EX-99.5 6 tv509072_ex99-5.htm CLAYTON CONDITIONS REPORT

 

Exhibit 99.5

 

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

 

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

 

©2018 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

 

 

 

 

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

 

Loan Number Original Principal Balance State Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Compensating Factors
0000539464 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX, CD XXX and Last CD XXX: Loan Costs Section, (B) Tax Service Fee is missing the payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines of 680. Borrower 2 score XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.   Borrower has XXX months of reserves
0000539464 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No XXX documentation not in file to determine source of $XXX funds at closing and the letter from the Attorney's does not state terms of withdrawal from XXX 8.23.18 - Client responded. "Per Underwriter notes from XXX, this information was requested, however was determined that: """"XXX drive the allowable requirement on XXX assets and will accept a XXX letter only. Therefore waiving the XXX asset conditions which were placed."""" Per the Underwriter, Management was involved in the decision to allow. Seller Guide is silent so we can defer to XXX guidelines, which state: 9. Funds from a XXX The Borrower must be the beneficiary and have access to the funds as of the date of the loan closing. The Borrower’s portion of undistributed XXX funds may be used as reserves only.Provide a copy of the XXX agreement or a signed statement from the XXX manager that documents the following information: ¦ Identifies the Borrower as the beneficiary ¦ Confirms that the Borrower has access to all or a certain specific
amount of the funds ¦ Confirms that the XXX has sufficient assets to disburse funds needed by the Borrower. When XXX funds are needed for closing, evidence of receipt of the disbursed funds from the XXX is required."
8.23.18 - Clayton has reviewed the clients response, reviewed the underwriter comments in the file and reviewed the XXX guidelines and has determined this is satisfactory. 		8.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines of 680. Borrower 2 score XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.   Borrower has XXX months of reserves
0002116486 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing XXX K1’s for XXX. 8.14.18 - Client responded. XXX K-1s and XXX 1040s attached to document borrower had no XXX in those XXX.
8.14.18 - Clayton has reviewed clients response and documents provided prove borrower had not XXX in the XXX Companies. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $74,463.84. Post close reserves $XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX months same line of work.
0002116486 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Missing xxx K1’s for XXX. 8.14.18 - Client responded. XXX K-1s and XXX 1040s attached to document borrower had no XXX in those XXX XXX in XXX.
8.14.18 - Clayton has reviewed clients response and documents provided prove borrower had not XXX in the XXX Companies. 		8.4.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $74,463.84. Post close reserves $XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX months same line of work.
0002150880 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $177,376.88 which is 49.56 of PITI. Only requires XXX months [$XXX].

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX; requires XXX.
0002286736 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Repayment Ability Active B B B B CMPSTRA119 OH CSPA - No lender analysis of repayment ability in file No Missing  lender analysis of repayment ability from loan file.
 		 (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $99,790.35 for reserves, borrower only needs 12 mo piti or $44,433.84 in reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI allowed XXX%, current DTI is XXX%
0002286736 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Tangible Net Benefit worksheet not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $99,790.35 for reserves, borrower only needs 12 mo piti or $44,433.84 in reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI allowed XXX%, current DTI is XXX%
0004496873 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0004581873 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Evidence of borrowers hazard insurance expense is not reflected on hazard policy located in file. Provide evidence of annual hazard expense to support monthly premium of $XXX used to qualify. 8.6.18 - Client responded. See attached verbal verification by the underwriter of the Hazard yearly premium of $XXX which would be $XXX a month.
8.6.18 - Clayton has reviewed clients response and document provided reflects HOI premium. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0004689080 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $344,311.03 or 58.96 months PITIA, guidelines required 9 months PITIA.
0004970842 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX: Other Cost - Section E; XXX Hazard Fee of $XXX should be in section H. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $533,203.09 or 92.72 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guideline minimum of 740
0004970842 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Legal Documents Active B B B B CRDLGL4033 Missing Legal Document(s) No Lender Exception for Alternative Trust Vesting - Revocable Exception Trust. Trust Cert in loan file. Compensating factors include strong equity in departure residence giving them excellent reserves, Excellent mortgage history and low DTI of XXX with strong residual income. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $533,203.09 or 92.72 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guideline minimum of 740
0008041499 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit. No documentation was located in file to support earnest money cleared borrowers account prior to close. Earnest money was deducted from available reserves. Guidelines require reserves of $32,502.51. Post close reserves $32,348.56.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has XXX years same line of work.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.
0008152003 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0008195660 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Borrowers XXX have great scores over XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines and have a total of $451,822.09.
0009181738 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal verification of employment within 20 days of Note. Most recent Verbal verification of employment in file is dated XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XX years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Borrower has lived in prior residence for the past XXX years with no delinquencies.
0010986960 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.10.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.10.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked with current employer for XXX years and XXX months

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years in same profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, below max of XXX%.
0011261531 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median credit score XXX exceeds minimum XXX score requirement
0013122254 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $138,309.19 or 37.93 months PITIA, guidelines required 9 months PITIA.
0015099243 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage reviewed XXX month XXX late.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0016350976 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $303,629.15 or 77.57 months PITIA, guidelines required 9 months PITIA.
0016372090 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on job

CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit
0016719759 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $1,348,924.35, after closing reserves remaining are $1,038,246.95. [205.26 months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0019540524 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0020840721 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 126.83 month PITI cash reserves $393,793.22.  


CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0021056348 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has consumer credit reviewed for XXX months with XXX days.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX.
0024275800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $81,402.61 which is 20.02 of PITI. Only requires 12 months [$4066.95 x 12= $48,803.40].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.
0025405304 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No UW decision summary form indicates a Lender exception was issued for XXX month XXXL reduction. Customer is only short $XXX of required XXX. Compensating Factors: customer has over strong profile which warrants tracking exception, ratio’s XX. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Back end ratio is XXX%.
0026885631 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been employed for XXX years, and borrower 2 has been employed XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower 1 score was XXX, and borrower 2 score was XXX, the minimum score required is XXX
0031030909 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 48865.62
or 13.04  months PITIA.
0033023613 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has 1 active trade line; guidelines require 3 (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid FICO is XXX

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower been with same company XXX years
0035239899 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No XXX tolerance fees total $XXX due to the increase in Appraisal fee from $XXX to $XXX on final LE dated XXX. No COC or Itemization of Fees found in file. Please provide valid change of circumstance, corrected post close CD, copy of refund check, LOX, and verification sent to the borrower. 8.23.18 - Client responded. Disagree. The Appraisal fee increased from $XXX to $XXX on the final LE issued XXX, with a valid Change Circumstance reason of “appraiser confirmed standard rate,” with a new invoice and new appraisal in file that meets timing. Copy of changed circumstance and invoice are attached.
8.23.18 - Clayton has reviewed the clients response and COC has been provided to support the increase in fee and disclosed to the borrower in a timely manner. 		8.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score is XXX
0038665471 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0039058195 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0041469318 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $XXX in post-closing reserves, which is $96,403.70 more than the guideline required amount of $46,423.48, or 36 months in reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline limit of 43.0%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for the past XXX years.
0042024485 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status due to missing evidence earnest money deposit cleared borrowers funds, unexpired credit report and evidence of liquidation of XXX assets to support required funds to close. 7.26.18 Client responded. "1- Lender guidelines allows discretion in determining whether or not the source of funds to cover the EMD should be verified. In this case, the borrower had $XXX verified liquid funds ($XXX in total eligible assets) and needed $XXX at closing excluding the EM. The $XXX EMD represented XXX% of the $XXX purchase price. The EMD doesn't appear excessive for the market or for the borrowers history of accumulated savings. 2- Per lender guidelines, up to a 10-day variance is allowed on credit documents > 120 days before the note date. 3- Documentation (evidence) to support the liquidation of XXX was not required. Per lending guidelines, the underwriter may use judgment in requiring proof of liquidation of publicly traded stocks, bonds and mutual funds. XXX with an asset value of $XXX was an individual brokerage account that consisted of publicly traded stocks and mutual funds.
7.26.18 - Clayton has reviewed clients response and a review of guidelines to confirm liquidation is not required and borrower had more than enough funds to support EMD. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.Guidelines require reserves of $45,946.98. Post close reserves $336,840.37.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX year same line of work.
0042024485 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Verification of liquidation of XXX Investment account to support required funds to close was not located in file. XXX Feedback Certificate requires evidence of the liquidation of $XXX. Additionally evidence the $XXX earnest money deposit reflected on Final CD cleared borrowers account prior to close was not located in file. Provide satisfactory documentation to support liquidation of XXX and verification earnest money deposit cleared borrowers account prior to close. 7.26.18 - Client responded. "1- Documentation (evidence) to support the liquidation of XXX was not required. Per lending guidelines, the underwriter may use judgment in requiring proof of liquidation of publicly traded stocks, bonds and mutual funds. XXX with an asset value of $XXX was an individual brokerage account that consisted of publicly traded stocks and mutual funds. 2- Lender guidelines allows discretion in determining whether or not the source of funds to cover the EMD should be verified. In this case, the borrower had $XXX verified liquid funds ($XXX in total eligible assets) and needed $XXX at closing excluding the EM. The $XXX EMD represented XXX% of the $XXX purchase price. The EMD doesn't appear excessive for the market or for the borrowers history of accumulated savings.
7.26.18 - Clayton has reviewed clients response and a review of guidelines to confirm liquidation is not required and borrower had more than enough funds to support EMD. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.Guidelines require reserves of $45,946.98. Post close reserves $336,840.37.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX year same line of work.
0042024485 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing desk review to support appraised value of $XXX. 7.17.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.Guidelines require reserves of $45,946.98. Post close reserves $336,840.37.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX year same line of work.
0043266166 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0044175307 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Per UW Decision Summary lender approved an exception to guidelines allowing XXX XXX home buyers to not escrow. With mid fico of XXX (min required XXX low ratios and reserves this is non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower gets XXX time we did not use to qualify for loan .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0044191174 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX
CD: XXX, Calculating Cash to Close, Clayton Review, Value: XXX
Lender included POC amount of $XXX in Closing Cost Financed.		 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for XXX years. XXX years in same field

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is below the guideline 70% is at 42.22%
0045116907 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in same XXX

CFCFS2860: Good credit history
- Clayton Comments:  All accounts are paid as agreed. 0 X30 days
0046737724 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Consumer debt history satisfactory with no derog's

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Previous mortgage and rent history provided show no derog's

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTIXXX%/XXX% max DTI XXX%
0047362954 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No UW Decision Summary indicates the lender approved exception for XXX Escrow Waiver based on B1 has rental repayment history and is only income being used on loan. B1 has insufficient credit, however has documented XXX months history and has XXX tradelines all paid as agreed. Combined with low ratios, high residual and high PCL offsets risk for waiving escrows. B1 is only XXX month short of credit depth. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $203,383.07 or 29.53 months PITIA, guidelines required 9 months PITIA.
0049400665 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0050969443 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score exceeds XXX score requirement

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below maximum 80% guideline
0051430948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0051467531 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $96,820.65 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.06%  DTI is below guideline requirement .
0052233364 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Max LTV XXX%, current LTV XXX%

CFCFS2860: Good credit history
- Clayton Comments:  Borrower's have satisfactory mortgage, rent and consumer debt history
0054058107 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $64,797.70 or 20.97 months PITIA, guidelines required 9 months PITIA.
0054477955 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.7.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.15.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.15.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $206,339.48 or 46.93 months PITIA, guidelines required 9 months PITIA.
0056433938 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0057270845 XXXXXX HI QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No XXX Full project review for XXX required due to high XXX concentration XXX%. Full project XXX review was not located in file. 8.14.18 - Client responded. There was no project approval in place for the XXX at that time. A Streamline project review was approved by XXX Underwriting for max LTV / CLTV / TLTV XXX% for secondary occupancy. XXX Cert (Questionnaire) attached to document the health and financial status of the XXX and determine the eligibility of the project. XXX concentration was less than XXX%.
8.14.18 - Clayton reviewed clients response and XXX  questionnaire provided to reflect XXX percentage less than XXX%. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $220,447.44. Post close reserves $1.875.057.63.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have XXX years XXX months at current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has XXX years same line of work. Borrower 2 has XXX years same line of work.
0057623316 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $29,719.80. Post close reserves $285,807.31.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has XXX years same line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX exceeds guideline requirement 680.
0057809819 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC806 Notary Status is missing No Notary Status is missing from Mortgage. 8.1.18 - Client responded. See attached Recorded mortgage
8.1.18 - Clayton has reviewed clients response and Notarized copy of Mortgage provided. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI XXX% is X.XX% less than required 38%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO score XXX is XXX points higher than required 730.
0057809819 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC869 Mortgage not signed No Mortgage not signed please provide fully executed mortgage 8.1.18 - Client responded. See attached Recorded mortgage
8.1.18 - Clayton has reviewed clients response and signed copy of mortgage provided. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI XXX% is X.XX% less than required 38%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower mid FICO score XXX is XXX points higher than required 730.
0058270026 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0062138525 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $XXX. Reserves required of $59,141.70(18 x $3,284.65). $339,939.69 remaining reserves after funds to close.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same XXX for XXX years.
0062804076 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $49,383.00 or 12.81 PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0064324623 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation closing costs XXX - POC XXX (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $0.  Reserves required of $62,519.40.
(12 x $5,209.05).  $82,765.35 remaining reserves after funds to close.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX% DTI, max per guidelines is 43%
0065613723 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below 80% maximum guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% guideline
0069845823 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $XXX which is 121.78 of PITI. Only requires XXX months [$XXX].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0070127001 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months. Borrower has XXX months

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements of 80%. Current loan XXX%
0070488533 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of XXX fee for XXX home XXX - non-subject PITI. 8.14.18 - Client responded. Verification of HOA fee ($XXX/month) for XXX home/condo (non-subject) documented with appraisal and current XXX for another property in same community / association (XXX).
8.14.18 - Clayton has reviewed clients response and proof of HOA fee provided. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $121,556.48 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0070488533 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of XXX fee for XXX home XXX - non-subject PITI. 8.14.18 - Client responded. Verification of HOA fee ($XXX/month) for XXX home/XXX (non-subject) documented with appraisal and current XXX for another property in same community / association (XXX).
8.14.18 - Clayton has reviewed clients response and proof of HOA fee provided. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $121,556.48 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0070488533 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No 5/22/18 Verbal verification of employment for B1 completed outside the stated 20 days requirement prior to XXX closing date. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $121,556.48 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0070504501 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $344,788.59 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0070927601 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $72,102.36 or 13.45 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0071228505 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD: XXX. Section: Other Disclosures. Exception is valid. No loan acceptance found on CD and no confirm receipt section present on CD. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX. Copy of earnest money check in file reflects it was written after asset statement end dates. Earnest money deposit was deducted for available reserves. Guidelines require no reserves. Post close reserves $65,407.37.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 2 has XXX years same line of work.
0071618558 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 7.25.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. (No Data) 7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $1,477,853.35 [441.15 months PITI]
0071826660 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0072919677 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Guidelines require Verbal Verification of Employment within 20 days of closing. Borrower and Co Borrower VVOE's dated XXX; Closing date is XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $624,962.18 or 204.51 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0073157852 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 110.29 month PITI in cash reserves $603,225.85


CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same XXX is for XXX yrs.
0074859117 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX + yrs.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in same residence for XXX yrs.
0075349705 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof of HOA fees for primary residence of $XXX a month per final 1003. 8.8.18 - Client responded. Proof of HOA fees ($XXX/month) for primary residence (XXX) were documented with a current XXX for a property in the same neighborhood / same street XXX) - XXX attached. The higher amount of $XXX/month per final 1003 was used in final underwriting.
8.8.18 - Clayton has reviewed clients response and documentation provided to confirm HOA fees for subject property. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Current primary residence mortgage with XXX has XXX mos rated with no late payments.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX has a XXX credit score.
0075349705 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing proof of HOA fees for primary residence of $XXX a month per final 1003. 8.8.18 - Client responded. Proof of HOA fees ($XXX/month) for primary residence (XXX) were documented with a current XXX for a property in the same neighborhood / same street (XXX) - XXX attached. The higher amount of $XXX/month per final 1003 was used in final underwriting.
8.8.18 - Clayton has reviewed clients response and documentation provided to confirm HOA fees for subject property. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Current primary residence mortgage with XXX has XXX mos rated with no late payments.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX has a XXX credit score.
0075360042 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $126,770.37 or 34.97 months PITIA, guidelines required 9 months PITIA.
0078146643 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds guidelines
0078207827 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0079032979 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX. Guidelines require reserves of $94,224.42($5234.69X18). Post close reserves $531,336.19.
0081175350 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX has stable employment.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have good ratios.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have no late payments reflected on credit report.
0081505543 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Credit report shows XXX open trade lines which does not meet guideline requirements of 3. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX in the past XXX years.
0082860889 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX median score for both borrowers

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on job
0083139506 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0083610438 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0084390630 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job- XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrowers have 32 months of reserves.
0086477773 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A B A A A A A B A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,207,484.21 or 195.47 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0088768631 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years job tenure.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mortgage history with XXX with XXX months reviewed.
0089216543 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX: Section- Calculating Cash to Close, Closing Cost financed value $XXX does not equate to the amount based on the Reg's formula $XXX. Closing Cost Financed is off by $XXX the amount of closing cost paid before closing (POC). (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0089216543 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B B B B B Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender Exception for short reserve requirements by XXX months. Compensating factors include excellent mortgage payment history, Long term employment, low LTV at XXX% and minimal use of revolving credit. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0089216543 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B B B B B Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal verification of employment with-in 20 days of Note. Most recent Verbal verification of employment in file is dated XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0089216543 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B B B B B Property Valuations Value Satisfied A A B B PRVAVALU153 Value Not Supported No 7.10.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0089278036 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment in current position of nearly XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is below requirements at XXX.
0090525176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 104.64 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower (XXX) has been with same employer for XXX yrs.
0090741819 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $XXX.  Reserves required of $79,787.04(12 x $6,648.92).  $826,549.00 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%
0090806215 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing balance sheet. 8.23.18 - Client responded. See attached balance sheet and CPA letters
8.23.18 - Clayton has reviewed the clients response and balance sheet along with CPA letter provided. 		8.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves of 17 months or $98,353.51; per guidelines 12 months reserves required

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same XXX for the past XXX years and XXX months.
0090806215 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Balance sheet not provided forXXX Borrower. 8.23.18 - Client responded. See attached balance sheet and CPA letters
8.23.18 - Clayton has reviewed the clients response and balance sheet along with CPA letter provided. 		8.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves of 17 months or $98,353.51; per guidelines 12 months reserves required

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same XXX for the past XXX years and XXX months.
0090964202 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No The initial CD XXX was not delivered 3 days before the final CD XXX. 8.8.18 - Client responded. Disagree. Consumers requested and were approved for a XXX Personal Financial Emergency Waiver of the Initial CD three business day waiting period. Copy of waiver request executed by consumers and e-mail approval from XXX Department are attached.
8.8.18 - Clayton has reviewed clients response and waiver provided as required. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current XXX for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $321,446.27 or 77.32 months which exceeds minimum required per guidelines of 6 months.
0091129079 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Federal Consumer Protection Active C B C B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The loan officer's name on the Note, Mortgage and the 1003 is XXX. The XXX database verified the loan officer's name as XXX. The XXX Website does not reflect any version of XXX. 7.30.18 - Client responded. XXXL will waive issues related to exact name matches on XXX.
7.30.18 - Upon further Clayton review this should be a non-material exception. 		7.30.18 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $217,426.14 or 73.77 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0091281745 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history of XXX months
0092502626 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has XXX years XXX months at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX.13 plus $XXX earnest money deposit. No documentation located in file to support earnest money deposit, funds were deducted from available reserves. Guidelines require reserves of $40,145.31. Post close reserves $246,492.81
0092577367 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX - Loan Costs section, Field C: Title endorsements, closing/escrow, closing protection letter, courier, Exam/anyls, lenders policy, recording service, and title search fee are missing actual payee name. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $391,842.38 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0093280417 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $143,525.01 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0093391416 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Low DTI of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX, exceeding guideline minimum of 680.
0093820582 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min required is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% current DTI Max is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Min reserves required = 12 mos. PITIA. Verified post close reserves of 48.66 mos.
0097773823 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same XXX for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 45.83 months PITI cash reserves $167,005.19.  
0100220843 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $173,278.97 or 35.48 months PITIA

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower XXX residence XXX years
0101678452 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0101939809 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception: Loan is short PCL to qualify. The XXX exchange funds exceed the amount to be used. The XXX Exchange funds are allowed towards funds to close but not for PCL. Comp Factors: Borrower is heavily vested in retirement with $XXX in additional retirement funds not used to qualify and could be used if needed or they had a life event. Good residual income. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has XXX mortgage payment history at primary residence for the XXX years.
0102344638 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Credit report shows only XXX open tradeline which is below the required minimum of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in prior residence for the past XXX years with a good payment history.
0103495284 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max XXX%

CFCFS2860: Good credit history
- Clayton Comments:  All accounts are paid as agreed. XXX
0103502554 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $93,361.43 or 25.23 months which exceeds guideline of 6 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below guideline of 43%.
0107878708 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $123,717.79 or 26.16 months PITIA, guidelines required 9 months PITIA.
0108909842 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A D B D B B B D A D B Compliance Documentation Satisfied D A D A CMPDOC806 Notary Status is missing No Notary Status missing from Loan Security Agreement. 8.30.18 - Client responded. See attached documents, 'Assignment Of Proprietary Lease' & 'Stock Power' which are a part of the Loan Security Agreement. Attached documents has the Notary status instead of the actual Loan Security Agreement. Loan is a Cooperative property, thus the difference.
8.30.18 - XXX has reviewed clients response and documents provided cure issue. 		8.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have low DTI ratios below requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have stable employment in their industries.
0108909842 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A D B D B B B D A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD's issued XXX and XXX, Section; Other Costs, (E) Taxes and Other Government Fees, line 01, Recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have low DTI ratios below requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have stable employment in their industries.
0108909842 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A D B D B B B D A D B Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No The primary borrower has XXX open accounts, less then the required XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have low DTI ratios below requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have stable employment in their industries.
0108909842 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A D B D B B B D A D B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.30.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have low DTI ratios below requirement.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have stable employment in their industries.
0109144764 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4801 TRID - LE:  In 5 Years:  Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No Total P&I has been calculated manually and the condition remains. However, the TOP is within tolerance. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job last XXX years with same employer ,

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0110833760 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX Closing Costs Financed (Paid from your loan amount) value of -$XXX does not match review's calculation of $XXX; a difference of $XXX of closing coasts paid before closing.
Requires corrected PCCD, LOX and verification of shipping. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $XXX[XXX months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.
0110833760 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE XXX & Cd XXX Closing Costs Financed (Paid from your loan amount) value is disclosed as a negative number. Mandate requires it to be disclosed as a positive value.
Requires corrected PCCD, LOX and verification of shipping. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $XXX[XXX months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.
0110833760 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 7.24.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $XXX, after closing reserves remaining are $XXX[XXX months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.
0111556138 XXXXXX NE QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) reflects $XXX but should be minus the POC's of $XXX for $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years XXX mos. current job time

CFCFS2860: Good credit history
- Clayton Comments:  all accts. are paid as agreed. No derogatory items

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post close reserves 56.27 mos. Min required is 12 mos. PITIA
0111556138 XXXXXX NE QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support appraised value of $XXX 7.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years XXX mos. current job time

CFCFS2860: Good credit history
- Clayton Comments:  all accts. are paid as agreed. No derogatory items

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post close reserves 56.27 mos. Min required is 12 mos. PITIA
0111957265 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Final CD dated XXX closing date XXX with disbursement date of XXX. CD signed on XXX - XXX reflects provided XXX and XXX as date allowed to cancel thru not meeting full XXX day requirement. 8.20.18 - Client responded. Disagree. XXX is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD with cover letter is attached.
8.20.18 - XXX has reviewed clients response and corrected CD provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI.


CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX
0111957265 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD dated XXX closing date XXX with disbursement date of XXX. CD signed on XXX - XXX reflects provided XXX and XXX as date allowed to cancel thru not meeting full XXX day requirement. 8.20.18 - Client responded. Disagree. XXX is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD with cover letter is attached.
8.20.18 - XXX has reviewed clients response and corrected CD provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI.


CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX
0111957265 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, Value of XXX does not match Clayton Calculation, Value of XXX. The Difference of XXX POC's. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI.


CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX
0111957265 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender Exception: Allowable cash out dollar amount.
Comp Factors: LTV is XXX. DTI XXX. Good reserves and residual income of XXX. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $$503,987.46, or 105 months PITI.


CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Representative score is XXX, which is well above guideline requirement of XXX
0111964884 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0112554815 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $207,428.87 or 35.00 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0113567085 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0114684850 XXXXXX IA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $131320.27.  Reserves required of $42,201.72(12 x $3,516.81).  $209,898.62 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0116986907 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD's XXX & XXX Other Costs section, Field H: Borrower paid Home Warranty is missing optional designation (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $96,763.64 in post-closing reserves, which is $44,681.60 more than the guideline required amount of $52,082.04, or 22 months in reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%
0118728065 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $146,723.52 or 25.00 months PITIA, guidelines required 9 months PITIA.
0120722895 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; maximum LTV is XXX%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $59,216.39, after closing cost assets are $58,889.94 [18.96 months PITI].
0120900958 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD dated XXX & XXX Other Costs Section E reflects $XXX seller paid fee for Natural Hazard Disclosure report. This is not a recording fee and should be reflected in Section XXX. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $154,624.29 or 42.46 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%
0120900958 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No CD: XXX percent tolerance fee increased at or prior to closing without a valid reason in Section E in the amount of XXX. 7.30.18 - Client responded. "Disagree. Ten percent baseline on initial LE issued XXX included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on initial CD issued XXX. It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. XXX percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section XXX of Final CD issued XXX to cure variance in XXX% tolerance category. This is not a testing defect so no corrective action is required.
7.30.18 - XXX has reviewed clients response and fee is reflected on Master Settlement Statement as stated and not a XXX% tolerance fee. Correction has been made. 		7.30.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $154,624.29 or 42.46 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%
0121431033 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 203.70 months reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0122429948 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $215,310.61 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0123414667 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $80,059.56 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0123912332 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $XXX; XXX Calculation, Value: $XXX (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $375,641.46 or 110.14 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0123912332 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No CD: XXX Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value$: XXX (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $375,641.46 or 110.14 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0123912332 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Is $ XXX (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $375,641.46 or 110.14 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0124292839 XXXXXX PA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD:XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is $XXX and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Values does not match. Includes the Second Loan of XXX. Second loan Section XXX line XXX should have been input line XXX under Other Credits. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $XXX in post-closing reserves, or 74.19 months in reserves of subject PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0126320343 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0127313297 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0128008292 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $162,620.93 verified cash reserves exceed guidelines.
0128858382 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0129588875 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Approved at XXX% LTV

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX median score
0132343938 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median credit score XXX exceeds minimum XXX score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum XXX% guideline
0136090100 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $103,610.95 or 18.25 months PITIA
0139027317 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $60,361.07, which is 17.53 PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%. Actual DTI is XXX%.
0140249386 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of receipt of CD dated XXX XXX days prior to consummation. Only CD in file and issued XXX and signed at closing XXX. Certificate of Document Status in file does not reflect a CD sent XXX. 8.17.18 - Client responded. Disagree. Closing date is XXX. Initial CD with issue date of XXX and e-signed by both borrowers XXX meeting XXX business day timing found in file. No file evidence of a CD issued XXX referenced in the issue. Copy of initial CD and e-delivery consent forms are attached.
8.17.18 - XXX has reviewed clients response and missing Initial CD dated XXX has been provided and entered. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  both borrowers have XXXl credit history and a great payment record no lates in last XXX years
0141101584 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. mtg. history reviewed on credit report. XXX X XXX days.
0141520251 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0142891226 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds minimum requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $747,096.42, or 108 months PITI reserves.
0143361937 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B C A C A B B C B C A C B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No Last LE Issued XXX. Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX. Exception Satisfied (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.
0143361937 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B C A C A B B C B C A C B B B Credit Assets Satisfied C A C A CRDAST206 Asset Amounts Are Unsupported by Documentation in File No Missing documentation to validate Stock with XXX in the amount of $XXX, Retirement account in the amount of $XXX and Retirement with XXX in the amount of $XXX used in DU in asset calculation. 8.24.18 - Client responded. File was approved by underwriter not using any funds from XXX, or any XXX assets from XXX. UW did use XXX XXX XXX account with $XXX balance as of XXX. Attached is copy of XXX statement.
8.24.18 - XXX has reviewed clients response and although these accounts were included on the DU they were not all needed to qualify borrower. Documentation has been provided for the XXX account used for reserves. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.
0143361937 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B C A C A B B C B C A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.14.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.
0144285526 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender Exception for borrower short X.XX months reserves. Compensating factors include low DTI, LTV and residual income of XXX per month therefore non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% max is XXX%

CFCFS2860: Good credit history
- Clayton Comments:  All accounts are paid as agreed. XXX X XXX days
0144647005 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Assets Satisfied C A C A CRDAST3036 Assets reflect unsourced deposits No Missing documentation to source $XXX large deposit made into XXX #XXX dated XXX 7.15.18 - Client responded. $XXX XXX deposit XXX was an employee bonus the borrower received as consideration for maintaining the secrecy of the acquisition between XXX and XXX that was announced XXX. Supporting document(s) attached; Confidentiality and Bonus Agreement (see page 2), XXX XXX, XXX Statement.
7.15.18 - XXX has reviewed and supporting documents for large deposit provided and meets guideline requirements. 		7.15.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with same employer XXX years XXX months.
0146322185 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $896,431.78, after closing reserves remaining are $618,779.82. [75.52 months of PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0147808644 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0148735314 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0148928706 XXXXXX GA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active C B C B CRDTER3262 Property issues indicated No Lender Exception: UW Decision Summary indicates the lender approved exception to allow purchase of subject Condo over XXX% commercial use of project with actual XXX% commercial use.
Comp Factors: Low DTI XXX%/XXX%; post close reserves of XXX months (XXX months required) good residual income.		 8.17.18 - Client responded. LVAM approved exception - Condo Commercial Use Requirement. Exception approved under the PCO delegated authority.
8.17.18 - XXX has reviewed clients response and based on lender exception approval and compensating factors this is non-material. 		8.17.18 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $390,540.53 or 88.78 months PITIA, guidelines required 9 months PITIA.
0149256384 XXXXXX NC QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Loan is not reflected on Disclosure Data Master sheet to verify received date of initial CD. 7.23.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached.
7.23.18 - XXX has reviewed clients response and although the Disclosure Data Master sheet does not reflect the subject loan the documentation has been provided to reflect borrower opened email for receipt of CD dated XXX on the same day. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified cash reserves of $280,911.95 or 89.75 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX below guideline requirement XXX% by XXX%
0149515558 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $3,607,691.00, after closing reserves remaining are $3,436,691.86. [693.82 months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0150494453 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XX/XX/XXXX-1 [Last CD], Section: Summaries of Transactions, XXX Line XXX the dates are not listed for the HO Credit on Account. Please provide the dates or move this fee between Lines XXX. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 32.20 months reserves. 12 months reserves required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score 791. Minimum credit score for this program is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI X.XX%. Max DTI for this program is 38.00%
0151690530 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation to validate $XXX in T&I for XXX XXX XXX XXX property used in DTI calculations. 8.24.18 - Client responded. Copy of XXX XXX tax statement showing annual taxes of $XXX. Statement Attached. Copy of XXX XXX XXX attached, $XXX annual premium. Monthly $XXX.
8.24.18 - XXX has reviewed clients response and documentation to support non subject PITI provided as required. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX XXX with XXX, XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of XXX/XXX for the past XXX years.
0151690530 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX Summaries of Transactions, Section XXX - County taxes missing the to and from dates. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX XXX with XXX, XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of XXX/XXX for the past XXX years.
0151690530 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing documentation to validate $XXX in T&I for XXX XXX XXX XXX property used in DTI calculations. 8.24.18 - Client responded. Copy of XXX XXX tax statement showing annual taxes of $XXX. Statement Attached. Copy of XXX attached, $XXX annual premium. Monthly $XXX.
8.24.18 - XXX has reviewed clients response and documentation to support non subject PITI provided as required. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX XXX with XXX, XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession of XXX/XXX for the past XXX years.
0153297521 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is ($XXX) and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Values does not match. Lender including Section XXX line XXX and should not be. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years current job

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  excellent pay history
0154581283 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $405,722.87.  Final CD reflects required funds to close, $148,826.49. Evidence earnest money deposit of $7,000.00 reflected on Final CD was not located in file. Total required funds to close $155,826.49. Guidelines require reserves of $32,615.37.  Post close reserves $217,281.01.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years XXX months in same line of work.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.
0155021176 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender Exception Request: Short X.XX months cash reserves. Based on compensating factors of low DTI and exceptional credit history exception is considered non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $427,712.04 or 84.52 months which exceeds minimum guideline of 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been XXX XXX in current business for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX is below guideline requirement of XXX%.
0155021176 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Insurance policy in file reflects dwelling coverage in the amount of $XXX which is less than $XXX loan amount. Insurance company not on HOI matrix, policy does not reference XXX and coverage is less than cost new per appraisal. 7.20.18 - Client responded. Insurance coverage is sufficient (Product HO-3). XXX XXX XXX XXX (XXX XXX XXX) provides adequate coverage, see forms and endorsements applicable to this policy to include Homeowners 3 - Special Form. Losses to the dwelling will be paid on a replacement cost basis. Policy attached
7.20.18 - XXX has reviewed clients response and correct endorsement has been provided to reflects sufficient coverage. 		7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $427,712.04 or 84.52 months which exceeds minimum guideline of 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been XXX XXX in current business for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX is below guideline requirement of XXX%.
0158011616 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0158089928 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower only has XXX open trade lines, minimum required is XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 76.87 months in reserves.
0159652676 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0160034481 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No XXX Counseling Notice not in file (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has no late payments  on their credit report in the last 36 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of  752  exceeded the guideline requirement of 720 by 32  points.
0160254982 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4253 TRID - CD: The Deposit value in the  LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number No Last LE dated XXX reflects Calculating Cash to Close Table - Deposit from Borrower as $XXX. Final CD dated XXX - Calculating Cash to Close Table LE column reflects Deposit as $XXX as the number was moved to Deposit line.
XXX dated XXX corrects error. 		(No Data) Exception satisfied. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0160254982 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4282 TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Last LE dated XXX reflects Calculating Cash to Close Table - Down Payment/Funds from Borrower as $XXX. Final CD dated XXX - Calculating Cash to Close Table LE column reflects $XXX as the number was moved to Deposit line.
XXX dated XXX corrects error. 		(No Data) Exception satisfied. Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0160254982 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4283 TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Last LE dated XXX reflects Calculating Cash to Close Table - Deposit as %XXX. Final CD dated XXX - Calculating Cash to Close Table LE column reflects Deposit as $XXX.
PCCD dated XXX corrects error. 		(No Data) Exception satisfied. Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0160927868 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has bonus income on paystub

CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit history both borrowers
0161861212 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No LE XXX not on Disclosure Data Master sheet and not signed. Delivery date defaults to XXX days or XXX which is only XXX days prior to XXX closing date and not XXX as required. 7.30.18 - Client responded. Disagree. Latest Loan Estimate was eDisclosed XXX and consented by the consumer XXX. Per XXX, this is the same as an “in hand” delivery. Copies of the audit trail screen shot detailing consumer consented to e-delivery XXX and consented to e-delivery of the Latest Loan Estimate XXX and eDisclosure Agreement accepted by the borrower XXX are attached.
7.30.18 - XXX has reviewed clients response and e-consent and internal tracking has been provided to reflect e-consent received and LE received via email on XXX. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for XX years

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history no late payments
0163954213 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $87,987.61 verified cash reserves exceed guidelines.
0164030071 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No B1-Missing copy of XXX 7.23.18 - Client responded. XXX B1 attached.
7.23.18 - XXX has reviewed clients response and Permanent resident alien card provided as required. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  All accts paid as agreed. XXX X XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max is XXX%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX months. mortgage history reflected on credit XXX days
0164030071 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Limit of Liability is $XXX with replacement cost of XXX% at $XXX. Loan amount of $XXX with estimate of cost of rebuild of $XXX. XXX is not on matrix. 7.23.18 - Client responded. Insurance coverage is sufficient. XXX (subsidiary of XXX) provides adequate coverage, Special (HO3). Losses to the dwelling will be paid on a replacement cost basis. Policy attached
7.23.18 - XXX has reviewed clients response. HOI declaration reflects HO3 endorsement and meets requirement. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  All accts paid as agreed. XXX X XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max is XXX%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX months. mortgage history reflected on credit XXX days
0164653991 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 98.74 month PITI cash reserves $325,903.44
0164791162 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX; Credit score exceeds guidelines of XXX.
0165629269 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No There are only XXX active accounts under primary borrower. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with XXX years with company.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is  good below requirement.
0166545321 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $151,368.17.  Reserves required of $37,387.08 (12 x $3,115.59).  $97,356.99 remaining reserves after funds to close.
0166666769 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0166846040 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max is XXX%

CFCFS2860: Good credit history
- Clayton Comments:  All accts. are paid as agreed XXX X XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in same profession
0169287683 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $667,736.26 or 108.86 months PITIA

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Per credit report Positive mortgage payment history on all properties.
0171730794 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs.
0172734876 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has PITI 177.84  cash reserves $892,324.19
0178227752 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0178267185 XXXXXX PA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has XXX active tradelines which is less than the minimum required of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below maximum per guidelines of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0178514074 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No XXX percent tolerance fee increased $XXX for recording fee increase without a change of circumstance in file. CD XXX has a credit for $XXX credit is insufficient to cure. 8.8.18 - Client responded. Agree. The Recording fees increased from $XXX to $XXX on the CD issued XXX, without a valid Change Circumstance reason. There was a $XXX Over Tolerance credit that was applied to the Recording fees; however, it did not entirely cure the increase. The borrower would be due an additional refund in the amount of $XXXto cure the XXX% fee tolerance category. On XXX, consumers were sent a corrected CD, cover letter and check for $XXX as corrective action to cure defect. Copy of cover letter, check and corrected CD are attached.
8.8.18 - XXX has reviewed clients response and corrected CD, letter to borrower and copy of check for $XXX have been provided to cure issue. 		8.8.18 - Exception satisfied. Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI below guideline requirement

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $170,632.73 verified cash reserves exceed guidelines.
0179090626 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0180186956 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0180441145 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Credit/Mtg History Satisfied D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Borrowers have rented for last XXX years, Lender did not provide a XXX month rental payment verification . 8.21.18 - Client responded. XXX month rental payment verification (VOR) attached; $XXX/mo to XXX XXX.
8.21.18 - XXX has reviewed clients response and bank statements with proof of debit for $XXX a month rent to landlord provided. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX/XXX qualifying score. Min required per guidelines is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with XXX for XXX years
0180634997 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in same primary residence for XXX yrs.
0181700581 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX. Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $482402.19, or 135.48 months PITI.
 
