EX-99.6 7 n4256_x1exh99-6.htm CLAYTON CONDITIONS REPORT

Exhibit 99.6

 

Client Name:    
Client Project Name: PRKCM 2024-HOME1  
Start - End Dates: 11/28/2023 - 4/4/2024  
Deal Loan Count: 334  
           
             
Conditions Report 2.0    
             
Loans in Report: 334    
Loans with Conditions: 105    
             
11 - Total Active Conditions
  11 - Non-Material Conditions
      3 - Credit Review Scope
        1 - Category: Income/Employment
        2 - Category: Terms/Guidelines
      8 - Compliance Review Scope
        8 - Category: RESPA
126 - Total Satisfied Conditions
             
      47 - Credit Review Scope
        9 - Category: Application
        4 - Category: Assets
        2 - Category: Credit/Mtg History
        14 - Category: DTI
        10 - Category: Income/Employment
        3 - Category: Insurance
        1 - Category: LTV/CLTV
        3 - Category: Terms/Guidelines
        1 - Category: Title
      2 - Property Valuations Review Scope
        2 - Category: Appraisal
      77 - Compliance Review Scope
        1 - Category: Ability to Repay/Qualified Mortgage
        2 - Category: Compliance Manual
        1 - Category: Documentation
        3 - Category: Federal Consumer Protection
        1 - Category: RESPA
        2 - Category: Right of Rescission 
        1 - Category: State Consumer Protection
        7 - Category: Texas Home Equity
        59 - Category: TILA/RESPA Integrated Disclosure
1 - Total Waived Conditions
             
      1 - Credit Review Scope
        1 - Category: Terms/Guidelines
             
 




©2024 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:                                                                  
Client Project Name: PRKCM 2024-HOME1                                                                
Start - End Dates: 11/28/2023 - 4/4/2024                                                                
Deal Loan Count: 334                                                                
                                                                         
                                                                         
Conditions Report 2.0                                                                  
                                                                         
Loans in Report: 334                                                                  
Loans with Conditions: 105                                                                  
                                                                         
Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Compensating Factors
1000800870 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) 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 Need evidence of change of circumstances letter for Zero tolerance,  (Discount %) increase, or a copy of a refund check in the amount of $XXX. 3/26/24 - Lender provided a copy of a missing COC. 3/26/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 69 points above guideline minimum
1090300684 XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
1090300695 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current home
1090300703 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3618 TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing No Missing Initial CD 4/3/24 - Lender provided a copy of the missing initial CD. 4/3/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 44 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x31
1090300703 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Initial CD 4/3/24 - Lender provided a copy of the missing initial CD. 4/3/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 44 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x31
1090300703 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3662 TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance No Missing Initial CD 4/3/24 - Lender provided a copy of the missing initial CD. 4/3/24 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 44 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x31
1090300703 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID4579 TRID - CD: Missing Initial CD No Missing Initial CD 4/3/24 - Lender provided a copy of the missing initial CD. 4/3/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 44 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x31
1090300722 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > x points below guideline maximum
1090300740 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Unable to determine if funding date is after recession period due to missing Right to Cancel Form. 4/2/24 - Lender provided a copy of the missing ROR form. 4/2/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 31 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x39
1090300740 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied D A D A CMPROR5345 ROR - Missing or Incomplete Right of Rescission form No Missing the Right to Cancel form in the file. 4/2/24 - Lender provided a copy of the missing ROR form. 4/2/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 31 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x39
1090300740 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B D A A A D B D B D A A A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of  all components of non-subject PITI; for XXX.No Mortgage Statement in file NO HOI in file 4/2/24 - HOI and RE Tax documentation located in the original loan package. 4/2/24 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 31 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x39
1100501038 XXXXXX GA QM: Rebuttable Presumption (APOR) QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 20 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
1100501061 XXXXXX VA QM: Safe Harbor QM: Safe Harbor (APOR) 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 Need evidence of change of circumstances letter for Zero tolerance,  (Appraisal Desk Review) increase, or a copy of a refund check in the amount of $XXX. 3/8/24 - Lender provided a copy of the bill from the appraiser for the desk review. 3/8/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 15 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 116 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 17 points below guideline maximum.
1100501068 XXXXXX TN QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x63

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 77 points above guideline minimum
1100501083 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 47 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x55
2000085624 XXXXXX NY (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  : Borrower LTV is > 5 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.
2000086313 XXXXXX FL (No Data) ATR/QM: Exempt 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 Missing Signed "BORROWER'S INTENT TO PROCEED WITH LOAN ANDBUSINESS PURPOSE LOAN CERTIFICATION"Disclosure in file not signed (No Data) 3/6/24 - Upon further review, the intent to proceed is signed, and without the Business purposes certification the exception can be considered a B. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 20 points below guideline maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  : Borrower DTI is > 15 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000087533 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 78 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x35

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 21 points below guideline maximum
2000088432 XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD not in file 3/12/24 - Lender provided a copy of the missing Seller CD. 3/12/24 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 85 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000088541 XXXXXX VA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 126 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 33 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000088779 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 35 points below guideline maximum.
2000088993 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit Terms/Guidelines Waived C B C B CRDTER3122 Loan documents do not meet guideline requirements No Property exceeds 10 acres.  Missing pre-approval from XXX per guideline.  12/15/23 - Upon further review, the exception is a non-material B.  01.08.2024 - Acknowledged by client. 12/15/23 - Exception is a non-material B.  01.08.2024 - Non-material exception remains. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  8 years on current job

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets are XXX or XXX months of P&IRequired P&I Reserves are XXX x 6 = XXX
2000089446 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over XXX years at current job
2000089448 XXXXXX CA (No Data) ATR/QM: Exempt C A C A A A A A C A C A A A A A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing XXX Estimate for XXX Property 2/29/24 - Lender provided a copy of the missing XXX rental estimate. 2/29/24 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX months at current residence, resided at XXX for XXX years prior.
2000089697 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 32 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 29 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000090100 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITI above guideline minimum.
2000090124 XXXXXX MD QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 21 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 18 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000090346 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 9 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 61 points above guideline minimum
2000090366 XXXXXX MA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 41 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x93

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets >XXX months above guideline minimum
2000090436 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 62 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  : Median FICO > 109 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX bldr for the past XXX years
2000090444 XXXXXX TX QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) D B A A A A D B D B A A A A D B Compliance Texas Home Equity Satisfied C B C B CMPTXHE108 TX Equity - Total fees greater than the allowable cap No Adjusted Charges are $XXX. Maximum Charges for TX are 2.000%, Maximum Charges are $XXX. Charges Margin to Threshold is $XXX. Total Charges are 2.830%. 4/1/24 - Lender provided a COC reducing the Origination fee from $XXX to $XXX. 4/1/24 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 12 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum
2000090444 XXXXXX TX QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) D B A A A A D B D B A A A A D B Compliance Texas Home Equity Satisfied D A D A CMPTXHE117 TX Equity - Missing Affidavit of Fair Market Value No Missing Affidavit of Fair Market Value 4/2/24 - further review found out this is a 50(f)2 loan the Fair Market Value acknowledgment form is not required. Thank you. 4/2/24 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 12 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum
2000090483 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x49

