guidelines is 70%.
0683961746 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide the signature page for B1 and B2 for the 2017 and 2016 self-prepared 1040 personal tax returns. 4.3.19 - Client responded. The tax returns are not required to be signed since only w-2 income was used in qualifying. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.29%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 700.
0683961746 XXXXXX NC 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 B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No $4733.21 reserves shortfall. Per guidelines, 12 months PITI ($4,395.17 * 12 = $52,742.04) post-closing reserves required. File contains only $48,008.83 post closing reserves. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.29%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 700.
0683961746 XXXXXX NC 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 Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Provide the signature page for B1 and B2 for the 2017 and 2016 self-prepared 1040 personal tax returns. 4.3.19 - Client responded. The tax returns are not required to be signed since only w-2 income was used in qualifying. 4.3.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 29.29%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  787 qualifying score. Min required per guidelines is 700.
0738188753 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 Missing Required Affiliate Business disclosure (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in same profession for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 776 is 76 points higher than required 700.
0346194334 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 CMPTRID3478 TRID - Written List of Providers not compliant No The written list of providers is missing the name of a provider. Instead of a service & provider name the comment states "see attached providers list" however there is no attachment. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.61% below guideline requirements 80.00%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 806 exceeds guidelines of 700

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 19 years at current job

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 19 years in profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has 12 years at current job

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Reserves $567,212.79 - 12 months reserves required ($1,454.92 x 12 = $53,459.04) Surplus $513,753.75
0934972719 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 Lender to provide legible copies of 2016 and 2017 W2 forms.  W2 forms provided for 2016 and 2017 are not legible. 3.11.19 - Client responded. See pages 12 and 13 of attached PDF. Enlarging the document makes for legible viewing. 3.11.19 - XXX has reviewed and legible documents provided. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 10 years.
0934972719 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 Affiliate Business disclosure (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 10 years.
0934972719 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 TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID5089 TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged No CD: XXX Last CD Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value: 1450.00 and Section: Loan Costs, Message: Sum of Sub Sections A, B and C, Field: Escrow Waiver Fee Amount, Total Value: $0.00. Escrow waiver fee not shown in Summaries of Transactions. 3.13.19 - Client responded. Agree: Contacting Correspondent Seller for remediation - Revised CD required to remedy defect.3.25.19 - Client responded. Screenshot provided to reflect the escrow waiver fee was embedded pricing/adjustment to the final adjusted rate of 4.25%. 3.13.19 - Exception remains. 3.25.19 - Exception satisfied. Not Applicable Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 10 years.
0934972719 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 TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID5097 TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures No CD:XXX Last CD Section: Loan Disclosures, Field: Escrow Waiver Fee Amount, Value: 1450.00 and Section: Loan Costs, Message: Sum of Sub Sections A, B and C, Field: Escrow Waiver Fee Amount, Total Value: $0.00. Escrow waiver fee not shown in Summaries of Transactions. 3.13.19 - Client responded. Agree: Contacting Correspondent Seller for remediation - Revised CD required to remedy defect.3.25.19 - Client responded. Screenshot provided to reflect the escrow waiver fee was embedded pricing/adjustment to the final adjusted rate of 4.25%. 3.13.19 - Exception remains. 3.25.19 - Exception satisfied. Numeric Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 10 years.
0934972719 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 CRDINC2408 Income verification does not meet guidelines No Lender to provide legible copies of 2016 and 2017 W2 forms. W2 forms provided for 2016 and 2017 are not legible. XXX considers non-material based on compensating factors 3.11.19 - Client responded. See pages 12 and 13 of attached PDF. Enlarging the document makes for legible viewing. 3.11.19 - XXX on has reviewed and legible documents provided. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession for 10 years.
0440611264 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:  Post close reserves are $105,897.96.  Reserves required $4,059.255x 12 = $48,711.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.47%.  Max 43%.
0051061731 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 37.74%; max allowable per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of 766 is 66 points above the minimum required score of 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves of $116,435.78 exceed reserves required of $4,657.20 x 12 = $55,886.40.
0609126596 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:  Per the eligibility matrix, the minimum credit score required was 720.  The qualifying credit score for the borrowers was 790.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Written VOE for borrower dated XX/XX/XXXX reflects additional Bonus income and other income not used to qualify.
0124567122 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $1,894,710.51 exceed 12-month PITI reserve requirement of $105,886.44 ($8,823.87 PITI x 12 months) by $1,788,824.07.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score is 700.  Representative credit score is 770.
0603177742 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 Calculating Cash to Close, LE: XX/XX/XXXX Loan Estimate column does not match final CD XXX Calculating Cash to Close table. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  229 Months PITI reserves exceeds minimum 12 months required per guidelines