0181700581 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No Lender Exceptions:
1) Wants to close in the XXX..
2) Purchase less than XXX day policy for cash (cash recoup)
3) LTV is XXX% (Max for Second Home XXX%)
Comp factors: XXX borrowers: XXX XXX and XXX, XXX and
XXX (XXX). All are on the title of the home they purchased in cash which closed on XXX, XXX XXX,
XXX. XXX and XXXr are owner occupying the home.-All XXX would like to be on title vested under the XXX. XXX
documents are in XXX. XXX, currently active since XXX, nature of business is XXX.
XXX Credit score
Good reserves - $XXXXXX.XX, or X.XX months PITI. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $482402.19, or 135.48 months PITI.
 
0181700581 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.26.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.6.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $482402.19, or 135.48 months PITI.
 
0181967666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B C A B B D B D B C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: XXX Calculation, Value: XXX. Difference is POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has a significant amount of assets after cash to close
0181967666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B C A B B D B D B C B B B Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has XXX tradelines and not the required XXX. Lender Decision summary notes borrower has XXX years credit depth with XXX credit score. (No Data) (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has a significant amount of assets after cash to close
0181967666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B C A B B D B D B C B B B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing copy of signed Note for mortgage loan with XXX and final CD for $XXX for the purchase of new property located at XXX. Per final 1003, REO section, payment is $XXX and tax/ins $XXX, total $XXX, neg. rent. 1003 is only showing $XXX. 8.24.18 - Client responded. Missing components of non-subject PITI attached; XXX Note, final CD and Loan Details page for the purchase of new property located at XXX. Payment is $XXX + tax/ins $XXX = $XXX total payment amount.
8.24.18 - XXX has reviewed clients response and documents provided support PITI for non subject property. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has a significant amount of assets after cash to close
0181967666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B C A B B D B D B C B B B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender exception: Cash out greater than $XXX with LTV exceeding XXX%.
Comp factors: Good reserves, minimal credit user, paid all mortgages on time since XXX. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has a significant amount of assets after cash to close
0181967666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B C A B B D B D B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.5.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has a satisfactory mtg payment history XXX past XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has a significant amount of assets after cash to close
0184922508 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines XXX months. XXX months of reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX. B1 current score XXX, exceeds guidelines by XXX points.
0185277921 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months in reserves or cash reserves $XXX

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO Score is XXX .
0185592179 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $243,483.73.  Reserves required of $29,707.29 per feedback certification. $499,110.93  remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0187347410 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX median score

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  150,893.50  verified cash reserves
0188269408 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower score of XXX exceeds minimum required score of XXX by XXX points.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is XXX points below maximum LTV of XXX%.
0188925333 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $157,507.50 verified cash reserves exceed guidelines.
0188927762 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with same company for last XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $234,102.29, or over 33 months PITI.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0189085941 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit. Documentation in file reflect earnest money check written after statement end date. Earnest money deducted from available reserves. Guidelines require reserves of $54,035.10. Post close reserves $418,455.46.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0191040732 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Lender Exception for Housing Payment History approved by lender. Borrower has demonstrated ability to pay and has residual income of $XXX, has savings ability with $XXX in liquid assets. Non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 142.83 months PITI cash reserves in the amount of $661,753.00
0191927482 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $216,350.15 or 24.86 months PITIA, guidelines required 9 months PITIA.
0192385695 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and CD: XXX, Section: Loan Costs; Survey fee is missing payee. (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for over XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.
0192385695 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No XXX tolerance fees (Extension Fee & Appraisal Fee (2)) increased at or prior to closing without a valid reason disclosed; refund of $XXX required within XXX days of consummation. 7.26.18 - Client responded. Disagree. TPR cited a refund of $XXX was required due to zero tolerance fees increasing prior to closing without a valid reason disclosed for Extension Fee & Appraisal fee (2). On XXX the appraisal fee increased from $XXX to $XXX for an over tolerance of $XXX. Section XXX of the final CD provided a Lender Credit for over tolerance over the legal limit. Final Appraisal inspection fee for $XXX was disclosed at inception on the first Loan Estimate and on every Loan Estimated and Closing Disclosure thereafter. Rate Lock Extension fee disclosed on XXX for $XXX, then increased to $XXX on XXX and $XXX on XXX. With each change in rate lock extension fee, the Change Circumstance team determined fee to be valid and provided approval. The fees were disclosed with in the required timeframe. Copy of origination system RESPA Changed Circumstance History screenshot attached. This is not a testing defect so corrective action is not required.
7.26.18 - XXX has reviewed clients response and internal document provided to reflect all COC issues. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for over XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.
0192385695 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE in file for both jobs is dated XXX which is > XXX days from Note date of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for over XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.
0192385695 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Title Satisfied C A C A CRDTIL875 Title Does Not Agree With Mortgage No Title Commitment and Mortgage do not match. Title reflects XXX. Mortgage reflects XXX and XXX. 7.26.18 - Client responded. Providing copy of Special Warranty Deed from XXX to XXX and XXX dated XXX.
7.26.18 - XXX has reviewed clients response and Warranty Deed has been provided and reflects both borrower names. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for over XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds guideline minimum of XXX.
0192948739 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $XXX or XXX months PITIA, guidelines required XXX months PITIA.
0196148126 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX guideline
0196540102 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0197058920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $207,958.80 or 67.36  months PITI, exceeding guideline requirements.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below maximum allowed of XXX%.
0197222538 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.19.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $429,539.76 verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0205559359 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $1,294,824.51 verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0206928090 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3654 Borrower(s) do not meet guideline requirements for citizenship status No Underwriter Decision Summary: Lender exception, borrower has a XXX that is expiring on XXX. Compensating factors include established residency, strong credit scores, & reserves in excess of XXX times what is required. (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXX month with XXX late.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months of PITI cash reserves $297,525.50
0207014246 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [F]: Calculating Cash to Close, Closing Costs Financed - Final, Value of $XXX does not match XXX Calculation, Value of $XXX, difference is the Paid Before Closing amount of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $59,104.69 or 18.23 months PITIA, guidelines required 9 months PITIA.
0207014246 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Income/Employment Active B B B B CRDINC2488 Verbal verification of employment missing No Missing Verbal Verification of employment for Co Borrower within XXX business days of Note date. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $59,104.69 or 18.23 months PITIA, guidelines required 9 months PITIA.
0207280745 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Missing legal documentation to Validate XXX being deducted from borrower's income. XXX in file does not indicate a monthly amount. 8.24.18 - Client responded. Underwriter used $XXX/mo alimony payment deducted from income. This is documented on pages XXX,XXX of the XXX, consisting of $XXX/mo and $XXX quarterly. PDF Attached. Tax returns from XXX and XXX verify this yearly amount for the monthly and quarterly alimony amount exactly, as well as current bank statements.
8.24.18 - XXX has reviewed clients response and along with separation agreement and provided tax returns the alimony payment has been verified as required. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXXXXXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0207332752 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing complete copy of initial CD dated XXX. Only page XXX in file. Cannot input until recevied. 7.25.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX, this is the same as an “in hand” delivery. No evidence of a Closing Disclosure provided by XXX on XXX. The only Closing Disclosure in file with a XXX date is from XXX and it is not for the subject property. This is not a testing defect so corrective action is not required. Copy of origination system Documents and Packages page showing the Confirm date is attached.
XXX - XXX has reviewed the clients response. The issue has to do with the CD dated XXX is missing pages XXX and cannot be input therefore only final CD dated XXX input. Per the client response their seems to be another CD dated XXX and that is not in the subject file either. Subject loan does not show on the XXX sheet. Please provide all paged of CD dated XXX and the XXX referred to in the client comments. XXX - Exception remains.
XXX - Client responded. CD dated XXXprovided.
7.26.18 - XXX has reviewed clients response and missing CD provided and cures consummation issue. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $562,811.29 in post-closing reserves, which is $360,859.88 more than the guideline required amount of $127,257.17, or 90 months in reserves on the subject property.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided in prior primary residence for XXX years.
0208289210 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence that CD Issued XXX was received by borrower XXX days before consummation. 8.15.18 - Client responded. Disagree. Closing date is XXX. XXX reflects Initial CD Date Issued XXX was received by borrower XXX, XXX business days prior to consummation. Per XXX team, XXX is a XXX; therefore the consumer consent form is not required. Per correspondent lender, the borrower would be unable to view the e-disclosures if they do not first consent to receive electronic loan disclosures through the XXX system. If the borrower did not consent, then audit trail would be able to be provided. Copy of XXX is attached.
8.15.18 - XXX has reviewed clients response and attestation to e-consent systems process.		 8.15.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $610,132.00 or 113.86 months (12 months required)

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% well below guideline max of XXX%
0208311410 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Service Providers (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in his current profession for XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current primary for over XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below guideline requirement of XXX%.
0208561509 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $285,897.48 or 57.21 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% below guideline requirement of XXX % by XXX%
0208635607 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: -$XXX; Calculation, Value: $XXX. Values do not match. The difference is $XXX, which is the Closing Costs Paid Before Closing. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score is XXX.
0208635607 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: $(XXX), disclosed as a negative number. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit Score is XXX.
0208827178 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for XXX years.
0211138295 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $945,601.75, after closing cost assets are $815,663.90; Subject PITI is $5,203.16; REO PITI is $3888.77; 89.71 months PITI in reserves.

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 has been with the current Employer for XXX years.
0211294398 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $421,995.21 or 53.12 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0211344337 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No FACTS document shows affiliates. Affiliate Business Disclosure was not provided in the supporting documents in the file. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been same job for last XXX years .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Fico of XXX exceeds the max of XXX

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional income in ot did not use to qualify
0212641480 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% guideline
0213187746 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has $XXX post close reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO score XXX
0214830788 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No PCCD dated XXX Calculating Cash to Close table LE column incorrect. Standard form Deposit is reflected as a positive number and should be negative, Seller Credits reflected as a positive number and should be negative and Adjustments and Other Credits reflected as negative number and should be positive. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $XXX, which is XXX months of PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guideline is XXX%. Actual DTI is XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score per guidelines is XXX. Borrower's qualifying score is XXX.
0214830788 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Appraisal Completed "Subject to" w/o Completion Cert in file. 8.6.18 - Client responded. Appraisal Cert provided as required. All work complete.
8.6.18 - Clayton has reviewed Appraisal Cert and all work completed. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $XXX, which is XXX months of PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guideline is XXX%. Actual DTI is XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score per guidelines is XXX. Borrower's qualifying score is XXX.
0214878009 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  B1 XXX years. B2 XXX years in same profession

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years resided in departure home.
0215539890 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0215841629 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in same residence for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months PITI cash reserves $XXX
0216529132 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No A ten percent tolerance has been issued in the amount of $XXX; however, a ten percent tolerance in the amount of $XXX has been determined and a Lender credit was issued for $XXX. Need evidence of a COC for the recording fees or proof of refund check in the amount $XXX. 8.6.18 - Client responded. Agree. Ten percent baseline on initial LE issued XXX (001) included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on the CD issued XXX (005). Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. There was an over tolerance credit of $XXX present in Section J of consummation CD issued XXX (006); although this does not cure the XXX% tolerance by $XXX, a refund of $XXX was issued by the Post-Closing team to cure the variance. Consumers were sent a corrected CD and correspondence advising loan principal was reduced $XXX on XXX. Copy of correspondence and corrected CD are attached.
8.6.18 - Clayton has reviewed clients response and PCCD with principal reduction and letter to borrower for error provided. 		8.6.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 230533.56 or 12.62 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0217783098 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Federal Consumer Protection Satisfied N/A A N/A A CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Loan officer name on XXX search has XXX suffix that is not listed on the application 7.23.18 - Client responded. See attached XXX documents supporting Loan Officer registered with and without the suffix.
7.23.18 - Clayton has reviewed clients response and document provided supports with and without suffix. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $153,507.97 in post-closing reserves, which is $XXX more than the guideline required amount of $88,454.74, or 20 months in reserves

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.
0217783098 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No There are two CDs present in the file both issued on XXX. However, the disclosure data master sheet reflects the initial CD was issued on XXX. Please provide CD for review. Fees will need to be re-tested upon receipt. 7.30.18 - Client responded. "Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Documents and Packages page showing the Confirm date and the Initial CD are attached.
7.30.18 - Clayton has reviewed clients response and CD dated XXX has been provided and entered. Internal document to reflect CD was received same day provided as well. 		7.30.18  -Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $153,507.97 in post-closing reserves, which is $XXX more than the guideline required amount of $88,454.74, or 20 months in reserves

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.
0217783098 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $XXX ten percent tolerance due to increase in recording fee from $XXX to $XXX without a valid CoC.
Final CD provided $XXX cure leaving a remaining $XXX due to borrower.
Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 		7.30.18 - Client responded. "Agree. The Recording fees increased from $XXX to $XXX on the CD issued XXX (005) with a valid Change Circumstance for the Record Power of Attorney fee, due to a POA stipulation being added; however, the Date of Knowledge of this change was XXX, and was not re-disclosed until XXX, which would not meet the XXX day timing requirement. The $XXX Over Tolerance credit was applied to the addition of the $XXX Miscellaneous Recording fee. The borrower would be due an additional refund of $XXX to cure the XXX% fee tolerance category. Refund to the borrower of $XXX and new CD reflecting the additional $XXX over tolerance credit is required to cure the defect. Remediation request sent to CDCR XXX. 7.30.18 - Exception remains.
8.1.18 - Client responded. Borrower was refunded $XXX for over tolerance credits and sent an updated re-disclosure. See attached.
8.1.18 - Clayton has reviewed clients response and PCCD as well as letter to borrower provided and error corrected. 		8.1.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $153,507.97 in post-closing reserves, which is $XXX more than the guideline required amount of $88,454.74, or 20 months in reserves

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.
0219061471 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender exception requires XXX month verified PCL only XXX verified. Approved based on no cash in hand and loan is for buyout of XXX only. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in same residence for XXX yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has a XXX with XXX for XXX yrs.
0219061471 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No Lender exception : Rate in term refinance when borrower is not obligated on existing loan being refinance. Approved based on proof borrower has paid mortgage last XXX months and buyout of XXX only with no other cash in hand. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in same residence for XXX yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has a XXX with XXX for XXX yrs.
0219379553 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation
closing costs XXX - POC XXX = XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum score per guidelines of XXX.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below guideline requirement of XXX%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at subject property for over XXX years.
0219656982 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0220298655 XXXXXX MN QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 5.22.17 Field Review Ordered. 6.7.17 Per Lender request, Field Review Cancelled. Reordered on XXX with a projected delivery date of XXX.
8.8.17 Field review received supporting appraised value with XXX% variance. 		8.8.17 Exception satisfied (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage accts. are paid as agreed. XXX days.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Overall mid score is XXX. Min required XXX
0220579384 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0221285703 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of XXX is before end of statutory rescission period which is also XXX 8.20.18 - Client responded. Providing remediation documentation - copy of updated CD sent to borrower.
8.20.18 - Clayton has reviewed clients response and corrected PCCD provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0221285703 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX is before end of statutory rescission period which is also XXX 8.14.18 - Client responded. Agree. ROR is in compliance. Disbursement date on Final CD executed by consumers on XXX is XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. Remediation requested XXX. 8.14.18 - Exception remains.
8.20.18 - Client responded. Providing remediation documentation - copy of updated CD sent to borrower.
8.20.18 - Clayton has reviewed clients response and corrected PCCD provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0221285703 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX.
Difference is due to $XXX amount paid prior to closing not reflected in Clayton calculation. 		(No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0221285703 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit LTV/CLTV Active C B C B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Lender exception: LTV over maximum. AUS approved XXX% LTV exceeds guideline maximum of XXX%. Borrower has provided cost breakdown for improvements, has a strong customer profile and existing XXX customers with abundance of assets, low ratios, low consumer debt usage, long time self-employment; No concerns with the collateral of the property where there are stable property values. 8.17.18 - Client responded. XXX approved exception - LTV. Exception approved under the PCO delegated authority.
8.17.18 - Clayton has reviewed clients response and based on lender exception approval and compensating factors this is a non material issue. 		8.17.18 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in subject property for the past XXX years.
0221506177 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at subject property for XXX years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below guideline maximum of XXX%.
0221506177 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Lender Exception Request: Primary borrowers qualifying credit score is XXX which is below the required minimum per guideline for a Cash out refinance of XXX. Compensating Factors: Brw depth of credit since XXX with all paid as agreed; score of XXX only three points below guideline; Brw 2 score is XXX; Brw low score is impacted by revolving debt utilization. Risk offset is brw intends to pay off revolving debt with loan proceeds; owned subject for XXX years, Successful mortgage payment history, credit profile shows ability and willingness to pay; XXX mos PCL with minimum requirement of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at subject property for XXX years.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below guideline maximum of XXX%.
0221577345 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of XXX.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a strong credit history with XXX revolving accounts and XXX installment with zero reported lates, no public records.
0221905704 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX verified cash reserves exceed guidelines.
0222190857 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 23  months
0223663092 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0224983810 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal verification of employment within XXX days of Note dated XXX Verbal verification of employment in file is dated XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $171,769.07  or 45 months PITI reserves, which is more than required reserves of  $33,701.40.
0225353111 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0225829599 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower on current job XXX years

CFCFS2860: Good credit history
- Clayton Comments:  excellent credit

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Excellent mortgage history

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  XXX months reserves
0226738077 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with XXX for XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Coborrower has worked at XXX as a XXX for XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  fico scores XXX exceed min guidelines of XXX
0228158610 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close Section, Closing Costs Financed - Final, Value: $XXX does not match the review calculation Value:$XXX. Difference is POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified liquid assets of $220,586.56 using 2 months checking/savings account statements; PITI is $3,756.51; 58.72 months PITI in reserves.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0228190785 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No The following non-numeric error was found:
CD’s dated XXX and XXX
Section Other Cost, Field is Other Cost Section properly format? No:
Other Cost Section G missing Payee Name for both Homeowner’s Insurance (incomplete)and Property Taxes. 		(No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI below guideline requirement.
0228436959 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No Missing Mortgage. Please Provide copy of mortgage. 8.8.18 - Client responded. See attached Mortgage
8.8.18 - Clayton has reviewed clients response and mortgage provided as required. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX% guideline maximum is XXX%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.
0228436959 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX: Section Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $XXX System calculates $XXX. The difference is the POC -Closing cost paid before closing $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX% guideline maximum is XXX%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.
0228614070 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX: Section Calculating Cash to Close, Closing Costs Financed - Final, Value: $XXX; Calculation, Value: $XXX.  Values do not match.  The difference is $XXX, which is the (closing cost paid before closing). (No Data) (No Data) Numeric Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage reviewed XXX month with XXX.
0228647088 XXXXXX NV QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No As per the UW decision summary in file, a exception to guidelines for using business funds for down payment, closing costs & reserves was applied to this file. Non Material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  W-2 income and Sched. C income not used in qualifying the loan. Compensating factor only.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  max per guidelines is XXX%

CFCFS1750: High potential for increased earnings
- Clayton Comments:  XXX is an XXX with unlimited potential for increased earnings.
0228940826 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX: (1) Summaries of Transactions section, Adjustments for Items Unpaid by Seller, Water missing prorated dates. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $94,756.50  verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0230339079 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No All CD Disclosures: Section Other Cost; Natural Hazard fee of $XXX should be in section H. Please provide CD with correct information within XXX days of consummation. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score XXX.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower employed with current employer for over XX years
0232359516 XXXXXX CT QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP4395 Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed. No Loan has flood insurance, but CD does not indicate if it is escrowed. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 85.69 month PITI cash reserves $400,459.65
0232359516 XXXXXX CT QM: Safe Harbor QM: Safe Harbor B B A A B B B B B B A A B B B B Property Valuations Property Active B B B B PRVAPROP132 Missing HOA Certificate/Questionnaire No Lender exception due to condo with individual hazard insurance policy. HOA is required to have a master policy.The HOA does not provide a master hazard insurance policy; Exception criteria: Units are side by-side (not stacked) - Met o Units are side by side and not stacked There is a master liability policy in place with XXX as the named-insured and at least $XXX in per occurrence. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 85.69 month PITI cash reserves $400,459.65
0235009627 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 135,457 in reserves, borrower needs 39,011.04

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower at same employer XXX years
0236340647 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX.  Min XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $176,879.35  or 21.51 months
0237152218 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX County XXX for the past XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $117,692.23  or 35  months PITI reserves, which is more than required reserves of  $30,012.84.
0239164746 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 283,326 in reserves, borrower only needs 52,247.04
0239693695 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $74,112.78 or 22.20 months PITIA, guidelines required 12 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXXqualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0239888391 XXXXXX HI QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of some or all components of non-subject PITI.  AUS required proof of $XXX monthly payments to XXX , Primary residence monthly payment of $XXX to XXX, and New monthly payment for property located at  XXX (AUS indicates that property was recently refinanced in the amount of $XXX). 8.14.18 - Client responded. Verification of all components of non-subject PITI attached to include equity payment calculations for XXX ($XXX monthly payment) and XXX ($XXX monthly payment).  
8.14.18 - XXX has reviewed clients response and documents to verify non subject PITI have been provided. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  188.54 Months Reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX
0239888391 XXXXXX HI QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of some or all components of non-subject PITI.  AUS required proof of $XXX monthly payments to XXX, Primary residence monthly payment of $XXX to XXX, and New monthly payment for property located at XXX (AUS indicates that property was recently refinanced in the amount of $XXX). 8.14.18 - Client responded. Verification of all components of non-subject PITI attached to include equity payment calculations for XXX ($XXX monthly payment) and XXX ($XXX monthly payment).  
8.14.18 - XXX has reviewed clients response and documents to verify non subject PITI have been provided. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  188.54 Months Reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current DTI XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX
0240502354 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 231 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XX.XX%.
0242035415 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing evidence of taxes and insurance and HOA (if applicable) for property at XXX,  Schedule of REO shows $XXX (Taxes/Hazard/HOA). Total PITIA  of $XXX for this property was used to qualify. 8.2.18 - Client responded. See attached (Online payoff page) showing T & I are escrowed for a total payment of $XXX for XXX property, also in file delivered page XXX.  See attached appraisal for XXX property showing HOA fee of $XXX/month.  
8.2.18 - XXX has reviewed clients response and documentation to support non subject taxes, HOI and HOA has been provided. 		8.2.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 110.52 months PITI reserves

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession - XXX years
0242268581 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrowers have 71 months of reserves

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX% LTV is below the maximum of XXX%
0248964878 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $172,794.72 or 44.37 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%.
0249356201 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%, which is XXX% less than the guideline max of XXX%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since XXX, XXX years.
0249451285 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTVXXX%, MAX LTV XXX%

CFCFS2860: Good credit history
- Clayton Comments:  MTG and other debt history is satisfactory w/no lates.
0250033842 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit LTV/CLTV Active B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Lender exception for subject LTV is XXX%; per guidelines, max LTV for a Second Home Purchase with non-qualifying co-borrower is XXX%. Compensating factors include XXX as XXX for XXX years, marketability supported for COOP, low DTI and high residual income. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 has been on the same job for  XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX; max allowable per guidelines is XXX%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in the same profession fro XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower 1 & 2 have owned and occupied their primary residence for more than XXX years.
0250251707 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  Max XXX%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years current job time.
0250570444 XXXXXX VT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0251476784 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying XXX of XXX exceeds minimum required per guidelines of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is less than maximum per guidelines of XXX%.
0251576373 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing partial XXX statement; Statement Dated XXX - XXX. 8.2.18 - Client responded. XXX Account was not used for assets.  Proceeds from sale of departure res, gift, XXXXX account, and retirement accounts used.  See underwriter comments page XXX.  Also AUS does not require XXX bank statements.
8.2.18 - XXX has reviewed clients response and XXX funds taken out of consideration and borrower still meets cash to close and reserve requirements. 		8.2.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  The borrowers did not have any mortgage late during the past XXX months.
0253944538 XXXXXX IN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.
0255391162 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0256240448 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence borrower received initial CD a minimum of XXX days prior to consummation. Data disclosure sheet indicates initial CD dated XXX was delivered on XXX. However, file only contains CD dated XXX. Please provide CD dated XXX 7.26.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached.
7.26.18 - XXX has reviewed clients response. File only contains two CD's both dated XXX. Missing Initial CD dated XXX. Please provide for input. XXX - Exception remains.
8.6.18 - Client responded. Copy of Initial CD dated XXX is attached.
8.6.18 - XXX has reviewed clients response and Initial CD provided as required. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs.
0256496044 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower 1 at employer XX yrs XX mo

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 at employer XX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower needs 12 mo PITI, which is $62,071.80. Borrower has $236,297.00 in reserves
0256828822 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No Last CD issued XX and PC CD Issued XX. Seller Address for the Additional Seller is missing on the CD Addendum. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median XXX score of XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0258476374 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower gets XXX income and XXX income  we only used the XXX (only has less than 1% ownership in business) additional income could be used as a compensating factor

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has extremely low dti at XXX% max is XXX%
0259691405 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. Appraiser was not able to gain access to the community therefore an AVE (Automated Valuation Estimator) has been ordered. 8.6.18 – An AVE  was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. 8.6.18 - Exception remains.
8.8.18 - Client responded. "Desk Review: The Desk Review contains conflicting information discrediting its validity and is deemed unreliable. For example, the Risk Rating section indicates the original appraisal is “EXCELLENT, the value submitted for review was supported and thought out. The report has required only limited review by the XXX Appraisal is acceptable”.  Furthermore, the Desk Review states that the comparable sales were selected under the Extraordinary Assumption that the subject property has similar/competitive quality/finish-out/craftsmanship as the sales selected for the Desk Review analysis. Therefore, without performing a thorough analysis of the subjects features and how they truly compare to the comparable sales utilized in the Desk Review, the Desk Review could not have returned a reliable value conclusion.  
In addition, the Desk Review invokes an Extraordinary Assumption relative to the subject property's land value.  Noting similar comparable sales also with reasonable proximity and that land value extraction for the subject property and each selected sale is not within the scope of work of this assignment. This approach is flawed as the subject has a premium site/view location and significant or minor differences in the site would impact the final value conclusion of this product. The subjects is located directly on the XXX hole of the golf course and also has a desirable pond view. This amenity and its extensive gardens are far superior to those sales selected by the Desk Review and would certainly be recognized by a buyer in this marketplace. The Desk Review’s omission of applying land value extraction for the subject property and the sales selected, distorts any and all results rendered by the Desk Review. By invoking Extraordinary Assumptions for features and attributes that have significant impacts to the market value limits the reliability and confidence in the Desk Review’s value conclusion. Therefore, the Desk Review valuation should be disregarded  and the appraised value accepted.
Origination Appraisal:  The subject property was listed on MLS and exposed to the market for XXX days prior to consummating a sale. The comparable sales in the Origination Appraisal also have shorter Days On Market, and comparable 6 has a similar golf & pond view ultimately supporting the estimate of market value. The Origination Appraisal contends the superior location amenity is a driving factor in the minimal Days On Market and the final estimate of value. Sales cited in the desk review analysis:
• XXX: $XXX, XXX (sold) $XXX, XXX (listed)
Design/style is colonial and NOT of brick construction. This sale has a wooded view, does NOT have a golf course or pond view.
• XXX: $XXX, XXX (sold) $XXX, XXX (listed)
All brick construction like the subject. This sale does NOT have a golf course view, but has a pond and residential views.
• XXX: $XXX, XXX (sold) XXX (Listed) XXX list price
All brick construction like the subject . This sale does NOT have a pond view and is not directly backing a specific hole/green like the subject."
8.8.18 -XXX has reviewed clients response and sending response to vendor. 8.8.18 - Exception remains.
8.13.18 - Vender has responded and based on additional comps more like the subject reported value is $XXX which supports original appraised value of $XXX. 		8.13.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Cash Reserves in the amount of $212,235.84.
0261252710 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 50 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX
0263321717 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A C A D B D B A A C B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Recording Fees are not Itemized. Corrected on CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0263321717 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A C A D B D B A A C B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE Issued XXX was E-signed. Missing E-Consent. 8.22.18 - Client responded. Copy of e-delivery consent forms are attached
8.22.18 - XXX has reviewed clients response and e-consent has been provided. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0263321717 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A C A D B D B A A C B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD Issued XXX was E-signed. Missing E-Consent. 8.22.18 - Client responded. Copy of e-delivery consent forms are attached
8.22.18 - XXX has reviewed clients response and e-consent has been provided. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0263321717 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A A C A D B D B A A C B D B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.30.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 9.4.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.4.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $158,507.89.  Reserves required of $62,591.16(12 x $5,215.93).  $355,312.63 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0265183174 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX years working for the XXX

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co- Borrower has been XXX years working for XXX.
0265407754 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Evidence of Hazard insurance does not state that it covers replacement of the dwelling. Dwelling insured limit is $XXX and appraisers estimate of dwelling construction cost is $XXX. 5.25.17 - Policy only indicates personal property replacement cost coverage. XXX Hazard matrix does not have XXX.  Need evidence policy has replacement cost coverage or cost estimator that has reconstruction estimate under policy limit. 5.25.17 - Exception remains.
8.16.18 - Client responded. HOI policy provided.
8.16.18 - XXX has reviewed and HOI policy provided reflects required coverage and endorsements for full replacement costs.		 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV per guidelines is XXX%. Actual DTI is XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Per guidelines minimum credit score for subject program is XXX.  Borrower's qualifying score is XXX.
0265541902 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying XXX of XXX exceeds minimum guideline requirement of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of XXX%.
0267515996 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying XXX of XXX exceeds minimum guideline of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of  $172,123.25 or 32.17 months which exceeds guideline requirement of 12 months.
0268470192 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. mtg. history with XXX days. Paid as agreed.
0268610599 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: XXX Calculation, Value: XXX. Differnce is POC of $XXX.   (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $388,050.37 or 90.61 months PITIA, guidelines required 9 months PITIA.
0268610599 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount) is $XXX this is disclosed as negative, should be positive (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $388,050.37 or 90.61 months PITIA, guidelines required 9 months PITIA.
0268787983 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median XXX score of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 47.85 months in reserves.
0269042426 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender has made exception for Unacceptable Property Type/ Unique property for the subject as no comps in area with accessory unit and large acreage. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $1,074,047.22 in post-closing reserves, which is $757,136.02 more than the guideline required amount of $316,911.20, or 162 months in reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline maximum of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.
0269354136 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Co Borrower who is primary wage earner does not have any open trades in their name. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total assets $430,870.55, after closing funds required, $240,302.29  for reserves. Borrower only needs 75,011.88 in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min score allowed XXX, co borrower score is XXX
0269354136 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 9.12.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.12.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total assets $430,870.55, after closing funds required, $240,302.29  for reserves. Borrower only needs 75,011.88 in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min score allowed XXX, co borrower score is XXX
0269641502 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.18.18 - A Desk Review was received with a reported value of XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.30.18 - A Field Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX.  Exception remains.
8.6.18 - Client responded. Additional commentary and comps have been provided to review. Response has been forwarded to vendor to review. 8.6.18 - Exception remains.
8.14.18 - Vendor responded and answered clients questions as well as reviewed additional comps but no change in value. 8.14.18 - Exception remains.
8.17.18 - Client responded with additional commentary on the comparables that were originally used.
8.17.18 - Clayton has reviewed clients response and sent commentary to vendor for further review.
8.17.18 - Per Clayton vendor major discrepancies in field review that was done. Suggested another be done by different appraiser. Clayton and client agree.
8.31.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 		8.31.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $2,298,672.62 in post-closing reserves, which is $2,247,595.58 more than the guideline required amount of $51,077.04, or 810 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%
0269643387 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has XXX mortgage history reviewed for XXX months
0270507565 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have stable employment.
.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Good DTI for file.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Good representative score of XXX.
0272650019 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0272672103 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD: XXX [Last CD], Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the portion of the  Home Warranty paid by the borrower 0f $XXX is not designated as Optional. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 18.67 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years
0272672103 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A B A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted?, Value: No. Section B. Appraisal, Appraisal Fee and Employment Verification Fee are missing the Payees say XXX. Corrected on CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 18.67 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years
0274145207 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $114,560.59 or 32.3 months which exceeds minimum required per guidelines of 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0274614979 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX: Calculating Cash to Close; Closing Costs Financed - Final, Value: $XXX; Calculation, Value: $XXX.  Values do not match.  Difference of $XXX, which is the amount that was paid before closing. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%  Max is XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has XXX years in current industry

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. review with XXX days
0274614979 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Credit Assets Active C B C B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Required X.XX mos reserves per guides. Borrower needs $XXXXX.XX, has XXXXX.XX.  Short $XXX.XX 7.17.18 - Client responded. "LVAM approved exception - Post close liquidity requirement. Exception approved under the XXX delegated authority. Calculated reserves $XXXXX / PITIA $XXXXX - short $XXXXX.
7.17.18 - Clayton has reviewed clients response and agrees non-material. 		7.17.18 - Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%  Max is XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has XXX years in current industry

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. review with XXX days
0275505189 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower dti is XXX% max is XXX% borrower is below the dti
0275686962 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is $XXX POC charges. 		(No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 recently received an increase of income per employment letter but used prior income as more conservative. Borrower has additional income which is not used.
0275686962 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3564 TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file No LE Dated XXX : Loan amount change $XXX without XXX or supporting documentation. 8.14.18 - Client responded. Disagree.  The loan amount increased on Loan Estimate dated XXX; however, the loan increase did not cause any fees to increase; therefore, changed  circumstance for the revised loan disclosure is not required.  This is not a testing defect so no corrective action is required.
8.14.18 - Clayton has reviewed clients response and a review of LE in question reflects an increase in loan amount but actual costs went down therefore no issue. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 recently received an increase of income per employment letter but used prior income as more conservative. Borrower has additional income which is not used.
0275686962 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Assets Active C B C B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Per UW Decision Summary the lender reviewed an exception to guidelines for insufficient amount of reserves and cash out refinance transaction on subject property that was purchased within the past XXX days. Borrower has XXX months PITI as opposed to XXX months required. Compensating factors include residual income and ability to repay. 8.17.18 - Client responded. LVAM approved exception - Reserve requirements (post close liquidity requirement). Exception approved under the XXX delegated authority.
8.17.18 - Clayton has reviewed clients response and based on lender exception and compensating factors this is non-material. 		8.17.18 - Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B2 recently received an increase of income per employment letter but used prior income as more conservative. Borrower has additional income which is not used.
0275717944 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Lender has made exception for X.XX months of reserves versus the required X.XX months. Compensating factors for approval include low DTI of XXX% & XXX in residual income. Non Material. (No Data) (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Additional income both borrowers have XXX income that we have not used to qualify

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score for both borrowers exceed the guidelines of XXX qualify score XXX
0279388628 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0280298830 XXXXXX WI QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 7.17.18 - A Desk review was received which satisfies this exception; however, it did not support the original appraised value. A new exception has been issued for value not supported. 7.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0280298830 XXXXXX WI QM: Safe Harbor QM: Safe Harbor D A A A D A A A D B A A D B A A Property Valuations Value Satisfied N/A A N/A B PRVAVALU153 Value Not Supported No 7.17.18 - A Desk Review was received with a reported value of XXX which is a variance of -XXX less than the original appraised value of XXX. A field review has been ordered. 7.26.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX. 7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0281852305 XXXXXX OK QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same XXX for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX month in PITI cash reserves XXX
0282872801 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $442197.71 or 121.63 months PITIA. Reserves required $45387.96
0284213243 XXXXXX OH QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current XXX for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $238,925.97 or 67.39 months which exceeds minimum required per guidelines of 6 months.
0285788581 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  no late payments