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 10 points below guideline maximum
2000090529 XXXXXX FL Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.51%

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years on job/profession

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on job
2000090653 XXXXXX OR (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 87 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x62

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000090793 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 20 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x27

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000090811 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 32.26 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 3 months = XXX
2000090831 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 HOI for XXX Property 2/23/24 - Lender provided a copy of the missing HOI for XXX. 2/23/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 83 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 16 points below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000090855 XXXXXX FL (No Data) ATR/QM: Exempt 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 Missing "Borrower's Intent To Procced with Loan and Business Purpose Loan Certification" Disclosure.The one in file is not signed 3/5/24 - Lender provided a copy of the missing Business Purpose Loan Certification. 3/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000090881 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A A A D A D A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned and resided in current residence for XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession > XXX years.
2000090881 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 source of funds for XXX  brought to closing.  2/16/24 - Lender provided a copy of the wire transfer for XXX, still does not reference source of funds.  Exception remains 2/16/24 - Lender provided a Bank Provided statement reflecting the account has been open for more than 2 years. 2/16/24 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned and resided in current residence for XXX years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession > XXX years.
2000090882 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID4039 TRID - CD: The Maximum Amount at First Payment Change on the AP Table of the Final Closing Disclosure does not match Claytons calculated Maximum Amount at First Payment Change No CD XXX Adjustable Payment (AP) Table is missing the First Change Amount and Maximum payment. 3/5/24 - Lender provided a completed PCCD including the completed AP Table. 3/5/24 - Exceptionsatisfied. Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 32 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 122 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000090921 XXXXXX OK QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 12.76 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO >54 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x91

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000090955 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0x30x45
2000090956 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 70 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 25 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000090975 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 03 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x82
2000090989 XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 29 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 18.88 points below guideline maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x16
2000090991 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.61%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years on job
2000091019 XXXXXX TX (No Data) ATR/QM: Exempt B A B A A A A A B A B A A A A A Credit LTV/CLTV Satisfied B A B A CRDLTV3028 LTV Exceeds Guideline Requirement by 10% or more No 2.13.2024 XXX - Maximum Cash-Out on LTV's greater than 65% is XXXBorrower's LTV is 75% and borrower received back XXX in proceeds, exceeding XXX guideline maximum. 2/23/24 - Lender revised the guidelines to XXX allowing for up to 75% LTV. 2/23/24 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history shows 0x30x99

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI >20 points below guideline maximum

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Rental income for subject not used for qualification

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 66 points above guideline minimum
2000091032 XXXXXX NJ QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) B A A A A A B A B A A A A A B A Compliance Federal Consumer Protection Satisfied B A B A CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Missing initial Arm Disclosure dated XXX 3/12/24 - Lender provided a copy of the missing Initial ARM Disclosure. 3/12/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 111 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x61

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091077 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No #6 and #7 & #8 and #9 is the same and counseling is not in compliant. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 30 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%
2000091134 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 116 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x94

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 12.62 points below guideline maximum.
2000091161 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) 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 > XXX months PITI above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum of 75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000091174 XXXXXX NV QM: Rebuttable Presumption (APOR) QM: Rebuttable Presumption (APOR) 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 > XXX months PITIA above minimum guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 40 points above guideline minimum
2000091189 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 Need evidence of change of circumstances letter for Zero tolerance, (Discount %) increase, or a copy of a refund check in the amount of $XXX. 2/22/24 - Lender provided a copy of a XXX statement, but amounts do not match ($XXX - $XXX = $XXX), and the $XXX was paid to XXX.  Exception remains2/23/24 - this file was submitted as a lender paid transaction, that is why the broker's compensation is not disclosed on the LE as it was paid by the lender 2/23/24 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower lived at his current Primary residence for the past XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 24 points above guideline minimum
2000091213 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x48

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 59 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000091228 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 16 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x65

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 4 points below guideline maximum
2000091230 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years at current job

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  728
2000091271 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x32

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 30 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 09 points below guideline maximum
2000091324 XXXXXX FL (No Data) ATR/QM: Exempt 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 verification of mortgage and PITI for XXX 4/5/24 - Lender provided a copy of the property detail report, reflect no mortgage, but 1003 reflects mortgage, need further clatification. per XXX:  Please note that this property is free and clear and currently under refinance with XXX but not yet funded. Thank you. 4/8/24 - The property does not have a lien currently.  Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000091332 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum of 70%
2000091355 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 104 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 21 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000091360 XXXXXX FL (No Data) ATR/QM: Exempt 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 documentation confirming other amount of $210.02 per the 1008. 3.22.24 - lender provided corrected application/1008 removing the $210.02. 3.22.24 - exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > x months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 19 points below guideline maximum.
2000091373 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITI above guideline minimum

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%
2000091375 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%
2000091392 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 19.37 points below guideline maximum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x222

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x82

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000091394 XXXXXX KY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3618 TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing No Provide All CDs issued to borrower, including the initial CD at least 3 business days prior to closing.  2/14/24 - Lender provided a copy of the missing Initial CD. 2/14/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 25.75 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is > 16.10 points below guideline maximum.
2000091394 XXXXXX KY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. 2/14/24 - Lender provided a copy of the missing Initial CD. 2/14/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 25.75 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is > 16.10 points below guideline maximum.
2000091394 XXXXXX KY Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID4579 TRID - CD: Missing Initial CD No Provide Initial CD received at least 3 business days prior to closing.  2/14/24 - Lender provided a copy of the missing Initial CD. 2/14/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 25.75 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is > 16.10 points below guideline maximum.
2000091397 XXXXXX NV Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 10 points below guideline maximum
2000091401 XXXXXX OK QM: Rebuttable Presumption (APOR) QM: Rebuttable Presumption (APOR) 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 > XXX months PITI above minimum guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000091404 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 24 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 23.35 points below guideline maximum.
2000091407 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for > XXX years
2000091414 XXXXXX WA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 40 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 27 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000091415 XXXXXX LA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets >XXX months above guideline minimum
2000091434 XXXXXX TX QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 171 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x82

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0x30x17
2000091441 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 69 points above guideline minimum