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  3 years 0x30 mortgage reporting
0808463880 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 H8 form used in same lender to same lender refinance. H9 form should have been used. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over 7 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 794. Minimum credit score required 700
0081424120 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has worked in the same profession fro 6 years. B2 has worked in the same profession for 12 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.52% is 20.48 points below the maximum allowable DTI of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $80,572.84.  Reserves required $3,053.14 x 12 = $36,637.68.
0938138860 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:  782 representative FICO exceeds minimum 700 required.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.48% LTV below max 80% allowed.
0499587787 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 been with the same employer for 12 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO is 785, minimum required per G/L is 720

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has Post close reserves in the amount of $899,914.37.  Reserves required $6732.55 x 12 = $80,790.60
0683858793 XXXXXX HI 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 Ten percent tolerance fee increased $139.55 for Condo Questioner fee. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $139.55. 4.2.19 - Client responded. Agree.  The Condo Questionnaire Fee increased from $295 on initial LE Block B issued XX/XX/XXXX to $434.55 on consummation CD Block B dated XXX without a valid reason. There was no Over Tolerance verbiage disclosed in Section J of the Closing Disclosure. This is a 0% tolerance fee due to being in Block B on LE and CD. Refund due to the borrower in the amount of $139.55. Requested remediation.4.10.19 - Client Responded - Client provided PCCD, LOE, Proof of Delivery and Refund Check of $139.55. 4.2.19 - Exception remains. 4.10.19 - Exception Satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per the WVOE, the borrower was employed with the current employer since 7/17/2006.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per the eligibility matrix, the minimum credit score required was 700.  The qualifying credit score for the borrowers was 782.
0163751250 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B 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 $10.00 zero tolerance due to increase in Title-Admin Processing Fee from $150.00 to $160.00 without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 3.29.19 - Client responded. Disagree. Title-Admin Processing Fee is listed on Block C on the LE and moved to Block B on the consummation CD. Fee is subject to 10% tolerance as fee was intially disclosed in Block C and the borrower was able to shop for title services and did not shop. This is not a testing defect so not corrective action is required. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner is 788, exceeds guideline requirement of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 38.28% is lower than the max allowed of 43% per guidelines.
0832236421 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 TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written list of providers (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 7 years.
0832236421 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 PDA to support original appraised value. 4.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has been employed for 7 years.
0216369245 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:  33.73% DTI is below the maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 803 exceeds guidelines 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 38 months exceed guidelines required 12 months.
0967613620 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 is 700, borrower score is 802

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $222,864.42 in reserves borrower needs $92,474.96 in reserves: Reserves required subject is $4890.73 x 12 = $58,688.76. Additional properties reserves is  $2955 x 6 = $17,730 and $2676 x 6 = $16,056
0085342062 XXXXXX TX 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.The loan file is missing proof that the monthly mortgage payment contains escrows (properties taxes and homeowners insurance) for the departing residence with a monthly payment of $3125. 2.The loan file is missing proof of the property taxes for XXX. Only the hazard insurance is in file ($1704/12= $142). 1003 REO shows Taxes and Insurance totaling $262. 3.6.19 - Client responded. See attached snapshot of credit report & payment statement that validates T&I are included in the payment of the departure residence and printout of property tax statement for XXX 3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $300,477.70 in total assets documented.  Effective amount is $300,477.70, with liquid assets of $300,477.70.  Post close reserves are $111,322.47.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 7 years and 4 months with current employer.
0085342062 XXXXXX TX 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 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 CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $300,477.70 in total assets documented.  Effective amount is $300,477.70, with liquid assets of $300,477.70.  Post close reserves are $111,322.47.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 7 years and 4 months with current employer.
0085342062 XXXXXX TX 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 Service Providers list was not located in the file (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $300,477.70 in total assets documented.  Effective amount is $300,477.70, with liquid assets of $300,477.70.  Post close reserves are $111,322.47.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 7 years and 4 months with current employer.
0085342062 XXXXXX TX 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 1.The loan file is missing proof that the monthly mortgage payment contains escrows (properties taxes and homeowners insurance) for the departing residence with a monthly payment of $3125. 2.The loan file is missing proof of the property taxes for XXX. Only the hazard insurance is in file ($1704/12= $142). 1003 REO shows Taxes and Insurance totaling $262.XXX considers non-material based on compensating factors. 3.6.19 - Client responded. See attached snapshot of credit report & payment statement that validates T&I are included in the payment of the departure residence and printout of property tax statement for XXX 3.6.19 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $300,477.70 in total assets documented.  Effective amount is $300,477.70, with liquid assets of $300,477.70.  Post close reserves are $111,322.47.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time of 7 years and 4 months with current employer.
0514892805 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 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 $650 zero tolerance due to increase in appraisal fee on (CD XXX )without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. 4.2.19 - Client responded. Disagree.  Appraisal Fee increased from $650.00 on initial LE issued XX/XX/XXXX to $725.00 on consummation CD issued XXX without a valid change of circumstance for an over tolerance amount of $75.  Borrower was provided a refund in the amount of $75.00 to cure the zero percent over tolerance fee increase in Block J of consummation CD issued XXX. 4.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.08% DTI is below maximum allowed DTI of 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower  significant time in profession as XXX for the past 12.12 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past 4.75 years.
0327517900 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 5.2.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 5.2.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Credit report reflects at least 84 months of 0x30 mortgage payment history.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 qual score.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.61% DTI.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has at least 96 months of post closing PITI reserves.
0476255480 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D B 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 reserves.  Comp Factors:  Minimal use of revolving credit, strong residual income, additional income (bonus) not used to qualify,$64k recent updates to home.  Clayton considers non-material based on compensating factors (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.95% is below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 11 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34% DTI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 FICO
0476255480 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 3.8.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.95% is below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 11 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34% DTI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 FICO
0476255480 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D B A A 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.   3.19.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of XXXXXX. 3.19.19 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.95% is below guideline requirements.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 11 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34% DTI

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  792 FICO
0302489360 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 811 exceeds guidelines

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 18 months exceed guidelines requirement of 12 months.
0358434771 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:  801 representative credit score exceeds minimum guideline requirement.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  75% LTV is below guideline maximum.
0720865399 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 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. 4.12.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 24.36%, max per guidelines is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  806 qualifying score. Min required per guidelines is 720.
0649515337 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 Final LE XX/XX/XXXX Section Calculating Cash to Close/Total Closing Costs (J) amount is $12,252, however Final CD XXX Section Calculating Cash to Close/Total Closing Cost (J)-Loan Estimate amount is $9,301.00, these do not match. Provide post-consummation CD within 60 days of the consummation date. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.49/29.48%. Maximum DTI per guideline is 36/43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score is 776 . Minimum credit score per guidelines is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history on credit report reflects no delinquency over 99+ months. Guideline is 0 x 30 over 12 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in profession for 18 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: $322,270.14 in total assets documented. Effective amount is $ 322,270.14 liquid assets. Post close reserves are $ 205,456.33 or 54.07. Reserves required $ 3,800.15 x 12= $45,601.80.
0649515337 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 Final LE XX/XX/XXXX Section Calculating Cash to Close/Estimated Cash to Close amount is $125,152.00, however Final CD XXX Section Calculating Cash to Close/Cash to Close-Loan Estimate amount is $122,201.00, these do not match. Provide post-consummation CD within 60 days of the consummation date. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 23.49/29.48%. Maximum DTI per guideline is 36/43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's credit score is 776 . Minimum credit score per guidelines is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history on credit report reflects no delinquency over 99+ months. Guideline is 0 x 30 over 12 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is in profession for 18 years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets: $322,270.14 in total assets documented. Effective amount is $ 322,270.14 liquid assets. Post close reserves are $ 205,456.33 or 54.07. Reserves required $ 3,800.15 x 12= $45,601.80.
0018814869 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 CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX and Final CD XXX Other Costs Section F - HOI is missing number of months. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 exceeds guideline requirement of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 years
0018814869 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 $XXXXXX 4.12.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 746 exceeds guideline requirement of 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 7 years
0613486134 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 5 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 56.78%; guideline maximum is 80%.
0539679202 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 Final CD XXX Other Costs section, Field H: Borrower paid Home Warranty is missing optional designation (No Data) (No Data) Non-Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 24.50 below guidelines requirement.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.04 below guideline requirement.
0052982484 XXXXXX GA 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 for the past 24 months.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no derogatory items on credit report.
0328117311 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A A A D A C A D A A A D A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD issued to the borrower on XXX and was signed at closing on XXXLender must provide evidence that the borrower received a copy of the CD no less than 3 days prior to closing. 3.8.19 - Client responded. Agree. Requesting remediation from Correspondent Client- evidence of CD 3-day receipt.3.12.19 - Client responded. See attached evidence of CD 3 day receipt.    Prior response 3/08/19:  Agree. Requesting remediation from Correspondent Client- evidence of CD 3-day receipt. 3.8.19 - Exception remains. 3.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 10 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  781  exceeded the guideline requirement of  700  by  81 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0328117311 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A A A D A C A D A A A D A C A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value of $XXXXXX. 3.8.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.8.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked 10 years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  781  exceeded the guideline requirement of  700  by  81 points.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.
0495663237 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:  Mortgage payment history 0x30 29mos maximum required 12mos

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $84,800.01.  Reserves required $5190.55 x 12 = $62,286.60
0165663637 XXXXXX VA 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 receives bonus income that is not being used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid score of Primary ware earner is 794, exceeds guideline requirement.
0824518166 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Borrower's Interest Active B B B B CMPBI1616 MA Borrower Interest; Worksheet not properly dated No MA Borrower Interest; Worksheet not properly dated (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.58%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.89%. Max LTV for this program is 80.00%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Representative credit score 800. Minimum credit score for this program is 700.
0824518166 XXXXXX MA 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 CMPTRID3750 TRID - Error #10 discovered on Closing Disclosure No CD dated:XXX Loan Disclosures: Escrow Account: missing selection if escrow account was declined or lender does not offer one. 3.20.19 - Client responded. Agree:  Escrow account selection missing on page 4 of consummation CD.  PC CD and LOX required to remedy issue. Requestion Remediation.3.29.19 - Client responded. See attached PC CD and LOX.   3.20.19 - Exception remains. 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 32.58%. Max DTI for this program is 43.00%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 61.89%. Max LTV for this program is 80.00%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Representative credit score 800. Minimum credit score for this program is 700.
0931144118 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $794,454.90 or 135.09 months PITI.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job 18 years.
0737311241 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. 4.23.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.23.19 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co Borrower has been in profession for 9 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 797 exceeds guidelines
0355844290 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 809 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.07% below guideline requirement of 43%
0124813168 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 CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing evidence that HELOC with XXX has been closed to future draws. 3.29.19 - Client responded. See attached Title policy that shows no open HELOC  lien on title. This was paid off at closing 3.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for 36 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have been at current residence for 16 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 25.73% is 17.27% less than required 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 786 is 66 points higher than required 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's DTI of 58.82% is 11.18% less than maximum allowed of 70%.
0215749492 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 CD: XXX-1 Last CD, Section: Other Fees, Field: Optional Designation Required, however Home warranty does not state optional for borrowers fee (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $493,927.49.  Reserves required $3,256.36 x 18 = $58,614.48.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.22% is 23.78 points below guideline max of 45%.
0257130409 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 28%. Max DTI for this program is 43%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Documented bonus income not used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 40 months cash reserves.
0931037174 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 808 exceeds guidelines requirement of 720

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has no late payment on mortgage account opened XXX
0379842398 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 same profession for 22 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 74.74% is below guidelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 780 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of 30.48% is below guidelines.
0719026188 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. 3.11.19- A Desk Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 3.11.19 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 8.6 years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of 74.81% is 5.19% less than required 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of 804 , minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI is 28.77%, max required is 43%.
0868020883 XXXXXX NV QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 4.12.19 - A Desk review was received which however does not support the original appraised value. A new exception has been added for value not supported. 4.12.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 representative credit score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  18 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $251,780.38.PCL Subject = 78 months of PITIA.12 months reserves required ($3,219.12 X 12 = $38,629.44).PCL all 4 properties combined =  24 months of PITIA.
0868020883 XXXXXX NV QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Value Satisfied N/A A N/A B PRVAVALU153 Value Not Supported No 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.   4.22.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.22.19 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  67 months mortgage payments made as agreed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 representative credit score exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  18 years with the same employer.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post-Closing Reserves $251,780.38.PCL Subject = 78 months of PITIA.12 months reserves required ($3,219.12 X 12 = $38,629.44).PCL all 4 properties combined =  24 months of PITIA.
0727548490 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 Final CD XXX Other Costs Section E, Mortgage/Deed portion of recording fees are required to be itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO 784 exceeds minimum FICO of 700 by 84 points.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 6 years 9 months at current job
0845134314 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at 31.87%; max allowed DTI per guidelines is 43%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers have a 0x30; 29 month mortgage history review.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 796; minimum required credit score per guidelines is 720.
0613966358 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.06% DTI below max 43% allowed.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for 17 years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  57.119% LTV below max 80% allowed.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  785 representative FICO exceeds minimum 700 required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified reserves in the amount of $499,056 @55.35 months.
0302487941 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:  768 Credit Score, minimum required score is 720.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has commission income documented in file not needed or being used to qualify.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Closing Reserves $273,730.41 = 65.15 months of PITIA.
0139052380 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 58.12%. Max LTV for this program is 80.00%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for 16 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 29%. Max DTI for this program is 43%.
0535791392 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 A Desk review was received with a reported value of $XXXXXX which is a variance of -XXXX% less than the original appraised value of $XXXXX. A field review has been ordered. 4.15.19- A Field Review was received with a reported value of $XXXXXX which supports the original appraised value of $XXXXXX. 4.15.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  804 Credit Score.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  8 Years and 9 mohths with the same employer.
0645744018 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 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:  Credit score of 743 exceeds guideline of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 18 years stable employment history
0645744018 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 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 Refers to CD dated XXX No evidence in file borrower gave prior consent to receive disclosures electronically. 3.25.19 - Client responded. Remediation requested from Correspondent Client - eConsent for LE and CD4.29.19 - Client responded. E-consent dated XX/XX/XXXX provided. 3.25.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 exceeds guideline of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 18 years stable employment history
0645744018 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 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 Refers to all LE's in file - No evidence in file borrower gave prior consent to receive disclosures electronically. 3.25.19 - Client responded. Remediation requested from Correspondent Client - eConsent for LE and CDXXX- Client responded. E-consent dated XX/XX/XXXX provided. 3.25.19 - Exception remains. 4.29.19 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 exceeds guideline of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 18 years stable employment history
0645744018 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 CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing pages 9-11 from XXX #XXX asset statement, dated XX/XX/XXXX - XX/XX/XXXX. Compensating factors include:  743 FICO,  Job stability (18 yrs at same employer), 33.26 months reserves.  Clayton considers as non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 743 exceeds guideline of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for 18 years stable employment history
0428961824 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B A B B B B A A B A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID5087 TRID: CD - A Principal Reduction is disclosed but at least one element required by the Regulation is not present No A principal reduction of $70.73 on CD XXX does not detail the Payor, or reason for the reduction. LOX and PCCD. 5.8.19 - Client responded. Agree.  PR is missing Payer and Reason.  PC CD required to remedy and LOX from Correspondent Seller.  Email NLR for follow with Correspondent Seller. See attached PC CD and LOX.5.8.19 - Clayton has reviewed and PCCD dated XXX provided to correct error and LOX to borrower. 5.8.19 - Exception satisfied. Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 779; minimum required credit score per guidelines is 700.

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 39.98%; max allowed DTI per guidelines is 43%.
0428961824 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B A B B B B A A B A Credit Assets Active B B B B CRDAST206 Asset Amounts Are Unsupported by Documentation in File No Approved Lender Exception For: Guidelines require proof of liquidation of stocks, bonds, mutual funds, government securities. Exception approval was provided to waive proof of liquidation.   Compensating factors include:  Strong reserves and excellent long term credit ratings.  Clayton considers non-material based upon compensating factors. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score is 779; minimum required credit score per guidelines is 700.

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 39.98%; max allowed DTI per guidelines is 43%.

 

 

 

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Conditions Report 2.0
   
Loans in Report: 793
Loans with Conditions: 482

 

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
0708188207 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0738784441 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0235973377 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0232029963 Yes XXXXXX XXXXXX C C A A C C A A C C A A C C A A
0552502162 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0271795796 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0180567777 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0229712972 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0389010011 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0745889173 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0330157710 Yes XXXXXX XXXXXX D B A A D A C B D B A A D A C B
0594164725 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0586525853 Yes XXXXXX XXXXXX D B B B D A C A D B B B D A C A
0619588126 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0861686630 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0573652782 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0950521682 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A
0946655399 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0065389023 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0907185537 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0852634269 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0689720096 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B
0406023367 Yes XXXXXX XXXXXX B B B B A A B B B B B B A A B B
0134921739 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0444220300 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0224799541 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0840634307 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0375693211 Yes XXXXXX XXXXXX D A D A C A A A D B D A C B A A
0044990745 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0870346468 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0787218183 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0582352557 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A
0361443612 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0164699545 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0640994163 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0230319358 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A
0464824834 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0610946019 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0899832955 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0291742452 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0519069116 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A
0363939962 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0171626946 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0046907885 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0599822663 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0606796781 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0798682061 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A
0846651805 Yes XXXXXX XXXXXX B A B A A A A A B A B A A A A A
0076406386 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0775783532 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0421141860 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B
0146178623 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0971600955 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0331054097 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0644571768 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0606229791 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0168013447 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0751886612 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0777991374 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0261815906 Yes XXXXXX XXXXXX C B B B A A C A C B B B A A C A
0595102221 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0239540361 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0390458143 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0447579230 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0437467285 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0478239584 Yes XXXXXX XXXXXX D B B A A A D B D B B A A A D B
0919801031 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0232086073 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0334451439 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0741584816 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0005850806 Yes XXXXXX XXXXXX D B B A A A D B D B B A A A D B
0194947190 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A
0355338901 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0597103737 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0894831028 Yes XXXXXX XXXXXX C B C B A A C B C B C B A A C B
0106586806 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0244266484 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0813549726 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0103376199 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0187585454 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0318019788 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0230475205 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0944927983 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0679234559 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0660578274 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0324689931 Yes XXXXXX XXXXXX D B B A A A D B D B B A A A D B
0819039502 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0641985272 Yes XXXXXX XXXXXX D B C B D A A A D B C B D A A A
0912592325 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0736929840 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0769639202 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A
0791201262 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A
0860172277 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0197319943 Yes XXXXXX XXXXXX D A D A C A A A D B D A C B A A
0800500919 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0069534804 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0082874424 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A
0769959760 Yes XXXXXX XXXXXX C B B B A A C B C B B B A A C B
0198586830 Yes XXXXXX XXXXXX D A B A D A D A D A B A D A D A
0029195744 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0104071172 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0771827525 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0856521418 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0697624312 Yes XXXXXX XXXXXX D B B B D A B B D B B B D A B B
0409265771 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0380589001 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0080798826 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0443812837 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0338774292 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0088048598 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0700393663 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0867868569 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0050666584 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0749155980 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0932091997 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B
0051020979 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0631174749 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0536548176 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A
0636090091 Yes XXXXXX XXXXXX C B A A C A B B C B A A C B B B
0651593161 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A
0220837542 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0171656436 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A
0286343613 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0906205446 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0359666760 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0721432570 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0959857837 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0367441908 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0229049826 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0217796035 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0400513762 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0675784632 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0695756240 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0552271591 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0841538924 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0009866917 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0098175651 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0842943920 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0845350432 Yes XXXXXX XXXXXX C B B B A A C B C B B B A A C B
0645842944 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0060663276 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0218852011 Yes XXXXXX XXXXXX D B D B A A D B D B D B A A D B
0682905211 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0480291837 Yes XXXXXX XXXXXX D B A A A A D B D B A A A A D B
0506366892 Yes XXXXXX XXXXXX C A A A C A A A C A A A C A A A
0918646149 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0203292141 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0439060239 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0757778698 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0946404504 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0439410794 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A
0060890093 Yes XXXXXX XXXXXX C B C B A A B B C B C B A A B B
0794486022 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0565256089 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0854712003 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0393640754 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0429966453 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B
0237576015 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0891926995 Yes XXXXXX XXXXXX D B B B D A C B D B B B D A C B
0798243774 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0191598563 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0509746224 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0230628449 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0139729047 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0751033574 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0659338740 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0411967934 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0807169244 Yes XXXXXX XXXXXX D B B A A A D B D B B A A A D B
0581995025 Yes XXXXXX XXXXXX C B C A A A C B C B C A A A C B
0414172382 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0835359896 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0051024548 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0144347950 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0121847085 Yes XXXXXX XXXXXX D B B B A A D A D B B B A A D A
0905149206 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0651310767 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0133218215 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0762256831 Yes XXXXXX XXXXXX C B C A A A B B C B C A A A B B
0307742274 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0442821961 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0400585291 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0622069618 Yes XXXXXX XXXXXX D B D B A A D A D B D B A A D A
0698552292 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A
0047967891 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0216727493 Yes XXXXXX XXXXXX B B B B A A B B B B B B A A B B
0286566787 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0746346989 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0686694920 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A
0858414917 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0295179091 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0890009231 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0363589419 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0027491626 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B
0179973642 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A
0179910228 Yes XXXXXX XXXXXX B B B B A A B B B B B B A A B B
0600307976 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0457358139 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0777565154 Yes XXXXXX XXXXXX D B B A D A D B D B B A D A D B
0359898002 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0982623560 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0645889588 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0762464740 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A
0332094035 Yes XXXXXX XXXXXX D A B A D A D A D A B A D A D A
0048800331 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0943026219 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0896275740 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0300470155 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0030296012 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0937113360 Yes XXXXXX XXXXXX D B D A D A B B D B D A D A B B
0120474982 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0619473237 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0793171952 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0493064221 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0583540148 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0051386168 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0506754001 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0810985775 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0066132760 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0865508308 Yes XXXXXX XXXXXX D A C A A A D A D A C A A A D A
0996175619 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0718930477 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A
0574390359 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0524232059 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0732213005 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0756516396 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0272737688 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0343702864 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0064362794 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0127206157 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0094838353 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0232242358 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0008552927 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0555628745 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0777778629 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0701375974 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0227711949 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0092169616 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0642655706 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0101851230 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
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0222425484 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0363030056 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B
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0659738794 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0239271485 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0752405921 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0255900171 Yes XXXXXX XXXXXX C A A A C A A A C A A A C A A A
0405818343 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0351171283 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0309119962 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0307020092 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0405025690 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0706630257 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0659934251 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0633465963 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0691583796 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0671385199 Yes XXXXXX XXXXXX D B A A A A D B D B A A A A D B
0784126012 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0716690644 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0253339904 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0429686224 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
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0556111403 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0399517656 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0307858471 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0122113827 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0138811213 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0242160173 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0285662546 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0293185506 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0345251531 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0417369358 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0956910708 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0412066877 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0607622361 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0771987602 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0087797404 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0383630142 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0204508169 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A
0056227833 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0720421524 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0266039303 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
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0487700390 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0226437085 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0247265470 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0219682507 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0388849062 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0884691590 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0298464240 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0220217143 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0404944312 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0296904285 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0065859787 Yes XXXXXX XXXXXX B B B B A A A A B B B B A A A A
0028567347 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
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0380914510 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0984799893 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0757176873 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0815066401 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0310156681 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0287382337 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
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0624124780 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0224569297 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0822911511 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0538753840 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0345077275 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0067934167 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0678493117 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0630116407 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0126641421 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
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0272432800 Yes XXXXXX XXXXXX C B B B A A C A C B B B A A C A
0142951750 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0605264663 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0156597749 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0309431254 Yes XXXXXX XXXXXX D A B A A A D A D A B A A A D A
0115705178 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A
0049832484 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0119645426 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0262458635 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
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0387497837 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A
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0061875382 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0074521310 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0084498802 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B
0802248573 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0048791332 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0083770913 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0677241802 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
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0209629009 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B
0558769881 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0101400304 Yes XXXXXX XXXXXX D B A A D A C B D B A A D A C B
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0955864978 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0812984689 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0187549336 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A
0443953130 Yes XXXXXX XXXXXX D A A A D A D A D A A A D A D A
0846626155 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0159957556 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0041217930 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0059240622 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0824360308 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0597293278 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0035632231 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0604483770 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0904018293 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0520082748 Yes XXXXXX XXXXXX D B B B D A A A D B B B D A A A
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0607965823 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0133040394 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0365045071 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B
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0440611264 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0051061731 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0609126596 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0124567122 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0603177742 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0808463880 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0081424120 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0938138860 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0499587787 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0683858793 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0163751250 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0832236421 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B
0216369245 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
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0085342062 Yes XXXXXX XXXXXX D B B A A A D B D B B A A A D B
0514892805 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0327517900 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0476255480 Yes XXXXXX XXXXXX D B B B D A A A D B B B D B A A
0302489360 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0358434771 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0720865399 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A
0649515337 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0018814869 Yes XXXXXX XXXXXX D B A A D A B B D B A A D A B B
0613486134 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0539679202 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0052982484 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0328117311 Yes XXXXXX XXXXXX D A A A D A C A D A A A D A C A
0495663237 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0165663637 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0824518166 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B
0931144118 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0737311241 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0355844290 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0124813168 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A
0215749492 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0257130409 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0931037174 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0379842398 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0719026188 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A
0868020883 Yes XXXXXX XXXXXX D A A A D A A A D B A A D B A A
0727548490 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B
0845134314 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0613966358 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0302487941 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0139052380 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A
0535791392 Yes XXXXXX XXXXXX C A A A C A A A C B A A C B A A
0645744018 Yes XXXXXX XXXXXX D B B B A A D B D B B B A A D B
0428961824 Yes XXXXXX XXXXXX B B B B A A B A B B B B A A B A

 

 

 EX-99.6 7 tv525075_ex99-6.htm EXHIBIT 99.6

 

Exhibit 99.6

 

Client Name: Wells Fargo Home Mortgage, Inc.
Client Project Name: WFMBS 2019-3
Start - End Dates: 8/2018 TO 5/2019
Deal Loan Count: 793
   
Waived Conditions Summary

 

©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.

 

 

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