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  no mortgage lates
0286681919 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX DTI, max per guidelines is XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $104,004.23.  Reserves required of $48,952.80 (12 x $4,079.40).  $459,970.48remaining reserves after funds to close.
0286898494 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same company for last XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0288906382 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX, Other Costs, section E. - Recording fees not incremented. Corrected on subsequent CD XXX and Final CD XXX. Exception satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $163,277.75 or 51.86 months PITIA, guidelines required 9 months PITIA.
0289761335 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is over XXX points below maximum DTI of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 140 months exceed minimum reserve requirement of 9 months.
0289961875 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% max XXX%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  ltv XXX% max ltv XXX%
0290231103 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Credit Income/Employment Satisfied D A D A CRDINC2340 Employment verification does not meet guidelines No The final verbal verification of employment XXX days prior to closing is missing. 8.20.18 - Client responded. See attached Underwriters notes as the underwriter verbally verified with borrower's employer on XXX (within XXX business days of closing ) that the borrower was still employed with XXX.
8.20.18 - Clayton has reviewed clients response and underwriting notes reflect VVOE completed on XXX and within XXX business days of closing as guidelines require. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with XXX years with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with fico score XXX.
0290231103 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A C A A A D B D A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.20.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.17.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with XXX years with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with fico score XXX.
0291123340 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR is signed by the borrower on XXX with an expiration date of XXX.CD dated XXX disbursement date is XXX it's before end of statutory rescission period. Please provide LOX, CD, proof of delivery, and New XXX to all entitled to rescind to re-open rescission within XXX days of discovery. 8.1.18 - Client responded. "Disagree. ROR is in compliance. Disbursement date on Final CD executed by consumers on XXX. Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX was sent to the consumers XXX. Copy of corrected CD with cover letter is attached.
8.1.18 - Clayton has reviewed clients response and PCCD provided to reflect correct disbursement date and proof was sent to borrower. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history for XXX and XXX month reviewed XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score for Primary (XXX) XXX.
0291123340 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated XXX: Section Calculating Cash to Close- Closing Costs Financed; CD calculation is $XXX, System Calculation is $XXX.The difference is the closing cost paid before closing (POC) $XXX.
CD PCCD dated XXX - Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history for XXX and XXX month reviewed XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score for Primary (XXX) XXX.
0291123340 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C B C B C B A A C B Credit Application Active C B C B CRDAPP131 Occupancy status not supported by file documentation No Per Underwriter Decision Summary, lender exception: Primary cashout for XXX, Borrowers are refinancing parents property and cashing out $XXX+ in order to enlarge the property so that there is enough space to accommodate both couples. Letter in file documents intentions and scope of work to be done, customer will be living in their XXX during construction and selling afterwards. Compensating factors include low LTV of XXX%, XXX in residual income and paid as agreed for mortgage since 2003.
8.1.18 - Client responded.
"Disagree. Final Loan Application states property is a primary residence. The XXX Compliance Testing Team does not validate XXX occupancy other than reviewing the occupancy as stated on the Final Loan Application. Recommend that this issue be forwarded to Credit Risk to for an underwriting review to validate the occupancy stated on the Final Loan Application.
8.1.18 - Clayton has reviewed clients response and file contained a lender exception for issue with compensating factors therefore downgraded to non-material. 		8.1.18 - Exception remains. (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history for XXX and XXX month reviewed XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score for Primary (XXX) XXX.
0291294869 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide proof the initial CD was received XXX days prior to the consummation date of XXX. Data disclosure list does not reflect this loan # to verify receipt. 7.23.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in Your Loan Tracking (electronic delivery) XXX allowing at least XXX business days to review the Closing Disclosure prior to close on XX/XX/XXXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached.
7.23.18 - Clayton has reviewed clients response. Subject loan is not reflected on the Disclosure XXX sheet provided. Document provided as condition verifies the borrower opened email for CD dated XXX verifying it was received on same date. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job - XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 36+ months of reserves
0291914939 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Property Satisfied D A D A PRVAPROP132 Missing HOA Certificate/Questionnaire No Missing XXX Project approval. Per guidelines XXX Approval required due to investor concentration of XXX%. Provide XXX Approval for review. 8.8.18 - Client responded. XXX approved exception - XXX investor concentration requirements. Exception approved under the XXX delegated authority.
8.8.18 -Clayton has reviewed clients response and per XXX  guides this is acceptable. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit. Documents verifying $XXX earnest money deposit reflects funds provided after asset statement end dates. Earnest money deducted from available reserves. Guidelines require reserves of $31,773.42. Post close reserves $264,584.90.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.
0291953783 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX Summaries of Transactions, Adjustments and Other Credits Calculation is $XXX does not match Calculating Cash to Close, Adjustments and Other Credits -$XXX. Includes the Second Loan of $XXX. 2nd loan credit should be in Other Credits section to calculate Adjustments and Other Credits accurately. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $1,336,227.92 or 166 months which exceeds minimum guideline requirement of 6 months.
0291953783 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD's dated XXX & XXX Other Costs Section E reflect a $XXX Natural Hazard Report fee in recording section. This is not a recording fee and should be in section H as it is not a tolerance fee. (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $1,336,227.92 or 166 months which exceeds minimum guideline requirement of 6 months.
0291953783 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Ten percent tolerance fee or fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $XXX. Seller Paid. The cure of $XXX on the Final CD issued XXX is not sufficient to cover the cure.  Fee increase was due to Recording fee increase from $XXX to $XXX. 7.30.18 - Client responded. XXX - TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided. Ten percent tolerance fee or fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $XXX. Seller Paid. The cure of $XXX on the Final CD issued XXX is not sufficient to cover the cure.  Fee increase was due to Recording fee increase from $XXX to $XXX. "Disagree with investor. Ten percent baseline on initial LE issued XXX (XXX) included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on CD issued XXX (XXX). It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of consummation CD issued XXX (XXX) to cure variance in XXX% tolerance category.  This is not a testing defect so no corrective action is required.
7.30.18 - Clayton has reviewed clients response and Master Settlement Statement fee as stated and should not be a tolerance fee. 		7.30.18 - Exception satisfied. Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $1,336,227.92 or 166 months which exceeds minimum guideline requirement of 6 months.
0292821946 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.18.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.24.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence of XXX years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $1,412,324.64 which exceeds guideline minimum requirement of 6 months PITI.
0294722518 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX. Final CD reflects earnest money deposit of $XXX. No documentation located in file to verify cleared borrowers funds prior to close. Earnest money was deducted from available reserves. Guidelines require reserves of $27,199.80.  Post close reserves $876,904.64.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX has XXX years same line of work.
0294875608 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0294950683 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XX/XX/XXXX-1 [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is $XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX.
Section K Line XXX for Regions payoff should be under Adjustments line XXX therefore not calculating correctly into Adjustments and Other Credits section of Calculating Cash to Close table. 		(No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $66,038.17 or 14.01 months PITIA, guidelines required 9 months PITIA.
0295040676 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0295340277 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XX/XX/XXXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: 5319.23 and Field: Clayton Calculation, Value: 4683.80. Difference is POC of $635.43.   (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX%LTV

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years with XXX in field
0295511605 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0296310550 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No Missing Mortgage from file. Mortgage in file dated XXX. 7.25.18 - Client responded. See attached  Mortgage for XXX loan.
7.25.18 - Clayton has reviewed clients response and Mortgage for subject loan has been provided. 		7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.
0296310550 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing liquidation of the XXX Account XXX in the amount of $XXX per the Loan Approval. 7.30.18 - Client responded. "The document from XXX references the acct number from which the funds were withdrawn (XXX), the check number, the amount withdrawn and shows that the funds were disbursed to the borrower.  The second document is a letter from the closing attorney which acknowledges receipt via 'by hand' of the funds in the same amount.  
7.30.18 - Clayton has reviewed clients response and documents provided support liquidation of account. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.
0297425087 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Credit Terms/Guidelines Active B B B B CRDTER3124 Loan documents do not meet guideline requirements No Lender has made exception for non-agency renovation loan product for subject. Based on all compensating factors mentioned in exception this is a non-material issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $400,762.47 in post-closing reserves, which is $275,332.95 more than the guideline required amount of $125,429.52, or 76 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of XXX%
0297425087 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Appraisal is subject to work to be completed based on a quote and Rehab agreement with lender for repairs totaling $XXX; No final inspection provided. 5.31.17 Client provided copy of subject to appraisal, however there was no completion cert in file. It appears work has not yet begun. 5.31.17 Exception remains.
8.16.18 - Client responded. Completion Cert provided.
8.16.18 - Clayton has reviewed completion cert and renovations have been completed.		 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $400,762.47 in post-closing reserves, which is $275,332.95 more than the guideline required amount of $125,429.52, or 76 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of XXX%
0297778942 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide Missing Co-borrower's (XXX) W2 for XXX.   8.17.18 - Client responded. Client provided XXX W2 transcript, verbal VOE, and Work Number Written Verification of Employment for co borrower's employment at XXX, which would be sufficient documentation, in lieu of the XXX W2.
8.17.18 - Clayton has reviewed clients response and docs provided are sufficient for docs required for XXX income.		 8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrrower has XXX yr XXX months at same employer XXX years same field
0297778942 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX
LE dated XXX only LE in file. Calculating Cash to Close, Total Closing costs in LE column of CD does not match to final LE dated XXX. 		(No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrrower has XXX yr XXX months at same employer XXX years same field
0297778942 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Provide Missing co-borrower's (XXX) XXX W2 in file.  File includes XXX/XXX 1040's and transcripts but not his XXX W2. 8.17.18 - Client responded. Client provided XXX W2 transcript, verbal VOE, and Work Number Written Verification of Employment for co borrower's employment at XXX, which would be sufficient documentation, in lieu of the XXX W2.
8.17.18 - Clayton has reviewed clients response and docs provided are sufficient for docs required for 2017 income.		 8.017.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrrower has XXX yr XXX months at same employer XXX years same field
0298523928 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at the same resident XXX yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employers for XXX yrs.
0298523928 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD: XXX and Last CD XXX, Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the Home Warranty paid by the borrower is not designated as Optional and Title- Owner's Title Insurance is not designated as Optional.   (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at the same resident XXX yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employers for XXX yrs.
0300345056 XXXXXX SD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0301211587 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3752 TRID - Error #2 discovered on Loan Estimate No LE: XXX, LE XXX and LE: XXX, Section: XXX and Contact Information - Missing State License ID #. Corrected on subsequent CD. Exception satisfied. (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 390,619 left in reserves, after closing costs and 12 mo PITI for subject

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV was XXX, max allowed is XXX
0301211587 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Proof the XXX Mtg acct # XXX is secured on XXX, and
Proof State Dept XXX mortgage includes  taxes and insurance		 8.23.18 - Client responded. Verification that XXX Mortgage is secured on XXX is attached.  XXX confirms the mortgage is secured to this property and aligns with information on the credit report and loan statement.  Loan statement attached to reflect taxes and insurance are included in the payment.  P&I for XXX-month term at XXX% = XXX.  Loan statement and credit report payment with taxes and insurance matches, so escrows are included in the payment.
8.23.18 - Clayton has reviewed the clients response and documentation has been provided to reflect account is attached to property and mortgage statement provided to support PITI. 		8.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 390,619 left in reserves, after closing costs and 12 mo PITI for subject

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV was XXX, max allowed is XXX
0301438280 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $XXX due to increase in appraisal fee without a valid XXX. Final CD provided $XXX cure leaving a remaining $XXX cure to borrower.
Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 		7.30.18 - Client responded. Disagree.  There was a $XXX rush fee added to the appraisal on XXX and disclosed to the borrower on XXX within the XXX day timing requirement.  No additional refund would be due to borrower.  Copy of origination system RESPA Changed Circumstance History screenshot attached.  This is not a testing defect so no corrective action is required.
7.30.18 - Clayton has reviewed clients response and XXX provided as required for additional fee.		 7.30.18 - Exception satisfied. Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $117,892.23 verified cash reserves exceed guidelines.
0303767598 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession fro XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets : Verified $166,322.70 Post Cash reserves; meets the reserves requirements PITI is $9,276.48; 17.92 months PITI in reserves.
0303920414 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX; Calculation, Value: XXX. Values do not match. The difference is XXX, which is the Closing Costs Paid Before Closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $49,858.65 or 16.12 months PITIA, guidelines required 9 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX years.
0304031245 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked for same employer for XXX years and XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves total $592,433.12 / 169.13 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTi is XXX% below max of XXX%
0304099588 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  borrower gets bonus income we did not use in qualifying purpose.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same company XXX years. and same field XXX years
0304615935 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $330,286.03 or 128.02 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX%.
0305874088 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post cash reserves in the amount of $88,790.98; Subject PITI is $5,656.21; 15.69 months PITI in reserves.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current Employer for XXX years.
0306488506 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0306509504 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has XXX years on current job

CFCFS2860: Good credit history
- Clayton Comments:  No lates
0308709723 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $471,103.46 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI below guideline requirement
0312469838 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX[Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final Value is $XXX which does not match Clayton Calculation, Value $XXX. The difference is the Paid Before Closing amount of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  There are XXX months in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The back end ratio is XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years in his line of work.
0312469838 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Credit LTV/CLTV Active B B B B CRDLTV3026 LTV Exceeds Guideline Requirement by at least 5%, but less than 10% No Per UW decision summary form the lender approved an exception to guidelines for CLTV; subject cash out refi on 2nd home; max allowed is XXX%; current transaction is XXX% (XXX% exception) with stable employment; additional income that was not used to qualify & low ratios non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  There are XXX months in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The back end ratio is XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years in his line of work.
0312469838 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.1.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  There are XXX months in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The back end ratio is XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years in his line of work.
0313081657 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A D A C A D A D B D A C B D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing  Balance sheet as required per ATR/QM. 8.21.18 - Client responded. Balance Sheet attached
8.21.18 - Clayton has reviewed clients response and balance sheet provided as required. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of XXX months.  Borrower has XXX months of reserves

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX employed for XXX years
0313081657 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A D A C A D A D B D A C B D A Credit Income/Employment Satisfied D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Balance Sheet missing for one or more XXX Employed borrowers 8.21.18 - Client responded. Balance Sheet attached
8.21.18 - Clayton has reviewed clients response and balance sheet provided as required. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of XXX months.  Borrower has XXX months of reserves

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX employed for XXX years
0313081657 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A D A C A D A D B D A C B D A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.26.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.6.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of XXX months.  Borrower has XXX months of reserves

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX employed for XXX years
0313736465 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR "midnight of" date is XXX. Disbursement date is XXX per Final CD. 7.20.18 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation in process. 7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is same profession XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA
0313736465 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR "midnight of" date is XXX. Disbursement date is XXX per Final CD. 7.20.18 - Client responded. Agree.  Disbursement date on Final CD executed by consumers on XXX is XXXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX  sent to the consumers is required to cure defect.  Remediation in process. 7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is same profession XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA
0313736465 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) CD dated XXX reflects (XXX). Includes POC of $XXX which should be backed out and Closing Cost Financed should be ($XXX).
CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -XXX
CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is same profession XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA
0313736465 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C A C B Property Valuations Appraisal Satisfied C A C A PRVAAPPR119 Appraisal documentation does not support occupancy No Appraisal dated XXX occupancy shows vacant.  Statement of Occupancy signed/dated XXX shows borrower must occupy subject property within XXX days of closing.  Per Final CD loan closed XXX. 7.20.18 - Client responded. XXX approved exception - Purchase < XXX days (prior to application) policy. Exception approved under the XXX delegated authority. The borrower purchased the subject property (primary residence) XXX as a cash transaction for $XXX. The borrower relocated for his employer from XXX to XXX in the 2nd quarter of XXX. The purpose of this loan (cash-out refinance) was to recoup part of the funds used to purchase the subject property.
7.20.18 - Clayton has reviewed clients response and located exception as stated. 		7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX below guideline requirement of XXX% by XXX%

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower is same profession XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guidelines requirement of 720 by XXX points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $121,675.45 or 30.05 months PITIA
0314654091 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds 680 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline
0315054426 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $99,788.22 or 29.82 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0316341829 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $285,945.07 or 52.01 months PITIA, guidelines required 12 months PITIA
0320067234 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for last XXX yrs.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Coborrower has worked for XXX for the last XXX yrs.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan has an XXX% LTV
0321475325 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX median score; guideline minimum is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post cash reserves in the amount of $95,035.97; Subject PITI is $3,932.07; 24.16 months PITI in reserves.
0324760773 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0325467878 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written list of providers XXX not provided within XXX days of initial application XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0327514557 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide documentation for the tax and insurance expenses for the property on XXX. 8.6.18 - Client responded. Property taxes for XXX. Provided.
8.6.18 - Clayton has reviewed clients response and property profile reflects property taxes for XXX and matches what was used at origination. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $405,132.15 in post-closing reserves, which is $340,506.29 more than the guideline required amount of $64,625.87, or 133 months in reserves

CFCFS1736: Significant time at current residence
- Clayton Comments:  Resided in primary residence for XXX years.
0327514557 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Provide documentation for the tax and insurance expenses for the property on XXX. 8.6.18 - Client responded. Property taxes for XXX. Provided.
8.6.18 - Clayton has reviewed clients response and property profile reflects property taxes for XXX and matches what was used at origination. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $405,132.15 in post-closing reserves, which is $340,506.29 more than the guideline required amount of $64,625.87, or 133 months in reserves

CFCFS1736: Significant time at current residence
- Clayton Comments:  Resided in primary residence for XXX years.
0327514557 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender made an exception on the loan for post close liquidity, penalty free access.   Based on all compensating factors mention in this exception this is a non-material issue, and lender compensating factors of when the borrower will retire, they anticipate they will sell the current primary residence that has projected proceeds of more than $XXX.  Low DTI  of XXX%. Residual income of $XXX. No mortgage lates. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $405,132.15 in post-closing reserves, which is $340,506.29 more than the guideline required amount of $64,625.87, or 133 months in reserves

CFCFS1736: Significant time at current residence
- Clayton Comments:  Resided in primary residence for XXX years.
0328225315 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $86,299.70 verified cash reserves exceed guidelines.


CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX year with employer per vvoe.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0328688311 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $165,658.59 or 52.96 months PITIA

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed at current job XXX years and XXX months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years
0332876869 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $205,307.78 in post-closing reserves, which is $262,303.40 more than the guideline required amount of $53,140.48, or 71 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with current employer since XXX, XXX years.
0333137496 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years XXX Months on current job

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

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX%
0333342921 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Verbal verification of employment located in file is dated XXX and is not within the allowable XXX business days of note date allowed by guidelines.  Note date XXX, VVOE required to be dated no later than XXX. Provide VVOE completed within allowable time frame for review. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX. Final CD reflects required funds to close, $XXXX. Guidelines require reserves $29,663.73.   Post close reserves $752,758.80.
0334150332 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A B A B B B B A A B A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No Non Numeric Error
CD: XXX, XXX: Calculating Cash to Close, - Cash to Close (LE side) discloses Cash to close as $XXX.  LE - Calculating Cash to Close discloses cash to close as $XXX.		 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX years.

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

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

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.
0334150332 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A B A B B B B A A B A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4283 TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Non Numeric Error
CD XXX and XXX: Calculating Cash to Close (LE side) discloses deposit as $XXX (a positive number).  This figure should be disclosed as a negative number( -$XXX).		 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX years.

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

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

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.
0334150332 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A B A B B B B A A B A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID4253 TRID - CD: The Deposit value in the  LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number No Non Numeric Error
CD XXX and XXX: Calculating Cash to Close (LE side) discloses deposit as $XXX (a positive number).  This figure should be disclosed as a negative number( -$XXX).		 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX years.

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

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

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.
0334150332 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A B A B B B B A A B A B B Property Valuations FEMA Satisfied B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No XXX Public XXX Storm and Snowstorm XXX Storm and Snowstorm XXX. Missing subsequent inspection. 7.20.18 - Property Inspection provided and no damage to property. 7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX years.

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

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

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower's DTI of XXX% is XXX% less than required 38%.
0334362006 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE for borrower and co-borrower are not within XXX days from Note date. (No Data) Current VVOE for borrower and coborrower required (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 460.92 months
0335527558 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit  score per guidelines is XXX.  Borrower's qualifying score is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $XXX, which is XXX months of PITIA.
0336433365 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds 680 minimum score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum XXX% guideline
0336530573 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD XXX formatting, Other Cost, H:06 missing optional  for home warranty. Borrower costs $XXX. (No Data) 8/13/17: re-reviewed, proper compliance grade for this is non material Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $479,156.35 or 113.90 months PITIA, guidelines required 9 months PITIA.
0336530573 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX and LE XXX missing state with the XXX information.  Corrected by CD XXX
Exception satisfied.		 (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $479,156.35 or 113.90 months PITIA, guidelines required 9 months PITIA.
0336561855 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Borrower's median credit score is XXX

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Positive cash flows from XXX other business not used in qualifying.
0336614085 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $XXX.  Reserves required of $XXX(XXX x $XXX).  $XXX remaining reserves after funds to close.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has more than XXX years at current job.
0336630495 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4242 TRID - CD: The Paid Already by or on Behalf of Borrower at Closing amount disclosed in the CD Summary of Transactions section does not equal its component parts No CD issued on XXX, under section: Summaries of Transactions, Field: L. Paid Already by or on Behalf of Borrower at Closing - Total, shows: $XXX. Clayton's review calculation is: $XXX (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds minimum required per guidelines of XXX months.
0336630495 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD XXX Section, Summaries of Transaction L. (Paid already by or on behalf of borrower at closing) CD value listed $XXX does not equal the adjustments and other credits in the calculation cost to close. System calculates $XXX , difference of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds minimum required per guidelines of XXX months.
0336630495 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD disclosures dated XXX and XXX: Section Other Cost H. Other; Pest Inspection missing payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds minimum required per guidelines of XXX months.
0340298639 XXXXXX AL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 mid score is XXX  min. required is XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  min. post close reserves required per guides =XXX mos. Verified XXX mos. post close reserves.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  credit report reflects XXX mos. hist. with XXX days.
0340498050 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Co-borrower as primary wage earner only has XXX trade lines in his name. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  co borrower employed XXX years and XXX months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  minimum score is XXX, borrower score is XXX
0340498050 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 9.24.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  co borrower employed XXX years and XXX months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  minimum score is XXX, borrower score is XXX
0342354538 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX, Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX and CD: XXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX. Values Do Not Match. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months in cash reserves $XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Loan has XXX months consumer history reviewed with XXX.
0342354538 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX, Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX and CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX. Values Do Not Match (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months in cash reserves $XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Loan has XXX months consumer history reviewed with XXX.
0343868694 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3124 Loan documents do not meet guideline requirements No Addendum in file and appraisal shows sale price as $XXX. Closing Disclosure shows Sales Price $XXX.

1) Missing Addendum to Purchase Agreement showing sales price of $XXX.   
2) Provide correct page 1 of appraisal showing sales price of $XXX.		 7.26.18 - Client responded. 1- Addendum to Purchase Agreement showing sales price of $XXX attached.  2- Lender guidelines do not require a revision to the appraisal as the change occurred after the effective date of the appraisal. Contract terms were renegotiated after the appraisal value came in less than the sales price.
7.26.18 - Clayton has reviewed clients response and addendum to contract provided to support sales price. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX. Min XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession XXX years.
0345305171 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX: Section Calculation Cash to Close; Closing Cost Financed on CD is $XXX, Claytons calculation $XXX. The difference is $XXX amount of the closing cost paid before closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified cash reserves of $XXX or XXX months PITIA.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence XXX years
0345430447 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0346268595 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No CD XXX - Finance charge understated by $XXX due to $XXX courier charge and $XX loan tie in fee not included, satisfied on PCCD XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co borrower has been in same profession for XXX yrs.
0346268595 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Finance Charge Tolerance Satisfied B B B B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed No CD XXX Disclosed Amount Financed  $XXX is higher than actual calculated Amount Financed $XX. Difference of $XXX due to missing Courier charge and Loan tie in fee, satisfied on PCCD XXX (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co borrower has been in same profession for XXX yrs.
0346398451 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has X years in profession

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history
0346404048 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Loan is calculated as Non QM due to DTI exceeding XXX%, Clayton Excluded Bonus income which is needed pending documentation. 7.20.18 - Client responded. A 2-year history and continuance of bonus income was documented with XXX W-2's, XXX Pay Voucher(s) and VOE. Income documentation attached.
7.20.18 - Clayton has reviewed clients response and documentation to support bonus income has been provided. 		7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO of XXX exceeds minimum guideline of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $448,885.30 or 109 months which exceeds guideline of 6 months.
0346404048 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE is dated XXX which is >XXX days from Note date of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying FICO of XXX exceeds minimum guideline of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $448,885.30 or 109 months which exceeds guideline of 6 months.
0347742930 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No A cure has been provided in the amount of XXX; however, a tolerance remains in the amount of XXX for the recording fees. Please provide a COC for the increase in fees or a copy of a refund check in the amount of XXX. 7.20.18 - Client responded. Agree. Recording fees increased from XXX to XXX for an over tolerance amount of XXX. A cure in the amount of XXX was provided at closing and is part of the Lender Credit in section XXX; however, this is insufficient and the borrower would be due an additional refund in the amount of XXX to cure the ten percent over tolerance. Consumers were sent a corrected CD and correspondence advising loan principal was reduced XXX on XXX. Copy of correspondence and corrected CD is attached.
7.20.18 - XXX has reviewed clients response and letter to borrower as well as Post Close CD provided to reflect principal balance credit or XXX to meet required tolerance cure. 		7.20.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 60.01 months reserves. 12 months reserves required for this program.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX. Minimum credit score for this program is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX. Max DTI for this program is XXX.
0348213768 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  All accts. paid as agreed

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

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX days as reported on credit
0349389618 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX, Min XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 48.61 months reserves.12 months required.
0349765467 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $214,892.47 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement XXX
0350933991 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 45 months of reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX by   XXX points.
0351041115 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $188,539.50 or 52.60 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0351358753 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below maximum per guidelines of XXX%.
0353621792 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO of XXX is XXX points greater than the required FICO of XXX.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is over XXX point less than maximum DTI at XXX%.
0356004782 XXXXXX HI QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job for XX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job for XXX years
0356621124 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Open tradelines requirement is XXX; Borrower has XXX open tradelines. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $119,985.51 or 53.48 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0356876357 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has stable employment history - XXX years within his industry.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit with Fico score of XXX.
0358089147 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0358227464 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $134,573.56 or 23.09 months PITIA, guidelines required 9 months PITIA.
0359019937 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0359455693 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing written list of service providers (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked XXX years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of XXX exceeded the guideline requirement of XXX by XXX points.
0359603213 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement of XXX%.  Borrowers has DTI of XXX%
0361100646 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender exception: Borrower is involved in lawsuit due to a car accident, lender provided attorney letter stating lawsuit settled. Compensating factors: B1 employed over XXX years, CB employed over XXX years, good credit profile (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 55.97 PITI months reserves
0362129802 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $115,918.83.  Reserves required of $39,958.56 (12 x $3,329.88).  $71,379.87 remaining reserves after funds to close.
0363307697 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $ 117,480.12 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI below guideline requirement.
0364125587 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B B B C A A A C B B B C B A A Credit Credit/Mtg History Active B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Per UW decision summary in file the lender approved an exception to guidelines for "multiple financed properties" is more than XXX(total is XXX. With DTI less than XXX, excellent mortgage history for past XXX years, mid fico XXX, willingness to repay and reserves exception is non material (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $201,121.26.  Reserves required of $54,244.32(12 x $4,520.36).  $762,958.02  remaining reserves after funds to close.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at current residence for XXX years.
0364125587 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C B B B C A A A C B B B C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $201,121.26.  Reserves required of $54,244.32(12 x $4,520.36).  $762,958.02  remaining reserves after funds to close.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been living at current residence for XXX years.
0364196738 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Median income score for borrowers is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing reserves of $336,519.81.
0364678382 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0365564518 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at same property for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are  $157,863.12, or over 35 months PITI.
0367424726 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $XXX and  Field: Clayton Calculation, Value listed as $XXX. Difference is POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been on her job for XXX year, longevity and stability shown

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guides at XXX shows good remaining income ability to repay
0367424726 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -XXX. Should be disclosed as a Positive number. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been on her job for XXX year, longevity and stability shown

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guides at XXX shows good remaining income ability to repay
0367424726 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Copy of VOE in file is dated XXX; Note is dated XXX which is more than XXX days (XXX days excluding XXX) (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been on her job for XXX year, longevity and stability shown

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guides at XXX shows good remaining income ability to repay
0367470668 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX - Calculating Cash to Close,  Closing Costs Financed - Final, Value: -XXX
CD: XXX - Calculating Cash to Close, Review Calculation, Value: XXX. Difference is POC of $XXX.		 (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $536,033.36 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0367470668 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No CD: XXX [Last CD],  Calculating Cash to Close,  Closing Costs Financed - Final, Value: -XXX
Value should not be a negative number. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $536,033.36 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0367470668 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE],  Calculating Cash To Close,  Estimated Closing Costs Financed (Paid from your Loan Amount), Value: negative XXX. Value for Closing Costs should be expressed as a positive number. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $536,033.36 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0368149995 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX,  Summaries of Transactions, Adjustments and Other Credits Calculation is listed as ($XXX) and Calculating Cash to Close, Adjustments and Other Credits – Final is listed at $XXX. Difference is Section L Line XXX Credit for POCS was calculated into the seller credit under the Calculating Cash to Close table and should be included in the Adjustments and Credits portion as its listed under Section L Other Credits. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. Below

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $75,721.52 or 17.94 months PITIA, guidelines required 9 months PITIA.
0368149995 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4295 TRID - CD: The Seller Credit stated in the CD Calculating Cash to Close section does not match the Seller Credit stated in the CD Summaries of Transactions section No CD: XXX,  Calculating Cash to Close, Seller Credits – Final is listed at -$XXX and Summaries of Transactions, Seller Credit, Value is listed at $XXX. Section L Line XXX Credit for POCS was calculated into the Seller Credit for Calculating Cash to Close table and should have been included in Adjustments and Credits as it is listed under Other Credits Section L. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX. Below

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $75,721.52 or 17.94 months PITIA, guidelines required 9 months PITIA.
0368346743 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $82037.08. Reserves required are $75807.12. XXX account was not included due to partial liquidation into XXX account.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a FICO score of XXX.
0368633683 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $0.  Reserves required of $38,752.32 (12 x $3,229.36).  $75,663.38 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0370184520 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum per guidelines of XXX.

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

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Co-borrower and primary wage earner has been XXX employed in current company for XXX years.
0370237469 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed XXX years with XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 75,832 in reserves, borrower needs 12 mo PITI or $43,381.80 in reserves
0371040414 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD XXX: Calculation Cash to Close; Section cash to close LE total of $XXX does not match Clayton calculation total of $XXX.

cd XXX: Calculation Cash to Close; Section  cash to close LE total of $XXX does not match Clayton calculation total of $XXX.

Adjustments and Other Credits were entered in as a positive number and should be negative. 		(No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum XXX% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0372382648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4238 TRID - CD: The CD Calculating Cash to Close CD column total does not equal its component parts No CD XXX: Section Calculation Cash to Close Cash to Close total Value XXX does not match the total system calculation of $ XXX. The difference is $XXX. This is due to the Deposit being shown as a positive number and should be negative. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid Fico is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0372382648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4254 TRID - CD: The Deposit value in the Final column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number No  CD XXX: Section calculation cash to close field  Deposit for $XXX was entered as a positive number. Exception satisfied and corrected on subsequent CD XXX.Exception Satisfied. (No Data) Exception satisfied. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid Fico is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0372382648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4377 TRID - CD: Closing Disclosure contains conflicting loan attributes No Final CD: XXX [Last CD], Section: Loan Disclosures, Field: Demand Feature, Value was not checked. Exception corrected in subsequent CD XXX. Exception satisfied. (No Data) Exception satisfied. Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid Fico is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0372382648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has only XXX open/rated trade lines; guideline requires XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid Fico is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0373185964 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $107,354.49 or 34.54 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0373277495 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing document to validate payment for new HELOC. 9.24.18 - Client responded. XXX Account Agreement and Disclosure Statement attached to confirm/validate terms and payment calculation for HELOC. The qualified amortized payment was $XXX for the $XXX HELOC.
9.24.18 - Clayton has reviewed clients response and documents to support the HELOC payment provided. 		9.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Approved DTI of XXX%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX%.
0373277495 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX Calculating Cash to Close, Closing Costs Financed is listed as $XXX and Calculating Cash to Close, Per review equals $XXX. Difference of $XXX is POC charges. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Approved DTI of XXX%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX%.
0373277495 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Lender exception for cash reserves due to liquid reserves not enough after covering XXX balance. Compensating factors are low LTV & DTI. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Approved DTI of XXX%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX%.
0373277495 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B C B A A D B D B C B A A D B Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Settlement Statement provided to reflect HELOC of $XXX but nothing in file to confirm actual HELOC payment. 9.24.18 - Client responded. XXX Account Agreement and Disclosure Statement attached to confirm/validate terms and payment calculation for HELOC. The qualified amortized payment was $XXX for the $XXX HELOC.
9.24.18 - Clayton has reviewed clients response and documents to support the HELOC payment provided. 		9.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Approved DTI of XXX%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX%.
0374880185 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0375818181 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV is XXX%.  Actual  LTV is XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post-closing assets in the amount of $131506.61, which is 22.94 months of PITI.
0376770360 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $162,455.70 or 24.25 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0379152962 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX, XXX% allowed

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX, LTV allowed XXX%
0380979771 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No Missing State Specific:  XXX Counseling Notice (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for XXX years XXX month stable employment history

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX% which is below guideline requirement of XXX%
0382131248 XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file No Final CD XXX and Post CD XXX. Calculating Cash to Close Section Adjustments and Other Credit Field. No reason was provided as to why did this change 9.19.18 - Client responded.  Agree the explanation for the change in Adjustments and Other Credits was missing.  However, this defect is considered a non-numerical clerical error by XXX Compliance Testing team. Non-numerical clerical errors are not considered significant or material defects and are not required to be remediated.
9.19.18 - Clayton has reviewed clients response and agrees this is a Non-numerical error and non material. 		9.19.18 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $479,279 in reserves, borrower only needs $34,712.52

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan closed at XXX LTV, XXX% LTV allowed
0382809856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID5019 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD's Dated XXX and XXX both reflect Home Warranty fees in the Other Costs -  Section (H).  The "Optional" designation was not included.   (No Data) (No Data) Non-Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.
0382809856 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.2.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.13.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.13.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.
0383092811 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0383510630 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $119,167.48.  Reserves required of $43,421.40(12 x $3,618.45).  $95,780.50 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0384539096 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines for 12 months.  Borrower has 41 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX.  Borrower has XXX score
0384899216 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $406,982.59.  Final CD reflects required funds to close, $112,919.25.  Evidence the $18,000.00 earnest money deposit reflected on Final CD was not located in file. Deducted from available assets to determine post close reserves. Guidelines require reserves or $51,384.15.  Post close reserves $224,679.19.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.
0385232470 XXXXXX ID QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 24 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.
0385232470 XXXXXX ID QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4284 TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: - Seller Credits, Value: -XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Seller Credits - Loan Estimate, Value: XXX. Values in Calculating Cash to Close LE Column for Seller credit do not match from CD to Final LE. 		(No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 24 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4240 TRID - CD: The CD Calculating Cash to Close LE column (Alternative Version) total does not equal its component parts No Data input is correct per CD XXX. "Total Closing Costs (J)" and "Total Payoffs and Payments (K)" are shown as positive numbers. If they were negative numbers, then the "Cash to Close" would be correct. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4262 TRID - CD: The Total Closing Costs (J) value in the  LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number No Data input is correct per CD XXX. "Total Closing Costs (J)" and "Total Payoffs and Payments (K)" are shown as positive numbers. If they were negative numbers, then the "Cash to Close" would be correct. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different ($XXX) from the value disclosed on the last LE ($XXX). (No Data) (No Data) Non-Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different ($XXX) from the value disclosed on the last LE ($XXX). (No Data) (No Data) Non-Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No Per CD XXX and CD XXX, the stated Closing Costs Financed (Paid from Your Loan Amount) includes the amount paid before closing ($XXX). (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Other Costs Section Not properly formatted CD XXX, XXX, XXX & XXX.
Section E Taxes and Other Government Fees Line XXX Recording Fees is $XXX Breakdown only shows Mortgage $XXX.
Section F Prepaids Line 04 Property Taxes has (XXX) instead of the dollar amount for monthly taxes.		 (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4376 TRID - CD: The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number No CD XXX: The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number. ($XXX) (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0386496006 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Data input is correct per LE XXX and CD XXX. This is corrected on the Post close CD dated XXX. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 14.66 months
0388419822 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Right of Rescission: Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. Regulation Z designates the H9 rescission form as the form designed for same-lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a ‘substantially similar notice.’ Clayton’s view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the ‘substantially similar notice’ argument.  The majority of XXX Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; however, since the XXX Circuit decided that the H-8 is not appropriate notice, Clayton grades the use of an H8 form in a same-lender refinance in XXX states as material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years job XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX Rep score exceeds guideline minimum requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $134,277.44 or 37.7 months (12 months required).

0388419822 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Application Active B B B B CRDAPP2418 Ownership history inaccurate / incomplete No Lender approved an exception where the  borrower not obligated on existing loan being refinanced offsets Long term Employment with current employer greater than XXX years LTV XXX% vs max LTV XXX% Minimal credit user. Non Material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years job XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX Rep score exceeds guideline minimum requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $134,277.44 or 37.7 months (12 months required).

0388567827 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrower are XXX with stable employment history.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit with XXX delinquencies.
0389824040 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is below maximum allowed per guidelines of XXX%.
0390729866 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $135,300.33.  Reserves required of $41,913.72 (12 x $3,492.81).  $581,3333.38 remaining reserves after funds to close.
0390825297 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No Last CD Issued XXX. Seller Address for the Additional Seller is missing on the CD Addendum. Corrected on PC CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $133,008.15.  Reserves required of $41,737.32(12 x $3,478.11).  $148,444.83  remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0390825297 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized. Corrected on XXX CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $133,008.15.  Reserves required of $41,737.32(12 x $3,478.11).  $148,444.83  remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0392953550 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified more assets then request.  Large reserves

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX year in the XXXXXXX.
0393295272 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0393500259 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit scoreXXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $333,387.55.  Final CD reflects required funds to close, $179,313.36.  Guidelines require reserves of $45,696.60.  Post close reserves $108,377.59.
0393553348 XXXXXX MO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Homeowners counseling organizations list not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Cash Reserves in the amount of $653,468.75; Subject PITI is $5,759.58; REO PITI is $2,293.00; 81.15 months PITI in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.
0393553348 XXXXXX MO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers was not provided (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post Cash Reserves in the amount of $653,468.75; Subject PITI is $5,759.58; REO PITI is $2,293.00; 81.15 months PITI in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.
0394032852 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $91,911.17 which is 25.63 months of PITI. Only requires 12 months [$3586.74x 3= $43,040.88].

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0394744907 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $188,995.00 in reserves. Borrower needs $56,087.40

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score was XXX, Min score allowed XXX.
0397861607 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $255,171.44 or 64.07 months which exceeds the minimum required guideline of 6 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrowers current primary is pending sale. Credit report shows XXX months reviewed with zero lates.
0398169158 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0399366941 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No Files is missing XXX Counseling Notice from file. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX; minimum credit score is XXX.
0399878188 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0401045811 XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Lender exception for XXX credit score below XXX score requirement.
Comp factors:  With current employer, XXX for XXX years; strong residual income.  Borrower has demonstrated ability to save.		 (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX year employment stability

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX year time in profession
0401462979 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0401877363 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO of XXX is XXX points greater than the minimum required FICO of XXX.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is over XXX points below the maximum DTI at XXX%.
0401979293 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0401981444 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure was not provided in the supporting documents in the file (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower needs 48,178.08 in reserves, borrower has $91,471.97

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV allowed XXX%, loan closed at XXX%
0401981444 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX, other Costs Section E missing recording amount fee.
Subsequent Final CD XXX corrected error. 		(No Data) Exception satisfied. Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower needs 48,178.08 in reserves, borrower has $91,471.97

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV allowed XXX%, loan closed at XXX%
0401981444 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 9.11.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.11.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower needs 48,178.08 in reserves, borrower has $91,471.97

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV allowed XXX%, loan closed at XXX%
0402060669 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in prior residence for XXX yrs.
0402117255 XXXXXX OR QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Expiration date on ROR is XXX, disbursement date on CD is XXX which is before end of statutory rescission period. Requires PCCD, LOX, proof of delivery and New XXX to all entitled to rescind to  re-open rescission. 7.24.18 - Client responded. Agree  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX. sent to the consumers is required to cure defect.  Remediation in process XXX. 7.24.18 - Exception remains.
8.1.18 - Client responded.  Attached is the updated closing disclosure that was sent to the borrower.
8.1.18 - Clayton has reviewed clients response and XXX provided to correct error. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum XXX% guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below maximum XXX% guideline
0402213148 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Per UW Decision Summary Form the lender approved an exception to guidelines for XXX requirements: Investor Concentration XXX%; One entity owning more than XXX% (XXX%) and Post closing Reserves less than XXX months shortage. With strong equity (from pending sale of primary XXX resulting in lowered DTI approx.XXX%); excellent credit history and low revolving debt this is non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX credit score exceeds XXX minimum score requirement
0409169662 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0410756764 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $1,239,256.29 which is 311.78 months of PITI. Only requires 12 months [$3974.72 x 12= $47,696.64].