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided in departing property for the past XXX years
2000091454 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITI above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 50%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO >30 points above guideline minimum
2000091455 XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) C A C A A A A A C A C A A A A A Credit DTI Satisfied C A C A CRDDTI187 Debt Ratio > 50% No Missing fully executed Lease for XXX in the amount of XXXLeases in file are room rents that total XXX 2/27/24 - Lender provided a copy of a missing lease, reducing the DTI to under 50%. 2/27/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 10 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 79 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.
2000091465 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A A A D A D A A A 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 Provide Certificate of Compliance. Fee was listed on Closing Disclosure but certificate is missing from file.  2/23/24 - Lender provided a copy of the missing Certificat of Compliance. 2/23/24 - Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO >25  points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 11 points below guideline maximum
2000091465 XXXXXX IL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO >25  points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 11 points below guideline maximum
2000091473 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 66 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 22 points below guideline maximum.
2000091475 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 96 points above guideline minimum

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

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.
2000091476 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 30 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091478 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 35 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 80 points above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000091485 XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Items #4 & #5 on the list of homeowners counseling organizations are duplicates. Affordable XXX XXX1, XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 13 points above guideline minimum
2000091499 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 26 points below guideline maximum
2000091501 XXXXXX UT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum
2000091504 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 15 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091505 XXXXXX NV Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 23 points below guideline maximum.
2000091506 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 32.59 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 7 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Credit History: Borrower has 0x30x24

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091508 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 68 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 23 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITI above guideline minimum.
2000091515 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B A A A A C B C B A A A A C B Compliance Texas Home Equity Satisfied B A B A CMPTXHE320 TX Equity - Texas Equity : Missing T.42 Title Endorsement No Missing T.42 Title Endorsement. 4/5/24 - Lender provided an updated title policy with the endorsement. 4/5/24 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 26 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000091515 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B A A A A C B C B A A A A C B Compliance Texas Home Equity Satisfied B A B A CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement No Missing T.42.1 Title Endorsement. 4/5/24 - Lender provided an updated title policy with the endorsement. 4/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 26 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000091515 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B A A A A C B C B A A A A C B Compliance Texas Home Equity Satisfied C B C B CMPTXHE119 Texas Equity - Affidavit of Fair Market Value not signed by lender No Affidavit of Fair Market Value not signed by lender. 4/1/24 - Lender provided a Affidavit of Fair Market signed by the lender. 4/1/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 26 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000091519 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 assets > XXX months above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 53 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99
2000091534 XXXXXX FL (No Data) ATR/QM: Exempt D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Missing Appraisal Completion Certificate 1004d. 3/12/24 - Lender provided a copy of the 1004D reflecting the subject property has been completed. 3/12/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 39.23 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is > 29.42 points below guideline maximum
2000091537 XXXXXX NC Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA above guideline minimum
2000091552 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS2860: Good credit history
- Clayton Comments:  Median FICO > 16 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 16.99 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091558 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 752 exceeds program required score 700 by 52 points.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Overall DTI 26.26% below Max guideline DTI 49%.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Limited overall credit usage.
2000091561 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 146 points above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX  for the past XXX yrs

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 15 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000091568 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 130 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x72

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 10 points below guideline maximum
2000091584 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 67 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091586 XXXXXX TX (No Data) ATR/QM: Exempt C A C A A A A A C A C A A A A A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing XXX Estimates for both rental properties 2/19/24 - Lender provided a copy of the missing XXX estimates for both rental properties. 2/19/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 10 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 17 points below guideline maximum
2000091603 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 32 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is < 14.33 points below guideline maximum
2000091605 XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 71 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 5 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.
2000091626 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 66 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in departing primary for the past XXX years
2000091629 XXXXXX IL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 40 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 150 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 20 points below guideline maximum.
2000091632 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No HCO XXX  #4/#5 #7/#8 same (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has XXX years in same profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > x 12.86 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091635 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC225 Missing Rider No Missing PUD Rider. Appraisal lists as detached PUD and final CD indicates HOA dues not escrowed and an endorsement, which could be for PUD. Need clarification if property is PUD or SFR.  3/12/24 - Lender provided d copy of an updated appraisal reflecting the property to not be a PUD. 3/12/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower LTV is > 48 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 60 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8 points below guideline maximum.
2000091643 XXXXXX CA (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence
2000091645 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) 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 Payment for 2nd mortgage on REO XXX 2/13/24 - Lender provided a copy of the missing XXX payment on XXX. 2/13/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000091645 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No CPA letter does not state if business license is required. 2/13/24 - Verified Business license has been in place since XXX with the state of XXX. 2/13/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000091653 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 44 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  : Borrower DTI is > 5 points below guideline maximum.
2000091669 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 787 points above guideline minimum

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8 points below guideline maximum.
2000091682 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 102 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  : Borrower DTI is > 23 points below guideline maximum.
2000091685 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 120 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has >XXX months PITIA above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 30 points below guideline maximum.
2000091703 XXXXXX AZ (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 13 points above guideline minimum
2000091707 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 30 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: Borrower DTI is > 8 points below guideline maximum.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at her current residence for the past XXX years
2000091713 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 99 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99
2000091715 XXXXXX CA QM: Rebuttable Presumption (APOR) QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 65 points above guideline minimum
2000091720 XXXXXX TX QM: Rebuttable Presumption (APOR) QM: Rebuttable Presumption (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000091722 XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) 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 > XXX months PITIA reserves above minimum guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 40 points below guideline maximum of 50%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history shows as 0x30x108
2000091728 XXXXXX CA QM: Rebuttable Presumption (APOR) QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 24 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x21

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x105

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091730 XXXXXX WA (No Data) ATR/QM: Exempt 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 > XXX month PITI above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 50%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000091731 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Error

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for XXX years
2000091736 XXXXXX GA 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 > 5 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 106 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 13 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000091739 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 83 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091750 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) B A A A A A B A B A A A A A B A Compliance RESPA Satisfied B A B A CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No RESPA - List of homeowners counseling organizations not in file. 3/7/24 - Upon further review, the List of Homeowners Counseling Organizations  list was present in the original loan package. 3/7/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 45 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.
2000091754 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 89 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITI above guideline minimum.
2000091780 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) B B B B A A B B B B B B A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Items #2 & #3 on the list of homeowners counseling organizations are duplicates. Affordable Home ownership XXX XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 25 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 42 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 17 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091780 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) 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 Ownership seasoning <12 months for a cashout refi.  (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 25 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 42 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 17 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091793 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 16.39 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 11 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x74

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091799 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Items #7 & #8 on the list of homeowners counseling organizations are duplicates. Credit Coalition XXX. (No Data) (No Data) (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x47

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 45 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 31 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000091824 XXXXXX CA (No Data) ATR/QM: Exempt 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 > XXX months PITI above guideline minimum.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000091833 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) 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 History: Borrower has 0x30x26

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 74 points above guideline minimum
2000091847 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Over XXX years at current profession