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0412797289 XXXXXX NM QM: Safe Harbor QM: Safe Harbor B A B A A A A A B A B A A A A A Credit DTI Satisfied B A B A CRDDTI105 Debt Ratio Exception 5% or Less No Lender approved DTI XXX%. Clayton calculated income B1 $XXX. Subject PITI $XXX + Non Subject $XXX + Other $XXX = $XXX/XXX = XXX% DTI. Over XXX% DTI. 9.7.18 - Client responded. DTI less than XX% and QM. Using Clayton's calculated income of $XXX DTI = XXX%. Subject PITI $XXX + Non-Subject $XXX + Other $XXX = $XXX/XXX = XXX% DTI. Taxes and insurance for non-subject property escrowed (PITI $XXX), see attached.
9.7.18 - Clayton has reviewed clients response and provided document confirms non subject PITI of $XXX and DTI now XXX%. 		9.7.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as a XXX for XXX years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower has high potential for increased earnings per verification of employment his  annual income will be increasing from $XXX to $XXX plus quarterly bonuses.
0413937573 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 88.37 month PITI reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession for XXX yrs.
0414546299 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum XXX% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0415330987 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.20.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.
0415508042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing additional asset documentation for XXX retirement income. 8.17.18 - Client responded. Asset documentation for XXX retirement income was sufficient. Monthly distributions (account withdrawals) are $XXX. See XXX  statement(s) to reflect $XXX monthly withdrawals and a vested balance of $XXX as of XXX. * XXX Retirement is the service provider.   
8.17.18 - Clayton has reviewed clients response and XXX Statement provided verifies amount withdrawn and assets to cover minimum XXX years. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence for XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%
0415508042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence for XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%
0415508042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -XXX,this is disclose as a negative amount, should be positive. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence for XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%
0415508042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No 1. Income sources that may have a finite period of receipt such as the income types listed below must have a continuation period of at least five years. The continuance requirement may be reduced to three years if this income source contributes XXX% or less of the qualifying . (XXX/XXX).  Borrower has XXX months of income in XXX account and it accounts for XXX% of current income. Additional XXX months of  assets need to qualify monthly amount $XXX.

2. XXX Retirement- no balance or award letter provided to document continuation of XXX years.		 8.17.18 - Client responded. Asset documentation for monthly pension benefit in the amount of $XXX was sufficient per lender guidelines. No additional assets were required. Recent pension statement XXX and XXX 1099's attached.
8.17.18 - Clayton has reviewed clients response and pension statements provided support income used. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence for XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements pf XXX%.  Currently LTV XXX%
0415869528 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%
0416231570 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing from loan file. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is less than maximum allowed per guidelines of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years and XXX has been in current profession for XXX years.
0416231570 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD dated XXX- Loan Costs- Section B- Survey Fee is missing the payee name. (Listed as XXX). Corrected on Last CD dated XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is less than maximum allowed per guidelines of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years and XXX has been in current profession for XXX years.
0416516823 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX Closing costs financed (Paid from your loan amount) $XXX does not match Clayton calculation of $XXX. Difference is POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the subject residence for over XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Subject transaction LTV XXX%
0416516823 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.5.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the subject residence for over XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Subject transaction LTV XXX%
0418693037 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over XXX years on current job

CFCFS2860: Good credit history
- Clayton Comments:  No lates indicated on credit report

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Excellent mortgage history XXX months
0419567338 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $43,162.87 or 10.32 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower in same profession XXX years
0421643466 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $93,880.96.  Reserves required of $40,040.10 per feedback certification. $135,707.42  remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0421825371 XXXXXX OH QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Lender exception for Credit score XXX below minimum XXX score requirement. Compensating factors include limited revolving debt, Low DTI of XXX% and reserves almost XXX times what is required. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX year employment stability
0421851165 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Originator name on Note is XXX; Name on NMLS is XXX (XXX) XXX. No other variations were shown. 7.23.18 - Client responded. The online NMLS Database (XXX) for NMLS ID XXX confirms XXX uses the additional name XXX (XXX) XXX. NMLS document attached.
7.23.18 - Clayton has reviewed clients response and document provided reflects originator alias as XXX. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV Of XXX% is below guideline maximum of XXX%.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of XXX.
0421853503 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX exceeds guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $282,918.43.  Final CD reflects required funds to close, $182,783.76.  Guidelines require reserves or $43,185.15. Post close reserves $56,949.52.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have XXX years same line of work.
0422177136 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  XXX months XXX

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years on job
0423671663 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $453.369.23 or 121 months which exceeds guideline requirement of 12 months.
0423882935 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No Closing Disclosure issued XXX: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX &
Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. CD does not reflect an amount for Closing Costs Financed (Paid from your loan amount). 		(No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX%
0423882935 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No Closing Disclosure issued XXX:  Other Disclosures Section for Field: Loan Acceptance, Value: No & Field: Is the Confirm Receipt section present?, Value: No. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX%
0424472077 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $43,066.50 or 13 months PITI reserves, which is more than required reserves of  $28,888.74.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has  significant time in profession of XXXXXXX for XXX years.
0425033792 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  both borrower credit score of XXX and XXX exceed the max XXX for program

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrowers have been XXX employed for over XXX years in the same business.
0425146942 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0425736098 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A B A C B C B A A B A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No CD’s reflect Tax Service fee of $XXX moved from Section C fees to Section A fees and no XXX provided. Requires corrected XXX, Copy of refund check, LOX and verification of shipping. 7.25.18 - Client responded. Disagree. Notification Start Date is XXX. Loans with Notification Start Date prior to XXX will disclose the Tax Service fee in Section C of the CD. This was corrected after the XX/XX/XXXX release. The Tax Service fee is held to XXX% regardless if the borrower shopped for the service or not; therefore, the fee did not increase.  This is not a testing defect so no corrective action is required.
7.25.18 - Clayton has reviewed clients response and per the Clayton Compliance department since the fee itself never increased and was only moved from section C to A and client has provided information to a system related issue at that time this is considered non-material based on the explanation.		 7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%.
0425736098 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B A A B A C B C B A A B A C B Property Valuations FEMA Satisfied B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No XXX Public XXX Storm, Flooding, Landslides, and Mudslides XXX Storm, Flooding, Landslides, and Mudslides XXX missing subsequent inspection. 7.23.18 -  Property Inspection received and reflects no property damage. 7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%.
0427201011 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX  with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in profession as XXX for XXX years.
0427294717 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $630,622.74 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0427743697 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX
CD: XXX, Calculating Cash to Close, Clayton Calculation, Value: XXX
Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post- closing assets in the amount of $155,705.23, which is 29.78 months of PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DIT per guidelines is XXX%.  Actual DTI is XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score per guidelines is XXX.  Qualifying credit score is XXX.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV per guidelines is XXX%.  Actual LTV is XXX%.
0427743697 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Cash out of $XXX exceeds maximum allowed. Client Exception for cash out of (payoff installment loan of $XXX with $XXX actual cash in hand).
Comp factors:  High residual income; substantial down payment from borrowers own funds and long term employment.		 (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post- closing assets in the amount of $155,705.23, which is 29.78 months of PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DIT per guidelines is XXX%.  Actual DTI is XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score per guidelines is XXX.  Qualifying credit score is XXX.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV per guidelines is XXX%.  Actual LTV is XXX%.
0427841557 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Lender Exception for short XXX allowing XXX months $XXX. Compensating Factors: Excellent credit history, banking relationship with XXX, both borrowers have stable employment with strong residual income. Borrowers putting down additional XXX%, bank statement demonstrate the borrowers have a savings history with monthly deposits, conservative revolving credit users. Non Material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower job XXX of XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has XXX years job XXX.
0431123640 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance APR Tolerance Satisfied B A B A CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No No CD provided in file. Additional Conditions may apply. 8.10.18 - Client responded. Initial and final CD provided.
8.10.18 - Clayton has reviewed clients response and both CD's provided as required. 		8.10.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX has XXX years same line of work.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.
0431123640 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3496 TRID - Closing Disclosure Missing No File only contains copy of seller CD; missing copies of all CD's (borrower)- additional conditions may apply upon receipt 8.8.18 - Client responded. CD attached.
8.8.18 - Clayton has reviewed clients response and CD provided is a final CD dated XXX with Closing date of XXX and Disbursement date of XXX. Disclosure Data Master sheet reflects an Initial CD dated XXX was emailed to client. We need the initial CD as XXX. Final CD provided not input at this time as that would fire additional exception for consummation issues. 8.8.18 - Exception remains.
8.10.18 - Client responded. Initial CD provided.
8.10.18 - Clayton has reviewed clients response and initial as well as final CD provided. 		8.10.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower XXX has XXX years same line of work.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.
0431564958 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No ATR/QM status pending:  Per email from B1 dated XXX, borrower states $XXX large deposit made on XXX into XXX#XXX was from an XXX distribution. Returns provided do not reflect any distributions for that amount.  Document a copy of the $XXX check and provide a copy of K1's for both XXX and XXX showing borrowers vested interest in business. If more than XXX% ownership, provide a copy of business returns. 8.8.18 - Client responded. Per subsequent email from borrower dated XXX, the $XXX deposit was given after the sale of their prior residence. Property was purchased by borrower's XXX and they wanted to record a lower sell price for tax reasons; gifts were made to make up the difference in the recorded sell price and agreed upon sell price.   Two checks were given from XXX (borrower's XXX) for $XXX and $XXX dated XXX. XXX and XXX K-1s were provided for XXX reflecting borrower's ownership interest <XXX%.  See attached email, copies of checks, settlement statement from prior residence, and XXX and XXX K-1s.
8.8.18 - Clayton has reviewed clients response and provided documentation supports funds of $XXX and distribution of those funds. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower employed XXX plus years with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  Credit history both mortgage and consumer debt satisfactory w/no lates
0431564958 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Per email from B1 dated XXX, borrower states $XXX large deposit made on XXX into XXX #XXX was from an XXX distribution. Returns provided do not reflect any distributions for that amount.  Document a copy of the $XXX check and provide a copy of K1's for both XXX and XXX showing borrowers vested interest in business. If more than XXX% ownership, provide a copy of business returns. 8.8.18 - Client responded. Per subsequent email from borrower dated XXX, the $XXX deposit was given after the sale of their prior residence. Property was purchased by borrower's XXX and they wanted to record a lower sell price for tax reasons; gifts were made to make up the difference in the recorded sell price and agreed upon sell price.   Two checks were given from XXX (borrower's XXX) for $XXX and $XXX dated 12/19/2017.  2015 and 2016 K-1s were provided for XXX reflecting borrower's ownership interest < XXX%.  See attached email, copies of checks, settlement statement from prior residence, and XXXX and XXX K-1s.
8.8.18 - Clayton has reviewed clients response and provided documentation supports funds of $XXX and distribution of those funds. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower employed XXX plus years with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  Credit history both mortgage and consumer debt satisfactory w/no lates
0431807538 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD: XXX [Last CD] and CD: XXX, Section: Other Fees, Optional Designation is Required but is missing. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $371,004.17 verified cash reserves exceed guidelines.
0431965661 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Verbal verification in file for co-borrower is not within XXX days of Note date per guidelines requirement. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co Borrower has been on XXX job for the XXX years, stable established work history

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has strong establish credit history , credit is not over used
0432139645 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min is XXX

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. review on credit with XXX days.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  minimum required = 12 mos. PITIA. Verified post close reserves of 85.18 mos.
0433868528 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $1,342,627.34, after closing cost assets are $677,988.30 [128.07 months PITI].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.
0434059460 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD: XXX [Last CD], Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the Home Warranty paid by the borrower is not designated as Optional. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $246,484.52 or 41 months which exceeds minimum required per guidelines of 12 months.
0434059460 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted?, Value: No. Section B. Employment Verification Fee is missing the Payee, says XXX. Corrected on CD Issued XXX. Exception Satisfied (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $246,484.52 or 41 months which exceeds minimum required per guidelines of 12 months.
0434878811 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 9.20.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  The borrowers have $XXX in reserves, borrowers need $XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Maximum LTV allowed is XXX%, loan closed at XXX%
0436451677 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; Max XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid Fico is XXX
0436566600 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No All CDs : Section Other Cost; E. Taxes and other Government Fees-Natural Hazard Fee of $XXX should be in section H. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession XXX for XXX years.
0436566600 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal verification of employment within XXX days of Note date. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession XXX for XXX years.
0437178654 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD disbursement date XXX. ROR hand written date of receipt XXX and recession date midnight of XXX. 8.24.18 - Client responded. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is  XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation in progress XXX.
8.24.18 - Exception remains.
9.6.18 - Client responded. Providing copy of updated CD that was sent to the customer.
9.6.18 - Clayton has reviewed and PCCD and reflects Disbursement Date of XXX satisfying exception. 		9.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for the past XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 49 months  in reserves which exceed guidelines requirements.
0437178654 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Terms/Guidelines Active B B B B CRDTER3124 Loan documents do not meet guideline requirements No Lender exception for Conventional Non Conforming/Rate and Term/Owner Occupied/XXX LTV/XXX CLTV/Interest Rate XXX/Product is a Fully Amortized XXX year XXX No Program/Total XXX Aggregate: $XXX. Exception made for borrower with No Homeownership Mortgage Experience. Primary Residence for Disabled XXX/XXX, no current housing history.  Compensating Factors: Exceeds minimum requirements,XX  times liquid reserves, transitional from ARM to Fixed Rate.
Lender exception for Rate/Term Refi when Borrower is not obligated on existing loan being refinanced.  The Property in the name of the borrower and his XXX. Borrower was added to Title on XXX. Non material. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on job for the past XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over 49 months  in reserves which exceed guidelines requirements.
0437556392 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A B A A A D A D A B A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No The loan file is missing documents (verification of XXX) to complete the ATR/QM review and render an accurate ATR/QM status. 8.14.18 - Client responded. Verification of XXX attached (XXX documents).
8.14.18 - Clayton has reviewed clients response and verification of XXX provided as required. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is over XXX points less than maximum DTI of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 18 months exceeds minimum requirement of 9 months per the lender's AUS findings.
0437556392 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A B A A A D A D A B A A A D A Credit Income/Employment Satisfied B A B A CRDINC2488 Verbal verification of employment missing No Under borrower correspondence we have verification that XXX is no longer in existence. But, the loan file is missing third-party verification of XXX employment (XXX) for B1 and B2 8.14.18 - Client responded. Verification of XXX attached (2 documents).
8.14.18 - Clayton has reviewed clients response and verification of XXX provided as required. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is over XXX points less than maximum DTI of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 18 months exceeds minimum requirement of 9 months per the lender's AUS findings.
0439289410 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D A B B D B B B D A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX, Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  max is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min per guides is XXX

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. mtg. history reported  on credit report w/ XXX days.
0439289410 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D A B B D B B B D A B B Credit Assets Active B B B B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Required reserves per guides = X.XX mos. PITIA. Verified X.XX mos.  Currently short X.XX+AG783 mos. post close reserves. 7.17.18 - Client responded. "LVAM approved exception - Post close liquidity requirement. Exception approved under the PCO delegated authority. Calculated reserves $XXXXX / PITIA $XXXXX - verified X.XX mos, currently short X.XX mos post close reserves.  
7.17.18 - Clayton has reviewed clients response and agrees non-material. 		7.17.18 - Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  max is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min per guides is XXX

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. mtg. history reported  on credit report w/ XXX days.
0439289410 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B B B D A B B D B B B D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value of XXX 7.18.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.18.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  max is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min per guides is XXX

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. mtg. history reported  on credit report w/ XXX days.
0439383560 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0440659073 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0441420471 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0442157521 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.
0444424271 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0445057912 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0448992775 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  The actual DTI at XXX% is over XXX points lower than the max DTI allowed at XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of 27 months exceed minimum reserve requirement of 9 months.
0449513179 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is $XXX and  Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: XXX. Values does not match. Includes the Payoff of Mortgage to XXX of $XXX which should be listed under Adjustments line 5.   (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment in industry.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV at XXX significantly lower than max LTV
0449981518 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement
0450081479 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $182,834.77 or 36.02 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0450092822 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0451343428 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Lender exception for no VOR/VOM. Compensating factors include low LTV, high qualifying credit score, reserves twice what is required and low usage of credit lines.   (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score XXX.
0452384845 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Current open mortgage payment history is for XXX months when XXX months are required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $110,079.21 in post-closing reserves, which is $73,451.26 more than the guideline required amount of $36,627.95, or 36 months in reserves
0454206648 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0455502093 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $397,268.28 verified cash reserves exceed guidelines.
0456693756 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Per XXX Feedback Certificate: Non XXX Citizen Visa Type: Non-perm Resident Alien, ineligible for Renovation loan. Non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.
0456693756 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Completion certificate has incorrect date for the original appraisal. The Original appraisal was XXX.  Appraisal Update/Completion Report shows XXX. 7.20.18 - Client responded. See attached Notice of Completion with the corrected Original appraisal XXX. 7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.
0456693756 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B B B D A A A D B B B D A A A Property Valuations FEMA Satisfied B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No No inspection since the XXX Disaster- Severe Winter Storm and Snowstorm Severe Winter Storm and Snowstorm XXX 7.30.18 - Property Inspection received and indicates no damage. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.
0457615209 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $756,483.21.  Final CD reflects required funds to close, $237,838.14. Evidence the $15,000.00 earnest money deposit reflected on Final CD was not located in file.  Deducted from available assets to determine post close reserves. Guidelines require reserves of $32,312.25.  Post close reserves $471,332.82.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX% below program requirement of XXX%.
0460117539 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR expiration date XXX, CD disbursement date XXX the expiration date on the CD cannot be the same date as the ROR expiration date. Please provide a post close CD with a disbursement date of XXX. 8.6.18 - Client response. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect.  Remediation request sent to XXX. 8.6.18 - Exception remains.
8.20.18 - Client responded. Providing remediation document - copy of updated CD sent to borrower.
8.20.28 - Clayton has reviewed clients response and corrected CD provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXX with XXX late

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 178.79 month PITI cash reserves $620,579.73


CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0460117539 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXX with XXX late

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 178.79 month PITI cash reserves $620,579.73


CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0460117539 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Per Underwriting Decision Summary: Lender exception: XXX months tracking and only used XXX month from retirement savings. Exception approved  borrower has long time with employer and increased earning  and not using all income to qualify. (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXX with XXX late

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 178.79 month PITI cash reserves $620,579.73


CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0461098046 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 100 months of reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX.  Current score XXX
0461254795 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked at his present job XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post closing reserves of $1,540,609.15.
0463023182 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX%

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

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years current profession
0467711331 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0468476932 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation
closing costs XXX - XXX (POC) = XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Credit report confirms no late payments in the last XXX months.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  XXXXXXX has significant W2 income that was not used for qualifying.
0468740749 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Co- borrower has significant time in profession as XXX for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been at current job for the past XXX years and XXX  months.
0469435394 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower also gets XXX income that we are not using for qualifying but only for compensating factor.

CFCFS2860: Good credit history
- Clayton Comments:  borrower has exceptional credit payment history
0469753741 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0471780946 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0472559526 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX months employment stability

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum XXX% guideline
0473340582 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance fee increased at or prior to closing without a valid reason or not timely disclosed; refund of $XXX required within XXX days of consummation. Not found on COC spreadsheet. Loan number not found on COC spreadsheet. 7.20.18 - Client responded. Disagree. The $XXX category did not identify specific fees that caused the over tolerance.  Title fees previously listed on the Loan Estimate in the unlimited category moved to the ten percent category on Borrower Closing Disclosure and Final Closing Disclosure, reducing the previously disclosed title fees on the Loan Estimate from an accumulative total of $XXX to $XXX.  In addition, new Title fees were added for an accumulative total of $XXX.  Combined with the increase of recording fees from $XXX to $XXX, an increase of $XXX, the ten percent category decreased from $XXX to $XXX for a variance reduction of $XXX.  Ten percent threshold passes XXX% tolerance test.
7.20.18 - Clayton has reviewed clients response and adjusted data input with the clarification. Passes XXX% tolerance test. 		7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX.  Min XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves $208,500.73; 31.05 months PITI. Guidelines require12 months.
0476259843 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Primary borrower has two active trade lines. Minimum guideline is 3. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $258,796.14 or 38.70 months which exceed guideline of 6 months.
0477198331 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $265,460.15 or 55.62 months which exceeds minimum required per guidelines of 6 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0478477156 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.
0479293542 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0479929855 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.
0480148531 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has been in the same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0480783967 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No XXX% tolerance of $XXX due to increase in recording fees.  Missing COC or evidence of refund to the borrower. 8.1.18 - Client responded. Disagree. The initial LE disclosed XXX (XXX) disclosed the XXX% baseline as $XXX, and the XXX% fees decreased to $XXX on CD’s (XXX) and (XXX). The LE issued XXX (XXX) was used to compare to the final CD issued XXX (XXX), and all fee categories are within tolerance. The Title-Related fees were referred, and did not exceed the XXX% baseline. This is not a testing defect so no corrective action is required.
8.1.18 - Clayton has reviewed clients response and validated that Transfer Tax that was causing the XXX% tolerance issue was a seller fee and not a borrower fee paid by seller therefore would not be included in the XXX%. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post cash reserves in the amount of $60,200.06.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX
0481090220 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with company for  almost XXX years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with zero lates.
0483402683 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 175,666.77 in reserves, borrower only needed 2 mo piti for reserves

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV allowed is XXX, loan closed at XXX
0484783192 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section F. Property Taxes is missing the Payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX%
0485650397 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.11.18 - A Desk Review was received with a reported value of $XXX0 which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.26.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds guideline minimum of XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $125,500.90 or 38.72 months which exceeds minimum required per guidelines of 6 months.
0486142676 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C B A A C B A A C B A A Property Valuations Property Active C B C B PRVAPROP241 Property Type unacceptable under guidelines No 1. XXX, Mortgagee responsible for > XXX months HOA dues in even of FCL or DIL.
2. Unacceptable Property Type
Compensating Factors: Low risk exception; XXX recommendation was approve and lender NOT responsible for > XXX mos HOA for FCL, only for DIL; project meets all other policy requirements, XXX% LTV, units sell quickly, DIL unlikely.		 8.8.18 - Client responded. LVAM approved exception; XXX - Mortgagee responsible for > XXX mos HOA dues in event of foreclosure or deed in lieu. Exception approved under the XXX delegated authority.
8.8.18 - Clayton has reviewed clients response. This was a lender exception within the file review and based on compensating factors of stable value, demand supply in balance, solid adjustments and under XXX months marketing time this is non-material. 		8.8.18 - Exception remains. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum per guidelines of XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing cash reserves of $405,437.08.
0486498384 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE's dated XXX and XXX NMLS and Contact Information- State Indication is missing from the Lender's and Loan Officer's License ID. Satisfied on the initial CD dated XXX. (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0487734677 XXXXXX CT QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No Missing Mortgage. 7.23.18 - Client responded. Mortgage provided.
7.23.18 - Clayton has reviewed clients response and correct mortgage provided and entered. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $52,829.44 verified cash reserves exceed guidelines.
0488204299 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, is listed as $XXX and review calculated Calculating Cash to Close, Clayton Calculation, equals $XXX. Difference is POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated reserve of $726,528.00 or  120.22 months reserves (12 months required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has job XXX of XXX years.
0488204299 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), is disclosed as a negative number -XXX.  CD issued XXX corrects this error. Exception satisfied. (No Data) Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated reserve of $726,528.00 or  120.22 months reserves (12 months required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has job XXX of XXX years.
0488245550 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Guidelines require Verbal Verification of Employment within XXX days of closing. Borrower and Co Borrower VVOE's dated XXX; Closing date is XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $117,903.54 or 25.82 months PITIA, guidelines required 9 months PITIA.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0490851909 XXXXXX DE QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has stable employment with XXX years on job.

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

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with representative score of XXX.
0491830060 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified cash reserves of $140,673.43 or 32.13 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below guideline requirement of XXX3%.
0491876266 XXXXXX MT QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Homeowner Association dues for XXX in XXX. 7.23.18 - Client responded. Final (executed) 1003 Schedule of REO reflects no homeowner association dues for XXX. No XXX dues disclosed; no recurring payments reflected on bank statements to XXX association (XXX) or property manager (XXX).  * Qualifying ratios XXX / XXX with $XXXX residual income.      
7.23.18 - Clayton has reviewed clients response and although HOA dues are not reflected on final 1003 or any other information in file pertaining to; a letter from borrower or XXX association should have been in file to state no HOA dues for property. Lender is attesting to fact no HOA fees. With this low DTI and borrower residual income issue is immaterial. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $391,597.66 in post-closing reserves;  86.12 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, which is XXX% less than guideline requirement of XXX%
0491876266 XXXXXX MT QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Docs in file support property taxes and HOI for XXX in XXX reflected on final 1003 schedule or REO but nothing in file to confirm if XXX dues apply or not. 7.23.18 - Client responded. Final (executed) 1003 Schedule of REO reflects no homeowner association dues for XXX. No XXX dues disclosed; no recurring payments reflected on bank statements to XXX association (XXX) or property manager (XXX).  * Qualifying ratios XXX / XXX with $XXX residual income.      
7.23.18 - Clayton has reviewed clients response and although HOA dues are not reflected on final 1003 or any other information in file pertaining to; a letter from borrower or XXX association should have been in file to state no HOA dues for property. Lender is attesting to fact no HOA fees. With this low DTI and borrower residual income issue is immaterial. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $391,597.66 in post-closing reserves;  86.12 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, which is XXX% less than guideline requirement of XXX%
0492102086 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender provided exception for use of  business fund being used for closing cost, down payment or reserves. Compensating factors include excellent credit to include XXX mortgages currently being paid on time, limited revolving credit use, income trend increasing and XXX months of reserves. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ; reserves of $284,609.47 or  60 months reserves (12 months required

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job XXX of XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is well below guideline max of XXX%
0492102086 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Credit report reflects XXX open trade- lines for the primary borrower versus the required XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ; reserves of $284,609.47 or  60 months reserves (12 months required

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job XXX of XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is well below guideline max of XXX%
0492588280 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0494992739 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $2,518,533.59 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0495201315 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing all required documentation to calculation Restricted Stock as income.  Missing evidence of the two year average of the stock to determine whether or not current stock price of two years average should be used to qualify. Additionally missing Schedule of Distribution of XXX shares and vesting schedule. 8.20.18 - Client responded. There is documentation in the file that shows the number of shares granted in XXX XXX and XXX YTD. It is noted that it appears as though the borrower received a portion of her XXX grant early (at the time of XXX promotion/XXX shares). The remainder was granted on the normal schedule in XXX. There is also a letter from the XXX Leader that states that the vesting schedule is XXX years. The paystubs from XXX, XXX and ytd shows the actual income amount from vested stocks for this borrower. The letter from XXX clearly states that the stock awards are calculated to ensure compensation for this borrower at XXX minimally. We used much less in qualifying. This XXX historical will show the XXX stock price daily for as far back as XXX years. XXX has printed and uploaded the prices from XXX through XXX. The total stock award for XXX is XXX which is the XXX from the time of the promotion plus the XXX in XXX. If the lowest price in XXX is applies to these XXX shares the income would be XXX share = $XXX. A XXX month average or that amount is $XXX. The client used a much more conservative estimate in their XXX income. They used the XXX share with the value at grant of $XXX/XXX or $XXX. Note that the amount of income through actual vesting is significantly higher.
8.20.18 - Clayton has reviewed clients response and documentation provided to support use of XXX shares and income from. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $502,803.78.  Final CD reflects required funds to close, $177,706.86.  Guidelines required no reserves.  Post close reserves $325,096.92.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0495201315 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Guidelines require the restricted stock price to be determined by using the lower of current stock price or the two year average.  Documentation in file only provided current stock price and a XXX yr. average. Additionally guidelines require Schedule of Distribution of XXX shares and  vesting schedule.  The documentation in file provides a dollar amount for restricted stock however does not supply how many shares were given and does not provide a vesting schedule. Provide documentation to support the two year average with Schedule of Distribution of XXX Shares and vesting schedule for review. 8.20.18 - Client responded. There is documentation in the file that shows the number of shares granted in XXX, XXX and XXX YTD. It is noted that it appears as though the borrower received a portion of her XXX grant early (at the time of XXX promotion/XXX shares). The remainder was granted on the normal schedule in XXX. There is also a letter from the XXX Leader that states that the vesting schedule is XXX years. The paystubs from XXX, XXX and ytd shows the actual income amount from vested stocks for this borrower. The letter from XXX clearly states that the stock awards are calculated to ensure compensation for this borrower at $XXX minimally. We used much less in qualifying. This link XXX historical will show the XXX stock price daily for as far back as XXX years. XXX has printed and uploaded the prices from XXX, XXX through XXX. The total stock award for XXX is XXX which is the XXX from the time of the promotion plus the XXX in XXX. If the lowest price in XXX  is applies to these XXX shares the income would be XXX/share = $XXX. A XXX month average or that amount is $XXX. The client used a much more conservative estimate in their XXX income. They used the XXX share with the value at grant of $XXX/XXX or $XXX. Note that the amount of income through actual vesting is significantly higher.
8.20.18 - Clayton has reviewed clients response and documentation provided to support use of XXX shares and income from. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $502,803.78.  Final CD reflects required funds to close, $177,706.86.  Guidelines required no reserves.  Post close reserves $325,096.92.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0495880308 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Lender exception:  Borr XXX eligible for non penalty withdrawal. Comp factors: Borrower has sufficient reserves. $XXX required, $XXX reserves documented. Credit score is XXX. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in current profession over XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid Score used to qualify XXX
0495888028 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $508,282.68.  Reserves required of $48,432.24 (12 x $4,036.02).  $61,461.33 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0496810511 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing evidence of monthly HOA fee for REO located at XXX. 8.24.18 - Client responded. The 1003 lists the HOA payment for XXX as $XXX/month. Attached are two XXX statements showing borrower making monthly payment of $XXX/mo to XXX, which is the name of the XXX project.
8.24.18 - Clayton has reviewed clients response and documentation provided supports the HOA payment as required. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history with no late payments reported.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post closing reserves of $835,364.84 or 352.94 months subject PITIA reserves; per guidelines, 12 months PITIA is required or $43,437.72.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying score of XXX is XXX points above the minimum required score of XXX.
0496810511 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing evidence of monthly HOA fee for REO located at XXX. 8.24.18 - Client responded. The 1003 lists the HOA payment for XXX as $XXX/month. Attached are two XXX statements showing borrower making monthly payment of $XXX/mo to XXX, which is the name of the XXX project.
8.24.18 - Clayton has reviewed clients response and documentation provided supports the HOA payment as required. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a good credit history with no late payments reported.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post closing reserves of $835,364.84 or 352.94 months subject PITIA reserves; per guidelines, 12 months PITIA is required or $43,437.72.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying score of XXX is XXX points above the minimum required score of XXX.
0499254341 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same job XXX years and same line of work XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0499464974 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX, Calculating Cash to Close section, Closing Costs Financed (Paid from your loan amount) is disclosed as $XXX; however, calculated Closing Costs Financed is $XXX.  Difference of $XXX is the POC charges that should have been deducted from total closing costs to calculate Closing Costs Financed. Provide PCCD with corrections or LOX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  401.94 months reserves

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX days. Paid as agreed
0499464974 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit DTI Active B B B B CRDDTI105 Debt Ratio Exception 5% or Less No DTI XXX%. Max for Cash-out refinance XXX% (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  401.94 months reserves

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX days. Paid as agreed
0501253857 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0501455988 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $125,675.37.  Reserves required of $56,940.18(6 x $4,024.61)+(12x2,732.71).  $272,317.20 remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%
0502684606 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is the POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below maximum XXX% guideline
0503453720 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0503910634 XXXXXX FL QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.11.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.23.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $152,458.99.  Reserves required of $52,981.80(12 x $4,415.15).  $62,113.19  remaining reserves after funds to close.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has more than XXX years in current profession.
0505516651 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [F]: Calculating Cash to Close, Closing Costs Financed - Final, Value of $XXX does not match Clayton Calculation, Value of $XXX. The difference is $XXX which is the Paid Before Closing amount. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XX.XX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.76 months reserves.
0505516651 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX [I]: and CD: XXX [F]: Loan Costs, A-Origination Charges, Line XXX- Lenders Appraisal Review: $XXX & Line XXX-Tax Service: $XXX. Missing payee for Lenders Appraisal Review & Tax service fee. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XX.XX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.76 months reserves.
0505516651 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No UW decision summary form indicates a lender exception was issued for purchase less than XXX day policy. Subject was purchased in XXX for cash and borrowers looking to recoup the proceeds. With low DTI XXX, liquid reserves & job stability of XXX years this is a non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XX.XX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  46.76 months reserves.
0507665120 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job- XXX employed for XXX years and  incorporated XXX.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines by XXX points.  Minimum score XXX
0507942240 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD's XX/XX/XXXX & XX/XX/XXXX Other Costs Section E reflect $XXX Natural hazard Report fee per client and should be in section H and not Included as a recording fee. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $166,366.42.  Reserves required of $56,127.60 (12 x $4,677.30).  $209,178.03 remaining reserves after funds to close.
0507942240 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $XXX ten percent tolerance due to increase in recording fee from $XXX to $XXX on final CD.
Final CD provided $XXX cure leaving a remaining $XXX due to borrower.
Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 		7.30.18 - Client responded. "Disagree. Ten percent baseline on initial LE issued XXX included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on LE issued XXX then to $XXX on initial CD issued XXX. It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of Final CD issued XXX to cure variance in XXX% tolerance category.  This is not a testing defect so no corrective action is required.
7.30.18 - Clayton has reviewed clients response and Master Settlement Statement does reflect fee as stated by client therefore not a XXX% tolerance fee and has been corrected.  		 7.30.18 - Exception satisfied. Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $166,366.42.  Reserves required of $56,127.60 (12 x $4,677.30).  $209,178.03 remaining reserves after funds to close.
0508941774 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. reviewed on credit. XXX days.

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years same profession
0509014970 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS3836: Borrower Net Worth
- Clayton Comments:  additional reserves

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history and scores
0509120301 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS3824: Borrower contributed an additional down payment
- Clayton Comments:  Borrower contributed XXX%  LTV XXX%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current ratios : XXX% max DTI is XXX%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX% LTV, Max LTV XXX%
0509314130 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.1.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for XXX yrs.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.
0509861088 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0510065180 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 8.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing reserves $94,911.26

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid fico XXX
0510526383 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0510823449 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Assets Active C B C B CRDAST115 Cash reserves do not meet guidelines No Per Underwriter Decision Summary: Loan has a lender exception for using business funds for down payment and closing cost and reserves. Underwriter approved allowing  funds being used from a previous Sch C business that was put into an XXX. Compensating factors include low DTI of XXX% and LTV of XXX% . 8.6.18 - Client responded. Lender approved an exception for use of business funds to meet reserve requirements on XXX. Exception was approved due to compensating factors noted.
8.6.18 - Clayton has reviewed clients response and this is a non-material issue therefore the B grade. 		8.6.18 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 170.77 month in PITI cash reserves $644,566.83


CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXXmonth with XXX late.
0510823449 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Insurance coverage is $XXX this is including XXX% ext replacement cost, loan amount $XXX. Insurance company XXX is not one of the company on matrix. 8.6.18 - Client responded. Insurance coverage is sufficient per lender guidelines. Evidence of insurance provided reflects HO-3 Preferred Homeowners form with extended replacement cost coverage on dwelling.  See evidence of insurance attached.
8.6.18 - Clayton has reviewed clients response and provided HOI doc and HO3 endorsement provide required coverage. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 170.77 month in PITI cash reserves $644,566.83


CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXXmonth with XXX late.
0511458781 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession for XXX yrs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a FICO score of XXX.
0511845762 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0512759925 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $352,075.51.  Final CD reflects required funds to close, $125,304.54.  Guidelines require reserves of $33,508.98.  Post close reserves $193,261.99.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has XXX years XXX months in same line of work.  Borrower 2 has XXX years XXX months same line of work.
0512967034 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified 51.74 mos. post close reserves. Meets min. 12 mos. required per guides

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min score requirement  is XXX

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. reviewed on credit report. XXX days.
0514889445 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $161,180.48  or 41  months PITI reserves, which is more than required reserves of  $47,137.20 or 12 months.
0514911547 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0514931933 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD: XXX and Last CD XXX, Section: Other Fees, Field: Optional Designation Required, Value: Yes. However the Home Warranty paid by the borrower is not designated as Optional. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX plus earnest money deposit $XXX.  Earnest money deposit verified by wire however wire was sent after asset statement end dates.  Earnest money was deducted from available reserves.  Guidelines require 12 mo. reserves or $40,927.32.  Post close reserves $190,281.68.
0515694141 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  All accts. are paid as agreed. XXX days

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX%  Max XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post close reserves exceed min. Guideline requirement of 12 mos.
0515741205 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $401,060.50.  Reserves required of $135,019.44 (12 x $11,251.62).  $255,293.10 remaining reserves after funds to close.
0516138331 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.27.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for the past XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job for the past XXX years.
0518123289 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners Counseling Originations List from file. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 42.31 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX
0518123289 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure Missing from file if applicable. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 42.31 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX
0518123289 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B A A D A B B D B A A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.28.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.28.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 42.31 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX
0520881445 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B A A A B A A A B A A A B A A A Property Valuations FEMA Satisfied B A B A PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No XXX Public Severe Storms and Flooding Severe Storms and Flooding, Missing subsequent inspection. 7.30.18 - Property Inspection received and indicates no damage. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%
0522531413 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0522852872 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $108,375.03.  Reserves required of $37,562.04 (12 x $3,130.17).  $521,292.71 remaining reserves after funds to close.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has XXX years at current job.
0524393616 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0525185331 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Both borrowers have additional income on paystubs which is not being used to qualify.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  B1 credit score of XXX exceeds guideline of XXX.
0527140298 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $862,932.43, after closing reserves remaining are $562,760.77 [61.66 months PITI]

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.
0528180734 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0528660580 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX;  Borrowers Credit score exceeds guidelines of XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good Credit History XXX for more than XXX months.
0530401630 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX and XXX for the past XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX for the past XXX years.
0532254220 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $267,273.19 verified cash reserves exceed guidelines.
0537625964 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $1,103,607.67 which is 162.42 of PITI. Only requires 12 months [$6794.79 x 12= $81,537.48].