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 20 points above guideline minimum
2000091862 XXXXXX MD (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Over XXX remaining after closing
2000091867 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 71 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8.82 points below guideline maximum.
2000091869 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV/CLTV/HCLTV is > XXX points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091878 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A C A A A A A C A C A A A A A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing XXX Estimate for XXX. rental.There is lease for XXX, however the 1003 is showing only XXX was used for rental lease. 3/7/24 - Received updated 1003 reflecting XXX/mo rental for XXX, but still missing the XXX Estimate.3/8/24 - Lender provided a copy of the missing XXX Rental estimate. 3/8/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 53 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091892 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 HOI for XXX. Property. 3/7/24 - Lender provided a copy of the XXX property transaction report and the report does not reflect any mortgage on the  XXX property, so no HOI is required. 3/7/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 23 points below guideline maximum.
2000091899 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  XXX years at current job.
2000091902 XXXXXX NC (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 115 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000091906 XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO >85 points above guideline minimum
2000091915 XXXXXX NY (No Data) ATR/QM: Exempt 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 HOI on primary 3/15/24 - Lender provided evidence the property is in the name of an LLC, no HOI requires. 3/15/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 116 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.
2000091949 XXXXXX UT (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 40 points below guideline maximum of 50%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 40 points above guideline minimum
2000091952 XXXXXX UT (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Final 1003 shows all rental properties having mortgages.Missing PITIA for Rental properties. 4/17/24 - Lender provided an updated 1008 an 1003 reflecting all debt and PITI payment on rental properties. 4/17/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 43 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 10 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets >XXX months above guideline minimum
2000091952 XXXXXX UT (No Data) ATR/QM: Exempt 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 PITIA information forXXXXXX.XXXXXX 4/16/24 - Lender provided RE tax and HOI info on all but XXX.  Exception remains4/17/24 - Lender provided explanation XXX is a land only, only RE taxes apply and they were provided, 4/17/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 43 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 10 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets >XXX months above guideline minimum
2000091953 XXXXXX UT (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No 1003 Sect: Schedule of Real Estate - does not indicate which properties are Free & Clear and which Priorities have mortgages. 3/6/24 - Lender provided an updated 1003 with each of the properties that are fee and clear having the box checked that a Mortgage Loan does not apply to that particular property. 3/6/24 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in his primary for the past XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 13 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091953 XXXXXX UT (No Data) ATR/QM: Exempt 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 verification of some or all components of non-subject PITI on all rental properties and 12 month pay histories. 3.6.2023Received missing documents for Rental properties, still missing Mortgage statements and HOI for;XXX (mortgage is with XXX  )XXX, (mortgage with XXX)3.7.2024Rec'd remaing missing HOI and Mtge information 3.6.2023Exception remains open 3.7.2023 Exception Satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in his primary for the past XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 13 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091953 XXXXXX UT (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing 12 months bank statements, only 2 months provided. (Used lender income for qualification) Additional conditions may apply. 3.1.2024 - Received from lender 12 months business bank statements for Income (XXX #XXX) 3.1.2024 - Exception Satisficed  (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in his primary for the past XXX years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 13 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091956 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 File missing borrower XXX card  2.23.24 - Lender responded borrower has a TR6 stamp on passport.2/27/24 - Upon further review, the TR6 designated the borrower as a spouse of a XXX.  XXX Card not needed. 2.23.24 - exception remains2/27/24 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is < 25 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 76 points above guideline minimum
2000091971 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 58 points above guideline minimum
2000091975 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x41

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 60 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000091981 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA reserves above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 40 points below guideline maximum of 75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000091982 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 53 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x49

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Median FICO > 93 points above guideline minimum
2000091984 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 21 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has 0 x 30 x 18
2000091987 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 15 points below guideline maximum
2000092001 XXXXXX UT Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000092043 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092053 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 Private Mtge: Missing 12 month pay history for borrower on XXX.XXX #XXX in name of XXX andXXX #XXX in name of XXX. not our borrower's name. 4/5/24 - Lender provided documentation the property is not in the borrower's name but in the name of a trust and not in teh name of the borrower. 4/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  731 middle score exceeds minimum of 620 per guides

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  56% below program max of 80%

CFCFS2860: Good credit history
- Clayton Comments:  No historical derogatory credit
2000092066 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 18 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x31

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092074 XXXXXX NJ Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated valuation.  Subject is a 3 family no XXX score available.  3/18/24 - Lender provided a XXX valuation report. 3/18/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 32.5 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 93 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > x 33.31 months PITIA above guideline minimum.
2000092081 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > points below guideline maximum.

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

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 57 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  : Borrower DTI is > 8 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITI above guideline minimum.
2000092083 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same profession for XXX years .
2000092096 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A C A A A A A C A C A A A A A Credit Insurance Satisfied C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date No Policy in file has, Effective Date on HOI is XXX and Expires XXX 3/20/24 - Lender provided a copy of the missing HOI that was in effect from XXX - XXX 3/20/24 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 38 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 29 points below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 57 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092102 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 121 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092104 XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) C A C A A A A A C A C A A A A A Credit Credit/Mtg History Satisfied C A C A CRDCRMH148 Credit report stale dated at closing No Missing Credit Report for C/B, XXX 2/28/24 - Located copy of current credit report for XXX. 2/28/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  : Median FICO > 61 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092106 XXXXXX OK QM: Rebuttable Presumption QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 54 points above guideline minimum
2000092107 XXXXXX CA (No Data) ATR/QM: Exempt 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 Missing XXXX "Borrowers Intent to Proceed with Loan and Business Purpose Loan Certification". 3/8/24 - Lender provided a copy of the missing Borrower Intent to Proceed and Business Purpose Loan Certification. 3/8/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 63 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092109 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 98 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8.57 points below guideline maximum.
2000092116 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No HCO XXX  #7/#8 same not in compliant. (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 45 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 171 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 19 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092117 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 37 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 134 points above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX for the past XXX years
2000092121 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 79 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x65
2000092123 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Median FICO > 63 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092127 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%
2000092137 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO  > 46 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum
2000092143 XXXXXX NC (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 115 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  0 x 30 x 60 x 22mos

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092169 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITI above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 50%
2000092174 XXXXXX IL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 63 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 12 points below guideline maximum.
2000092177 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) 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 Assets are XXX.45 or XXX months of PITIARequired PITIA Reserves are XXX x 6 = $XXX

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 92 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is < 16.15 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is < 25 points below guideline maximum
2000092185 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B A A A A D B D B A A A A D B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Items #5 & #6 on the list of homeowners counseling organizations are duplicates. XXX, . (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 15 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 25 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092185 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Provide Seller CD. 3/8/24 - Lender provided a copy of the seller CD 3/8/24 - Exception satisfied. Not Applicable Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 15 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 25 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092189 XXXXXX NV QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 8 points below guideline maximum
2000092190 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 40 points above guideline minimum

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has rented his current primary for the past XXX years
2000092196 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 26 points below guideline maximum
2000092197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in profession
2000092217 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITI above guideline minimum.
2000092222 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x58

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 12.64 points below guideline maximum.
2000092244 XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) C A C A A A A A C A C A A A A A Credit Income/Employment Satisfied C A C A CRDINC889 Income is Not Reasonable No Type of business not disclosed to determine if income is reasonable. 3/15/24 - Lender provided evidence of type of business the borrower owns, income deemed reasonable. 3/15/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 16 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092245 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors B B A A A A B B B B A A A A B B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Items #1 & #2 on the list of homeowners counseling organizations are duplicates. #6 has the same website and phone # as items #1 & #2. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 49%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum of 75%
2000092291 XXXXXX CT (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence, XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is < 35.07 points below guideline maximum of 49%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 29 points below guideline maximum.
2000092303 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 HOI for XXX property owned Free & Clear 3/12/24 - Lender indicated the property is owned free and clear, no HOI is required. 3/12/24 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  : Borrower DTI is > 25 points below guideline maximum.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower resided in her departing primary for the past XXX years
2000092306 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 37 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x37

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8.14 points below guideline maximum.
2000092308 XXXXXX GA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 84 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99
2000092315 XXXXXX NJ (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 33 points above guideline minimum
2000092317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 of $14.70 due to Recording fee increased on XXX with no valid reason in file. Provide PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery. 3/6/24 - Upon further review, the XXX PCCD reflects a Escrow Cure for Excess on Recording Fees charged in the amount of $43.00. 3/6/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 69 points above guideline minimum
2000092321 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 26 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x21

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092323 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA reserves above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 30 points below guideline maximum of 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092325 XXXXXX TX (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Insurance Satisfied D A D A CRDINSR848 Missing Hazard Insurance No Missing hazard binder. Document in file is a blank form.  3/12/24 - Lender provided a complete copy of the HOI. 3/12/24 - Exception satisfied. (No Data) Not Applicable CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x13

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 40.24 points below guideline maximum.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for XXX years.
2000092330 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 34 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x54

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092339 XXXXXX CO Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 45 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8 points below guideline maximum.

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x48
2000092357 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 23 points above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for the past XXX years
2000092359 XXXXXX CA QM: Rebuttable Presumption QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 14 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 67 points above guideline minimum
2000092376 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 0x30x25

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession, XXX years.
2000092381 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 70 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Credit History: Borrower has 0x30x62

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092383 XXXXXX NV QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 63 points above guideline minimum
2000092387 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 30 points above guideline minimum
2000092397 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA reserves above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 40 points above guideline minimum
2000092398 XXXXXX NV QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 45 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000092402 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 8 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 27 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 16 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092403 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 13 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 40 points above guideline minimum
2000092417 XXXXXX AL QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No Missing Final CD. Initial CD in file with close date of XXX, Note is dated XXX.  3/18/24 - Lender provided a copy of the missing final CD 3/18/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000092432 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 29.55 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 42 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x15

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092435 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 39 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092447 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 30 points below guideline maximum of 49%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum of 80%
2000092459 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 41 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092462 XXXXXX FL (No Data) ATR/QM: Exempt 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 the conversion of B1 income document, additional exceptions may apply. 3/27/24 - Lender provided a copy of the XXX to XXX conversion XXX in the original loan package. 3/27/24 - Exception satisfied. (No Data) Not Applicable CFCFS1752: No Verified Compensating Factors
- Clayton Comments:  No Verified Compensating Factors
2000092464 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 Mortgage payment 0x30x75

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000092473 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 92 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 9.02 points below guideline maximum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.
2000092483 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITI above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 45%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum of 75%
2000092490 XXXXXX DC (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 112 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 39 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000092494 XXXXXX PA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1736: Significant time at current residence
- Clayton Comments:  Over XXX years at current residence
2000092495 XXXXXX NC (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Letter from XXX. in file dated XXXOver year old, Need updated Letter 3/20/24 - Lender provided an updated letter from the XXX. 3/20/24 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  Median FICO > 115 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x57

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 12.98 points below guideline maximum.
2000092531 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 111 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 10 points below guideline maximum.
2000092548 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C A A A D B D B C A A A D B Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No Missing Final LE dated XXX per tracking in file. 4/5/24 - Lender provided a copy of the final LE 4/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x95

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000092548 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C A A A D B D B C A A A D B Compliance Texas Home Equity Satisfied C B C B CMPTXHE119 Texas Equity - Affidavit of Fair Market Value not signed by lender No Texas Equity - Affidavit of Fair Market Value not signed by lender. 4/5/24 - Lender provided a copy of the Fair market value disclosure. 4/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x95

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000092548 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C A A A D B D B C A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B 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 of $XXX due to Discount Points increased on XXX with no valid reason in file. Provide Final LE and COC shown on tracking for XXX or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of discovery. 4/5/24 - Lender provided a copy of the final LE 4/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x95

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000092548 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D B C A A A D B D B C A A A D B Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Missing percentage of Borrower's ownership of the business on the CPA letter 4/9/24 - Lender provided in formation that they agree with the CPA letter the borrower is 100% owner based on him reviewing the Sch C on the tax returns. 4/9/24 - Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x95

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post close assets > XXX months above guideline minimum
2000092554 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092556 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 18 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 56 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 3 points below guideline maximum
2000092563 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 104 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 30 months.
2000092566 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 14 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x82

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 31 months.
2000092577 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 15 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092583 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A B A D A D A A A B A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in profession
2000092583 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A B A D A D A A A B A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing Final closing statement for pending sale of XXX and proof of XXX mortgage loan# XXX and specialized Loan Service loanXXX are paid off.  3/26/24 - A 1003 was provided, but does not provide proof of payoff of the 2 mortgages referenced above. - Exception remains.3/26/24 - Lender provided an updated 1003 and 1008 reflecting the borrower paying the 2 mortgages, Clayton and XXX DTI's match. 3/26/24 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in profession
2000092585 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 80 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 34 points below guideline maximum.
2000092589 XXXXXX MD (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession, XXX years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 66 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  borrower has 0x30x82

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Post Close Assets are XXX or XXX months of PITIARequired PITIA Reserves are XXX x 6 = XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is < 45.20 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is < 68 points below guideline maximum
2000092604 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) B A A A A A B A B A A A A A B A Compliance Federal Consumer Protection Satisfied B A B A CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Missing initial Arm Disclosure dated XXX. 3/12/24 - Lender provided a copy of the Early ARM Disclosure issued at applicaton. 3/12/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > 45 months PITIA above guideline requirement

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 50 points below guideline maximum of 75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092607 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 62 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is > 10 points below guideline

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is 14.17 points < below guideline
2000092616 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 118 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x70