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX; requires XXX.
0538479394 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX past XXX mos.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% max is XXX%
0538841828 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0540206093 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a FICO score of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has  124.36 PITI months cash Reserves $942,457.69
0541587853 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0543134906 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified cash reserves of $199,437.37 or 78.50 months PITIA

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%
0543789604 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH119 Consumer lates exceed guidelines No UW Decision Summary Sheet indicates the lender approved an exception to policy regarding recent XXX lates on mortgage. This mortgage was taken over by borrower after XXX death. There is sufficient documentation in file to explain this situation. UW approval based on isolated incident and property was sold and mortgage was paid in full.
Compensating Factors:Borrower has demonstrated good savings pattern and  stable employment with current employer.		 (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with current employer for nearly XXX years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower has sufficient residual income, and has demonstrated a good savings pattern.
0544330473 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD dated XXX Calculating Cash to Close - Adjustments and Other Credits reflects $XXX. Total does not match Summaries of Transactions total as $XXX Buyer paying seller to Pay Off Other Liability captured in Line XXX Section K and should be captured under adjustments. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI below guideline requirement.
0544574775 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $315,443.88 in post-closing reserves, which is $262,303.40 more than the guideline required amount of $53,140.48, or 71 months in reserves

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer since XXX, XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%, which is XXX% less than the guideline max of XXX%
0544926696 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No B1 income per lender is $XXX. File includes XXXX that reflects income of $XXX hr x XXX hours a week or $XXX per month. File also includes pay ledgers but range from $XXX to $XXX per pay ledger. Also states borrower received checks that should match up to the pay ledgers. No paystubs on file...not sure how lender calculated income for B1. Based on documentation need paystubs or WVOE to confirm actual income. 8.17.18 - Client responded. Email attached from XXX to B1 with job offer for a full-time position starting XXX (salary: $XXX per annum) and letter from B1 with employment details. Attachment to include VOE XXX with a confirmed start date XXX. XXX the XXX of XXX was also the XXX of XXX (previous employer). Additional document(s) to include a history on income for years XXX, XXX and XXX months of recent earnings (XXX-XXX) from XXX. B1 had not received XXX paycheck prior to close so a conservative income approach of $XXX/mo was calculated using XXX earnings. B1 has been in the same line of work for XXX years and it's reasonably documented that the income used to qualify will be significantly higher with new full-time salaried position.
8.17.18 - Clayton has reviewed clients response and based on documentation provided to reflect a much higher income for new job and documentation to support income used for prior year and using that XXX income as worse case since borrower had not started new job as of close of subject loan; the income used is sufficient. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX employed for XXX years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers show satisfactory payment history
0544926696 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Documentation Satisfied D A D A CMPDOC806 Notary Status is missing No Deed of Trust not notarized or signed  by notary. 8.14.18 - Client responded. Attached find the Security Instrument notarized and signed by notary.
8.14.18 - Clayton has reviewed clients response and notorized copy of mortgage provided. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX employed for XXX years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers show satisfactory payment history
0544926696 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Documentation Satisfied D A D A CMPDOC869 Mortgage not signed No The Deed of trust provided in the file is not signed by the borrower's or notary. 8.14.18 - Client responded. Attached find the Security Instrument notarized and signed by notary.
8.14.18 - Clayton has reviewed clients response and signed copy of mortgage provided. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX employed for XXX years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers show satisfactory payment history
0544926696 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX: Section Other Cost E. Taxes and Other Government Fees; Natural Hazard Fee of $XXX should be in section H. (No Data) (No Data) Hybrid Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX employed for XXX years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers show satisfactory payment history
0544926696 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit DTI Satisfied B A B A CRDDTI106 Debt Ratio Exception >5% and <10% No Lender approved DTI XXX%. Clayton calculated income B1 $XXX + B2 $XXX. Subject PITI $XXX + departing residence PITI $XXX + Other $XXX. Documentation in file for B1 income not sufficient to support $XXX income used. 8.17.18 - Client responded. Email attached from XXX to B1 with job offer for a full-time position starting XXX (salary: $XXX per annum) and letter from B1 with employment details. Attachment to include VOE XXX with a confirmed start date XXX. XXX the XXX of XXX was also the XXX of XXX (previous employer). Additional document(s) to include a history on income for years XXX, XXX and XXX months of recent earnings (XXX) from XXX. B1 had not received XXX paycheck prior to close so a conservative income approach of $XXX/mo was calculated using XXX earnings. B1 has been in the same line of work for XXX years and it's reasonably documented that the income used to qualify will be significantly higher with new full-time salaried position.
8.17.18 - Clayton has reviewed clients response and based on documentation provided to reflect a much higher income for new job and documentation to support income used for prior year and using that XXX income as worse case since borrower had not started new job as of close of subject loan; the income used is sufficient. 		Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX employed for XXX years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers show satisfactory payment history
0544926696 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No B1 income per lender is $XXX. File includes Consulting Contract that reflects income of $XXX hr x XXX hours a week or $XXX per month. File also includes pay ledgers but range from $XXX to $XXX per pay ledger. Also states borrower received checks that should match up to the pay ledgers. No paystubs on file...not sure how lender calculated income for B1. Based on documentation need paystubs or WVOE to confirm actual income. 8.17.18 - Client responded. Email attached from XXX, XXX of XXX to B1 with job offer for a full-time position starting XXX (salary: $XXX per annum) and letter from B1 with employment details. Attachment to include VOE XXX with a confirmed start date XXX. XXX the XXX of XXX was also the XXX of XXXX (previous employer). Additional document(s) to include a history on income for years XXX, XXX and XXX months of recent earnings (XXX-XXX) from XXX. B1 had not received XXX paycheck prior to close so a conservative income approach of $XXX/mo was calculated using XXX earnings. B1 has been in the same line of work for XXX years and it's reasonably documented that the income used to qualify will be significantly higher with new full-time salaried position.
8.17.18 - Clayton has reviewed clients response and based on documentation provided to reflect a much higher income for new job and documentation to support income used for prior year and using that XXX income as worse case since borrower had not started new job as of close of subject loan; the income used is sufficient. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX employed for XXX years

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrowers show satisfactory payment history
0545886417 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX+ year employment stability
0546470392 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $218,252.10 or 46.03 months PITIA.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 and B2 have both been in the same profession XXX years.
0546982400 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with employer for last XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower  has been with XXX for last XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX
0547623901 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX; guideline minimum is XXX.
0547978152 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $346,289.90, which is a 74.73 months of PITIA.



CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit qualifying score per guidelines is XXX.  Borrower's qualifying credit score is XXX.
0548463602 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $198,741.73.  Reserves required of $66,107.76 (12 x $5,508.98).  $99,352.27 remaining reserves after funds to close.
0548797420 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds guidelines

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below the maximum of XXX%
0550144923 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $796,890.72 or 86.91 months PITIA, guidelines required 9 months PITIA.
0550989130 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $324,997.06 or 48.90 months PITIA, guidelines required 9 months PITIA.
0552860246 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Total assets $287,340.04, reserves after closing 129,671.51. Needs $64,004.76

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower at employer XXX years XXX months
0553156929 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job - XXX employed XXX  years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- XXX months reserves
0553427834 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0555111794 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers Credit Score is XXX; guideline maximum is XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  XXX Year Credit Profile with no late payments.
0557117155 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close,  Closing Costs Financed - Final, Value of $XXX which does not match Clayton Calculation, Value of $XXX. Difference between these values is the Closing Costs POC $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $0.  Reserves required of $36,768.00(12 x $3,064.00).  $671,469.45 remaining reserves after funds to close.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has more than XXX years at current job.
0559343835 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $229,632.48 or 52.55 months which exceeds guideline requirement of 6 months.
0564013465 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD Issued XXX was E-signed. Missing e-consent 8.20.18 - Client responded. Disagree.  Closing date is XXX.  Initial CD with issue date of XXX and e-signed by both borrowers XXX meeting three business day timing found in file.  Copy of e-delivery consent forms are attached.
8.20.18 - Clayton has reviewed clients response and e-consent has been provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower one has been with same employer for last XXX years XXX month.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is lower than guideline max XXX%
0564013465 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.18.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.28.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.28.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower one has been with same employer for last XXX years XXX month.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is lower than guideline max XXX%
0564117540 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0565652703 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is below Lender max of XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Calculated assets $491,922.12 Liquid assets of $298,897.93 Reserves of $116,777.77 or 39.3 months (12 months required).
0566437922 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B B A A A D B D B B A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Verbal Verification of Employment for both borrowers within XXX days of Note date. Brw 1 is XXX employed, no confirmation business active in file. Brw 2 is a wage earner for brw 1's business, does not have ownership. No VVOE provided. 8.1.18 - Client responded. Lender guidelines require decisioner to verify the existence of business for XXX employed borrowers using a number of resources available including XXX of State, internet websites, XXX, CPA, etc.  Decisioner verified the existence of XXX. on XXX; loan disbursed XXX.  Borrower is XXX% owner of XXX and co-borrower receives income from the same business.  See documentation attached.
8.1.18 - Clayton has reviewed clients response and proof of employment provided as required. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below minimum guideline requirement of XXX%.
0566437922 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B B A A A D B D B B A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX
Difference is POC fees of $XXX 		(No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below minimum guideline requirement of XXX%.
0566437922 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D B B A A A D B D B B A A A D B Credit Income/Employment Satisfied B A B A CRDINC2488 Verbal verification of employment missing No Missing Verbal Verification of Employment for both borrowers within XXX days of Note date. Brw 1 is XXX employed, no confirmation business active in file. Brw 2 is a wage earner for brw 1's business, does not have ownership. No VVOE provided. 8.1.18 - Client responded. Lender guidelines require decisions to verify the existence of business for XXX employed borrowers using a number of resources available including XXX, Internet websites, XXX, CPA, etc.  Decisioner verified the existence of XXX. on XXX; loan disbursed XXX.  Borrower is XXX% owner of XXX and co-borrower receives income from the same business.  See documentation attached.
8.1.18 - Clayton has reviewed clients response and proof of employment provided as required. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below minimum guideline requirement of XXX%.
0566471440 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $354,530.14 or 71.68 months PITIA, guidelines required 9 months PITIA.
0567453780 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline requirement of XXX.

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have been in their respective professions for XXX years.
0569917666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD dated XXX Other Costs Section E reflects per lender includes $XXX Natural Hazard Report fee.  This fee should be in Section h and broken out as an individual fee. This is not a recording fee and should not be included in section e. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $515,270.82, after closing reserves remaining are $347,861.66 [74.89 months PITI]

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0569917666 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3646 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $XXX credit on CD XXX insufficient to cover increase in Recording fees from $XXX to $XXX at or prior to closing without a valid reason which is outside of ten percent tolerance. Please provide an additional $XXX refund, Letter of explanation, corrected Closing Disclosure, and proof of delivery within XXX days of consummation 7.30.18 - Client responded. Disagree. Ten percent baseline on initial LE issued XXX included Recording Fees in the amount of $XXX. Recording Fees increased to $XXX on LE XXX then to $XXX on initial CD issued XXX. It appears investor is including $XXX XXX Hazard Report in XXX calculation; however, fee is not held to a tolerance. Ten percent fees increased in the amount of $XXX; therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of Final CD issued XXX to cure variance in XXX% tolerance category.  This is not a defect so no corrective action is required.
7.30.18 - Clayton has reviewed clients response and removed Natural Hazard Report from tolerance and Lender credit of $XXX covers XXX% tolerance issue. 		7.30.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $515,270.82, after closing reserves remaining are $347,861.66 [74.89 months PITI]

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0570271949 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Application Active B B B B CRDAPP2418 Ownership history inaccurate / incomplete No UW Decision Summary indicates the lender approved an exception to policy regarding "flip transaction" subject was purchased by the seller from an estate sale in XXX. With approval, potential earnings & low housing ratio this is considered a non material issue (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have stable employment.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers good credit Fico XXX.
0570513278 XXXXXX DE QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Per credit report, borrower has one active tradeline. Minimum required per guidelines is XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $18,104,197.81 or 2213 months which greatly exceeds minimum required per guidelines of 6.
0571738103 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No ABA not in the file. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 94.23 PITI cash reserves $432,466.38


CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX.
0571834468 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX month in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs.
0572193032 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of XXX.
0576779655 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.
0577024580 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $176,267.04in post-closing reserves, which is $135,420.40 more than the guideline required amount of $40,846.68, or 51 months in reserves
0577937627 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL4033 Missing Legal Document(s) No Missing proof tax lien for $XXX has been paid in full.  Reporting on credit report filed XXX. 5.24.17 Lender-Unable to locate proof tax lien for $XXX filed XXX has been paid in full.
5.24.17 exception remains.
8.16.18 - Client responded. Proof of tax lien paid off provided.
8.16.18 - Clayton has reviewed clients response and documentation to support lien was paid in full provided.		 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid FICO score of XXX is XXX points higher than required XXX.
0580353514 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3124 Loan documents do not meet guideline requirements No Lender Exception for Qualifying Ratios for Occupant Borrower when a NON Occupant Borrower is present.  Compensating Factors for B2/B3 (XXX)- Overall Credit Profile XXX+ years of extensive credit profile, with on time payments history, low reliance of revolving cards and low utilization rate, Total accounts listed XXX, with XXX current XXX closed. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,167,792.06 or 191.01 months PITIA, guidelines required 9 months PITIA.
0580638326 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $297,653.68 or 50.38 months PITIA, guidelines required 9 months PITIA.
0581080892 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0581153019 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and Last CD XXX Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Recording fee $XXX paid by Seller is for Natural Hazard Report. (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been operating current business for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing cash reserves of $649,956.51 or 90 months, exceeds minimum required per guidelines of 6 months.
0581668793 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal Verification of employment for B1 within XXX days of the Note date per lender guidelines. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $XXX, exceeding  guidelines requirement.
0582728022 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 134.14  months PITI cash reserves $866,774.44

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employers for XXX yrs.
0583669130 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing Verbal verification of employment within XXX days of Note date for both borrowers. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with LXXX for the past XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX XXX with XXX for the past XXX years.
0584010144 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines - XXX months of reserves
0584821554 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $324,014.56,  after closing cost remaining assets $142,586.43. [290.97 months PITI]

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX; requires XXX.
0586843564 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B A A D A C B D B A A D A C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX under section Additional Information about this loan, the state abbreviation is missing from the license ID. Corrected on CD XXX. Satisfied. (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.
0586843564 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B A A D A C B D B A A D A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3604 TRID - Error discovered on Closing Disclosure No FINAL CD XXX, Loan Disclosures Section, Escrow Account - Box not checked for reason for declined escrow. This is a Non-numeric Material error. 8.17.18 - Client responded. Disagree. Agree that the closing disclosure dated XXX are missing a checked box for either "you declined it" or "your lender does not offer XXX" in the Loan Disclosure section. However, this defect is considered a non-numerical clerical error. Non-numerical clerical errors not considered significant or material defects and are not required to be remediated.
8.17.18 - Clayton has reviewed clients response and sent to Clayton Compliance department for opinion. 8.17.18 - Exception remains.
8.21.18 - Clayton Compliance department has responded and verified that this is considered a non numeric material error and not clerical. A Post Close CD to correct would be required to downgrade. 8.21.18 - Exception remains.
9.11.18 - Client responded. Providing copy of corrected CD and letter to customer from the Lender Client
9.11.18 - Clayton has reviewed clients response and PCCD corrects error. 		9.11.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.
0586843564 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D B A A D A C B D B A A D A C B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.16.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.
0587159102 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0588281509 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in current XXX for XXX years.
0593161858 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $526,998.92 or 97.58 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0594082502 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No 7.25.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. (No Data) 7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX% below program requirement XXX%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has XXX years same line of work. Borrower 2 has XXX years same line of work.
0595519475 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX Section: Section Calculating Cash to Close; The closing cost amount of ($XXX) is reflected as a negative number on the Alternative form and should be a positive number. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years at current job.
0595519475 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender exception for short cash reserves not meeting X.XX months as required and only X.XX months provided. $XXXXX.XX cash reserves versus required $XXXXX.XX. Compensating factors for exception approval are low LTV of XXX%, reduction in housing payment, housing payment as agreed for last XXX months and residual income. Non-Material. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years at current job.
0595966090 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B B B A A D A D B B B A A D A Compliance State Consumer Protection Satisfied D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No No Cert of Compliance or Cert of Exemption in file 7.25.18 - Client responded. Disagree.  Copy of Certificate of Exemption is attached.
7.25.18 - Clayton has reviewed clients response and document has now been provided. 		7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of 43.0%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $687,732.40 in post-closing reserves, which is $637,154.64 more than the guideline required amount of $50,577.76, or 163 months in reserves
0595966090 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B B B A A D A D B B B A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3590 TRID - At least one LE was delivered on or after the date that a CD was delivered No LE: XXX, was delivered after the first CD was issued on XXX. 7.25.18 - Client responded. Disagee. Closing disclosure with an issue date of XXX was not provided to the consumer. It was part of a closing prep package (sequence #004) that was internally generated and not provided to anyone. The initial CD was provided to the consumer via e-delivery XXX after the latest Loan Estimate provided XXX. This is not a defect so corrective action is not required. Copy of origination system Documents and Packages page showing the closing prep package is attached.
7.25.18 - Clayton has reviewed clients response and internal document provided reflects CD dated XXX was not delivered to borrower and Initial CD delivered via email was CD dated XXX. 		7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of 43.0%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $687,732.40 in post-closing reserves, which is $637,154.64 more than the guideline required amount of $50,577.76, or 163 months in reserves
0595966090 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B B B A A D A D B B B A A D A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Provide Vvoe for b2 dated within 20 business days of closing. Vvoe dated XXX, loan closed XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of 43.0%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $687,732.40 in post-closing reserves, which is $637,154.64 more than the guideline required amount of $50,577.76, or 163 months in reserves
0596479746 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for XXX years. and XXX years in same field

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower been on job XXX years and in same line of XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0597406975 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $XXX. Reserves required of $58,320.12 (12 x $4,860.01). $274,348.31 remaining reserves after funds to close.
0600013363 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0600826871 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX cash to close required from borrower, Liquid assets of $139,316.14, Reserves of $49,131.20 or 13.98 months reserves. XXX months required or $XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%.
0600880390 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job XXX years XXX months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months -  79 months verified
0601179919 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max XXX%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  54 mos. reviewed on credit. 0 X30 days
0602994947 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job XXX years XXX months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves.  Post cash reserves in the amount of $90,138.33.
0603037429 XXXXXX DC QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD XXX and CD XXX: Other Costs Sections, (H) Other, Home Warranty Fee missing optional. 8.9.18 - Client responded. Disagree. Agree the closing disclosures dated XXX are missing the Optional designation for the Home Warranty fee in Section H. However, this defect is considered a non-numerical clerical error by XXXX Correspondent Compliance Testing team. Non-numerical clerical errors not considered significant or material defects and are not required to be remediated.
8.9.18 - Clayton has reviewed clients response and per Clayton Compliance team this is considered non-material and downgrading to B. 		8.9.18 - Exception remains. Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $477,548.71 or 128.96 months PITIA, guidelines required 9 months PITIA.
0604448663 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of Homeowners Counseling organizations (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years plus with same employer

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid fico XXX, min fico required XXX

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has satisfactory mortgage, rent and consumer debt history, w/XXX lates
0604448663 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and Last CD XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized. (No Data) (No Data) Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years plus with same employer

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid fico XXX, min fico required XXX

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has satisfactory mortgage, rent and consumer debt history, w/XXX lates
0604448663 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE Issued XXX and Last LE Issued XXX. Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX. Exception Satisfied (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years plus with same employer

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid fico XXX, min fico required XXX

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has satisfactory mortgage, rent and consumer debt history, w/XXX lates
0607459260 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No XXX Counseling Notice (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX employment with current employer.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good fico score XXX with XXX lates.
0607734121 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0609654852 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE in file for both borrowers is dated XXX which is > 20 days from Note date of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $221,733.05 or 62.65 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0610365943 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No Missing XXX party fraud report for XXX Co-borrower's XXX. 8.1.18 - Client responded. All XXX loans receive a CoreLogic Loan Safe review, however XXX limits the review to borrowers XXX and Loan Safe reports are only obtained when there is a high alert.
8.1.18 - Clayton has reviewed clients response and per Clayton Compliance department fraud checks are required on all borrowers for subject loan. This also meets requirements by XXX and other rating agencies. 8.1.18 - Exception remains.
8.7.18 - Clayton has obtained fraud reports on borrower XXX and no issues. 		8.7.18 - Exception satisfied. Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has been in current XXX for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum required per guidelines of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $149,213.17 or 18.43 months which exceeds minimum required per guidelines of 6 months.
0611157774 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has XXX trade lines, minimum required is XXX trade lines per guidelines. (No Data) (No Data) (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history XXX forXXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX PITI months in reserves.
0611174293 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B-2 has commission income we did not include in the ratios .

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720
0613003181 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Rescission Date XXX, CD Disbursement Date XXX. 8.20.18 - Client responded. Agree. Right of Rescission is not in compliance. Funds were disbursed prior to midnight of the Third Business Day. Latest dated document is XXX. Third business day is XXX. How to Cancel date is XXX. Loan disbursement date per Final CD and origination system is XXX. Re-opening of rescission is required to cure defect. 8.20.18 - Exception remains.
8.24.18 - Client responded. Remediation docs: Attached is the Notice of Right to Cancel and letter that was sent to the borrower.
8.24.18 - Clayton has reviewed clients response and letter as well as corrected ROR has been provided. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current Employer for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX; guideline maximum is 720.
0613003181 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Rescission Date XXX, CD Disbursement Date XXX. 8.20.18 - Client responded. Agree. Right of Rescission is not in compliance. Funds were disbursed prior to midnight of the Third Business Day. Latest dated document is XXX. Third business day is XXX. How to Cancel date is XXX. Loan disbursement date per Final CD and origination system is XXX. Re-opening of rescission is required to cure defect.8.20.18 - Exception remains.
8.24.28 - Client responded. Remediation docs: Attached is the Notice of Right to Cancel and letter that was sent to the borrower.
8.24.28 - Clayton has reviewed clients response and letter as well as corrected ROR have been provided. 		8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the current Employer for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX; guideline maximum is 720.
0613325006 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Other Costs, Field:
(1) Missing payee information for Buyer Attorney fee

Correction made on final CD dated XXX. 		(No Data) Exception satisfied. Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $406,511.59 in reserves, borrowers need 139,747.08

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score allowed is XXX, credit score for co borrower was XXX
0613325006 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing proof of monthly HOA fee for the property located at XXX 9.12.18 - Client responded. Underwriter requested verification of HOA fee for XXX and conditioned accordingly. The condition was cleared with letter from the Association XXX stating a monthly assessment amount of $XXX (PDF attached). This figure was included in the payment and condition cleared. PITI-$XXX. Per the Underwriter, this letter was accepted in conjunction with the XXX bank statements showing electronic withdrawal of this amount to the HOA in the amount of $XXX.
9.12.18 - Clayton has reviewed clients response and HOA letter provided to verify HOA fee and XXX support with amount auto deducted monthly.		 9.12.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $406,511.59 in reserves, borrowers need 139,747.08

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum credit score allowed is XXX, credit score for co borrower was XXX
0613346654 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $269,094.19 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0613849723 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $589,967.40 verified cash reserves exceed guidelines .


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0614019970 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3776 TRID - LE or CD does not meet TRID requirements No LE XXX: Loan costs section C states "see addendum to loan estimate to additional items". Addendum is not present in file. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%
0614757952 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan has an LTV of XXX%.

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

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with same employer for XXX yrs.
0614802090 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current XXX as an XXXXX for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is well below guideline maximum per Retail guidelines of 43%.
0614851065 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same XXX for XXX years.
0617239089 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0618556981 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for the past XXX years, XXX job

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Asset verified exceed cash reserves required
0620669841 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified cash reserves of $166,943.88 or 32 months PITIA

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned current residence XXX years.
0622207817 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  both borrowers have demonstrated a satisfactory credit history and mortgage history

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have sufficient assets required for CTC and reserves
0622447186 XXXXXX NE QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed for 64 months with 0x30 days late.
0622850231 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing Profit and Loss statement for XXX; not required for QM testing as XXX is less than XXX%. Non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below maximum allowed per guidelines of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $515,667.48 or 105.92 months which exceeds minimum required per guidelines of 6 months.
0622850231 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing Balance Sheet for XXX; not required for QM testing as XXX is less than XXX%. Non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below maximum allowed per guidelines of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $515,667.48 or 105.92 months which exceeds minimum required per guidelines of 6 months.
0623280190 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0623583228 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $102,668.54 verified cash reserves exceed guidelines.
0624217489 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Loan is disclosed as QM XXX but due to loan DTI exceeding XXX%, loan is not a Qualified Mortgage. 5.20.16 Lender provided XXX Benefits program details which validates calculation of $XXX for taxes. However it states there should be a Preliminary Certificate of Eligibility in file, and once units are complete there should be a Final Certificate of Eligibility in file. Please provide this in order to validate. 5.20.16 Exception remains.
8.16.18 - Client responded & Final Certificate of Eligibility provided as required.
8.16.18 - Clayton has reviewed and verified. 		8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; max allowed per guidelines is 80%.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $2,158,014.55 or 427.41 months PITIA, guidelines required 6 months PITIA.
0624217489 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Credit Application Satisfied A A A A CRDAPP4625  The orig file does not contain a third party fraud report No Missing XXX party fraud report. 7.20.18 - Client responded. Attached find the XXX Party Fraud Report.
7.20.18 - Clayton has reviewed and Fraud report provided as required. 		7.20.18 - Exception satisfied. Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; max allowed per guidelines is 80%.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $2,158,014.55 or 427.41 months PITIA, guidelines required 6 months PITIA.
0624217489 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Credit DTI Satisfied C A C A CRDDTI187 Debt Ratio > 50% No Final DTI XXX% using total income of $XXX, subject PITI of $XXX (P&I $XXX, Taxes $XXX, Ins $XXX & HOA $XXX) and other monthly debt of $XXX; lender value of XXX% was calculated using $XXX for subject property taxes which is unsupported. 5.20.16 Lender provided XXX Benefits program details which validates calculation of $XXX for taxes. However it states there should be a Preliminary Certificate of Eligibility in file, and once units are complete there should be a Final Certificate of Eligibility in file. Please provide this in order to validate. 5.20.16 Exception remains.
8.16.18 - Client responded & Final Certificate of Eligibility provided as required.
8.16.18 - Clayton has reviewed and verified. 		8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; max allowed per guidelines is 80%.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $2,158,014.55 or 427.41 months PITIA, guidelines required 6 months PITIA.
0625528973 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max XXX%

CFCFS2860: Good credit history
- Clayton Comments:  All accts. are paid as agreed. XXX
0625605036 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Compliance Manual Satisfied C A C A CMPMAN2990 1003 - Final Application is not Accurate No Final Signed 1003 is missing from loan file. 8.17.18 - Client responded. Attached find the final Loan Application.
8.17.18 - Clayton has reviewed clients response and Final Application has been provided. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment on current job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.
0625605036 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No PC CD Issued XXX, XXX. File # is missing. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment on current job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.
0625605036 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No PC CD: XXX, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: Clayton Calculation, Value: XXX. Values does not match. Corrected on PC CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment on current job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.
0625605036 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Verbal verification of employment within 20 days of  Closing is missing from loan file. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment on current job.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with o lates and fico score of XXX.
0626287568 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $476,089.50.  Final CD reflects required funds to close, $168,300.98 plus earnest money deposit for $8,250.00. No documentation was located in file to verify earnest money deposit. Funds were deducted from available reserves.  Guidelines require reserves of $66,675.60.  Post close reserves $232,862.92.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0626546741 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same XXX years.

CB in same XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX. Min XXX.
0627046694 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; guideline maximum is 80%.
0627487009 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A Property Valuations Property Satisfied A A A A PRVAPROP132 Missing HOA Certificate/Questionnaire No Subject s a XXX missing HOA Certificate/Questionnaire. 7.15.18 - Client responded. See attached Homeowners Cert/Questionnaire and Project approval.
7.15.18 - Clayton has reviewed and condo questionnaire as well as XXX Project Approval provided. 		7.15.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline
0628033429 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0628474476 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 9.18.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.18.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 269,390.94 in reserves, only needs 38,682.60

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Minimum score allowed is XXX, borrower has a XXX
0628959913 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $125,783.15 or 31.76 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.
0630109554 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline
0630199689 XXXXXX OK QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $289,864.68 or 45.92 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0630679400 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $108,534.82 or 25.82 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0631113431 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX% LTV, max per guidelines is 80%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $244,670.64.  Reserves required of $31,331.36 (12 x $3,194.28).  $140,615.61 remaining reserves after funds to close.
0631940285 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $319,154.19 or 81.19 months PITIA
0633902394 XXXXXX CT QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX Calculating Cash To Close, Field: Total Closing Costs (J is $XXX; CD: XXX Calculating Cash to Close, (J) - Loan Estimate,is $XXX (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $177,927.71 or 35.14 months PITIA, guidelines required 9 months PITIA.
0633902394 XXXXXX CT QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX Calculating Cash To Close, Field: Estimated Cash to Close, Is$ XXX; CD: XXX Calculating Cash to Close, Field: Cash to Close - Loan Estimate, IS $ XXX. Need to provide updated LE (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $177,927.71 or 35.14 months PITIA, guidelines required 9 months PITIA.
0638103580 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Transfer taxes increase from LE XXX to CD XXX amount began at $XXX and subsequently increased to $XXX difference of $XXX with no COC to address in file and no COC info on Change of Circumstance spread sheet. Please provide LOX, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 8.1.18 - "Disagree. The Transfer Taxes increased to $XXX on the LE issued 4/XXX) with a valid Change Circumstance of the loan amount increasing from $XXX to $XXX on XXX. The LE was disclosed to the borrower within the 3 day timing requirement. This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screen shot attached.
8.1.18 - Clayton has reviewed clients response and COC provided to verify fee increase. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has been employed at job XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has paid current mortgage on time for 53 months
0638103580 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of property taxes and HOI for non subject primary residence. 8.2.18 - Client responded. The XXX pages which shows the Taxes and HOI for non subject primary residence was delivered in the PDF on pages 893-894.
8.2.18 - Clayton has reviewed clients response and non subject property information provided as required. 		8.2.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has been employed at job XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has paid current mortgage on time for 53 months
0638105081 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B A A D B B B D B A A D B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX Summaries of Transactions Section: Adjustments and Other Credits Calculation is $XXX and Calculating Cash to Close Section: Adjustments and Other Credits - Final, Value: $XXX. Escrow hold back is not listed under adjustments therefore calculating incorrectly. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for XXX years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves of $344,648.23 or 91.14 months which exceeds required 6 months per guidelines.
0638105081 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D B A A D B B B D B A A D B B B Property Valuations Appraisal Active D B D B PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing completion certificate. 7.17.18 - Client responded. An escrow hold back of $XXX was collected at closing in response to the need for the completion of the railing based on a contractors bid to complete the work at a rate of $XXX. The escrow for completion team is working to follow up with the borrower for completion of the railing, post closing (see embedded agreement and invoice). XXX non-agency policy allows work escrow hold backs to occur for work to be completed post closing.
7.17.18 - Clayton has reviewed escrow hold back agreement and work invoice. As this is a safety matter will down grade to non-material but can be satisfied once completion cert is provided. 		7.17.18 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for XXX years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing reserves of $344,648.23 or 91.14 months which exceeds required 6 months per guidelines.
0638960243 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post-closing assets in the amount of $296,647.20, which is 52.65 months of PITIA.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has additional XXX income not used in qualifying.
0639811343 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $357,522.94 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0640206922 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at employer for XXX years X month

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is720.
0640341798 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender made exception for loan closing in an XXX. Based on all compensating factors this is a non-material issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than exception max dti limit of XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $770,287.89 in post-closing reserves, which is $714,480.48 more than the guideline required amount of $55,807.41, or 248 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.
0641742926 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $597,478.99 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0643298415 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Per UW decision summary form the lender granted an exception to guide lines for Post Closing Reserves. Borrower has X.XXm in reserves and guides require X.XXm. With credit depth on file since XXX, Mid Fico scores of XXX, timely housing payment history exception is non material (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0643479218 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0644110086 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  10 years

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX mos. reviewed. 0 X30 days. paid as agreed
0645777222 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been on current residence for XXX yrs.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower (Primary) has been with same employer for XXX yrs.
0646286583 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  B1 XXX years in same XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% Max is XXX%

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years current residence
0646560304 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0647357136 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No The Initial application was dated XXX and the List of Homeowners Counseling Organizations was dated XXX which is more than 3 days of the application. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds 680 minimum score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% maximum guideline
0647487812 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $283,786.02, or over 43 months PITI.
0648277897 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0648913917 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX. Difference is POC of XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed for over XXX years with same company

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  XXX for both mortgages reporting on XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower cash reserves all liquid and exceed requirement
0649735364 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $449,255.60, or 59.50 months PITI verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0652032481 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  B1 FICO of XXX points greater than the required credit score of XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX% is over XXX points below maximum DTI allowed at XXX%.
0655161664 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX. Area: Other Cost. Section F: Prepaid: There is no payee name assigned. Corrected with Final CD dated XXX. Exception satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  both borrowers demonstrate satisfactory mortgage payment history

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% MAX LTV XXX%
0655161664 XXXXXX VA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE dated XXX is e-signed XXX. E-consent is in file but also only e-signed XXX. Need proof e-consent was acknowledged prior to or same day LE dated XXX was sent.





LE dated XXX is e-signed XXX. E-consent is in file but also only e-signed XXX. Need proof e-consent was acknowledged prior to or same day LE dated XXX was sent.

8.28.18 - Client responded. Disagree. Per XXX Correspondent testing XXX, a loan estimate was provided to the consumer on XXX (per the Date Issued on the LE) and meets 3 business day timing (application date is XXX). XXX Correspondent testing XXX does not validate provision and 3 day timing by when the consumer e-signs the disclosure. In addition, a loan estimate was provided to the consumer on XXX (meeting 3 day timing) that is a duplicate to the LE disclosed XXX that is not e-signed by the consumer. This is not a testing defect so no corrective action is required.
8.28.18 - Clayton has reviewed clients response and the issue is that there is no proof of when the e-consent was provided to borrower. E-signature date on e-consent is XXX. You have two LE's in file XXX dated XXX and the other XX/XX/XXXX. The XXX is e-signed. We need to see documentation that the e-consent was provided to the borrower prior to or same day the LE dated XXX was sent. You cant have an e-signed LE and no proof the borrower consented to docs being sent by email prior to that. 8.28.18 - Exception remains.
9.4.18 - Client responded. Disagree with investor. Per XXX Correspondent testing XXX, a loan estimate was provided to the consumer on XXX (per the Date Issued on the LE) and meets 3 business day timing (application date is XXX). XXXXXXX Correspondent testing methodology does not validate provision and 3 day timing by when the consumer e-signs the disclosure. In addition, a loan estimate was provided to the consumer on XXX (meeting 3 day timing) that is a duplicate to the LE disclosed XXX that is not e-signed by the consumer. Copy of e-delivery consent dated XXX is attached. This is not a testing defect so no corrective action is required.
9.4.18 - Clayton has reviewed clients response and e-consent provided now reflects borrower accepted on XXX which was not the case with the e-consent in original file. Proof has been provided now and exception satisfied. 		9.4.18 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  both borrowers demonstrate satisfactory mortgage payment history

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% MAX LTV XXX%
0655187402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO score XXX used max FICO XXX for program.

CFCFS2860: Good credit history
- Clayton Comments:  Both borrowers have exceptional credit history.
0655279696 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over XXX years on current job

CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit history. XXX credit score with XXX life of all trade lines and mortgages.
0656667459 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement max 36/43

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 720
0657147507 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  borrower gets bonus income we did not include in the ratios

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower fico of XXX exceed the max for loan of XXX
0658359156 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing XXX Statement #XXX. Funds required for closing. 8.6.18 - Client responded. See XXX statement attached.
8.6.18 - Clayton has reviewed clients response and statement has been provided as required. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  All accts. are paid as agreed. 0 X30 days past 12 mos.
0658359156 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH118 Mortgage/rental lates exceed guidelines No Approval required 12 month VOR. Missing most recent 12 month verification of rent. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  All accts. are paid as agreed. 0 X30 days past 12 mos.
0658844556 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is at XXX which is below the max guideline of 43%
0659400247 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% maximum guideline

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below 80% maximum guideline
0660553110 XXXXXX AK QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current XXX for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying score of XXX exceeds guideline minimum of 680.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has greater than 99 months mortgage payment history with zero reported lates.
0661488921 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $273,386.13.  Final CD reflects required funds to close, $127,263.84 plus $25,000 earnest money deposit.  No documentation to support earnest money deposit reflected on Final CD cleared borrowers account prior to close was located in file. Earnest money deposit deducted from available reserves.  Guidelines require reserves of $42,546.06.  Post close reserves $78,576.23.
0662363872 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active C B C B CRDTER3122 Loan documents do not meet guideline requirements No Lender exception: Housing Payment History. Borrowers have no housing history.
Comp factors: Conservative credit users and have capacity for the new housing payment. DTI is less than XXX%. 		8.10.18 - Client responded. XXX approved exception - No mortgage/rental payment history. Exception approved under the PCO delegated authority.
8.10.18 - Clayton has reviewed clients response and determined non material. 		8.10.18 - Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0664380511 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is XXX%.
0664627791 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4282 TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE XXX: Section Calculation Cash to Close value; $XXX is different then the value on the LE column of the final CD XXX value $XXX. Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points
0664627791 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4284 TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE XXX: Section, Calculating Cash To Close; Seller Credits value is 0 is different from the value disclosed on the final CD XXX LE column value -XXX.Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points
0664627791 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE XXX: Section Calculation Cash to Close; (j) $XXX is different from the value disclosed in the LE column of the final CD XXX value $XXX.Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points
0664627791 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE XXX, Section: Calculating Cash To Close; Estimated Cash to Close value $XXX; is different then the Final CD XXX , Section : Calculating Cash to Close; value $ XXX. Provide post-consummation CD within 60 days of the consummation date. LE in file dated XXX which does match has VOID across it therefore not entered (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 42.11 months PITI reserves.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines of 680.  Borrower XXX scores exceed guidelines of XXX points
0665395682 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years XXX months on current job

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $62,767.16 or over 18 months, exceed 12 month requirement.
0665965422 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception for Escrow Waiver for XXX Time Home buyer. Comp Factors: $XXX liquid funds after closing. Monthly income of $XXX monthly residual income will allow borrower to save and pay escrow. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $97,665.37 or 18.04 months PITI

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower is an XXXXX with XXXXX. Has high potential for increased earnings.
0666881867 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD dated XXX Calculating Cash to Close; Adjustments and Other Credits reflects $XXX. Summaries of Transactions section K adjustment $XXX. Line 4 in Section K reflects Sewer Capacity fees of $XXX but is in wrong line. Should be under Adjustments in line 5 therefore the section is not calculating correctly. (No Data) (No Data) Numeric Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  45 months at 0x30; of Mortgage History exceeds 24 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI; guideline maximum is 43%.
0667616840 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, & CD: XXX Section: Other Costs, Field: H. line 01, missing Payee. Satisfied by Post Close CD: XXX which is within 60 days. Exception satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum.
0667616840 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4377 TRID - CD: Closing Disclosure contains conflicting loan attributes No CD: XXX [Last CD], Section: Loan Disclosures, Field: Demand Feature is present without a check mark for which feature. Satisfied by Post Close CD: XXX within 60 days. Exception satisfied. (No Data) Exception satisfied. Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum.
0668216684 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current XXX for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below maximum allowed per guidelines of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $175,292.72 or 54.41 months which exceeds minimum required per guidelines of 6 months.
0668772718 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $287,582.51 in  reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years industry tenure.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Potential for increased earnings through promotion or new employment.
0670055049 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0673329949 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $782,073.19 verified cash reserves exceed guidelines.
0673450928 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active C B C B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception - Unacceptable collateral, XXX Environmental Deed Restrictions. 7.23.18 - Client responded. XXX approved exception - Unacceptable Property Type (XXX Environmental Deed Restrictions). Exception approved under the PCO delegated authority.
7.23.18 - Clayton has reviewed clients response and based on low LTV,DTI and strong credit history exception non-material. 		7.23.18 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 49.14 months reserves. Guidelines require 12 months.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history 0x30 for 32 months reviewed. Guidelines require 0x12.
0674565489 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has $427,927.20 in reserves.
0676762365 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0676919554 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX Calculating Cash to Close Section: Closing Costs Financed - Final, Value: $XXX and Clayton Calculation, Value: $XXX. Lender did not deduct POC charges of $XXX from Total closing costs for Closing Costs Financed. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below maximum 70% guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline
0676919554 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX Other Costs Section E: Recording Fee does not itemize whether fees are from Mortgage or Deed. (No Data) (No Data) Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% below maximum 70% guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline
0678587374 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has more income that we could have used , but did not use all . but base pay and the bonus

CFCFS2860: Good credit history
- Clayton Comments:  borrowers have exceptional credit history and payment record
0678625676 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No Missing page 5 0f 5 for CD dated XXX. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $535,285.90 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0679138713 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX1, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. H. Other. Survey Fee is missing the Payee. Corrected on CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS3836: Borrower Net Worth
- Clayton Comments:  Borrower has significant net worth with 4 million in reserves.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower have good credit history with minimum usage and paid mortgages.
0679252018 XXXXXX NC QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD's were issued on XXX & XXX. Disclosure tracking not in file. 7.20.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in XXX
XXX  allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by one of the consumers on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery.  This is not a defect so no corrective action is required.  Copy of origination system Documents and Packages page showing the Confirm date is attached.
7.20.18 - Clayton has reviewed and although information was not on the Data Disclosure Master sheet received client has provided internal documentation to reflect Initial CD was sent electronically on XXX and received same day by borrower. 		7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower with current employer for XXX years and XXX months.