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 08 points below guideline maximum
2000092620 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Median FICO > 89 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092623 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Real Estate Broker is same company for both Borrower and Seller, fees just were not split 50/50 on the CD. Exception satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 43 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 105 points above guideline minimum
2000092623 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No Borrower's Post Close Assets are (XXX) or (-XXX) months of PITIA reserves Required PITIA Reserves are XXX x 6 months = XXX 3/14/24 - Lender provided a CPA letter funds used from business account would not adversely affect the business operations.  3/14/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 43 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 105 points above guideline minimum
2000092623 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Borrower's Post Close Assets are (XXX) or (-XXX) months of PITIA reserves Required PITIA Reserves are XXX x 6 months = XXX. 3/14/24 - Lender provided a CPA letter funds used from business account would not adversely affect the business operations.  3/14/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 43 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 105 points above guideline minimum
2000092637 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 9.35 points below guideline maximum.
2000092644 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITI reserves above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092653 XXXXXX TX QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 55 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x59

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 53.68 points below guideline maximum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 9.84 points below guideline maximum.
2000092660 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 45 points above guideline minimum
2000092661 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Canceled added in error.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 131 points above guideline minimum
2000092676 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITI above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 50%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092679 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 77 points above guideline minimum

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

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided in their Primary (subject) for the past XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.
2000092690 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD not in file 3/18/24 - Lender provided a copy of the missing seller CD 3/18/24 - Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 68 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 15.39 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000092691 XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 36 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  borrower has 0x30x33
2000092707 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 82 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 19 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092712 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) 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 verification of  all components of non-subject PITIXXX. - Property Report shows ownershipMissing Property Report for XXX. 3/21/24 - Lender documented the 2 properties are one in the same, the APN number matches on both documents. 3/21/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 15 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 21 points below guideline maximum.
2000092722 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI reserves above guideline minimum
2000092728 XXXXXX WA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 134 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x53

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 18 months.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum.
2000092746 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No 1003 reflect assets with XXX, Statements in file are XXX.Correct 1003 or provide XXX statements 4/16/24 - Lender provided updated 1003 reflecting XXX Bank accounts. 4/16/24 - Exception satisfied.  (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x52

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 28 points above guideline minimum
2000092746 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A A A D A D A A A A A Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 6 months = XXX 4/16/24 - Lender provided an updated bank statement with sufficient funds to meet the reserves requirements. 4/16/24 - Exception satisfied. (No Data) Not Applicable CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x52

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 28 points above guideline minimum
2000092761 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 15 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 88 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 13 points below guideline maximum
2000092766 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over XXX years at current job
2000092767 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 80 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x85
2000092780 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000092781 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 55 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092783 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 44 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 5.52 points below guideline maximum.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092821 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 76 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x94
2000092823 XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 27 points above guideline minimum
2000092836 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 137 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x58

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 24 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092853 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 54 points above guideline minimum

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Borrower has 0x30x32

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0x30x247

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI is > 4.77 points below guideline maximum.
2000092856 XXXXXX NV (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing "BUSINESS PURPOSE LOAN CERTIFICATION" the one in file is not signed.Required by GL's 3/28/24 - Lender provided a copy of the Business Purposes Loan Certification. 3/28/24 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession, XXX years.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0 x 30 x 60 x 99

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 86 points above guideline program minimum of 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000092872 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  : Median FICO > 150 points above guideline minimum

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 7 points below guideline maximum.
2000092872 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 Per Review, Lender exceeded 10% tolerance by $264.90.  No evidence of refund is in the file. 3/28/24 - Lender provided a copy of the missing COC for the fee increases. 3/28/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  : Median FICO > 150 points above guideline minimum

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

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 7 points below guideline maximum.
2000092885 XXXXXX IL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 145 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.
2000092894 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 102 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 16 points below guideline maximum.
2000092896 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Title Satisfied D A D A CRDTIL796 Missing Title No Missing Title Report 3/25/24 - Lender provided a copy of the missing Title. 3/25/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 30 points below guideline maximum of 49X%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 30 points below guideline maximum of 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000092900 XXXXXX WA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 14 points below guideline maximum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x94

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 38 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000092902 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 78 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x54

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 29 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000092906 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 96 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 41 months.
2000092919 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. 3/27/24 - Lender provided a copy of the XXX tracking reflecting the borrower agreed to the E-consent on XXX 3/27/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000092919 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Application Satisfied D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No Missing borrower's valid XXX 3/27/24 - Lender provided copies of the borrower's XXX and US ID's. 3/27/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000092925 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  : Median FICO > 11 points above guideline minimum
2000092938 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 125 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 22 points below guideline maximum
2000092940 XXXXXX IL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 05 points below guideline maximum

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at current residence for the past: XXX years
2000092945 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA reserves above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 20 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum.
2000092948 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 110 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99
2000092949 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B A A A A C B C B A A A A C B Compliance Texas Home Equity Satisfied C B C B CMPTXHE119 Texas Equity - Affidavit of Fair Market Value not signed by lender No Affidavit of Fair Market Value not signed by lender 4/2/24 - Lender provided a signed copy of the missing Fair Market Value disclosure. 4/2/24 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000092957 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 91 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 22 points below guideline maximum.
2000092963 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA reserves above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  XXX months paid as agreed
2000092967 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No This is a purchase of a Primary residence, there is no agreement on when the Tenant is departing property. There is an assignment of rents in file. 4/4/24 - Per the purchase contract, the purchase contract the property will be vacated by XXX.  4/4/24 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has rented departing residence for the past XXX years.
2000092976 XXXXXX NV QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA reserves above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 13 points below guideline maximum.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Over XXX years at current job
2000092977 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 5 points below guideline maximum of 49%
2000093011 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 44 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 36 points above guideline minimum
2000093012 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITIA reserves above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  over XXX years at current job
2000093016 XXXXXX MA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 37 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x99
2000093019 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 78 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 8 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower's have resided in their current primary for the past XXX years

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower XXX Artist for the past XXX years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000093024 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 54 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is < 5% below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.
2000093035 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A B A D A D A A A B A Compliance Federal Consumer Protection Satisfied B A B A CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Loan started as Fixed Rate but changed to I/O ARM on XXX CD. No ARM disclosure in file 3 business days after program change, only closing ARM disclosure found on XXX.  4/5/24 - Lender provided a copy of the missing Early ARM Disclosure. 4/5/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 66 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x71

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 26 months.
2000093035 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A B A D A D A A A B A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing HOI for XXX. Property 4/5/24 - Lender provided 2 month statements with 2 different payments, unable to determine monthly HOI - exception remains4/9/24 - Using the monthly mortgage statement, we were able to deduct teh RE taxes from the payment to arrive at HOI rate of $XXX/mo. 4/9/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 66 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x71

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 26 months.
2000093048 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A A A D A D A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 18 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x37
2000093048 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing 12 month P&L, only 1 month provided. 4/3/24 - Lender provided a 14 month P&L, along with revised 1008. 4/3/24 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 18 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x37
2000093051 XXXXXX FL (No Data) ATR/QM: Exempt 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 > XXX months PITI above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum of 75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000093052 XXXXXX MD Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX months PITIA reserves  above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Over XXX years at current job
2000093058 XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) A A A A A A A A A A A A A A A A                               CFCFS1745: Significant total monthly debt reduction
- Clayton Comments:  Over XXX monthly debt reduction
2000093064 XXXXXX GA (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 22 points above guideline minimum
2000093112 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1736: Significant time at current residence
- Clayton Comments:  XXX years at current residence