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

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower in her profession for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have 48.72 months reserves. 12 months required for this program.
0680325869 XXXXXX MO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0680426111 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0680896695 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0681217411 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $554695.19.  Reserves required of $191,494.56 (12 x $12,799.38) + (6 x $6,317.00).  $1,160,525.64 remaining reserves after funds to close.
0681802770 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Missing Lenders Approval. Subject loan manually underwritten according to 1008. 7.30.18 - Client responded. Because the loan was manually underwritten the 1008 was used. The pdf delivered, the 1008 is signed by the underwriter and includes comments for approval. You would need to reference the underwriting guidelines for manually underwritten loans for specific documentation requirements.
7.30.18 - Clayton has reviewed clients response. Loan has been underwritten to manual guidelines. 		7.30.18 - Exception Satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked XXX years in his profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of XXX exceeded the guideline requirement of 720 by XXX points.
0681843996 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  credit score of 788 exceed guideline requirement of of 720

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current field for 10 years
0681965876 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation
closing costs XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0683221084 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, and CD: XXX [Last CD],  Loan Costs - Missing payee for fees in  section C. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX employed with same company for XXX  years same line of work .
0683404502 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $732,948.89, after closing reserves remaining are $487,055.59.  [62.84 mos. reserves]

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0686824466 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Lender Exception:  Does not meet tradeline requirement. Comp Factors:
Low DTI of XXX%/XXX%. Strong monthly residual income of $XXX/month. XXX credit card opened XX/XXXX with high balance of $XXX, XXX past XXX months.  Rental history XXX past XXX months. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 749.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 28 months PITI.
0688934770 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0689186852 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing homeowners counseling form (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is 804

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 22.13 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 21.06%
0689457144 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $125,476.59.  Reserves required of $36,139.68(12 x $3,011.64).  $192,366.53  remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%
0692125962 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Provide Missing Affiliated Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower have resided at the current residence for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is 43%.
0693156686 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for XXX yrs

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs .
0694125193 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $115,769.40 or 28.74 months which exceeds guideline of 6 months.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below guideline max of 43%.
0695290357 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B2 at current job in excess of XXX years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  front and back end ratios both are below guidelines

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV is XXX%.
0696347923 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0697259713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XX.XX.XXXX: Section  Calculating Cash to Close: Closing Costs Financed value $XXXXX.XX does not equate to the amount based on the Reg's formula $ XXX. The difference is the POC (closing cost paid before closing) $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer over 6 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score 752
0697834920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide fully executed HUD-1 sale of XXX. The unexecuted HUD-1 is in the file. 5.28.17 Lender stated Unable to procure a fully executed prior home CD.
5.28.17 Please provide proof that home is no longer owned by borrowers. Exception remains.
8.16.18 - Client responded. Signed copy of HUD provided for sale of departing residence.
8.16.18 - XXX has reviewed clients responded and HUD provided and signed as required. 		8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job XXX years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a mortgage history of XXX late reviewed for XXX months .
0697834920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Provide fully executed HUD-1 sale of XXX. The unexecuted HUD-1 is in the file. 5.28.17 Lender stated Unable to procure a fully executed prior home CD.
5.28.17 Please provide proof that home is no longer owned by borrowers. Exception remains.
8.16.18 - Client responded. Signed copy of HUD provided for sale of departing residence.
8.16.18 - XXX has reviewed clients responded and HUD provided and signed as required. 		8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job XXX years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a mortgage history of XXX late reviewed for XXX months .
0697834920 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Property Valuations FEMA Satisfied A A A A PRVAFEMA858 Natural Disaster Area, no subsequent inspection  (Individual & Public) No XXX XXX XXX, missing subsequent inspection. 7.23.18 - Property Inspection report received and reflects no property damage. 7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been in current job XXX years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a mortgage history of XXX late reviewed for XXX months .
0698013421 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $360,383.20 or 65.75 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.
0698111392 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0699324090 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $495,362.27 in post-closing reserves, which is 593,950.43 more than the guideline required amount of $170,766.21, or 40 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.
0699648486 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Provide XXX signature pages for personal and business tax returns. E file authorizations in file were not executed by borrowers. 7.30.18 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the XXX  or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  
7.30.18 - Clayton has reviewed clients response and per guidelines agrees. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B-1 shows W2 income we did not use and also has SSI income I did not use to qualify

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B-1 and B-2 have been XXX for more than XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Both B-1 and B-2 Credit score of XXX exceed min 720 .
0699648486 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX  [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: Clayton Calculation, Value: XXX. Values does not match. Difference is POC of $XXX (No Data) (No Data) Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B-1 shows W2 income we did not use and also has SSI income I did not use to qualify

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B-1 and B-2 have been XXX for more than XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Both B-1 and B-2 Credit score of XXX exceed min 720 .
0699648486 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Provide XXX signature pages for personal and business tax returns. E file authorizations in file were not executed by borrowers. 7.30.18 - Client responded. Per lender guidelines, if tax returns are signed, stamped, or include a letterhead prepared by the XXX or a Preparer Tax Identification Number (PTIN), acceptable for underwriting.  
7.30.18 - Clayton has reviewed clients response and per guidelines agrees. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B-1 shows W2 income we did not use and also has SSI income I did not use to qualify

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B-1 and B-2 have been XXX for more than XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Both B-1 and B-2 Credit score of XXX exceed min 720 .
0703908889 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX Min 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXXyears.
0704120707 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0705235038 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $687,736.27, after closing cost assets are $455,340.07. [91.78 months PITI].

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX requires 720.
0706026808 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender Exception for Use of Business Funds for Down Payment Closing or Reserves. Customer owns business XXX% and the way income is reported on business returns supports business  and could be treated as Schedule C  where use of business funds to co-mingle business and personal expenses is typical with Schedule C type of business. Business has minimum liabilities and even with use of business assets for down payment, closing, and reserves, this will not adversely affect the daily operation. Compensating Factors: Overall credit profile is excellent with stable income in same line of business since XXX, assets of $183,875.77 supporting ability to save, ratios of XXX% with residual income $10,676.71/mo supporting ability to repay, excellent established credit since XXX with minimal use of revolving credit and excellent mortgage payment history with XXX since XXX and LTV/CLTV of XXX%. Non Material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $380,284.98 or 78.42 (12 months required)



CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years job tenure
0706026808 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Lender Exception in loan file for Landlord would not sign VOR. Have 10 months cancelled  checks. Compensating Factors: Property is located in a market with  stable or increasing values; High level or Residual Income Remaining after all monthly debt considered; documented savings pattern; long term employment; potential for increased earnings through promotion or new employment. Non Material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $380,284.98 or 78.42 (12 months required)



CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years job tenure
0706159325 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 680.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $675,396.64 or 76.63 months PITIA, guidelines required 9 months PITIA.
0706924815 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Guidelines requires earnest money deposit to be verified when amount received is above a customary amount. Final CD reflects an earnest money deposit of $XXXXXX.XX.  No documentation was located in file to verify the funds cleared borrowers account prior to close.  Provide satisfactory documentation to support the $XXXXXX.XX earnest money deposit was paid with borrowers own funds. 7.26.18 - Client responded. "Lender guidelines allows discretion in determining whether or not the source of funds to cover the EMD should be verified. In this case, the borrower had $XXXk verified liquid funds ($XXXk in total eligible assets) and needed $XXXXX at closing excluding the EM. The $XXX EMD represented about XXX% of the $XXX purchase price. The EMD doesn't appear excessive for the market or for the borrowers history of accumulated savings.  
7.26.18 - Clayton has reviewed clients response as well as guidelines and borrower had more then enough funds to cover EMD without actual verification it cleared. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $542,768.77.  Final CD reflects required funds to close, $XXX.  Final CD reflects $XXX earnest money deposit. No documentation located in file to verify cleared borrowers account prior to close. Guidelines require reserves or $38,706.93.  Post close reserves $306,407.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement of 680.
0708559280 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Both borrowers have stable employment.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers have good credit history.
0708578741 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No LE XXX Contact Information the state is not listed for the XXX number listed. CD issued XXX corrects this error. Exception satisfied. (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 44.43 months PITI cash reserves $438,223.24

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX has a median FICO score of XXX
0708578741 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3708 TRID - Curable Issue #2 related to the Closing Disclosure in file No CD XXX Calculating Cash to Close Adjustments and Other Credits figures charged; however, the reason for the change is not listed. CD issued XXX corrects this error. Exception satisfied. (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 44.43 months PITI cash reserves $438,223.24

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX has a median FICO score of XXX
0709421346 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $50,674.32 or 17.41 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX max per guidelines is 43%.
0709590973 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $259,659.74, or over 52 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is below guideline max of 43%.
0710918819 XXXXXX PA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Guidelines require a minimum of XXX active tradelines. Borrower tradelines = XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $378,999.03 or 48.90 months PITIA, guidelines required 9 months PITIA.
0711007464 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX, Calculating Cash to Close Section, Closing Costs Financed is $XXX and does not match the review calculation of $XXX. Difference is POC of $XXX (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; maximum LTV is XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $1,635,802.87 which is 193.48 months of PITI. Only requires 12 months [$8454.79 x 12= $101,457.48].
0711334582 XXXXXX CT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has exceptional Credit payment history
0712765367 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $163,375.26 or 26.80 months PITIA.
0713162404 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No File is missing evidence that the initial CD XXX was acknowledged at least 3 days prior to consummation date. Disclosure data master presently does not reflect this loan to confirm receipt; disclosure data worksheet does not contain the verification 7.25.18 - Client responded. Disagree. The Closing Disclosure was provided XXX The CD was confirmed (acknowledged) in XXX review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per methodology, this is the same as an “in hand” delivery.  This is not a testing defect so corrective action is not required. Copy of origination system Documents and Packages page showing the Confirm date is attached.
7.25.18 - Clayton has reviewed clients response and although subject loan was not reflected on Data Disclosure Master sheet an internal document has been provided that supports borrower opened email for CD dated XXX therefore verifying receipt. 		7.25.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $86,589.78.  Reserves required of $49,133.64 (12 x $4,094.47).  $449,665.03 remaining reserves after funds to close.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has more than XXX years at current job
0714743642 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum 680 score requirement
0715662239 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX: loan costs section: does not list the name of the provider for condo assn info fee only states tbd. Corrected
on final cd XXX.
Satisfied.		 (No Data) Exception satisfied. Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has XXX years in same profession

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has over XXX  years at current job
0715688072 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation XXXXX.XX closing costs XXX - POC XXX = XXX (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $119,916.62 or 22.67 months PITIA, guidelines required 9 months PITIA.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
0715717740 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0716232883 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Lender Exception for Borrower does not have XXX months Rental or Mortgage History. Compensating factors are significant increase in income as well as additional XXX in reserves over what is required. Low revolving debt usage. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum per guidelines of XXX.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has positive XXX income per XXX/XXX in file not using for qualification.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a strong XXX year credit history with XXX active trades and XXX closed trades and only XXX reported late in XXX.
0716561921 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Credit history reviewed XXX month with  XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 118.75 PITI cash reserves $473,820.27
0717659572 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0719459077 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% max 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Min credit score required 700.
0721706072 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No Closing Disclosure issued XXX: Calculating Cash to Close for field: Closing Costs Financed value is $XXX & Clayton's Calculation is $XXX  Difference is POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX%
0724177741 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment in current position.


CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history with limited use of revolving debt.
0725731995 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $387,774.75 in post-closing reserves, which is $387,774.75 more than the guideline required amount of $42,566.65 or 109 months in reserves

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 has been with current employer since XXX, years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX , which is XXX points higher than the guideline requirement of 680.
0727459228 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years as owner of XXXXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX dti
0729558823 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status due to missing XXX and business returns if applicable for Borrower XXX ax transcripts reflect business loss however no other documentation related to business loss was located in file. 8.1.18 - Client responded. At initial application, borrower disclosed he sold his company (XXX) to his current employer (XXX) and retained a XXX% ownership. Lender guidelines allow decisioners discretion to waive K-1s and business returns.  Lender obtained the most recent IRS tax transcript available; a Schedule E loss of -$XXXXX.XX was reflected.  Reducing qualifying income by loss (-$XXX.XX per month)  increases total debt ratio to XX.XX%, still below maximum permitted per lender guidelines. Decisioner satisfied transcript stipulation with no further documentation required.   Internet search of employer's XXX acquisition of XXX by XXX in XXX. See documentation attached.
8.1.18 - Clayton has reviewed clients response and guidelines. Reduction in income was made as required and this is acceptable. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.
0729558823 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXXXX.XX actual calculation XXXXX.XX
closing costs XXXXX.XX - POC XXXXX.XX = XXXXX.XX		 (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.
0729558823 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE XXX The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number (XXXXX.XX) rather than calculation XXXXX.XX - XXXXX.XX - XXXXX.XX = XXXXX.XX (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.
0729558823 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No XXX transcripts for Borrower 1 reflects a business loss on Schedule E of XXX). Provide XXX and XX and business returns if ownership interest is XXX% or greater.  Lender did not reduce earnings by the loss. No other documents were located in file to identify the company reflected on Schedule E and missing sufficient documents to calculate a full XXX mo. analysis. 8.1.18 - Client responded. At initial application, borrower disclosed he sold his company (XXX) to his current employer (XXX) and retained a XXX% ownership. Lender guidelines allow decisioners discretion to waive K-1s and business returns.  Lender obtained the most recent IRS tax transcript available; a Schedule E loss of -$22,533 was reflected.  Reducing qualifying income by loss (-$1,877 per month)  increases total debt ratio to XXX%, still below maximum permitted per lender guidelines. Decisioner satisfied transcript stipulation with no further documentation required.   Internet search of employer's XXX acquisition of XXX by XXX in XXX. See documentation attached.
8.1.18 - Clayton has reviewed clients response and guidelines. Reduction in income was made as required and this is acceptable. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement 80.00%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $282,714.64.  Final CD reflects required no funds to close.  Guidelines require no. reserves. XXX Open balance $XXX deducted from reserves. Post close reserves $278,597.64.
0730003334 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX Difference is POC of XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  max XXX, loans LTV is XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan requires 12 mo PITI reserves or $46,383.12 in assets. Borrower has $615,855.42 in total assets
0730242448 XXXXXX WI QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Minimum required per guidelines is 720.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $528,019.41 or 98.11 months PITIA, guidelines required 9 months PITIA.
0731398515 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX.  Section  Other Cost. Section F: Prepaid; Missing the number of months collected for 2nd half of property taxes. Corrected on subsequent PCCD XXX: Section Other Cost F. Exception satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is less than maximum allowed per guidelines of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0731995264 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID4801 TRID - LE:  In 5 Years:  Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No Total P&I is under disclosed by $-2,050.10 QC to review 8.6.18 - Client responded. Disagree.  Calculated In XXX Years Total Payment is $XXX which matches what is disclosed on the Loan Estimate.  Calculated In XXX Years Principal calculation is $XXX which matches Loan Estimate.  Investor sheet not provided for comparison.  This is not a testing defect so no corrective action is required.
8.6.18 - Clayton has reviewed clients response. Clayton Compliance Department has reviewed and input error corrected. 		8.6.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $268.754.97 Post cash Reserves $6,698.48 PITI; REO PITI is $3,435.83; 58.35 months PITI in reserves.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed in her current profession for XXX years.
0735685733 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE dated XXX Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX Exception Satisfied (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 33.60 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years in profession.
0735921845 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance Documentation Satisfied D A D A CMPDOC869 Mortgage not signed No Missing the Co-borrower signature from the mortgage and rider. 5.30.17 - Client rebuttal -  Unable to locate the Mortgage with co-borrowers signatures.  However still need the Co-borrower signature from the mortgage and rider. 5.30.17 - Exception remains.
8.16.18 - Client responded. Executed mortgage provided.
8.16.18 - Clayton has reviewed and copy of fully executed mortgage by bother borrower's provided.		 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $222,150.67 or 66.36 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX below guideline requirement of 43% by XXX%
0735921845 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance Right of Rescission Satisfied C A C A CMPROR114 ROR - Right of Rescission not executed by all title holders No File is missing a Right of Rescission Notice signed by the Co-borrower. 5.30.17 - Client provided the Co-Borrower Right of Rescission Notice.  However it is unsigned. 5.30.17 - Exception Remains
8.16.18 - Client responded. ROR for co-borrower provided.
8.16.18 - Clayton has reviewed clients response and confirmed ROR for co-borrower provided and signed.		 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $222,150.67 or 66.36 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX below guideline requirement of 43% by XXX%
0735921845 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX: Section Calculation Cash to Close; The stated Closing Costs Finance $XXXXX.XX does not equate to the amount based on the Reg's formula  $XXX. The difference is the closing cost paid before closing $XXX (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $222,150.67 or 66.36 months PITIA

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX below guideline requirement of 43% by XXX%
0737146717 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No PCCD: XXX, Section: Calculating Cash to Close, Cash to Close - Loan Estimate, is listed as XXX, however, Section: Calculating Cash to Close, review equals XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0737146717 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4253 TRID - CD: The Deposit value in the  LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number No PCCD: XXX, Section: Calculating Cash to Close, Deposit - Loan Estimate, Value: XXX is disclosed as a positive number. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0737146717 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4257 TRID - CD: The Seller Credits value in the LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a positive number No PCCD:XXX, Section: Calculating Cash to Close, Seller Credits - Loan Estimate, XXX is disclosed as a positive number. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0737146717 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No PCCD: XXX and CD:XXX, Section: Summaries of Transactions, Message: Adjustments and Other Credits review calculation equals (XXX); however, Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, is listed as XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0737146717 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4311 TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Non-Numeric Error found:
PCCD issued XXX under the Calculating Cash to Close section:
Loan Estimate values for Deposit: XXX; Seller Credits: XXX; and Adjustments and Other Credits: XXX should all reverse the "-" to read XXX;XXX; and XXX respectively to correctly calculate the Cash to Close.		 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $384,786.20 which is 62.71 of PITI. Only requires 12 months [$6136.10 x 12= $43,633.20].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0738253855 XXXXXX NH QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0738274899 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: $XXX Calculation, Value: $XXX.  Values do not match.  Difference is $XXX which is the Closing Costs Paid before Closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 100.78 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0738274899 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX  Calculating Cash To Close, Estimated Closing Costs Financed (Paid from your Loan Amount), Value: $(XXX).  Value is displayed as a negative number on the LE. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 100.78 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0738274899 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4229 TRID - CD: The Prepaids total amount disclosed in the CD Other Costs section does not equal its component parts No CD: XXX, Other Costs, Prepaids - Total – Borrower-Paid, Value: $XXX; Total Calculated, Value: $XXX.  Values do not match. Corrected on CD XXX Satisfied (2)   (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 100.78 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0738274899 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.17.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX A field review has been ordered. 7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 100.78 months

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%
0739331367 XXXXXX HI QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0740031046 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE Issued XXX. Section Additional Information About this Loan. The License ID is missing the State. Corrected on CD Issued XXX. Exception Satisfied (No Data) Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS2860: Good credit history
- Clayton Comments:  Both borrower have minimal credit balances and good payment history
0742239349 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX has been at same employer XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 213,471.04 in assets, needs 83,230.92 at closing, leaving 130,241 for reserves. Loan requires 60,033.60 in reserves
0744737919 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A B B A A B B A A B B A A Property Valuations Property Active B B B B PRVAPROP241 Property Type unacceptable under guidelines No Lender Exception Request: No Exceptions granted or implied within FF authority. Unacceptable property type.
Compensating Factors: XXX approved, no red flags, based on prior applications XXX% LTV allowed per matrix.		 (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is well below maximum allowed of 43%.
0745736747 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C B C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No CD dated XXX and executed XXX has a disbursement date of XXX. 8.20.18 - Client responded. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. 8.20.18 - Exception remains.
8.28.18 - Client responded. Corrected CD was provided.
8.28.18 - Clayton has reviewed clients response and disbursement date is now correct. 		8.28.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower shows over XXX months PITI reserves.
0745736747 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C B C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD dated XXX and executed XXX has a disbursement date of XXX. 8.20.18 - Client responded. Agree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX. Corrected CD with a disbursement date of XXX sent to the consumers is required to cure defect. 8.20.18 - Exception remains.
8.28.18 - Client responded. Corrected CD was provided.
8.28.18 - Clayton has reviewed clients response and disbursement date is now correct. 		8.28.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower shows over XXX months PITI reserves.
0745736747 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX Calculating Cash to Close,  Closing Costs Financed $XXX does not match Calculating Cash to Close, Review Calculation $XXX. Difference is POC's of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower shows over XXX months PITI reserves.
0745736747 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A C B C B A A C B C B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.3.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.9.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 8.9.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer since XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower shows over XXX months PITI reserves.
0746335355 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $523,650.49, after closing reserves remaining are $304,215.61. [50.37 months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0746653253 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX  months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median score of XXX for primary borrower.
0747216100 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0750301829 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX % below program requirement of 80.000%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX exceeds program requirement of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $241,440.45.  Final CD reflects required funds to close, $149,087.69.  Guidelines require reserves or $33,404.49.  Post close reserves $58,948.27.
0750579491 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close: Closing Costs Financed - Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close: Clayton Calculation -Value: XXX. Difference is POC of $XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $435,245.00 or 71.97 months PITIA, guidelines required 9 months PITIA.
0750579491 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit Legal Documents Satisfied D A D A CRDLGL101 Missing legal docs for senior or subordinate loan No Missing Subordinate Note. 1008 and UW Decision Summary indicate subordinate financing in the amount of $XXX 8.17.18 - Client responded. See attached 2nd note for $XXX
8.17.18 - Clayton has reviewed clients response and 2nd Note provided as required. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $435,245.00 or 71.97 months PITIA, guidelines required 9 months PITIA.
0751179157 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.
0752553197 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $72286.23 or 13.76 months ( 12 months required)

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower score of XXX exceeds guideline minimum by 24 points.
0755960673 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds 680 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline
0756969189 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Credit/Mtg History Satisfied B A B A CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No 3 trades required, borrower only has 2 9.19.18 - Client responded. Credit is sufficient, # of trade lines meet guideline requirements. Credit Report attached.
9.19.18 - Clayton has reviewed clients response and credit report reflects the minimum 3 active accounts as required. 		9.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX
0756969189 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Credit/Mtg History Satisfied D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Require complete XXX mo rental history, still need XXX thru XXX rental checks   9.19.18 - Client responded. Waiving the VOR payments is not allowed, but judgment regarding the number of months of payments verified is allowed per underwriting guidelines. Missing support docs for VOR attached to include monthly rent payments of $XXX to XXX  thru XXX and monthly rent payments of $XXX to XXX thru XXX along with a letter from the borrower.
9.19.18 - Clayton has reviewed clients response and rental history as required has been provided. 		9.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX
0756969189 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No The XXX , and the 1120s from XXX Missing from file for borrower 1. Do not see file extension in file for B1 2017. 9.19.18 - Client responded. XXX extension for B1 attached.
9.19.18 - Clayton has reviewed and 2017 extension provided as required. 		9.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX
0756969189 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3124 Loan documents do not meet guideline requirements No Per lender Guideline: One full appraisal completed by a certified appraiser and a Residential Valuation Services (RVS) Desk Review. Appraisal is in file, missing Residential Valuation Services (RVS) Desk Review. 9.19.18 - Client responded. Property and Appraisal Risk Analysis attached.
9.19.18 - Clayton has reviewed clients response and review provided as required by guidelines. 		9.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX
0756969189 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 9.20.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers need $XXX in reserves, borrowers have $XXX
0757076519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0757204988 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX
CD: XXX-1 [Last CD], Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX		 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 38%.
0757204988 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX
CD: XXX[Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX		 (No Data) (No Data) Non-Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 38%.
0757534570 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $103,779.92 in reserves or 22 months supported with XXXXX, XXXXX and XXXXX 401k statements in file. 6 months required.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX mid-score; 640 min required.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  XXX months of XXX consumer credit history; XXX months required.
0758609394 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID4243 TRID - CD: The Cash to Close amount disclosed in the CD Summary of Transactions section does not equal its component parts No CD: XXX, Section: Summaries of Transactions, Field: Cash to Close Total, CD Value: XXX system calculation is XXX. Difference is $XXX.

PCCD 7.12.18, Section Summaries of Transaction , Field Cash to Close Total is corrected. Exception satisfied.		 (No Data) Exception satisfied. Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history reviewed XXX month with 0x30.
0758609394 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.13.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.20.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX%

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history reviewed XXX month with 0x30.
0758660317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX [Last CD], PC CD XXX and  PC CD XXX. Other Costs, H- Other, Title Owner's Title Insurance is missing the Payee. (No Data) (No Data) Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of 80%.
0758660317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has 2 active tradeline. Minimum required per guidelines is 3. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of 80%.
0758660317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A B B C B B B C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.31.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.3.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 8.3.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 720.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Calculated LTV of XXX% is below maximum allowed per guidelines of 80%.
0760099635 XXXXXX NM QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $530,681.21.  Final CD reflects required funds to close, $106,137.84.  Guidelines require reserves of $28,219.59.  Post close reserves $396,323.78.


CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower 1 has XXX years XXX same line of work.  Borrower 2 has XXX  years same line of work.
0760396515 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked with employer for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months in reserves.
0760744981 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0761345254 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $578279.25 or 77.66 months which exceeds minimum requirement of 6 months.
0762320006 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance fee or fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $ XXX Recording Fees CD dated XXX. 8.23.18 - Client responded. Agree. The Recording Fees increased to $XXX on consummation CD issued XXX; however, the 3 day re-disclosure timing was not met. The date of knowledge was XXX . There was a $XXX Over Tolerance Credit in Section J of the consummation CD; however, it was applied to the increase in the Credit Report. The borrower would be due an additional refund in the amount of $XXX  Refund to the borrower of $XXX and new CD reflecting the $XXX additional over tolerance credit is required to cure the defect.  Remediation request in process XXX.
8.23.18 - Exception remains.
9.4.18 - Client responded. "Disagree with investor. The Recording Fees were disclosed as $XXX on the Loan Estimate issued XXX and increased to $XXX on the post-consummation CD issued XXX. There is an Over Tolerance credit in Section J of the post-consummation CD in the amount of $XXX to cure the XXX% over tolerance increase of $XXX in Recording Fees and the 0% over tolerance increase of $XXX in Credit Report Fees. No additional refund due to the borrower per Fee Tolerance review.  Copy of post-consummation CD is attached.  This is not a testing defect so no corrective action is required.
9.4.18 - Clayton has reviewed clients response and PCCD dated XXX has been provided and reflects reduction in recording fee from final CD to $XXX and lender credit for tolerance of $XXX of which $XXX covers the recording fee tolerance issue. 		9.4.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $128,581.67 or 36.90 months PITIA.
0762320006 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Guidelines require a minimum of 3 active tradelines. Borrower has one open trade line. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $128,581.67 or 36.90 months PITIA.
0763977636 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH104 Credit score below guidelines No Qualifying credit score is XXX. Required minimum per guidelines is 680.
Lender Exception for minimum credit score. Qualifying credit score is XXX. Compensating factors: Cash reserves exceed guidelines, Positive mortgage payment history and current line of work for XXX years.		 (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $XXX or XXX months which exceeds required minimum guideline of XXX months.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower mortgage payment history at current residence covers XXX months with zero reported lates.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.
0764157893 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $151,050.26 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0764836799 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Borrower qualified with gift funds of $XXX.  Gift letter and evidence $XXX was received by borrower was not located in file.  Evidence of $XXX being transferred to borrower was located in file however evidence of $XXX being received by borrower was not located in file. Provide fully executed gift letter and evidence of borrowers receipt of gift in amount of $XXX. 7.30.18 - Client responded. Gift Letter requirement was waived by a Lending Officer. Donor is the non-borrowing spouse (XXX) who will be taking title along with the borrower. Statements were obtained to document seasoned (acceptable) assets. Only evidence of $XXX was documented from XXX to XXX (of the $XXX which significantly exceeded the required funds to close. These funds were only used for cash to close and not calculated to meet the reserve (PCL) requirement. Supporting documents attached  
7.30.18 - Clayton has reviewed clients response and documents provided support cash to close and reserves. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $358,997.50.  Final CD reflects required funds to close, $XXX.  Evidence the $20,000.00 earnest money deposit reflected on Final CD was not located in file.  Deducted from available assets to determine post close reserves. Guidelines require reserves of $33,423.48.  Post close reserves $154,518.06.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0765931251 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, well below 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves equal $118,363.02 or 37.19 months PITIA reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score is XXX, exceeds min credit score requirement of 70
0765931251 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX [Last CD], Section: Summaries of Transactions (K) Line 11 the dates are not listed.  Please provide the dates or move the fee up to Line 05-07. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, well below 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves equal $118,363.02 or 37.19 months PITIA reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score is XXX, exceeds min credit score requirement of 70
0766191276 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.
0766383717 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX. Borrower XXX score is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  68 months reserves
0768591242 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Credit/Mtg History Active D B D B CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Initial XXX is showing current rent expense of XXX and an LOE signed/dated by borrower stating that she was renting in XXX. This California address is also listed on credit report. Missing a XXX for XXX  evidencing XXX. 8.23.18 - Client responded. Per Underwriter due to compensating factors, discretion was applied and VOR request waived. System notes: XXX (XXX) -XXX: LOE PROVIDED FROM THE BORROWER REGARDING THE ADDRESS VARIATION NOTED ON BANK STATEMENTS. THE BORROWER CURRENTLY HAS AN APARTMENT IN XXX AND THUS THE REASON TO PURCHASE A HOME VERSUS CONTINUE TO RENT. THE AMOUNT WAS NOT USED TO QUALIFY AS THE LOE STATES THAT THE LEASE WILL END AND NO LONGER BE A FACTOR ONCE THE HOME IS CLOSED. DISCRETION WAS USED SURROUNDING THIS BY THE UW AND NO FURTHER DOCUMENTATION WAS REQUESTED.
8.23.18 - XXX has reviewed clients response. Underwriting notes found in file This was not made as a lender exception but waived by underwriter with compensating factors and based on LOE from borrower. Considered non material. 		8.23.18 - Exception remains. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX MAX XXX

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  min fico XXX mid fico XXX
0771606420 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance Right of Rescission Active B B B B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a ‘substantially similar notice.’  Clayton’s view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the ‘substantially similar notice’ argument.  The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $524,990.73 or 115.84 months PITIA, guidelines required 9 months PITIA.
0771606420 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit LTV/CLTV Active B B B B CRDLTV3030 CLTV Exceeds Guideline Requirement by less than 5% No Lender approved exception exceeding CLTV Guideline Requirement of XX%. Lender approved CLTV at XXX%, exceeding guidelines by X.XXXX%. Compensating factors include XX months reserves and high disposable income. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $524,990.73 or 115.84 months PITIA, guidelines required 9 months PITIA.
0771606420 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender approved exception to guidelines to allow Cash Out refinance to be treated as a Rate Term Refinance due to buyout of person on title. Borrower is taking cash out to payoff a separated wife per HLU notes and signed letter from borrower and XXX in file.  Compensating factors include 40 months reserves and high amount of disposable income. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $524,990.73 or 115.84 months PITIA, guidelines required 9 months PITIA.
0773032528 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4342 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Adjustments and Other Credits but Did This Change? = Yes No CD XXX and XXX Calculating Cash to Close Section Adjustments and Other Credits is $XXX in LE field and $XXX in Final; Did this change? is marked yes, not true change since LE estimated (No Data) (No Data) Non-Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $275,543.81 or 73.11 months PITIA, guidelines required 12 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0773032528 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No All CD's, Other Costs Section E line 1 for recording fees include a $XXX Natural Hazard Report fee which should be in section H and not E. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $275,543.81 or 73.11 months PITIA, guidelines required 12 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0773032528 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No XXX% fees increased above tolerance; Need refund check to borrower in the amount of $XXX, LOX, and proof of delivery to borrower; zero tolerance was cured on final CD, $XXX  of XXX% tolerance cured, $XXX remains 8.6.18 - Client responded. Disagree. Ten percent baseline on initial LE issued XXX (001) included Recording Fees in the amount of $XXX  Recording Fees increased to $XXX on the CD issued XXX (006). It appears investor is including $XXX Natural Hazard Report in XXX% calculation; however, fee is not held to a tolerance. XXX percent fees increased in the amount of $XXX therefore a refund of $XXX would be due. Over tolerance refund of $XXX present in Section J of consummation CD issued XXX (007) to cure variance in XXX % tolerance category. This is not a testing defect so no corrective action is required.
8.6.18 - Clayton has reviewed clients response. Adjusted for Natural Hazard report fee and no tolerance issue. Additional exception fired as this fee is in the wrong section of CD. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $275,543.81 or 73.11 months PITIA, guidelines required 12 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0773381066 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXX Costs section, XXX /Deed portion one of the items is required to have a fee. (No Data) (No Data) Hybrid Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Loan has 0x30 days late on consumer history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months in cash reserves $XXX
0774505168 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $532,861.38 or 81.24 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0775536437 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A A A C B B B C B A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender Exception – Non HFI 3 mo Short Liquid PCL reduction by $XXX(XXX month.) No additional notes,
Comp Factors:  high level of residual income after all monthly debt considered.  Low front ratio ensures housing is most option in event of economic stress/life changes.  Long term employment.		 (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $post close reserves of $1,266,886.45.  Reserves required are 18 months PITIA  = $63328.14.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0775536437 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B C A A A C B B B C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.19.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.1.18- A Field Review was received with a reported value of XXXwhich supports the original appraised value of $XXX 8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $post close reserves of $1,266,886.45.  Reserves required are 18 months PITIA  = $63328.14.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0775992907 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0776270039 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated onXXX-1 [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
and Section: Calculating Cash to Close, Field: System Calculation, Value is listed as XXX. Values do not match. Should be a positive number or XXX/Blank. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $119,708.43 or 20.24 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.
0776270039 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE dated on XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value listed as XXX and should be a positive number or XXX/Blank if negative. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $119,708.43 or 20.24 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.
0776270039 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No CD dated XXX Closing costs financied reflected as negative number and should be positive or XXX/Blank if a negative number. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $119,708.43 or 20.24 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in current owner occupied residence for XXX years.
0776853802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: XXX; Calculation, Value: XXX. Values do not match. The difference is XXX POC's. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 Job tenure of XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 job tenure of XXX years
0776853802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit DTI Active B B B B CRDDTI105 Debt Ratio Exception 5% or Less No Lender exception for DTI of XXX which exceeds XXX max DTI allowed. Compensating factors are low CLTV of XXX, excess reserves and additional bonus income not being used. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 Job tenure of XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 job tenure of XXX years
0776853802 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender made exception for allowed cash out dollar amount. Compensating factors are low CLTV of XXX, excess reserves and additional bonus income not being used. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 Job tenure of XXX years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  B2 job tenure of XXX years
0777720574 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0779537352 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0779774590 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Missing documentation from employer stating borrower relocation to XXX. 8.21.18 - Client responded. See attached underwriting notes notating the relocation to XXX, paystub from XXX, and paystub from XXX. Paystub from XXX shows borrower paid from XXX office and paystub from XXX from the XXX office (where borrower was relocated to).
8.21.18 - XXX has reviewed clients response and underwriting notes explain relocation of borrower and supports paystubs from XXX and XXX. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX. Current score XXX

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of XXX years
0779999854 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No Missing XXX party fraud report. 7.17.18- Client responded. Attached find the Third Party Fraud Report that was not in the delivered PDF.
7.17.18 - XXX has reviewed and Fraud Report has been provided as required. 		7.17.18 - Exception satisfied. Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post closing cash reserves of $451,522.62 which exceeds required reserves of 6 months PITI or $19,495.02.
0780849884 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX and CD XXX: Loan Costs (A) Appraisal fee is missing Payee. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $105,777.58 or 16.94 months PITIA
0782622048 XXXXXX DE QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.16.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX. 8.16.18 - Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX/XXX with XXX for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has lived in primary residence for the past XXX years.
0785569992 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and CD: XXX,Section: Loan Costs: (B) - Missing XXX name for XXX. (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,923,997.18 or 541.47 months PITIA, guidelines required 9 months PITIA.
0785569992 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No XXX - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered. 7.27.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX. 7.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,923,997.18 or 541.47 months PITIA, guidelines required 9 months PITIA.
0788164452 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX below maximum XXX guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0788620379 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $689,960.50  verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX  DTI is below guideline requirement.
0789783978 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0790283946 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  CB w/same employer XXX plus years.

CFCFS2860: Good credit history
- Clayton Comments:  Both borrower have XXX credit/mortgage history
0790331614 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $155,302.79 or 57 months which exceeds guideline requirement of 6 months.
0790462945 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0790952202 XXXXXX MT QM: Safe Harbor QM: Safe Harbor B B A A B B A A B B A A B B A A Property Valuations Property Active B B B B PRVAPROP241 Property Type unacceptable under guidelines No UW Decision summary form indicates an exception was approved to allow property type of "A" Frame on a 2nd home; with a low LTV of approximately XXX on primary residence and established employment for XXX & XXX years respectively the exception is non material (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co borrower has been with same employer for XXX yrs
0791655629 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $187,975.10 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX DTI is below guideline requirement.
0792095185 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender Exception: Reserve requirements - borrower is short XXX months of PCL.
Comp Factors: Credit score of XXX; credit depth since XXX. Housing history timely. Non material. 		(No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0792703684 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX XXX moved section XXX fees to Section XXX without including the PAYEE...this was corrected on subsequent CD's. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified 185 payments in reserve after closing.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers credit report reflect no derogatory.
0792703684 XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Recording fees increased outside of tolerance without a COC or cure. 8.8.18 - Client responded. Agree. The Recording Fees increased from XXX to XXX on initial CD 004 issued XXX without a valid reason. There was no Over Tolerance verbiage disclosed in Section XXX of the Closing Disclosure. There would be a refund due to the borrower in the amount of XXX. On XXX, consumers were sent a corrected CD, cover letter and check for XXX as corrective action to cure defect. Copy of cover letter, check and corrected CD are attached.
8.8.18 - XXX has reviewed clients response and corrected CD, letter to borrower and check for XXX to correct error have been provided. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified 185 payments in reserve after closing.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers credit report reflect no derogatory.
0794447566 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX and LE XXX: NMLS and Contact Information Section, State for State License ID is missing for the Loan Officer. CD XXX corrects error, exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post cash reserves in the amount of $63,296.29; Subject PITI is $5,010.72; 12.63 months PITI in reserves.
0798170138 XXXXXX MN QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage reviewed XXX months XXX days late.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO score XXX.
0798850220 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0799232040 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.30.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX. 8.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with almost XXX years in current position.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have a good credit history with zero late payment.
0799252061 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Loan has a XXX LTV

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX.
0799834078 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0800168035 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $586,582 or 133.79 months which exceeds minimum required of 12 months.
0800261886 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC225 Missing Rider No Missing copy of Condo Rider 8.15.18 - Client responded. Condo Rider attached
8.15.18 - XXX has reviewed clients response and Condo Rider provided as required. 		8.15.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  12 mo piti required, 59,702.76, borrower has 315,033.77

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI allowed is XXX, DTI is at XXX
0801362810 XXXXXX SC QM: Safe Harbor QM: Safe Harbor D A C A D A A A D A C A D A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Insufficient hazard insurance amt. of XXX which includes the XXX extended coverage does not meet min. of loan amt. XXX or cost to rebuild per appraisal XXX. Missing proof of guaranteed replacement coverage or verbiage. Insurance company not found on list provided by Lender. 8.6.18 - Client responded. Insurance coverage is sufficient per lender guidelines. XXX insurance binder was provided and a verbal verification was obtained from the insurance agent confirming replacement cost coverage. See insurance binder and lender's verbal verification attached.
8.6.18 - XXX has reviewed the clients response and HOI documentation provided reflects sufficient coverage as required. 		8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  There are 56.52 months in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current ratio is XXX.
0801362810 XXXXXX SC QM: Safe Harbor QM: Safe Harbor D A C A D A A A D A C A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support appraised value of XXX 8.1.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX. 8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  There are 56.52 months in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Current ratio is XXX.
0802153807 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No XXX XXX tolerance due to increase in discount fee and extension fee without a valid CoC.
Requires corrected PCCD, copy of refund check, LOX and verification sent to borrower. 		7.20.18 - Client responded. Disagree. The XXX figure cited by the investor is broken down into XXX fees; XXX Tax Service fee, XXX Discount Points and XXX Extended Lock fee. The XXX Tax Service fee and XXX Discount Points were lender paid on the Final CD so no corrective action is required. Extended Lock fee of XXX (later reduced to XXX on the Final CD) was added to the LE issued XXX (XXX). The fee was added with a valid change circumstance of lock status change. The increase was approved in the origination system RESPA Changed Circumstance History screen and the disclosure was sent within timing. This is not a testing defect so corrective action is not required. Copy of origination system RESPA Changed Circumstance History screenshot attached.
7.20.18 - XXX has reviewed clients response and internal document to support COC was provided to borrower has been obtained. Although Tax Service Fee and Discount Points were not designated on final CD without (XXX) based on lenders attestation the fees are lender paid. 		7.20.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $502,005.12, which is 58.64 months of PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX. Actual DTI is XXX.
0802625466 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC3204 Income Documentation Missing No Exception Request per UW Decision Summary states brw receives XXX, XXX years tax returns only, per brw, no agreement as XXX were inherited. Due to compensating factors of low DTI, low LTV and XXX times the reserves required this is non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower as been XXX employed for over XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked in current profession for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been at current job over XXX years and in current profession for XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX is below guideline maximum of XXX.
0803011450 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0804371245 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment with XXX years in his position.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has XXX credit history with XXX credit usuage.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrowers have a low DTI at XXX.
0806512647 XXXXXX WA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered. 8.2.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX. 8.2.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post-closing assets in the amount of $648,511.68, which is 189.68 months of PITIA in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX. Actual DTI is XXX.
0810065078 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Guidelines require XXX (XXX) most recent years W2's to support employment history. XXX W2 for prior employment or W2 transcript from XXX was not located in file. Provide either XXX W2 or XXX Wage transcript for review. Hire date appears to be XXX per VVOE dated XXX. 8.8.18 - Client responded. Per lender guidelines, borrowers reentering the workforce after an absence of XXX, the borrower's income may be used to qualify if the borrower has been at the current employer for a minimum of XXX months and can document a XXX-year work history prior to an absence from employment. Borrower was employed at XXX from XXX - XXX was a homemaker from XXX - XXX then took a XXX position at XXX XXX XXX. W2's for XXX, XXX and XXX (XXX), XXX W2 and VOE XXXXXXX attached.
8.8.18 - XXX has reviewed clients response and documents in file support income and guidelines used for determining income for borrower. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $250,130.42.  Final CD reflects required funds to close, $127,815.27 plus $6,400.00 earnest money. Earnest money deposit was not verified in file and has been deducted from available reserves.  Guidelines require mos. reserves of $29,629.08.  Post close reserves $86,286.07.
0810065078 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Guidelines require XXX (XXX) most recent years W2's to support employment history. XXX W2 for prior employment or W2 transcript from XXX was not located in file. Provide either XXX W2 or XXX Wage transcript for review. Hire date appears to be XXX per VVOE dated XXX. 8.8.18 - Client responded. Per lender guidelines, borrowers reentering the workforce after an absence of XXX months or more, the borrower's income may be used to qualify if the borrower has been at the current employer for a minimum of XXX months and can document a XXX-year work history prior to an absence from employment. Borrower was employed at XXX from XXX - XXX was a homemaker from XXX - XXX then took a XXX position at XXX XXX. W2's for XXX, XXX and XXX (XXX), XXX W2 and VOE XXX attached.
8.8.18 - XXX has reviewed clients response and documents in file support income and guidelines used for determining income for borrower. 		8.8.17 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $250,130.42.  Final CD reflects required funds to close, $127,815.27 plus $6,400.00 earnest money. Earnest money deposit was not verified in file and has been deducted from available reserves.  Guidelines require mos. reserves of $29,629.08.  Post close reserves $86,286.07.
0811586104 XXXXXX UT QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $643,264.00 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX DTI below guideline requirement.
0811910087 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted. Section XXX. Employment Verification Fee and Verification Fee the payee says TBD. Corrected on Last CD dated XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $411,724.80 or 46.40 months PITIA, guidelines required 9 months PITIA.
0812037708 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $167,948.68 in post-closing reserves, which is $90,168.27 more than the guideline required amount of $77,780.41, or 30 months in reserves

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required.
0815629093 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0815631913 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has verified cash reserves of $07,918.06 or 77.41 months PITIA
0818233854 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceed minimum required per guidelines of XXX.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX is less than maximum allowed per guidelines of XXX.
0818310724 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX; guideline maximum is XXX.
0819811966 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No Missing copy of MTG/DOT for subject transaction on XXX; Copy in file is dated XXX 8.14.18 - Client responded. Attached find the final Security Instrument dated XXX.
8.14.18 - XXX has reviewed clients response and Mortgage provided as required. 		8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has owned current company for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0819811966 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX and Field: XXX Calculation, Value: XXX. Values does not match. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has owned current company for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0819811966 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4340 TRID - CD: The Closing Costs Financed value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX, this is disclosed as a negative number, should be positive. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has owned current company for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0819811966 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value: XXX, is disclosed as a XXX number, should be XXX. (No Data) (No Data) Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has owned current company for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0819811966 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B B B A A D B D B B B A A D B Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Per UW Decision Summary the lender approved the following exception(s) to policy:
Post Close Liquidity - Penalty Free Access
Exception to allow funds from penalty free retirement account for PCL. Risks: Short liquid PCL, using penalty free retirement assets to meet PCL.
Compensation Factors: Stable employment for brw XXX with XXX years, minor increase in housing of XXX/mo with demonstrated ability to manage pmt- Conservative use of revolving accts- Residual income of XXX/ mo - potential for increased earnings withXXX pension income of XXX per month not considered & potential for income from XXX XXX income (has history in same line of work) - additional net retirement funds of XXX not considered. PCL meets/exceeds guidelines at XXX mos vs. required XXX mos when penalty free retirement funds are used -With strong net equity in subject property, low LTV/CLTV, credit score exceeds guideline and significant time in profession Non Material Exception		 (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has owned current company for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of XXX exceeds minimum required per guidelines of XXX.
0820083233 XXXXXX MA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Insurance Amount to Cover Loan Balance No Loan Amount XXX. Homeowners declaration page indicates XXX dwelling coverage with a XXX extended replacement coverage (XXX) total coverage XXX. Appraiser did not perform a Cost Approach. Estimated value of the land unknown. Insurance Company not listed on list provided by Lender. 8.8.18 - Client responded. Insurance coverage is sufficient; Homeowners 3 Special Form (HO3). Evidence of insurance provided reflects adequate coverage. Losses to the dwelling will be paid on a replacement cost basis. Policy attached.
8.8.18 - XXX has reviewed clients response and HOI provided reflecting correct coverage. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Approximate XXX months payments required. Borrowers have XXX payments in reserves
0820583551 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active C B C B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception: Condo Project in Litigation
Comp Factors: Excellent mortgage history XXX dating back to XXX.
Strong asset profile.
Owns primary residence free and clear. 		8.14.18 - Client responded. XXX approved exception; Condominium - Litigation. Exception approved under the PCO delegated authority.
8.14.18 - XXX has reviewed clients response and this was a lender exception with compensating factors therefore non material. 		8.14.18 - Exception remains. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $173,679.21.  Reserves required of $73,646.64(18 x $4,091.48).  $2,066,496.49  remaining reserves after funds to close.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has more than XXX years at current job
0820746499 XXXXXX AK QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers untimely dated XXX and application date of XXX not within 3 business days as required. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $143862.20, or over 42 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, below max of 43%.
0820746499 XXXXXX AK QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX. Difference is POC of XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $143862.20, or over 42 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, below max of 43%.
0820746499 XXXXXX AK QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C A B B Property Valuations Property Satisfied C A C A PRVAPROP177 Property Issues Indicated No Completion Cert (Form 442) dated XXX states improvements have not been completed. Exterior painting XXX and driveway paving XXX is not complete. The lower level ADU is not completed per the requirements of the original appraisal. This area is in need of finish in the bathroom, completion of drywall finish and paint, completion of lighting and flooring and completion of the kitchenette. The estimated cost to complete this area is XXX. 8.28.18 - Client responded. Owners Notice of Completion attached indicating that on XXX, work was completed on the construction, alteration, or repair of the building or improvements located thereon by XXX, the original contractor.
8.28.18 - XXX has reviewed clients response and Notice of Completion provided. 		8.28.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close reserves are $143862.20, or over 42 months PITI.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, below max of 43%.
0822001214 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds XXX minimum score requirement

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX year employment stability
0822132971 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0822982384 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $1,598,952.25, after closing cost assets are $820,190.90 [82.35 months PITI].
0823231210 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value. 8.24.18- A Desk Review was received with a reported value of XXX which supports the original appraised value of XXX. 8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX is below max LTV of XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history is XXX, past XXX months.
0823322421 XXXXXX PA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $195,918.99.  Final CD reflects required funds to close, $121,358.90. Evidence the $15,000.00 earnest money deposit reflected on Final CD was not located in file.  Deducted from available assets to determine post close reserves. Guidelines require reserves of $27,646.47.  Post close reserves $31,913.62.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Qualifying DTI XXX below program requirement XXX.
0823345828 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.31.18 - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered. 8.6.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX. 8.6.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at XXX is over XXX points lower than the max DTI of XXX.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV/CLTV at XXX is over XXX points lower than the allows LTV/CLTV at XXX.
0824398569 XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No cd XXX: calculating cash to close screen: closing costs financed paid from your loan amount) total of XXX does not
equal XXX calculation total of XXX. Difference is XXX which is the paid before closing total.		 (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job- XXX years XXX months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months. Borrower has 50 monthls
0825690565 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0827067999 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan requires 12 mo reserves.  Borrower has reserves of $212,914.99, or over 42 months PITI.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has paid mortgage on time for XXX months.
0828523608 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0829835279 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $4,331,586.99.  Final CD reflects required funds to close, $174,938.06.  Guidelines require reserves of $44,044.92.  Post close reserves $4,112,604.01.
0833182988 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Mid Fico XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX
0833391569 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Assets Active C B C B CRDAST115 Cash reserves do not meet guidelines No Lender Exception for short reserves: Verified reserves of $XXXXX.XX are insufficient for required X.XX months reserves of $XXXXX.XX. Short post close reserves of X.XX mos. Min required per guides =X.XX mos. Verified X.XX mos. Compensating factors are low DTI prior mortgage history of XXX years paid as agreed and income from XXX not being used to qualify. 8.9.18 - Client responded. Lender approved a tracking exception to allow a XXX reduction to lender's PCL requirements on XXX. Exception was approved due to compensating factors noted.
8.9.18 - XXX has reviewed clients response and based on compensating factors considered non-material. 		8.9.18 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years current job time

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX Max XXX
0833391569 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Legal Documents Active D B D B CRDLGL100 Legal document incorrect or incomplete No Subject property address is incorrect on the following legal documents: Note, Mortgage, Flood cert., final 1003. Currently reads as: XXX. Should read: XXX as per Title in file 8.9.18 - Client responded. The word 'XXXXXXX' was erroneously repeated in the property address field of the lender's system of record. As a result, loan documents generated by lender reflect an incorrect property address. The Legal Description Exhibit A in the recorded mortgage reflects the correct property address of XXX. Copy of mortgage document attached.
8.9.18 - XXX has reviewed clients response. As this was an apparent doc system issue and title reflects correct address this is considered non-material. 		8.9.18 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years current job time

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX Max XXX
0833474932 XXXXXX RI QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Compliance Municipal Consumer Protection Satisfied D A D A CMPMUCP1463 XXXXXXX - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file No Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file. 7.30.18 - Client responded. Unable to procure However this Disclosure was not on the state disclosure list and it appears this was not required document .
7.30.18 - XXX has reviewed clients response and per XXX not a required document. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX
0833474932 XXXXXX RI QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Compliance State Consumer Protection Satisfied D A D A CMPSTCP1297 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file No XXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file. 7.30.18 - Client responded. Duplicate -Unable to procure. However this Disclosure was not on the state disclosure list and it appears this was not required document .
7.30.18 - XXX has reviewed clients response and per XXX not a required document. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX
0833474932 XXXXXX RI QM: Safe Harbor QM: Safe Harbor D A A A C A D A D B A A C B D A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.3.18 - A Desk Review was received with a reported value of XXX which is a variance of XXX less than the original appraised value of XXX. A field review has been ordered. 7.30.18- A Field Review was received with a reported value of XXX which supports the original appraised value of XXX. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX
0834096936 XXXXXX MD QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $XXX refund due to increase in appraisal report without a valid reason at or prior to closing. No XXX was provided and was not listed on Change of Circumstance spreadsheet. 8.1.18 - Client responded. "Disagree. The LE issued XXX disclosed an increase in the Appraisal fee in the amount of $XXX, with a valid Change Circumstance reason of an additional appraisal being required due to the expiration of the original, and meets XXX day timing.  Copy of Changed Circumstance is attached.  This is not a testing defect so no corrective action is required.
8.1.18 - Clayton has reviewed clients response and XXX provided for increase as required. 		8.1.18 - Exception satisfied. (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Bonus income on XXX VOE not included in income

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years XXX months on current job
0834483262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3564 TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file No LE: XXX, The LE has been re-disclosed but without the reason(s) for the re-disclosure documented sufficiently in file. Price range protection confirmation found in file showing the changed loan amount and interest rate but cannot confirm within XXX days of re-disclosure. Disclosure tracking not in file. 7.26.18 - Client responded. Disagree. XXX cited Loan Estimate provided on XXX had been re-disclosed but without the reason(s) or sufficient documentation in file.  On XXX, loan was Price Protected with loan locked at an interest rate of XXX%; loan amount increased to $XXX. Copy of the origination system Pricing History screen shot confirming the price protection (rate lock) and changed loan amount is attached.  This is not a testing defect so corrective action is not required.
7.26.18 - Clayton has reviewed clients response and rate lock provided to support reason for subsequent LE. 		7.26.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX month in reserves.
0834483262 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C A C B B B A A C A Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception:  Insufficient Credit and cash payment rental history with no proof of payments. Letter from landlord provided to verify on time rental payments as well as compensating factors of low DTI and double reserves required therefore non-material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX month in reserves.
0834541058 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job- XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower have 105 months of reserves
0835839159 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Number of trade lines does not meet guidelines requirements. Guidelines requires XXX tradelines, Borrower number of tradelines is XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $141,131.08 or 28.20 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0835839159 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Income/Employment Active B B B B CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Guidelines requirements is VVOE within XXX days of closing. Verbal Verification of employment dated XXX for Borrower and XXX for Co Borrower, Loan closing date is XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $141,131.08 or 28.20 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0836125019 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on job

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX median score
0836885129 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4262 TRID - CD: The Total Closing Costs (J) value in the  LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number No The Total Closing Costs (J) value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number. This number should be displayed as a negative number, A revised CD with LOX and verification both were sent to borrower required. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job since XXX.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job since XXX.
0836885129 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4376 TRID - CD: The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number No The Payoffs and Payments value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number This number should be displayed as a negative number, A revised CD with LOX and verification both were sent to borrower required. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job since XXX.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job since XXX.
0836885129 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID4239 TRID - CD: The CD Calculating Cash to Close (Alternative Version) CD column total does not equal its component parts No Data inputs match those provided on CD. Corrected on PC CD dated XXX. Exception satisfied 7.23.18 - Client responded. Agree.   The CD Calculating Cash to Close (Alternative Version) CD column total does not equal its component parts.  Corrected CD was sent to the consumer XXX.  No further corrective action is required.
7.23.18 - Clayton has reviewed clients response and exception was satisfied with PCCD dated XXX. 		7.23.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job since XXX.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job since XXX.
0836885129 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID4264 TRID - CD: The Closing Costs Paid Before Closing value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No The Closing Costs Paid Before Closing value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number. Corrected on PC CD dated XXX. Exception Satisfied 7.23.18 - Client responded. Agree.  The Closing Costs Paid Before Closing value in the Final column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number of $XXX instead of a positive number.  Corrected CD was sent to the consumer XXX.  No further corrective action is required.
7.23.18 - Clayton has reviewed clients response and exception was satisfied with PCCD dated XXX. 		7.23.18 - Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job since XXX.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job since XXX.
0836885129 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No The orig file does not contain a third party fraud report. 7.17.18 - Client responded. Attached find the Third Party Fraud Report that was not in the delivered PDF.
7.17.18 - Clayton has reviewed and Fraud Report provided as required. 		7.17.18 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have post-closing assets in the amount of $215,884.91, which is 64 months of PITI in reserves.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%.  actual DTI is XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job since XXX.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been on current job since XXX.
0838612020 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Per UW decision summary form the lender approved an exception to policy for length of mortgage/rental history (insufficient) Lender made an exception for the rental history (borrower lived with relative for XXX months). With residual income of XXX, low revolving debt & over XXX years in current profession. Non Material Exception (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.
Coborrower score is XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% is below XXX% max for loan
0839645185 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0842346846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated XXX, Closing Costs Financed (Paid from your Loan Amount) reflects $XXX. The actual total is $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's LTV of XXX% is XXX% less than required XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.
0842528024 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0843284060 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $362,457.82 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0843476446 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX% is below the maximum  allowable LTV of XXX%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX%; max allowable is XXX%.
0844111679 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $198,793.03 in post-closing reserves, which is $156,536.27 more than the guideline required amount of $42,256.76, or 56 months in reserves

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline max of XXX%
0846187492 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Recording Fees are not itemized . Corrected on CD Issued XXX. Exception satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $189,693.33 or 43.80 months PITIA, guidelines required 9 months PITIA.
0850050609 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No List of Providers delivered on XXX and there is an application date of XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower has been with current employer for almost XXX years. Paystubs in file from XXX - YTD XXX show a consistently increasing annual bonus is received.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is below guideline maximum of XXX%.
0852693617 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance Documentation Satisfied D A D A CMPDOC806 Notary Status is missing No Missing Notary Status from signed Deed of Trust. 8.21.18 - Client responded. See attached Mortgage/DOT with Notary page
8.21.18 - Clayton has reviewed clients response and Notary page has been provided. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,008,753.14 or 74.58 months PITIA, guidelines required 9 months PITIA.
0852693617 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX, Section: Calculating Cash to Close contains formatting that does not comply with the Regulation due to Adjustments and Other Credits - Change Reason is missing.

Satisfied on PCCD XXX, # XXX & XXX.
2. CD: XXX, Section: Other Costs contains formatting that does not comply with the Regulation due to F. Prepaids - Homeowner's Insurance missing payee and H. Other - Natural Hazard Disclosure/Report missing payee.
3. CD: XXX [Last CD], Section: Other Costs contains formatting that does not comply with the Regulation due to  H. Other - Natural Hazard Disclosure/Report missing payee.		 (No Data) (No Data) Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $1,008,753.14 or 74.58 months PITIA, guidelines required 9 months PITIA.
0853252601 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $71,597.67 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0853451215 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX- Section Calculation Cash to close; Closing Costs Financed value $XXX Clayton calculated value $XXX. The difference is the POC of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $951,487.03 or 284.59 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is XXX%; max allowed per guidelines is XXX%.
0853493505 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.18.18 - A Desk Review was received with a reported value of XXX0 which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.27.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.27.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence for XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  57 months of reservers
0855089407 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Non Numeric Error
CD XXX and XXX:  Other Costs – Section E – recording fees are not itemized.		 (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below XXX% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum XXX score requirement
0857682927 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  borrower has paid on time for over XXX months
0858597185 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has bonus income documented on paystub not used in income

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has over XXX years on current job
0858831854 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0859006934 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower has XXX open trade lines, which less than guideline minimum of XXX trade lines. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX, for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  History of satisfactorily maintaining similar level of housing expense.
0859006934 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3124 Loan documents do not meet guideline requirements No Lender exception made for XXX One - A single entity which is the project's original sponsor is the owner of XXX of the XXX units in the project or XXX%, which is greater than the maximum XXX%. Compensating factors include XXX years with current employer, low DTI of XXX%, high residual income and reserves well over what is required. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX with XXX, for the past XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  History of satisfactorily maintaining similar level of housing expense.
0860257579 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $94,081.52 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0860714860 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $180,659.00 or 38.04 months ( 12 months required)

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX, Min XXX.
0861025234 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $63,680.47 or 20.01 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is XXX%.
0862155272 XXXXXX WA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD XXX, Other Costs, Section F  - Payee missing for Homeowners Insurance Premium. Corrected on subsequent CD dated XXX. Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job XXX years XXX months

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 31 months
0863141973 XXXXXX OH QM: Safe Harbor QM: Safe Harbor C B C A A A B B C B C A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD issued on XXX, under the Summaries of Transactions section K, has a date improperly formatted for Assessments under Adjustments for Items Paid by Seller in Advance. (No Data) (No Data) Hybrid Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have XXX years XXX months at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit.  Copy of check in file however written after statement end dates.  Earnest money funds deducted from available reserves. Guidelines require reserves of $59,825.40.  Post close reserves $291,884.06.
0863141973 XXXXXX OH QM: Safe Harbor QM: Safe Harbor C B C A A A B B C B C A A A B B Credit Credit/Mtg History Satisfied C A C A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Documentation to validate the Time Share Maintenance expense of $XXX used to qualify was not located in file. Provide satisfactory documentation to support the expense used to qualify. 8.8.18 - Client responded. Documentation to validate the time share maintenance expense used to qualify attached. The annual maintenance fee was $XXX / XXX = $XXX monthly.
8.8.18 - Clayton has reviewed clients response and documentation provided to support maintenance fee debt. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have XXX years XXX months at current residence.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $XXX.  Final CD reflects required funds to close, $XXX plus $XXX earnest money deposit.  Copy of check in file however written after statement end dates.  Earnest money funds deducted from available reserves. Guidelines require reserves of $59,825.40.  Post close reserves $291,884.06.
0863332801 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX, Section : Other Cost H. Is missing payee for Sewer Lateral fee. Exception corrected on subsequent Final XXX. Exception satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for XXX yrs.
0863332801 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A C A B B C B A A C B B B Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No XXX A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.   7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for XXX yrs.
0865728848 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has XXX years in same profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below guideline requirement of XXX% by XXX%
0865862600 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX AND Field: Clayton Calculation, Value: XXX, Difference is POC's of $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.
0865862600 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Income/Employment Active B B B B CRDINC126 Length of employment/self-employment does not meet guidelines No Provide evidence of XXX% ownership of XXXX and XXX (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.
0865862600 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Legal Documents Active B B B B CRDLGL100 Legal document incorrect or incomplete No Lender Exception for Cash Out on Owner Occupied XXX. Exception for Unacceptable property type. Cash Out on XXX units; primary residence located in XXX. Compensating Factors: XXX% of the properties within XXX mile radius of subject are XXX units.. it is typical & common for the area; paying off existing XXX HELOC $XXX(opened XXX) then modifying from $XXX to $XXX re-subordinating  housing payment, decreasing  from $XXX/month to $XXX/month subject was acquired XXX/XXX, total  of XXX properties owned (primary + XXX rentals), only XXX financed, XXX aggregate financing= $XXX, customers are XXX & both are XXX. XXX using rental income to qualify... property was listed on both XXX and XXX tax returns for XXX days each.. customer has at least XXX years of XXX experience; strong overall XXX profile... low LTV/CLTV, strong reserves, strong equity in real estate owned, strong gross retirement savings, strong residual income, minimal revolving debt/use/no installment debt, existing XXX customer, long term employment profession, fixed product. ATR met. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.
0867284006 XXXXXX PA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 9.12.18- An Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 9.12.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $1,850,855 in reserves, borrower needs $64,360.80

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV allowed XXX%, loan closed at XXX%
0867751689 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD: XXX, Section: Other Fees, Field: H. Other, line XXX, optional designation missing from borrower paid Home Warranty fee. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX%, which is XXX% less than the guideline max of XXX%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $427,448.43 in post-closing reserves, which is $351,578.35 more than the guideline required amount of $75,870.08, or 67 months in reserves

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history is for XXX months; exceeds XXX months.
0867904980 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement XXX.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $925,255.01.  Final CD reflects required funds to close, $487,818.49 plus $10,000.00. Documentation to verify $10,000.00 earnest money was not located in file.  Funds were deducted from available reserves. Guidelines require reserves of $42,563.43.  Post close reserves $384,873.09.
0867932150 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing VOR and/or cancelled checks for borrower's previous residence verifying sufficient rental/mortgage history. Borrower recently purchased subject property in XXX. 8.21.18 - Client responded. VOR for borrower's previous residence attached. This was a cash XXX loan from purchase XXX on subject property XXX. Borrower paid all cash for the property. Settlement statement attached.
8.21.18 - Clayton has reviewed clients response and credit supplement verifying rent for pervious residence provided. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves  over $XXX
0867932150 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Credit/Mtg History Satisfied C A C A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Lender is missing the CD for the sale of property located at XXXs Ave showing a pending sale on the 1003 and excluding from the ratios. Provide the CD from closing.
 		 8.21.18 - Client responded. Property located at XXX was pending sale (sold after close). This property was owned free and clear. Property taxes and insurance were included in the ratios.  
8.21.18 - Clayton has reviewed clients response and although sold after subject closed the Settlement Statement verifies there was no lien against the property and it was free and clear outside property taxes and HOI. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves  over $XXX
0867932150 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Credit/Mtg History Satisfied D A D A CRDCRMH149 Missing support docs for VOM/VOR (e.g. cancelled checks) No Lender is missing the VOR history for the last 12 months at XXX. Final 1003 indicates that borrower previously rented there for XXX plus years. 8.21.18 - Client responded. VOR history at XXXXXXX (previous residence) attached.
8.21.18 - Clayton has reviewed clients response and credit supplement verifying rent payment for XXX months provided. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  verified cash reserves  over $XXX
0868383880 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as XXX for the past XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for the past XXX years XXX months.
0869393649 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves verified exceeded guidelines by 62 month of PITI.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time on Job.
0871195932 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER3262 Property issues indicated No Lender Exception - Waive Addendum for XXX or XXX review the XXX lease and it was declined
UW decision summary form indicates a lender exception was issued for XXX Lease to be waived, low liquid assets, selling departure residence, seasoned homeowner, mortgage paid XXX, combined monthly decreasing by $XXX, and long term employment history. Non material. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX. Minimum credit score for this program is 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX%. Max DTI for this program is 38.00%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower with current employer for XXX years and XXX months.
0872131759 XXXXXX NY QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Active C B C B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception: XXX Commerical Use Requirement Credit Risk Class Invalid (Z) or Insufficient (S)
DECISION:  XXX is approving exception request for XXX commercial use & insufficient credit plus tracking request for qualifying ratios.
Comp factors: good residual income; long term employment/profession.  Additional retirement assets not used, limited credit user. Excellent VOR in addition to paid as agreed on the one open tradeline XXX% down payment.		 8.14.18 - Client responded. LVAM approved exceptions; 1- XXX Commercial Use Requirement  2- Credit Risk Class Invalid (Z) or Insufficient (S). Exceptions approved under the XXX delegated authority.
8.14.18 - Clayton has reviewed clients response and as this was a lender exception with supporting compensating factors it is considered non-material. 		8.14.18 - Exception remains. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan LTV of XXX% is below maximum allowed of XXX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  The Borrower has 106,485.08, or 13.94 months post close reserves, exceeding 12 month requirement.
0873079287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing XXX K1 for XXX/XXX. 7.23.18 - Client responded. XXX K-1 for XXX/XXX, XXX was not required. Lender guidelines allow discretion to waive K-1s. XXX/XXX is a family owned partnership that borrower has a XXX% ownership interest as documented by XXX K-1s in file. No qualifying income was used from this entity and ratios are well within credit policy with loss deducted from total qualifying income.
7.23.18 - Clayton has reviewed clients response and verified guideline as well as income was not used from XXX to qualify. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.
0873079287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No XXX Feedback Cert reflects XXX #XXX with balance $XXX was used to qualify however per guidelines since this is a XXX account and the borrower is not XXX% owner of the XXX the funds would not be an allowable source. Reviewer has not included the balance in verified assets.

Short $XXX liquid assets.		 7.23.18 - Client responded. Concur that XXX #XXX is a business account for XXX and borrower has only XXX% ownership. However, borrower has two other personal accounts: XXX #XXX balance $280,627 and XXX #XXX balance $167,022 totaling $447,649 that exceed the required funds to close ($287,886) and required reserves ($43,528). Asset statement(s) attached  
7.23.18 - Clayton has reviewed clients response and added in personal accounts from provided asset statements. Subject loan now meets cash to close and reserve requirements. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.
0873079287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Provide XXX K1 for XXX / XXX for review.  XXX K1 provided reflects an overall loss from XXX.  Guidelines require a 24 mo analysis. 7.23.18 - Client responded. 2016 K-1 for XXX/XXX was not required. Lender guidelines allow discretion to waive K-1s. XXX/XXX is a family owned partnership that borrower has a XXX% ownership interest as documented by XXX K-1s in file. No qualifying income was used from this entity and ratios are well within credit policy with loss deducted from total qualifying income.
7.23.18 - Clayton has reviewed clients response and verified guideline as well as income was not used from XXX to qualify. 		7.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Qualifying LTV XXX% below program requirement XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.
0874024776 XXXXXX TX QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX. Calculating Cash to Close LE table Cash to close does not match on final CD to final LE. 		(No Data) (No Data) Non-Numeric Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has worked XXX years in XXX profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's mid score of XXX  exceeded the guideline requirement of XXX by XXX points.
0874677846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR dated XXX was signed XXX and the expiration date was changed and initialed to XXX; XXX business days would allow for the earliest disbursement date of XXX; loan disbursed XXX. 8.22.18 - Client responded. Disagree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX was sent to the consumers XXX.  Copy of corrected CD with cover letter is attached.
8.22.18 - Clayton has reviewed clients response and updated CD provided with disbursement date of XXX. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.
0874677846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance Right of Rescission Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR dated XXX was signed XXX and the expiration date was changed and initialed to XXX; XXX business days would allow for the earliest disbursement date of XXX; loan disbursed XXX. 8.22.18 - Client responded. Disagree.  ROR is in compliance.  Disbursement date on Final CD executed by consumers on XXX is XXX.  Per system of record, actual disbursement date is XXX.  Corrected CD with a disbursement date of XXX was sent to the consumers XXX.  Copy of corrected CD with cover letter is attached.
8.22.18 - Clayton has reviewed clients response and updated CD provided with disbursement date of XXX. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.
0874677846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, Value of $XXX does not match Clayton Calculation, Value of $XXX. Difference is $XXX, Closing Costs Paid Before Closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.
0874677846 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B B B A A C B C B B B A A C B Credit Credit/Mtg History Active B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Lender Exception: Per guidelines, borrower can have more than XXX mortgaged properties with the following exceptions; greater than XXX financed properties are allowed for primary residence only when reserves equal at least XXX% of the loan amount or LTV / CLTV is XXX% or less. PCO / XXX approval is required.
Comp factors:  LTV is below max of XXX% at XXX%.  Excellent mtg history since XXX. Longtime XXX employment. Strong equities in properties. Non material. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified post- closing reserves of $351,131.24; per guidelines, $98,055.84 is required for 12 months subject PITI.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for XXX years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below max allowable per guideline of XXX%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Primary borrower credit score of XXX is above guideline min of XXX for cash-out refinance.
0875110896 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3776 TRID - LE or CD does not meet TRID requirements No Final CD dated XXX missing page 2 , please provide missing complete final CD dated XXX Once reviewed additional exceptions may arise. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.
0875180264 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Cash reserves of $192,683.17 or 33.31 months (12 months required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job tenure of XXX years
0875225617 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Co-borrower has been in current profession for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $564,500.05 or 129.54 months which exceeds 6 months guideline.
0875535391 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower 2 is primary wage earner and has 1 active trade. Borrower 1 has one active trade. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has been with current employer for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Calculated DTI of XXX% is below guideline maximum of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds guideline minimum of 680.
0879476504 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $147,902.88.  Reserves required of $54,352.68 per feedback certification. $225,945.36  remaining reserves after funds to close.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX years at current job.
0880425542 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 50.80 months PITI cash reserves $175,475.95


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX per review.
0880760163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Right of Rescission : Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a ‘substantially similar notice.’ Clayton’s view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the ‘substantially similar notice’ argument. The majority of XXX. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a non-material condition in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score of XXX exceeds guideline requirements of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX LTV below guideline requirements of 80%
0880760163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero percent tolerance fee of $XXX due to increase in % of Loan Amount (Points). Missing COC, COC in file dated same date as LE XXX only states Change Circumstance affecting Settlement Charges: Other. Line for choosing rate lock and dependent charges was not checked and only COC in file. 8.22.18 - Client responded. Agree. Discount points in the amount of $XXX were added to the subsequent LE issued XXX with a valid change circumstance of Rate Lock per file evidence; however, rate was locked on XXX  and LE with Discount Points was not re-disclosed to borrower until XXX. Re-disclosure does not meet required 3-day timing. The borrower would be due a refund of $XXX for XXX percent category fees increase.  Refund to the borrower of $XXX and new CD reflecting the $XXX over tolerance credit is required to cure the defect.  Remediation in process XXX.
8.22.18 - Exception remains. 9.4.18 - Client responded. "Disagree with investor. Discount points in the amount of $XXX were added to the subsequent Loan Estimate issued XXX with a valid change circumstance of Rate Lock per file evidence; however, rate was locked on XXX. Locked Loan Estimate issued XXX has been submitted by the correspondent lender on XXX disclosing the addition of Discount Points and meets timing. The borrower would not be due a refund.  Copy of Loan Estimate dated XXX is attached.  This is not a testing defect so no corrective action is required.
9.4.18 - Clayton has reviewed clients response and COC for rate lock and lock itself reflecting the Discount Fee provided. 		9.4.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score of XXX exceeds guideline requirements of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX LTV below guideline requirements of 80%
0880760163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE: XXX Section: General LE Information. The CD is e-signed but there is no evidence of email receipt.
LE: XXX Section: General LE Information. The CD is e-signed but there is no evidence of email receipt.  		 8.22.18 - Client responded. Copy of e-delivery consent form is attached.
8.22.18 - Clayton has reviewed clients response and e-consent provided. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score of XXX exceeds guideline requirements of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX LTV below guideline requirements of 80%
0880760163 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied N/A A N/A A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD: XXX, Section: General CD Information, Field: Was the delivery method via email?, Value: Yes
CD: XXX Section: General CD Information, Field: Evidence applicant consented to e-mail delivery prior to such delivery in the file?, Value: No		 8.22.18 - Client responded. Copy of e-delivery consent form is attached.
8.22.18 - Clayton has reviewed clients response and e-consent provided. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  credit score of XXX exceeds guideline requirements of 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX LTV below guideline requirements of 80%
0881049732 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer since XXX years.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage payment history is for XXX months when XXX months are required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $413,653.82 in post-closing reserves, which is $279,147.84 more than the guideline required amount of $134,505.98, or 36 months in reserves
0884429066 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with XXXXX for over XXX years

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer has over XXX months of mortgage payment history paid on time
0884612900 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0884744628 XXXXXX MD QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance State Consumer Protection Active B B B B CMPSTCP2129 MD Counseling Notice not in file No XXX counseling Notice not in file (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 32 months PITI.
0886100473 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets are $672,559.71, after closing reserves remaining are $547,396.72. [150.31 months PITI]

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0887034000 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum 680 score requirement

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has XXX year employment stability
0887287177 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XX.XX.XXXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XX.XX actual calculation
closing costs XXX- POC XXX= negative XXX which should be disclosed as $XXX		 (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $422,372.90 verified cash reserves exceed guidelines.
0888004779 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Assets Satisfied A A A A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Provide the XXX for account XXX, to use IRA distribution income.  Only the December XXX statement is in file. 7.18.18 - Client responded. The  XXX  statement  act# XXX is in the PDF on pages 406-449.  The only activity listed on the statement is the amount for the income distribution and it does have the beginning Value (that matches the December statement)  and the ending Value. Attached is the XXX letter and Underwriting Decision Summary that explains the IRA Distribution income calculations used and the XXX shows income distributions per the two consolidated statements with this account listed (XXX).
7.18.18 - Clayton has reviewed the documents provided and IRA Distribution income is supported. 		7.18.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.
0888004779 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No XXX with inadequate reserve funding XXX% and insufficient XXX Coverage $XXX.  Lender exception approved in file. 5.20.17 Lender provided NPRES approval which states coverage needs to equal entire balance of operating and reserve accounts $XXXXX.XX. Lender approved exception in file. Non Material.
11/05/18: Upon further review, clarification docs provided show the HOA budget to be XXX, of which XXX is allocated for contingencies that is separately from the operating account. This amount exceeds the requirement for the maintained XXX.		 5.20.17 Exception remains.
11/05/18: Exception satisfied		 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.
0888004779 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3124 Loan documents do not meet guideline requirements No Appraiser states the HOA has not been turned over to the homeowners and the developer is in still in control. Provide evidence the HOA has been turned over. 5.14.17 Client rebuttal states exception was approved by Lender. However, exception remains
11/05/18: Upon further review, clarification documentation provided shows the subject is currently in phase 3 of 7. Units sold based on total phases is XXX%. Developer retains control on uncompleted units (which is typical per appraiser), however HOA budget is in place with budget in excess of XXX. HOA also has separate allocated contingency account in excess of XXX. This amount is above the required fidelity bond amount of XXX		 5.14.17 Exception remains
11/05/18: Exception satisfied		 (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.
0888004779 XXXXXX NY QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Property Valuations Property Satisfied D A D A PRVAPROP132 Missing HOA Certificate/Questionnaire No Missing HOA Certificate/Questionnaire. 5.20.17 Client provided XXX approval of project. 5.20.17 Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Ltv is XXX% which is XXX less than the guideline requirement of 80.0%

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than guideline requirement of 43.0%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $738,540.41 in post-closing reserves, which is $686,731.97 more than the guideline required amount of $51,808.44, or 171 months or reserves.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX which is XXX points higher than the guideline requirement of 720.
0888415758 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0888493860 XXXXXX CO QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No.XXX. Property Taxes is missing the months. Corrected on CD Issued XXX. Exception Satisfied. (No Data) Exception satisfied. Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines 12 months.  Borrower have 22 months of reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX. Borrower XXX score exceeds by XXX points.
0888655946 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been Employed with the current Employer for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX;  Credit score exceeds guidelines of 680.
0888865589 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0890092621 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0890639821 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0890817088 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is below guideline max of 45%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has over $497,410.28 in cash reserves, requires 12 months piti, $39,316t.08
0892262279 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX below 43% maximum guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX below 680 maximum score requirement
0894088670 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $156,908.08.  Reserves required of $35,092.56 (12 x $2,924.38).  $123,721.47 remaining reserves after funds to close.
0894336777 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0898827823 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.6.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $313,261.30.  Reserves required of $77,155.68 (12 x $6,429.64).  $962,572.50 remaining reserves after funds to close.
0899098724 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past 4.24 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in XXX for the past XXX years.
0899193324 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified in the amount of $170,003.69 which is 45.02 of PITI. Only requires 12 months [$3776.07 x 12= $45,312.84].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0902187372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Assets Active B B B B CRDAST115 Cash reserves do not meet guidelines No Lender exception: less than XXX months in reserves actual XXX months. Compensating factors include two properties listed for sale and once sold will drop DTI to XXX% and proceeds will provide borrower XXX months of PCL even if XXX gift had to be paid back. Strong employment history and residual income. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXX month XXX
0902187372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Terms/Guidelines Active B B B B CRDTER110 Loan amount exceeds guideline maximum No Lender exception : XX actual; aggregate $XXX financing greater than XXX. Compensating factors include two properties listed for sale and once sold will drop DTI to XXX% and proceeds will provide borrower XXX months of PCL even if XXX gift had to be paid back. Strong employment history and residual income. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reviewed XXX month XXX
0904109970 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0904115200 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CDs XXX and XXX, Section Other Costs, Section E, Recording Fees: Fees are not itemized. Only reflects total for recording fees. (No Data) (No Data) Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score is XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are XXX months
0905985421 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX and LE XXX Contact information the state is not listed for the XXX ID number provided.  CD issued XXX corrects this error.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $XXX in post-closing reserves, which is $119,224.13 more than the guideline required amount of $65,153.13, or 33 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than reduced guideline max of XXX% due to lender exception.
0905985421 XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER3122 Loan documents do not meet guideline requirements No Lender made an exception for b2 start date closing prior to closing, combined with additional risks of multiple employers within the past XXX years, with decreasing income, and high payment shock; lender compensating factors, strong reserves, residual income, and the potential for increased earnings. Non material exception (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $XXX in post-closing reserves, which is $119,224.13 more than the guideline required amount of $65,153.13, or 33 months in reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Dti is XXX%, which is XXX% less than reduced guideline max of XXX% due to lender exception.
0907447747 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $229,000 or 40.20 months PITIA
0908098433 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0908549237 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Income/Employment Active C B C B CRDINC150 Income docs do not meet guidelines No Lender exception for borrower less than XXX years property management experiences. Compensating factors are low LTV  and XXX times more reserves than required. (No Data) 8/1/18: Upon further review, exception deemed non-material due to inseverity; good score, good reserves, extra monthly income (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $627,171.16, after closing cost assets are $326,284. [85.97 months PITI].

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0908680187 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post closing cash reserves of $XXX or XXX months which exceeds required minimum per guidelines of XXX months.
0910200755 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0910662429 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum 700 score requirement

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves 14 months exceeds 12 month requirement
0912267266 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD XXX Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Clayton calculation. lender has XXX actual calculation XXX closing costs XXX- POC XXX (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX exceeds program requirement 680.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have been at current residence XXX years XXX months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $83,832.52.  Final CD reflects required no funds to close.  Guidelines require mos. reserves of $31,298.31.  Post close reserves $52,534.21.
0913104715 XXXXXX DC QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.3.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered.   7.19.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 7.19.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $156,254.70 or 26.11 months PITIA.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned current residence XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years
0915404189 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $289,153.01.  Final CD reflects required funds to close, $106,061.70.   Final CD reflects earnest money deposit of $5,500.00.  No documentation in file to support cleared borrowers account prior to close. Deducted earnest money from available reserves.  Guidelines require reserves of $31,468.95.  Post close reserves $146,122.36.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.
0915779397 XXXXXX DC QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX, Section: Other Costs (XXX) the recording fees are not itemized. CD XXX corrects this error. Exception satisfied.

2. CD: XXX, Section: Other Costs, (XXX) Line XXX the XXX is not listed. CD XXX corrects this error. Exception satisfied. 		(No Data) Exception satisfied. Hybrid Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower employed with current employer for over XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified $149,448.15 or 31.58 months reserves
0915860785 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is 117 points higher than the guideline requirement of 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI  is XXX%, which is 18.04% less than guideline max of 43.0%

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer since XXX years.
0916804908 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $298,874.81.  Reserves required of $39,964.44 (12 x $3,330.37).  $44,125.29 remaining reserves after funds to close.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has more than XXX years at current position.
0919107167 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No According to Assets Statements provided in the file, the XXX account numbers XXX and XXXi s held in the Name of a Trust with the Borrower shown as the trustee.  However, according to the XXX documentation matrix the following verification is required for assets held in a trust account: Copy of trust agreement or signed statement on letterhead from trustee with following information: name, address, phone number, and contact person of the trustee. Borrower is beneficiary of trust. Borrower has access to all trust funds or specific amount of funds. States whether this is a loan with repayment terms. Trust has assets to disburse funds to borrower. A copy of the Trust Agreement nor a Signed Statement from trustee could be located in the loan file. 8.17.18 - Client responded. A copy of the trust agreement or signed statement from trustee was not required. Only XXX account XXX was held under a trust and these funds were not used in qualifying. Consolidated XXX statement attached (accounts XXX).
8.17.18 - Clayton has reviewed clients response and statements provided reflect only 1 account in Trust and this account was not used for asset qualification as stated by client. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  The loan LTV of XXX% is well below 80% as allowed under the guidelines.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  The Borrower's qualifying credit score of XXX is well above minimum score required of 680 as per the guidelines.
0922046023 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD Issue date is XXX ,Closing date  is XXX, and the 3 day waiting period was not met. Please provide proof the initial CD was received by the borrower 3 days before the consummation date of xxx. According to Data Disclosure Master Sheet an Initial CD dated XXX was sent to borrower but is not in file. 8.21.18 - Client responded. Disagree. The Closing Disclosure was provided xxx. The CD was confirmed (acknowledged) XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX  Retail Compliance team testing methodology, this is the same as an “in hand” delivery. This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached.  Copy of Initial CD dated XXX is attached.
8.21.18 - Clayton has reviewed clients response. CD dated XXX has not been provided as initial CD and document tracking to support was sent and received by borrower same day of XXX. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum 680 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% gudieline
0922364463 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0924087800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Per UW decision summary form the borrower is paying off and closing an existing XX HELOC as evidenced on final CD; borrower is opening a new HELOC with XXX advance. File is missing terms and payment of subordination HELOC for XXX 8.17.18 - Client responded. There was no subordination agreement. Borrower closed the existing junior lien (XXX HELOC) and opened a new XX HELOC. XX Account Agreement attached to include terms and payment calculation for new HELOC. The qualified amortized payment was $XXX for $XXX HELOC (advance).
8.17.18 - Clayton has reviewed clients response and documents have been provided to support a new HELOC was opened and prior HELOC paid off and closed therefore as this was a new HELOC a subordination is not required. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job tenure of XXX years
0924087800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission Satisfied C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No Expiration date of XXX on ROR is prior to the end of earliest expiration date of XXX 8.14.18 - Client responded. Agree.  Right of Rescission is not in compliance.  How to Cancel date on Right to Cancel disclosure was less than 3 business days.  Latest dated document is XXX.  Third business day is XXX.  How to Cancel date is XX/XX/XXXX.  Disbursement date on Final CD executed by consumers XXX and XXX is XXX.  Loan disbursement date per origination system is XXX.  Re-opening of rescission and corrected CD with a disbursement date of XXX is required to cure defect.  Vested Parties: XXX . Original Lender: XXX.  Transaction Date:  XXX. Remediation request sent to CDCR XXX - Exception remains.
8.20.18 - Client responded. Providing remediation documents - copies of updated CD, Notice of RTC, and letter sent to borrower.
8.20.18 - Clayton has reviewed clients response and corrected PCCD, Letter to borrower and corrected ROR's provided. 		8.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job tenure of XXX years
0924087800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value:$XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value:$XXX  a difference of $XXX which was paid closing costs before closing. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job tenure of XXX years
0924087800 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL140 Missing subordination agreement for existing junior lien No Per UW decision summary form the borrower is paying off and closing an existing XX HELOC as evidenced on final CD; borrower is opening a new HELOC with XXX advance. File is missing terms and payment of subordination HELOC for XXX 8.17.18 - Client responded. There was no subordination agreement. Borrower closed the existing junior lien (XXX HELOC) and opened a new XX HELOC. XX Account Agreement attached to include terms and payment calculation for new HELOC. The qualified amortized payment was $XXX for $XXX HELOC (advance).
8.17.18 - Clayton has reviewed clients response and documents have been provided to support a new HELOC was opened and prior HELOC paid off and closed therefore as this was a new HELOC a subordination is not required. 		8.17.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $397,389.08 or 78.26 months ( 12 month reserves required)

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job tenure of XXX years
0925144741 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX median score

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on job
0925540248 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $136,654.56 or 23.01 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0926549496 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $573,323.42, after closing cost assets are $353,895.64. [54.23 months PITI].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
0926837766 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing PDA to support original appraised value 8.24.18- A Desk Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.24.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in same profession for XXX yrs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  FICO score  XXX
0926887637 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: 5900.72. Difference is POC of $XXX 		(No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXXXX with XXX for the past XXX years.
0926887637 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A B B C B C B A A B B Credit Terms/Guidelines Active C B C B CRDTER3122 Loan documents do not meet guideline requirements No Lender Exception for Borrowers having less than XXX years of Property Management experience with use of Rental Income is approved. Compensating Factors include: Borrowers receiving rental income on rental property for the last 6 months, overall credit is excellent established since XXX with satisfactory payment history on mortgages and conservative use of revolving and installment accts. Stable income with over XXX years at same job for both borrowers with increasing income, low ratios of XXX% with strong residual income of $XXX, strong ability to save with PCL of $XXX  PITI all liquid funds and low LTV/CLTV of XXX% all supports approval of exception. 8.10.18 - Client responded. XXX approved exception - Borrower has less than 2 yrs of property management experience. Exception approved under the PCO delegated authority.
8.10.18 - Clayton has reviewed clients response and deemed non material. 		8.10.18 - Exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXX for the past XXX years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as XXXXX with XXX for the past XXX years.
0930239802 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $814,194.99 or 160.76 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0930512679 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower does not meet the trade line requirement.  Borrower only has one open/active trade line, which is the mortgage. A minimum of 3 required.  Borrower is showing two open/active credit card debt, one of which has a balance, XXX and XXX, both are authorized user accounts. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  borrower has been employed with same employer for just over XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has the ability to save, assets for reserves $269,097.48. Reserves required 36 months = $223,120.16, borrower has $45,967.32 left as additional assets.
0931949453 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX yrs.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX
0932061187 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Updated assets verified $522,801.63, after closing cost assets are $196,540.44 [33.37 months PITI].

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years in the same line of work.
0933025288 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $623,100.03 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0934349583 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of XXX  Borrower score is 814.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines of 12 months.  Borrower has 35 months
0934830773 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0937438810 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Lender Exception in file for No Mortgage/Payment history. Compensating factors include XXX% DTI, long term credit history and only XXX in outstanding revolving debt. (No Data) (No Data) (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been Employed with the current Employer for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is 43%.
0938290319 XXXXXX HI QM: Safe Harbor QM: Safe Harbor B B B B A A A A B B B B A A A A Credit Credit/Mtg History Active B B B B CRDCRMH2662 Number of mortgaged properties exceeds guideline limit No Per Underwriting Decision Summary, borrower exceeded maximum number of financed properties and an exception was made. With excellent credit profile, mid fico XXX, verified assets in excess of 2mm and both borrowers on current job more than XXX years this is considered non material (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Excellent credit and mortgage payment history.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required reserves $162,513.33. Verified reserves $1,076,602.25
0938471898 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $114,075.92 or 39.61 months which exceeds guideline of 12 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying fico of XXX exceeds minimum per guidelines of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of XXX% is well below maximum guideline of 43%.
0938811867 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job XXX years, XXX months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 680
0940687595 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XX/XX/XXXX - Section Other Cost; E. Taxes and other Government Fees; $XXX fee for Report 9A is in the wrong section. Should be in sectoin H. (No Data) (No Data) Hybrid Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $322,174.57 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  DTI is below guideline requirement.
0941193792 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $XXX or XXX months PITIA
0942393948 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B A A A A D B D B A A A A D B Compliance Documentation Active D B D B CMPDOC3280 One or more Applications in file are incomplete No Missing XXX with co-borrower employer's Name and Address listed. 8.10.18 - Client responded. Unable to procure Final loan application with borrower 2 employer's  name and address. The B2 XXX Paystub and VOE is in the file that shows the name and address . The loan application also shows the  length of employment. The Underwriting Decision Summary does  state the  employer's name and that the borrower has been employed with  XXX since XXX
8.10.18 - Clayton has reviewed clients response and determined this to be a non-material issue. 		8.10.18 - Exception remains. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in profession as Rep with XXX for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves = $111,567.13 or 37  months PITI reserves, which is more than required reserves of  $26,554.68.

0943342751 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0943552244 XXXXXX DC QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP3208 NMLS License verification found Loan Originator was inactive at time of origination No Lender is a Division of a XXX. XXX does not reflect XXX is XXX chartered or licensed in XXX the state subject property is located in. 8.23.18 - Client responded. Loan documentation shows the application date for the loan was XXX and the loan close date is XXX. The loan originating company (XXX) is federally regulated and the XXX registration is currently in effect. The Loan Originator (XXX) also has a federal registration and has been registered since XXX. The LO has been authorized to represent the originating entity since his registration started and the registration is still currently active. Since the registration for both the LO and the originating company at the time of application and closing (and is still currently in place) we believe all XXX licensing registration requirements were met.
8.23.18 - XXX has reviewed clients response and as the Lender is federally regulated this is a non issue. 		8.23.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  61.06 Months Reserves
0943552244 XXXXXX DC QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD: XXX, CD: XXX and CD: XXX, Calculating Cash to Close Table (Loan Estimate column) does not match figures on LE XXX (only LE in the file), Calculating Cash to Close Table we have received. (No Data) (No Data) Non-Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  61.06 Months Reserves
0943656851 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0946190906 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $757,842.29 or 182.67 months PITIA, guidelines required 9 months PITIA.
0946819794 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds 680 score requirement

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below maximum 43% guideline
0946947178 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative Credit Score is XXX; Borrowers credit score exceeds guidelines of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified Post reserves in the amount of $138,681.52  / 23.05 months.
0947169587 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: -$XXX
and Section: Calculating Cash to Close, Field: System calculation, Value listed as $XXX. This should be a positive number or $XXX/Blank if negative. 		(No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for XXX years.

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

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for XXX years.
0947169587 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Field: Estimated Closing Costs Financed (Paid from your Loan Amount), Value listed as $ XXX.  This should be a positive number or XXX/Blank if negative. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at the current residence for XXX years.

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

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for XXX years.
0947295933 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds  guidelines of XXX by 113 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement of XXX%.  Current DTI 26.85%
0947596461 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $93,028.63 verified cash reserves exceed guidelines.
0948252999 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $318,601.99 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0949271487 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No $XXX percent tolerance due to increase in recording fee on final CD without a valid CoC.
Requires corrected PCCD, copy of refund check, LOX and verification of shipping. 		7.30.18 - Client responded. Disagree. XXX percent aggregate baseline includes Title Services and Recording Fees per fee placement on the consummation CD (Section B 10% fees). Aggregate 10% fees on the initial CD were disclosed in the amount of $XXX . Aggregate XXX% fees on the consummation CD were charged in the amount of $XXX. It appears investor did not include Title Services in the XXX% tolerance calculation. The increase did not exceed the Aggregate XXX% tolerance threshold; therefore, no refund would be due.  This is not a defect so no corrective action is required.
7.30.18 - Clayton has reviewed clients response. Review of 10% tolerance fees corrected. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum per guidelines of 680.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 26 years.
0950377148 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0950744304 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $160,894.51 verified cash reserves exceed guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0951073400 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX, Loan Costs is improperly formatted due to XXX. - XXX- XXX fee is missing payee.
2. CD: XXX, Other Costs is XXX. Prepaids - Homeowner's Insurance is missing payee. CD XXX corrects both errors. Exception satisfied. 		(No Data) Exception satisfied. Hybrid Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX max XXX

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV XXX MAX LTV XXX
0952048545 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with the current employer for XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%; guideline maximum is 43%.
0955045165 XXXXXX PA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.25.18 - A Desk Review was received with a reported value of $XXX which has a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.9.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX 8.9.18 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have resided at current residence for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $309,500.94 or 49.66 PITIA months which exceeds minimum required per guidelines of 6 months.
0957040283 XXXXXX NC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0958014311 XXXXXX FL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been with current employer since XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is 90 points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has $223,897.85 in post-closing reserves, which is $176,527.01 more than the guideline required amount of $47,370.84, or 56 months in reserves
0960038203 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $117,226.56 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0961574925 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance RESPA Satisfied B A B A CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Application is dated XXX Homeowners counseling organizations was Dated XXX, not within the 3 day period. Should be XXX. 7.30.18 - Client responded. Disagree.  Initial LE #001 was provided within 3 business days of application and is in compliance. Application date is XXX.  LE #001 is dated XXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  The Loan Estimate was included in the Initial Disclosure package that was provided XXX via e-delivery.  The initial disclosure package was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX. Copy of origination system evidence disclosing the "Real Deal (NSD)" or Application Date is attached.  Copy of origination system evidence showing the Confirm date is attached.  No defect was found and no corrective action is required.
7.30.18 - Clayton has reviewed clients response and internal document provided reflects initial application date of XXX therefore delivered timely. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 680; Borrowers credit score is XXX.
0961574925 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID3476 TRID - Written List of Providers not provided or untimely No Application is dated XXX written list of providers was Dated XXX, not within the 3 day period. Should be XXX. 7.30.18 - Client responded. Disagree.  Initial LE #001 was provided within 3 business days of application and is in compliance. Application date is XXX.  LE #001 is dated XXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  The Loan Estimate was included in the Initial Disclosure package that was provided XXX via e-delivery.  The initial disclosure package was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX. Copy of origination system evidence disclosing the "Real Deal (NSD)" or Application Date is attached.  Copy of origination system evidence showing the Confirm date is attached.  No defect was found and no corrective action is required.
7.30.18 - Clayton has reviewed clients response and internal document provided reflects initial application date of XXX therefore delivered timely. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 680; Borrowers credit score is XXX.
0961574925 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3552 TRID - Loan Estimate not timely No Application is dated XXX first LE was Dated XXX, not within the 3 day period. Should be XXX. 7.30.18 - Client responded. Disagree.  Initial LE #001 was provided within 3 business days of application and is in compliance. Application date is XXX.  LE #001 is dated XXX.  Per XXX Compliance team testing methodology, the NSD is used as the application date for purchase transactions.  The Loan Estimate was included in the Initial Disclosure package that was provided XXX via e-delivery.  The initial disclosure package was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX. Copy of origination system evidence disclosing the "Real Deal (NSD)" or Application Date is attached.  Copy of origination system evidence showing the Confirm date is attached.  No defect was found and no corrective action is required.
7.30.18 - Clayton has reviewed clients response and internal document provided to support initial application date of XXX therefore LE delivered timely. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves exceed guidelines- 24 months reserves

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines of 680; Borrowers credit score is XXX.
0963686981 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0964126380 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Appraisal was subject to completion of stove installation.  No 1004D cert was located in file however photo of a stove was located in file.   8.22.18 - Client responded. The underwriter accepted the photo of the stove to validate installation. The photo shows the stove is installed and working.  Per photo all the burners are on. Comparison of photo of kitchen in original appraisal and photo of stove match and indicate the placement of the stove.
8.22.18 - Clayton has reviewed clients response and a view of the photo and compared to the original appraisal reflects the stove was installed and working. 		8.22.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have verified assets totaling $430,489.11.  Final CD reflects required funds to close, $XXX.  Guidelines require reserves of $53,887.68. Post close reserves $166,595.78.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years same line of work.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Representative credit score XXX above program requirement 680.
0965012040 XXXXXX IA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX - Calculating Cash to Close,  Closing Costs Financed - Final, Value: XXX
Clayton Calculation, Value: XXX
Difference is POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Residual Income = Gross Monthly Income - Total Monthly Obligations

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of XXX exceeds minimum guideline score of 720 by XXX points
0965857590 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $392,518.34 or 49.88 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0966044763 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX exceeds minimum guideline of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $118,439.71 or 34.37 months which exceeds required minimum of 6 months.
0966190385 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score.  Min 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower in same profession XXX years.
0966645068 XXXXXX SC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a median FICO score of XXX.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current address for XXX plus yrs.
0966785835 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified assets/reserves of approximately 60 months

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Mid fico XXX
0967116917 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, Calculating Cash to Close, Closing Costs Financed - Final, Value: $XXX; Calculation, Value: $XXX.  Values do not match.  The difference is $XXX, which is the Closing Costs Paid Before Closing. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $219,643.79 or 64.70 months PITIA, guidelines required 9 months PITIA.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX, max per guidelines is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720. Cash Out Refi
0968184499 XXXXXX WI QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: XXX
CD: XXX [Last CD], Section: Calculating Cash to Close, Field: Clayton Calculation, Value: XXX
Lender calculation included POC of $XXX. 		(No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $232,286.23 verified cash reserves exceed guidelines.
0968856431 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B A A C B A A C B A A C B A A Property Valuations Property Active C B C B PRVAPROP241 Property Type unacceptable under guidelines No Lender exception : Unacceptable property type, property is a Hexagonal in shape. Exception approved by lender, Comps: Very strong customers with low qualifying ratios, strong residual income. Departure home has greater value. 8.8.18 - Client responded. LVAM approved exception; Unacceptable Property Type.  Exception approved under the PCO delegated authority.
8.8.18 - Clayton has reviewed clients response and based on compensating factors this is a non material issue. 		8.8.18 - Exception remains. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower (XXX) has been in same profession for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX PITI month cash reserves $796,826.54
0969383340 XXXXXX MD QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with same employer for XXX yrs.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has XXX months in PITI cash reserves $171,055.51
0969721013 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 8.8.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 8.14.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 8.14.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 700.

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $486,018.29 or over XXX  months PITIA.
0969827929 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX, XXX   Calculating Cash to Close,  Closing Costs Financed - Final, Value: XXX system calculates XXX the difference is $XXX amount of closing cost paid before closing. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX + yrs

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 15.17 months in reserves.
0969827929 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER111 Ownership seasoning does not meet minimum per guidelines No UW Decision summary form indicates an exception indicating Revocable trust vesting. Legal has approved  vesting. Prior vesting was with XXX but she was diagnosed with cancer and passed away. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with same employer for XXX + yrs

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Loan has 15.17 months in reserves.
0970079302 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $224,841.47 or 46.00 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0971073667 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Lender has used 2nd income for Co-borrower XXX, from Employer XXX, only documents in file  for this job are W2's for XXX. Must provide paystubs for 30 days prior to closing date to verify income per guidelines. Provide all lender documents. 8.8.18 - Client responded. Co-borrower receives IHSS compensation for the care of her disabled XXX, XXX.  Copy of XXX payment from IHSS for XXXXXXX was provided along with prior W-2s for XXX as noted.  Lender guidelines require a YTD paystub documenting at least one month earnings and may be dated no more than 120 days prior to the note date.  Paystub provided is less than 120 days prior to note date of XXX.  See attached paystub.
8.8.18 - Clayton has reviewed clients response and paystub provided as required. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX//======= Customer works fo XXXXX
XXX XXXXX as a XXXXX for XXX years//

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Customer works for XXX as a
XXX for XXX years and XXX years in the industry//

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 740.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed by same company  for XXX years
0971073667 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Credit Income/Employment Satisfied C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Lender has used 2nd income for Co-borrower XXX, from Employer XXX,the only documents in file for this job are  W2's for XXX. Must provide  paystubs for 30 days prior to closing date to verify income per guidelines. Per UW Approval Lender has letter from XXX verifying  that Co-borrower would be returning to work on XXX.


  		 8.8.18 - Client responded. Co-borrower XXX is employed by XXX and is currently on state disability due to shoulder surgery.  Her physician documented she will return to work on XXX.  Lender guidelines permit use of regular income for qualifying as long as applicant returns to work prior to the XXX mortgage payment due date (XXX).  In addition to her employment with XXX, co-borrower receives IHSS compensation for the care of her disabled XXX, XXX.  Copy of XXX payment from IHSS for XXX was provided along with prior W-2s for XXX as noted.  Lender guidelines require a YTD paystub documenting at least one month earnings and may be dated no more than 120 days prior to the note date.  Paystub provided is less than 120 days prior to note date of XXX.  See attached paystub.
8.8.18 - Clayton has reviewed clients response and documentation to support income used and meet guidelines requirements have been provided. 		8.8.18 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX//======= Customer works fo XXXXX
XXX XXXXX as a XXXXX for XXX years//

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Customer works for XXX as a
XXX for XXX years and XXX years in the industry//

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 740.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been employed by same company  for XXX years
0972022484 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Good credit history

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Over 24 months mortgage history
0972232318 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2340 Employment verification does not meet guidelines No Borrower to provide most recent pay stub or proof borrower passed background check for new position. 8.21.18 - Client responded. Executed Offer Letter, VOE, Relocation Authorization and confirmation email from XXX LLC with official start date attached to meet employment verification guidelines and requirements for relocation loan.
8.21.18 - Clayton has reviewed clients response and relocation docs provided support borrower's employment as required. 		8.21.18 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have good credit history with minimum debts.


CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years experience in industry.
0973307040 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C A A A C A A A C B A A C B A A Property Valuations Value Satisfied C A C B PRVAVALU153 Value Not Supported No 7.23.18 - A Desk Review was received with a reported value of $XXX which is a variance of -XXX% less than the original appraised value of $XXX. A field review has been ordered. 7.30.18- A Field Review was received with a reported value of $XXX which supports the original appraised value of $XXX. 7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves are 112 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%.
0976531224 XXXXXX ID QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for XXX months when 24 months are required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers have a median credit score of XXX, which is XXX points higher than the guideline requirement of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrowers have $126,758.00 in post-closing reserves, which is $79,533.12 more than the guideline required amount of $47,224.88, or 32 months in reserves
0977471703 XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% guideline

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score XXX exceeds minimum 680 guideline
0977661323 XXXXXX NV QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: XXX [Last CD], Section: Calculating Cash to Close, Closing Costs Financed - Final, is listed as $XXX and review calculated Calculating Cash to Close, Clayton Calculation, equals $XXX. Difference is POC of XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied their primary home for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have verified effective assets of $1,276,508.57; No funds required at closing and required reserves of $50,820.48 for 18 months subject PITI.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX% LTV; max per guidelines is 70%.
0977661323 XXXXXX NV QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4374 TRID - LE: The Closing Costs Financed value in the Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number No LE: XXX [Last LE], Section: Calculating Cash To Close, Estimated Closing Costs Financed (Paid from your Loan Amount), Value: -XXX is disclosed as a negative number.  CD issued  XXX corrects this error.  Exception satisfied. (No Data) Exception satisfied. Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied their primary home for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have verified effective assets of $1,276,508.57; No funds required at closing and required reserves of $50,820.48 for 18 months subject PITI.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX% LTV; max per guidelines is 70%.
0977661323 XXXXXX NV QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Terms/Guidelines Active B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Lender exception for Cash out of $450,226.75 exceeds the maximum cash out per guidelines of $350,000.00. Compensating factors include Owned properties free and clear and  strong reserves. Non material. (No Data) (No Data) (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have owned and occupied their primary home for XXX years.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's have verified effective assets of $1,276,508.57; No funds required at closing and required reserves of $50,820.48 for 18 months subject PITI.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX% LTV; max per guidelines is 70%.
0978753786 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Required funds to close $XXX.  Reserves required of $74,019.60 per feedback certification. $3,311,559.94  remaining reserves after funds to close.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI, max per guidelines is 43%
0980488873 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $415,310.46 or 54.49 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history is for XXX months when 24 months are required.
0981403422 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Job tenure of XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves of $570,255.56 or 47.70 months ( 12 months required)
0982345250 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers XXX not provided within 3 days of initial application XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying fico of XXX is above minimum guideline requirement of 680.

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

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been with current employer for XXX years.
0982443372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No Satisfied.
At least one section contains a disclosure that is not in accordance with the Regulation:  CD XXX Closing Information, Settlement Agent Missing.  L2.  PC CD XXX corrects.  Downgrade to L1 and downgrade to Satisfy. 		(No Data) Exception satisfied. Hybrid Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.
0982443372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4377 TRID - CD: Closing Disclosure contains conflicting loan attributes No Satisfied. Closing Disclosure contains conflicting loan attributes:
CD XXX, Loan Disclosures, Demand Feature neither has a Demand or Does not is marked.  L2.  PC CD XXX corrects. L2 and Satisfy.		 (No Data) Exception satisfied. Non-Numeric Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.
0982443372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Credit/Mtg History Active B B B B CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Mortgage history is only for 6 months.
Lender Exception Request: Please note, request is not from XXX but rather a correspondent.
Borrower 1 has limited credit. Borrowers have only 6 month housing payment history. (lived rent free prior). Brw 2 has less than XXX year employment history (in college prior). Minor payment shock.  Compensating factors: Refinance is to go from ARM to fixed. Strong residual income. DTI within guidelines. B1 has good job tenure (XXX years) income stable; brw 2 earns commission income that was not used to qualify, therefore, strong potential for increased earnings; Strong demonstrated savings ability, all funds liquid, PCL exceeds guidelines at 68 months vs. required 12 mos, OPUS reviewed and approved collateral, no marketing concerns, values increasing, value well supported, LTV well below max. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.
0982443372 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B B B A A B B B B B B A A B B Credit Credit/Mtg History Active B B B B CRDCRMH3000 # of Tradelines Does Not Meet Guideline Requirements No Borrower 1 is primary wage earner and has only two active trades. Minimum requirement is 3.
Lender Exception Request: Please note, request is not from XXX but rather a correspondent.
Borrower 1 has limited credit. Borrowers have only 6 month housing payment history. (lived rent free prior). Brw 2 has less than XXX year employment history (in college prior). Minor payment shock.  Compensating factors: Refinance is to go from ARM to fixed. Strong residual income. DTI within guidelines. B1 has good job tenure (XXX years) income stable; brw 2 earns commission income that was not used to qualify, therefore, strong potential for increased earnings; Strong demonstrated savings ability, all funds liquid, PCL exceeds guidelines at 68 months vs. required 12 mos, OPUS reviewed and approved collateral, no marketing concerns, values increasing, value well supported, LTV well below max. 		(No Data) (No Data) (No Data) Not Applicable CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower 1 has a small % of XXX in current employer. Borrower 2 earns commission income (YTD $XXX). This additional income was not used to qualify due to borrower one owns <XXX% and brw 2 has not been earning commission for XXX plus years.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of XXX% is below maximum allowed per guidelines of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $492,413.06 or 73.62 months.
0982720521 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on current job

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  XXX years on current job
0983111775 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $114,815.40 or 33.64 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX qualifying score. Min required per guidelines is 720.
0984572253 XXXXXX NV QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX  qualifying score. Min required per guidelines is 720

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed with same company for last XXX years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is below guideline requirements of XXX% at XX.XX%
0986661943 XXXXXX VA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD dated XXX- Other Costs- Section H- Survey Fee is missing the payee name.

Corrected on the Final CD dated XXX. Exception satisfied.		 (No Data) Exception satisfied. Hybrid Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current profession for XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying score of XXX exceeds minimum required per guidelines of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified post closing cash reserves of $58,261.09 or 14.87 months which exceeds guideline requirement of 12 months.
0987162808 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0987404872 XXXXXX VA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years current job time

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX%  Max per guides is 45%

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Previous mtg. history reported for XXX mos. with XXX days
0988200170 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD XXX: Section Calculation Cash to Close; Closing Cost Financed amount on CD is $XXX system calculates $XXX the difference is the amount is closing cost paid before closing $XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Coborrower has been in same line of work owning company for over XXX years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B-1 has been on same line of work and owned company for last XXX years

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  both consumer credit history exceeds the max of 24 months with no late payments
0988947927 XXXXXX CA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated XXX- Calculating Cash to Close- Closing Costs Financed is $XXX. Review Calculation is $XXX. Difference is POC of XXX. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $343,309.57 verified cash reserves exceed guidelines.


CFCFS1744: DTI below guideline requirement
- Clayton Comments:  XXX% DTI is below guideline requirement.
0991274931 XXXXXX MA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               (No Data)
0992354120 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC191 Missing Mortgage No Missing Mortgage. 7.30.18 - Client responded. Mortgage provided.
7.30.18 - Clayton has reviewed clients response and required mortgage for subject provided. 		7.30.18 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $511,026.09 or 119.78 months PITIA, guidelines required 9 months PITIA.

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is XXX%, max per guidelines is 43%.
0993077861 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD XXX is unsigned and no evidence the borrower received it was found in the file. Allowing for 3 days mailing time and  3 days of mandatory waiting period, the loan should have closed no earlier than XXX. Provide proof borrower received this CD on XXX. 7.20.18 - Client responded. Disagree. The Closing Disclosure was provided XXX. The CD was confirmed (acknowledged) in YourLoanTracking (electronic delivery) XXX allowing at least 3 business days to review the Closing Disclosure prior to close on XXX. The Closing Disclosure was not actually e-signed but the pdf was opened by the consumer on a purchase transaction on XXX and, per XXX Retail Compliance team testing methodology, this is the same as an “in hand” delivery.  This is not a testing defect so corrective action is not required. Copy of origination system Disclosure Receipt Dates page showing the Confirm date is attached.
7.20.18 - Clayton has reviewed clients response and internal documentation to support CD was emailed and received by borrower on XXX has been provided. 		7.20.18 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  XXX mid score. Min 720

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  XXX%  Max LTV/CLTV 80%

CFCFS2860: Good credit history
- Clayton Comments:  all accounts are paid as agreed. XXX days
0993095607 XXXXXX NY QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been on current job since XXX.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a XXX home with a perfect mortgage history going back to XXX.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Maximum DTI per guidelines is XXX%.  Borrower's actual DTI is XX.XX%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has post-closing assets in the amount of $699,593.30, which is 59.98 months of PITIA.
0997993072 XXXXXX NY QM: Safe Harbor QM: Safe Harbor B B A A B B A A B B A A B B A A Property Valuations Property Active B B B B PRVAPROP2674 Property Issues Indicated 2 No Lender exception for XXX with commercial space greater than XXX%, delinquencies greater than XXX%, & investor concentration greater than XXX%. Compensating factors include strong reserves, lower housing payment, minimal revolving credit usage and area has strong XXX market. (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI XXX% below 43% maximum guideline

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in profession
0998514552 XXXXXX DC QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $231,129.05 or 70.80 months PITIA, guidelines required 12 months PITIA.

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

 

 

 

 

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

 

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