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 32.77%

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years on job
2000093125 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITIA reserves above guideline minimum.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 15 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000093126 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) 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 > XXX months PITI reserves above guideline minimum

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 in same line of work for XXX years
2000093140 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. 4/2/24 - Upon further review, the XXX tracking reveals the borrower e-accepted each document on the day they were issued. 4/2/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 61 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 5 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000093148 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 14 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  borrower has > XXX months PITIA above guideline minimum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrower LTV is < 3.01 % below guideline maximum
2000093167 XXXXXX TX (No Data) ATR/QM: Exempt 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 verification of all components of non-subject PITI for the 2 newly acquired Properties; XXX.XXX. 3/29/24 - Received HOI on both properties, still missing Real Estate taxes,4/2/24 - Lender provided copies of the tax bills for both XXX. 4/2/24 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 50%
2000093167 XXXXXX TX (No Data) ATR/QM: Exempt 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 Leases and/or XXX Estimates for XXX . & XXX. 4/2/24 - Lender provided copies of the XXX Rental Estimates for both houses. 4/2/24 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 50%
2000093171 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 90 points above guideline minimum 700

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves are XXX or XXX months PITIRequired reserves are XXX months PITI XXXx6= XXX

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is < 11.98 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrower LTV is < 22.22 points below guideline maximum
2000093199 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 > XXX PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000093220 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No The seller-paid broker commission fee was able to be sourced from the Seller's CD XXX. The exception is being satisfied.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 85 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 05 points below guideline maximum
2000093223 XXXXXX LA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 Missing evidence of change of circumstances letter for Zero tolerance,(Appraisal) increase, Credit of 131.25 on CD which is not enough to cover XXX; need a copy of a refund check in the amount of $XXX. 3/29/24 - Upon further review, the COC was present in  the original loan document package for the change in the fees. 3/29/24 - Exception satisfied. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 25 points above guideline minimum 680

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is < 15.44 points below guideline maximum 49%

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5% below guideline requirements 80%
2000093228 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 73 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x69

CFCFS1739: Postive mortgage payment history
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 24 months.
2000093265 XXXXXX PA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 7 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 107 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 4 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000093282 XXXXXX FL (No Data) ATR/QM: Exempt 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 Mortgage payment 0x30x42
2000093292 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 6 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 82 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000093300 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 79 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 5 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000093303 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 116 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is < 26.12 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is < 29.68 points below guideline maximum
2000093326 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  borrower has > XXX months PITIA above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is < 26.11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 26.11 points above guideline minimum
2000093340 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 10 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV is < 15 points below guideline maximum
2000093354 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. No Commissions fee were paid out. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 30 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 9 points below guideline maximum of 49%

CFCFS1736: Significant time at current residence
- Clayton Comments:  Over XXX years at current residence.
2000093389 XXXXXX GA (No Data) ATR/QM: Exempt 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's have > XXX months PITI reserves above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 10 points below guideline maximum of 49%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000093432 XXXXXX IN (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum of 75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000093444 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 84 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum
2000093448 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITI above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 50 points below guideline maximum of 80%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 100 points above guideline minimum
2000093450 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 84 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000093473 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 106 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x46

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 24 months.
2000093480 XXXXXX GA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum of 75%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000093488 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 75 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 9 points below guideline maximum
2000093578 XXXXXX TX QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) 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 > XXX months PITIA above guideline minimum

CFCFS2854: Significant time in profession
- Clayton Comments:  XXX years in profession.
2000093614 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 10 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrower LTV is < 5 points below guideline maximum
2000093677 XXXXXX FL Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 16 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
2000093685 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 108 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is < 15.98 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
2000093733 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 50 points above guideline minimum
2000093752 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 89 points above guideline minimum

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit show 0x30x82

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage history reflects 0 x 30 for the past 27 months.
2000093908 XXXXXX TX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  borrower DTI is < 15.98 points below guideline maximum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  borrower LTV is < 5 points below guideline maximum
2000094006 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 46 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 16 points below guideline maximum
4000003779 XXXXXX NC (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's score is 120 pts higher than the minimum allowed by guidelines.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has XXX months more in PITIA reserves than the required XXX months PITIA reserves required by guidelines.
4000003808 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 91 points above guideline minimum

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV 16.50%, maximum allowed 75%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x99

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 3 months = XXX.
4000003900 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 35 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
4000003903 XXXXXX NV Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors 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 CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 5 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 14 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
4000003905 XXXXXX CA (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 31.43 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 100 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower's Post Close Assets are XXX or XXX months of PITIA reserves Required PITIA Reserves are XXX x 3 months = XXX.
4000003918 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 5 points below guideline maximum.
4000003924 XXXXXX NV QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) C A A A A A C A C A A 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 Lender shows ATR Exempt vs Rebuttable Presumption 2.6.24 - Lender provided updated tape 2.6.24 - Exception satisfied (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Installment debt shows 0x30x36

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 48 points above guideline minimum
4000003924 XXXXXX NV QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Installment debt shows 0x30x36

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 48 points above guideline minimum
4000003940 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 90 points above guideline minimum

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower Mortgage payment 0x30x78
4000003942 XXXXXX FL (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 20 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 104 points above guideline minimum
4000003944 XXXXXX NV (No Data) ATR/QM: Exempt D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Pg1 of Application shows subject XXX as the borrower's Primary residence.Apprsl shows Owner OccupiedPg3 shows being retained as an investment and being refinanced as investment, there is also the signed Disclosure "Borrower's Intent to Proceed with Loan and Business Purpose Loan Certification" reason is; to expand business.Provide updated Primary housing information 2/29/24 - Lender provided a copy of application for file number XXX, and LOX reflecting the borrower intends to move from current residence and have it become a rental property. 2/29/24 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 18 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 27 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum.
4000003945 XXXXXX NV QM: Rebuttable Presumption QM: Rebuttable Presumption (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 27 points above guideline minimum
4000003946 XXXXXX CA Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 19 points above guideline minimum
4000003949 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID3952 TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established No On CD XXX and XXX under section "Loan Disclosures", "Escrow Account", page 4, is checked as "will have escrows" which contradicts the section "Projected Payments", "Estimated Taxes, Insurance and Assessments", page 1, which all boxes are checked "no" for escrows.  3/11-24 - Lender provided an updated XXX CD reflecting loan does not have an escrow account. 3/11/24 - Exception satisfied. Non-Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 20.47 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 48 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
4000003949 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) 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 Missing Verbal Verification of Employment dated within 90 days prior to Note date XXX Verification in file is dated XXX.  (No Data) (No Data) (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 20.47 points below guideline maximum.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 48 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum.
4000003953 XXXXXX TX (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Lives at current Primary for the past XXX years

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Borrower LTV is > 18 points below guideline maximum.
4000003954 XXXXXX NV Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A C A A A A A C A C A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. (No Data) (No Data) Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 64 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 3 points below guideline maximum
4000003954 XXXXXX NV Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C A C A A A A A C A C A A A A A Credit Insurance Satisfied C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date No HOI Effective date XXXFinal CD Disbursement date XXX 3/4/24 - Lender provided a copy of the updated HOI reflecting an effective date of XXX. 3/4/24 - Exception satisfied. Not Applicable Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 64 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 3 points below guideline maximum
4000003955 XXXXXX NV QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 41 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has >XXX months PITIA above guideline minimum.
4000003960 XXXXXX LA (No Data) ATR/QM: Exempt 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 > XXX months PITIA above guideline minimum.
4000003962 XXXXXX TX (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
4000003968 XXXXXX NV (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 16 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 25 points above guideline minimum
4000003969 XXXXXX NV (No Data) ATR/QM: Exempt A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 43 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 64 points above guideline minimum

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has > XXX months PITIA above guideline minimum
4000003972 XXXXXX NV QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV > 10 points below guideline maximum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI > 11 points below guideline maximum

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median Fico > 66 points above guideline minimum
4000003984 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) 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 CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Median FICO > 106 points above guideline minimum

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is > 23 points below guideline maximum.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  0 x 30 x 60 x 54

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  - Borrower has > XXX months PITIA above guideline minimum

 

 

 

Client Name:                                  
Client Project Name: PRKCM 2024-HOME1                                
Start - End Dates: 11/28/2023 - 4/4/2024                                
Deal Loan Count: 334                                
                                   
                                         
Conditions Report 2.0                                
                                         
Loans in Report: 334                                
Loans with Conditions: 105                                
                                         
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 Did Lender Acknowledge Exception at Origination
1000800870 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
1090300684 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
1090300695 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
1090300703 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
1090300722 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
1090300740 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
1100501038 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
1100501061 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
1100501068 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
1100501083 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000085624 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000086313 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A Not Applicable
2000087533 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000088432 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
2000088541 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000088779 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000088993 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A Not Applicable
2000089446 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000089448 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000089697 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090100 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090124 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090346 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090366 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090436 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090444 Yes XXXXXX XXXXXX D B A A A A D B D B A A A A D B Not Applicable
2000090483 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090529 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090653 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090793 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090811 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090831 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000090855 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000090881 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000090882 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000090921 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090955 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090956 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090975 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090989 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000090991 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091019 Yes XXXXXX XXXXXX B A B A A A A A B A B A A A A A Not Applicable
2000091032 Yes XXXXXX XXXXXX B A A A A A B A B A A A A A B A Not Applicable
2000091077 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
2000091134 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091161 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091174 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091189 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000091213 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091228 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091230 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091271 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091324 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091332 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091355 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091360 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091373 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091375 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091392 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091394 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
2000091397 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091401 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091404 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091407 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091414 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091415 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091434 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091441 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091454 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091455 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000091465 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
2000091473 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091475 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091476 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091478 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091485 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
2000091499 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091501 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091504 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091505 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091506 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091508 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091515 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000091519 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091534 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
2000091537 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091552 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091558 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
2000091561 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091568 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091584 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091586 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000091603 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091605 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091626 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091629 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091632 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
2000091635 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
2000091643 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091645 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091653 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091669 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091682 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091685 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091703 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091707 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091713 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091715 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091720 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091722 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091728 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091730 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091731 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091736 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091739 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091750 Yes XXXXXX XXXXXX B A A A A A B A B A A A A A B A Not Applicable
2000091754 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091780 Yes XXXXXX XXXXXX B B B B A A B B B B B B A A B B Not Applicable
2000091793 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091799 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
2000091824 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091833 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091847 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091862 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091867 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091869 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091878 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000091892 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091899 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091902 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091906 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091915 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091949 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091952 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091953 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091956 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000091971 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091975 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091981 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091982 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091984 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000091987 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092001 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092043 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092053 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092066 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092074 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
2000092081 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092083 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092096 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000092102 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092104 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000092106 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
2000092107 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000092109 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092116 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
2000092117 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092121 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092123 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092127 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092137 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092143 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092169 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092174 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092177 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092185 Yes XXXXXX XXXXXX D B A A A A D B D B A A A A D B Not Applicable
2000092189 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092190 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092196 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092197 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092217 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092222 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092244 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000092245 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
2000092291 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092303 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092306 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092308 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092315 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092317 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000092321 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092323 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092325 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092330 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092339 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092357 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092359 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092376 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092381 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092383 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092387 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
2000092397 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092398 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092402 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092403 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092417 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
2000092432 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092435 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092447 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092459 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092462 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092464 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092473 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092483 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092490 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092494 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092495 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092531 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092548 Yes XXXXXX XXXXXX D B C A A A D B D B C A A A D B Not Applicable
2000092554 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092556 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092563 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092566 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092577 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092583 Yes XXXXXX XXXXXX D A D A A A B A D A D A A A B A Not Applicable
2000092585 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092589 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092604 Yes XXXXXX XXXXXX B A A A A A B A B A A A A A B A Not Applicable
2000092607 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092616 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092620 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092623 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
2000092637 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092644 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092653 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092660 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092661 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092676 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092679 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092690 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
2000092691 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092707 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092712 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092722 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092728 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092746 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092761 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092766 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092767 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092780 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092781 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092783 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092821 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092823 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092836 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092853 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092856 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092872 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000092885 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092894 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092896 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092900 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092902 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092906 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092919 Yes XXXXXX XXXXXX D A D A A A C A D A D A A A C A Not Applicable
2000092925 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092938 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092940 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092945 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092948 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092949 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000092957 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092963 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092967 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000092976 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000092977 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093011 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093012 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093016 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093019 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093024 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093035 Yes XXXXXX XXXXXX D A D A A A B A D A D A A A B A Not Applicable
2000093048 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000093051 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093052 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093058 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093064 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093112 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093125 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093126 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093140 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
2000093148 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093167 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
2000093171 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093199 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093220 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093223 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
2000093228 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093265 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093282 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093292 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093300 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093303 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093326 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093340 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093354 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093389 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093432 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093444 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093448 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093450 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093473 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093480 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093488 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093578 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093614 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093677 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093685 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093733 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093752 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000093908 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
2000094006 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003779 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003808 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003900 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003903 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003905 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003918 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003924 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
4000003940 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003942 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003944 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
4000003945 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003946 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003949 Yes XXXXXX XXXXXX C B B B A A C B C B B B A A C B Not Applicable
4000003953 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003954 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
4000003955 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003960 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003962 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003968 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003969 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003972 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
4000003984 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable