EX-99.6 7 brhc10046719_ex99-6.htm EXHIBIT 99.6
Exhibit 99.6

Client Name:



Client Project Name:
 ACHM2023-HE1
Start - End Dates:
7/20/2022 - 11/28/2022
Deal Loan Count:
768






Conditions Report 2.0



 


Loans in Report:
768

Loans with Conditions:
348






89 - Total Active Conditions
    
 
66 - Material Conditions
  
     
35 - Credit Review Scope
       
1 - Category: Application
       
2 - Category: Credit/Mtg History
       
10 - Category: DTI
       
13 - Category: Income/Employment
       
1 - Category: Insurance
       
1 - Category: Legal Documents
       
5 - Category: Terms/Guidelines
       
2 - Category: Title
     
31 - Property Valuations Review Scope
       
1 - Category: FEMA
       
30 - Category: Value
 
23 - Non-Material Conditions
  
     
20 - Credit Review Scope
       
10 - Category: Credit/Mtg History
       
9 - Category: DTI
       
1 - Category: Income/Employment
     
3 - Property Valuations Review Scope
       
3 - Category: FEMA
424 - Total Satisfied Conditions
    
         
     
54 - Credit Review Scope
        3 - Category: Application
       
4 - Category: Credit/Mtg History
       
7 - Category: DTI
       
22 - Category: Income/Employment
       
10 - Category: Insurance
       
3 - Category: Legal Documents
       
1 - Category: Re-Verifications
       
2 - Category: Terms/Guidelines
       
2 - Category: Title
     
87 - Property Valuations Review Scope
       
2 - Category: Appraisal
       
62 - Category: FEMA
       
1 - Category: Property
       
22 - Category: Value
     
283 - Compliance Review Scope
       
2 - Category: Section 32
       
1 - Category: State Consumer Protection
       
3 - Category: State High Cost
       
157 - Category: Texas Home Equity
       
120 - Category: TILA
5 - Total Waived Conditions      
         
     
5 - Credit Review Scope
       
1 - Category: Credit/Mtg History
       
2 - Category: DTI
       
1 - Category: Income/Employment
       
1 - Category: LTV/CLTV

©2023 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:
ACHM2023-HE1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Start - End Dates:
7/20/2022 - 11/28/2022
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Deal Loan Count:
768
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Conditions Report 2.0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans in Report:
768
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans with Conditions:
348
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
5000000218
XXXXXX
XXXXXX
(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
- xxxxx Comments:  6 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 643 exceeds the minimum score of 600.
5000000262
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
B
B
C
A
C
B
C
B
B
B
C
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
TX EQ FMV not executed by lender.
08/02/2022 Client provided signed Affidavit of FMV. Condition satisfied
08/02/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 4.5 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 38 years and 8 months
5000000262
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
B
B
C
A
C
B
C
B
B
B
C
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
 APR FND Review 0.1420 Exceeds APR Tolerance 0.125.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 4.5 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 38 years and 8 months
5000000262
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
B
B
C
A
C
B
C
B
B
B
C
A
C
B
Credit
DTI
Waived
B
B
B
B
CRDDTI2540
Missing verification of some or all components of non-subject PITI
No
Missing HOI policy for XXX
Client acknowledged exception
Initial and Final Grade B
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 4.5 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 38 years and 8 months
5000000262
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
B
B
C
A
C
B
C
B
B
B
C
A
C
B
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
Missing current subsequent subject inspection report. Note date XXX The subsequent inspection report in file is dated 1/8/2021 which is prior to declaration. 2/21/2021
8/3 client provided a post disaster inspection showing no damage after FEMA disaster, report dated 8/2
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 4.5 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 38 years and 8 months
5000000763
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
B
A
C
B
C
B
A
A
B
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
TX EQ - FMV not executed by lender.
08/02/2022 Client provided executed Affidavit of FMV. Condition satisfied
08/02/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 7.83 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 40.7 years.
5000000763
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
B
A
C
B
C
B
A
A
B
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND Review: 0.1400 exceeds max 0.125.
12/07/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 7.83 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 40.7 years.
5000000763
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
B
A
C
B
C
B
A
A
B
A
C
B
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Missing subsequent subject inspection report on or after the Note date XXX The inspection report is date 2/10/2021 prior to the note date and the FEMA declaration date 2/19/21 and effective date 2/21/2021.
Client provided PDI reflecting no damage dated 7/29/2022.
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence - 7.83 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job - 40.7 years.
5000000815
XXXXXX
XXXXXX
(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
PRVAAPPR3116
Missing updated valuation
No
Missing updated third party valuation.
AVM received value supported
exception satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Fico 709 exceeds guide lines.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Positive mortgage payment exceeds guide lines.
5000000971
XXXXXX
XXXXXX
(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
- xxxxx Comments:  33.45 DTI below the 45% max

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  659 score exceeds 640 min
5000000985
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 4 years and 1 month at current job
5000001342
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 24+ years at current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.97%; Program max- 43.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 665; Program min- 640
5000001359
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Missing lender signature on Affidavit of Fair Market Value.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 7 years at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 3 years and 3 months on current job
5000001660
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide the FMV Affidavit signed by the Lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 2.42 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has significant time at current job 3 years
5000002032
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000002284
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
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.
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,964 - HELOC payment $703.41  = $1,260.59  monthly savings.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 69.39% is below the maximum allowable of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 21 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Borrower has 29 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned home for over 13 years.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Borrower has consumer credit history with 18 open accounts and numerous closed and the longest tradeline at 226 months which exceeds the requirement of minimum 3 tradelines with one seasoned as least 3 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 682 exceeds minimum required 600.
5000002284
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Credit
Terms/Guidelines
Active
C
C
C
C
CRDTER3122
Loan documents do not meet guideline requirements
Yes
Guidelines require proof that someone else has been making payments for a minimum of 12 months by providing cancelled checks/bank statements to evidence a contingent liability is a debt that the borrower is not currently required to pay. Lender provided bank statements reflecting 8 months payments made to  XXX for $1412 by another on 8-31-20, 10-7-20, 11-2-20, 12-3-20, 1-6-21, 2-3-21, 3-4-21, 4-2-21. Pages 8-15 of pdf are blank. Provide evidence of additional 4 months to meet guidelines.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,964 - HELOC payment $703.41  = $1,260.59  monthly savings.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 69.39% is below the maximum allowable of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 21 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Borrower has 29 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned home for over 13 years.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Borrower has consumer credit history with 18 open accounts and numerous closed and the longest tradeline at 226 months which exceeds the requirement of minimum 3 tradelines with one seasoned as least 3 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 682 exceeds minimum required 600.
5000002771
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 6 years on current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 4 years and 6 months at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  702 credit score is 32 points above the minimum required per guideline
5000004580
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 762.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 32.10%.
5000007043
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
TX EQ - FMV not executed by lender.
08/02/2022 Client provided executed Affidavit of FMV. Condition satisfied
08/02/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.43% DTI is below max allowable of 43%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  661 credit score exceeds min acceptable of 600
5000007493
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned the subject property for 15.58 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 100 points above guideline minimum of 600.
5000007724
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI (Back) of 25.60% is 19.40% below the 45% allowed for the program.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 724 is 124 points above the 600 FICO required for the program.
5000008270
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1300
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Total assets=$25,023.23

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 17 years
5000008348
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 683  below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV 74.85% below guideline requirements
5000008525
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
(No Data)
5000009398
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has significant time at current residence with 34.4 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history exceeds guidelines with 0 x 30 for the past 60 months or more.
5000009418
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
A
A
A
C
B
D
B
D
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
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  16 years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  18 years 7 months at current home
5000009418
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC Exceeds APR Tolerance >0.125:APR per Review 9.8640  Difference APR FD/APR Review 0.1360  Tolerance 0.125%
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  16 years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  18 years 7 months at current home
5000009418
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
Credit
Insurance
Satisfied
D
A
D
A
CRDINSR2400
Missing Flood Certification Document
No
file is missing the Flood Cert
11.21.2022 Client provided subject Flood Certification dated 7.2021 (not in flood zone)
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  16 years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  18 years 7 months at current home
5000009987
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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. Updated form with Post closing signature was provided, exception satisfied
(No Data)
Updated form with Post closing signature was provided, exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 695 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $3,485.45 - HELOC payment $1,462.63 = $2,022.82  monthly savings.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned property for over 16 years.
5000010331
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide Affidavit of Fair Market Value signed by lender.
8/2/2022: Client provided the lender signed FMV.
8/2/2022: Exception satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 726 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 26.39% below guideline requirement
5000010814
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  At current residence for over 19 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  At current job for over 6 years
5000010814
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per Review 9.3600  Difference APR FD/APR Review 0.1400  Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  At current residence for over 19 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  At current job for over 6 years
5000011038
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Section 32
Satisfied
C
A
C
A
CMPS32369
Section 32 Loan per APR Test
No
Benchmark Date 8/12/2021 Rate for Test 9.500% Benchmark Rate 2.180% Loan Rate / Benchmark Difference 7.320% Max. Loan Rate / Benchmark Difference 6.500%
12/02/2022 Client provided a Principal Reduction to cure. Exception was triggered due to Rate Lock date ( commentary was updated ) and not due to exceeding fee amount. Condition is active
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.41% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 651 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV 36.96% below guideline requirements
5000011038
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity - Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.41% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 651 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV 36.96% below guideline requirements
5000011038
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC Note 9.5%/0.0620
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.41% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 651 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV 36.96% below guideline requirements
5000011619
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 10 years and 6 months at current job

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X78
5000011660
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 622 exceeds guideline minimum of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (6 years) with current employer
5000012338
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
B
B
A
A
C
B
C
B
B
B
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 665 exceeds minimum required 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 14.36% is below the maximum allowable of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,414.65 - HELOC payment $654.36  = $760.29 monthly savings.
5000012338
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
B
B
A
A
C
B
C
B
B
B
A
A
C
B
Credit
DTI
Active
B
B
B
B
CRDDTI105
Debt Ratio Exception 5% or Less
No
DTI calculated at 46.50% based on income of $3,885.13 and HELOC + TIA $1,742.42 + Other debt of $64. Lender approved credit risk on 9-10-21 at DTI of 44.53% with compensating factors of Payment reduction of more than $800 and residual home equity of more than $200,000. *Lender grossed up social security 125% when total income exceeded the maximum income for single borrower of $34,000 per guidelines page 28.Provide approved credit risk at DTI of 46.50% based on updated income.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 665 exceeds minimum required 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 14.36% is below the maximum allowable of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,414.65 - HELOC payment $654.36  = $760.29 monthly savings.
5000012401
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
DTI
Satisfied
B
A
B
A
CRDDTI105
Debt Ratio Exception 5% or Less
No
DTI of 47.27% exceeds max allowed of 45%.
8/3 Client provided an Email; upon review Payoffs corrected DTI is 35.05
satisfied
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history exceeds guidelines verified from 11/2011 to 9/2021 with 0x30.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction $1,526.65.
5000012474
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Fair Market Value affidavit was not signed by lender.
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 8 years and 8 months at current residence

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 11 years and 9 months on current job
5000012474
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.136, which exceeds the tolerance of 0.125%. Unable to determine the source of the difference.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 8 years and 8 months at current residence

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 11 years and 9 months on current job
5000012852
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 29.33% below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 37.33 years
5000013006
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
NA
Last FEMA date is 9/15/2017.  XXX Exterior Inspection is dated 9/21/2021.
Condition satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at current job for 29 years..

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been at current residence for 18 years
5000013032
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12/2 Client provided a PDI dated 11/23/2022 showing no damage
Condition satisfied
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  17 years and 5 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  14 years and 4 months at current residence
5000013708
XXXXXX
XXXXXX
(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
- xxxxx Comments:  58.03% LTV below guideline requirement of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 685 exceeds guideline requirements of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 6.8 years at current residence.
5000014856
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower reducing debt by $672 per month

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Maximum LTV  80% Current LTV  20.95%
5000014858
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity - Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$6,533.96

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:689
5000014923
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co Borrower has been on the same job for 10.67 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000014923
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR difference 0.136 exceeds tolerance 0.125.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co Borrower has been on the same job for 10.67 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000014974
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Fico 638 exceeds guide lines.

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has been in the same profession for 9 years.
5000014975
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 648 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,687 - HELOC payment $689.19 = $997.81 monthly savings.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 64.27% is below the maximum allowable of 80%.
5000015161
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Maximum DTI per guidelines is 43%.  Loan closed with DTI of 31.78%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600. Loan closed with credit score of 649.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines, maximum LTV/CLTV is 80%.  Loan closed with LTV/CLTV of  13.01%/63.96%
5000015264
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Review 0.0155  exceed allowed Tolerance 0.125%
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  9 years at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years at current job.
5000015284
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
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
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past:15 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 772.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 52.08%.
5000015284
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
DTI of 66.18% is greater than the 43% DTI allowed.  Missing evidence of account payoffs to be made per the Disbursement of Loan Proceeds; therefore, the monthly payments for these accounts are included in the DTI of 66.18%.
12.8.2022 Client provided LOX stating: Disbursement of loan proceeds reflects the accounts to be paid which match the ones excluded from the DTI.  Response, current DTI includes all debts due to file missing evidence the required debts were actually paid off. HUD-1 in file do not reflect any debts were paid off, all cash to borrower.  Condition remains for evidence the required debts (per 1003) were paid off and upon receipt and review, the verified debts that were verified as being paid off will be removed from DD Firm DTI.  Initial condition remains 12/9 Client provided disbursement of loan proceeds for wrong loan #XXX, condition remains12/9 Client provided an Email that " loan is a cash out loan, Borrower received all cash proceeds, there were no required debt payoffs" Response; condition remains, calculated  DTI is 66.18%
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past:15 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 772.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 52.08%.
5000015355
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity - Affidavit of Fair Market Value not signed by lender.
08/02/2022 Client provided executed Affidavit of FMV. Condition satisfied
08/02/2022 Condition satisfied
(No Data)
Not Applicable
(No Data)
5000015355
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
TILA - HELOC Exceeds APR Tolerance >0.125. Difference APR FND/APR Review: 0.1360.
12/06/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
(No Data)
5000015384
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 63.29%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 703; Program min- 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 23.44%' Program max- 43%
5000015509
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 27.12 is below lender's guide line maximum.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Fico score 664 exceeds guide lines.
5000015547
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
No inspection since the FEMA Disaster 11/04/2022- Hurricane Ian-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12/2 Client provided a PDI dated 11/30/2022 showing no damage
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 731 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,929 - HELOC payment $699.06 = $1,229.94 monthly savings.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 13 years on current job.
5000015575
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 12.08 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 5% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 75 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 10% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $508.56.
5000015575
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Credit
Income/Employment
Active
C
C
C
C
CRDINC2488
Verbal verification of employment missing
Yes
Loan did not close within 30 days of the application date.  File is missing a verbal VOE for both borrowers no more than 10 business days from the note date.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 12.08 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 5% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 75 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 10% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $508.56.
5000015581
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Positive mortgage payment history for 43 months.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Fico 694 exceeds guide lines.
5000015583
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 39.46% below guidelines.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 643 exceeds guidelines.
5000015602
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years and 1 month at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  20 years at current residence.
5000015648
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 62.78%; Program max- 80.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 715; Program min- 670

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 48+ months
5000015696
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing date.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 654 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  11 years at current residence.
5000015750
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI Actual / Max 36.28

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV Actual / Max 23.62 / 90
5000015750
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Review 0.1360 exceed Tolerance 0.125%
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI Actual / Max 36.28

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV Actual / Max 23.62 / 90
5000015750
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Credit
Income/Employment
Active
D
D
D
D
CRDINC2408
Income verification does not meet guidelines
Yes
Guidelines require prior year W-2 for income verification, but this was not provided in the loan documents.
12/13 Client provided Final 2021 YTD paystub used in lieu of 2021 W2; condition remains for 2021 W2 as required by guidelines
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI Actual / Max 36.28

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV Actual / Max 23.62 / 90
5000015824
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on job for the past 4 years and 1 mo

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrowers have owned home for the past 9 years and 5 months
5000015841
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $676 monthly savings.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 641 exceeds min score requirements of 600.
5000015977
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value is not executed by the Lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The LTV is 75.03% and guidelines all the LTV to be 80%

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 35.71% and guidelines allow the DTI to be 43%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  The middle credit score is 694 and guidelines allow the credit score to be 600

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrower paid off $46,522.00 in consumer debt reducing the monthly debt service by $1,224.00 and received $9,809.67 cash in hand at closing.  $1,224.00 debt service savings - $572.63 new HELOC payment = $651.37 net savings.
5000016112
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 2 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  708 credit score is 38 points above the minimum required per guideline
5000016112
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM variance of -21.7601% exceeds guideline allowance of 10%. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -27.33% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 2 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  708 credit score is 38 points above the minimum required per guideline
5000016154
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000016186
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Income/Employment
Waived
B
B
B
B
CRDINC150
Income docs do not meet guidelines
No
W2 for B1 is marked "for employer". Per guideline W2s marked employer copy are not acceptable.
8/9 client provided an approved exception to allow the file with the employer W2 copy
xxxxx final grade is B
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.29% DTI is below max allowable of 45%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  649 credit score exceeds min acceptable of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have 21 years at current residence
5000016213
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender at closing date.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 681; Program min- 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 36+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.12%; Program max- 43%
5000016221
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
A
A
D
A
C
A
D
B
A
A
D
B
C
A
Compliance
Section 32
Satisfied
C
A
C
A
CMPS32371
Section 32 Loan per Points and Fees Test
No
Section 32 Loan per exceed Fees Test as follow:Adjusted Charges $2312.57Total Loan Amount $XXXMaximum Charges  5%Maximum Charges $2,022.50Charges Margin to Threshold $290.07Total Charges 5.717%
Client provided Compliance Ease reflecting underwriting fee was included in the origination charged. HUD supports.
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  792 Credit score exceeds guidelines of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.26% DTI below guideline requirement of 43%.
5000016221
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
A
A
D
A
C
A
D
B
A
A
D
B
C
A
Property Valuations
Appraisal
Satisfied
D
A
D
A
PRVAAPPR3116
Missing updated valuation
No
 Missing updated valuation to support $146,521 value.
08/31/2022 client provided an AVM supporting value.
Condition satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  792 Credit score exceeds guidelines of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.26% DTI below guideline requirement of 43%.
5000016221
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
A
A
D
A
C
A
D
B
A
A
D
B
C
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
OA is not supported by BPO.
8/31/2022 client provided an AVM which supported value with a +27.11%
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  792 Credit score exceeds guidelines of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.26% DTI below guideline requirement of 43%.
5000016283
XXXXXX
XXXXXX
(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
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 27.46%; Program max- 43%
5000016341
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide the FMV Affidavit signed by the Lender.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 34.46 below  guidelines .

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 24 years at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 633 exceeds guidelines.
5000016341
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.140). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/07/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 34.46 below  guidelines .

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 24 years at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 633 exceeds guidelines.
5000016409
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 683; Program min- 640

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 18 months
5000016447
XXXXXX
XXXXXX
(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
- xxxxx Comments:  32.10% DTI below guideline requirement of 43%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 747 exceeds guidelines of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  7.88% LTV and 58.43% CLTV below guideline of 80%.
5000016489
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 709 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  15 years at current job.
5000016501
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Fair Market Value affidavit was not signed by lender.
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:678

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 15 years
5000016522
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide Affidavit of Fair Market Value signed by lender.
8/2/2022: Client provided the lender signed FMV.
8/2/2022: Exception satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 696 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 37.31 % below guideline requirement
5000016541
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Fair Market Value affidavit was not signed by lender.
11/28/22 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 4 years and 10 months at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 23 years and 3 month on current job
5000016553
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Fico score 636 exceeds guide lines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 37.10 is below lender's guide line maximum.
5000016587
XXXXXX
XXXXXX
(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
- xxxxx Comments:  HCLTV 71.55%- Max 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 day mortgage lates
5000016608
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000016608
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per Review 9.8640  Difference APR FD/APR Review 0.1360  Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000016629
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 687 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 39.93% is below the maximum DTI per guidelines

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have 17 years at current residence.
5000016656
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
8/2/2022: Client provided the lender signed FMV.
8/2/2022: Exception satisfied.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  HCLTV 51.95%-  Max 80%
5000016656
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1380APR out of tolerance. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  HCLTV 51.95%-  Max 80%
5000016671
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Credit/Mtg History
Active
C
C
C
C
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
Yes
Lender did not include 2 revolving debts reported on credit for XXX XXX** with a payment of $20 and XXX XXX** with a payment of $31.  A print-out provided in the file for 1 account does not contain any identifiable information.  DTI will exceed 45% with these debts included in the liabilities.  File is missing documentation supporting the omission of these debts.
12.9.2022 Client provided duplicate print history of credit card #XXX with balance $0 and available credit of $1,500 which appears to be the XXX with payment of $31 now $0 balance but this print out also have a available credit at top of $24,383; condition remains to verify omission of the two debts: (1). Lender did not include 2 revolving debts reported on credit for XXX XXX** with a payment of $20 and (2). XXX XXX** with a payment of $31.
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 15% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 50 points above guideline minimum of 640.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $545.98.
5000016739
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 7 years and 1 month on current job

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 5 years and 1 month on current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  33.28% DTI is 9.72 points below the maximum allowed per guideline
5000016739
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.1080% a difference of 0.1420%, which exceeds the tolerance of 0.125%.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 7 years and 1 month on current job

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 5 years and 1 month on current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  33.28% DTI is 9.72 points below the maximum allowed per guideline
5000016771
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 655 exceeds guidelines
5000016821
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Title
Satisfied
C
A
C
A
CRDTIL100
Potential title issue
No
Provide documentation that 2nd mortgage with XXX has been removed from Title..  Subject loan must be in 2nd lien position
7/28 Per title commitment #9 has mortgage with XXX in the amount of $XXX dated XXX, condition remains8/3 Client provided updated title with XXX lien removed
satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  8.08 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  15.67 years
5000016882
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score: 659

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets= $13,399.28
5000016882
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.1080% a difference of 0.1420%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022  Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score: 659

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 10 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets= $13,399.28
5000016909
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
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
Texas Equity - Affidavit of Fair Market Value not signed by lender.
08/02/2022 Client provided executed Affidavit of FMV. Condition satisfied
08/02/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 5 years 7 months at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 7 years 3 months at current residence.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Mortgage history reports 63 mos. 0x30.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Qualifying CLTV 64.68% below program maximum 80.00%.
5000016909
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR tested at 0.1360 - Exceeds APR Tolerance >0.125
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 5 years 7 months at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 7 years 3 months at current residence.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Mortgage history reports 63 mos. 0x30.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Qualifying CLTV 64.68% below program maximum 80.00%.
5000016909
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Credit
Credit/Mtg History
Waived
C
C
C
C
CRDCRMH2416
Questionable factors on credit report
Yes
Missing borrower executed letter of explanation for inquiry from XXX Bank 2/21/22.  If new debt originated from inquiry terms of obligation would need to be verified.
Client acknowledged exception.
xxxxx's Final Grade C
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 5 years 7 months at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 7 years 3 months at current residence.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Mortgage history reports 63 mos. 0x30.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Qualifying CLTV 64.68% below program maximum 80.00%.
5000016916
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360APR out of tolerance. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
(No Data)
5000016917
XXXXXX
XXXXXX
(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
- xxxxx Comments:  14 years at current residence
5000016945
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 627 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 4.17 years.
5000016953
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
B
B
C
C
C
C
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 742 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 18.65%/36.53% below guideline requirements
5000016953
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
B
B
C
C
C
C
A
A
B
B
Credit
Income/Employment
Active
C
C
C
C
CRDINC890
Employment is Unsupported by Documentation in File
Yes
Per guidelines need a two year job history1003 in file do not reflect months or years with current employer and VVOE not required and file only have 2021 w2, unable to determine if having a two year history with current employer.  Provide updated 1003 covering/listing at least a 2 year job history.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 742 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 18.65%/36.53% below guideline requirements
5000016966
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  20.52%/71.74% LTV/DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower  has 34 months of 0x30 on current mortgage
5000016966
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.1360%, which exceeds the tolerance of 0.125%.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  20.52%/71.74% LTV/DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower  has 34 months of 0x30 on current mortgage
5000016966
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Credit
DTI
Active
D
D
D
D
CRDDTI2540
Missing verification of some or all components of non-subject PITI
Yes
1003 shows B2 with subject being their primary.  However letter in file from B1 states another address for B2.  If Borrower owns XXX provide full PITI.Additional conditions may apply
12/14 Client provided taxes $103.40 for XXX, still missing evidence of PI and insurance
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  20.52%/71.74% LTV/DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower  has 34 months of 0x30 on current mortgage
5000016966
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
1003 for B2 shows $1700/month in alimony.  Divorce docs in file do not show that amount.  Paystubs show $1500 salary advance but cannot verify this is for the alimony.  Provide verification of $1700/month
12.9.2022 Client provided LOX stating: 1003 may show alimony but it was not included in income calc. Please see screenshot showing what was used in income (employment income only). Documentation of receipt of alimony/amount not needed as we did not use for income, Additionally, we are using child support liability of $1697 as addressed on documents in the file.Sorry for spamming, the $1700 is in the Alimony/Child support box. Child support is $1697 and is supported by Alimony-Child support document in file. Response, appears the initial 1003 stated $1,700 however actual is $1,697 child support per documentation in file that B1 has to pay and included in DTI
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  20.52%/71.74% LTV/DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower  has 34 months of 0x30 on current mortgage
5000016967
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 18 years and 9 months at current residence
5000016967
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC NOTE 9.25/0.0253
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 18 years and 9 months at current residence
5000016967
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
Credit
Credit/Mtg History
Satisfied
D
A
D
A
CRDCRMH183
Credit report incomplete
No
Credit report is missing scoring. Provide credit report with credit scores.
11/22 Client provided an Email; on review; No credit report was located condition remains11/23 Client provided the credit report
Condition satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 18 years and 9 months at current residence
5000016975
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 687 exceeds minimum required 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 76.64% is below the maximum allowable of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,834 - HELOC payment $775.57 = $1,058.43 monthly savings.
5000016983
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has consumer credit history with 24 open accounts and numerous closed and the longest open tradeline at 129 months which exceeds the requirement of minimum 3 tradelines with one seasoned as least 3 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 688  exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 35.19%  is below the maximum allowable 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 72.42% is below the maximum allowable of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 10 years at current primary job and over 9 on secondary job.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,199 - HELOC payment $650.67  = $548.33  monthly savings.
5000017000
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  18.25 years at current job

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  675 score with a 600 Min
5000017074
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH123
No evidence of required debt payoff
No
Missing evidence of required (6) debts (per 1003 with * totaling $32,700) were paid off, not included in DTI
12.2.2022 Client provided LOX stating: This is a GA closing under our old pilot program where the members received all cash to payoff creditors at closing. borrower signed the ''Disbursement of Loan Proceeds'' letter acknowledging that they would be paying this account off with the funds received. Response, file being forwarded for further review, separate update to follow. 12.2.2022 Upon further review, initial condition remains for evidence required debts were paid off
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 650 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 31.72% below guideline requirement

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (13 years) at current job
5000017074
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH193
Length of mortgage/rental history in file does not meet guideline requirement
No
Credit report only reflects 10 months satisfactory housing history12 months is required, verify the additional 2 months satisfactory housing history
12.13.2022 Client provided LOX stating: Subject property was purchased on XXX, which means we only had 10 months of payment history (June 2021 to April 2022). This still satisfies our 6 months seasoning requirement.  Response, Acquired subject April 2021 and application date April 2022 with 10 months satisfactory payment history and have owned home at least 6 months for cash out requirement however guidelines states 0 x 30 in the 12 months, and per 1003 previously owned but this previous housing history not reflected on credit report.  Condition remains to verify additional 2 month satisfactory housing history.
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 650 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 31.72% below guideline requirement

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (13 years) at current job
5000017085
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 is not executed by Lender.
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Fico score 721 exceeds guide lines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment with 7 years at current jobs.
5000017097
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 742 exceeds guidelines with minimum credit score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence with 14.8 years.
5000017107
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment with 31 years at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  High fico score 721 exceeds guide lines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been living at current residence for 26 years.
5000017135
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  8 years at current home

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  638 score with 600 min
5000017135
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: %0.1360 exceeds allowed tolerance 0.125
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  8 years at current home

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  638 score with 600 min
5000017141
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 36.8% below guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has 8 years at current residence.
5000017165
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  30 years at current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  28.42% DTI is below guideline maximum of 43%
5000017170
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$5,396.61

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 5 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:779
5000017180
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
Property Valuations
FEMA
Active
B
B
B
B
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
XXX 9/22/22.  Exterior Inspection in file is dated 4/18/22.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  33.73% DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 0x30 on current and previous mortgages
5000017209
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Affidavit of Fair Market Value not executed by lender.
8/2/2022: Client provided the lender signed FMV.
 8/2/2022: Exception satisfied.
(No Data)
Not Applicable
(No Data)
5000017236
XXXXXX
XXXXXX
(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
- xxxxx Comments:  27.02% DTI below guideline requirement of 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  6.55% LTV and 65.45% CLTV below guideline of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 14 years at current job.
5000017277
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has lived at current residence for the past: 13 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score: 650

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$20,272.26
5000017306
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qual score- 711; Program min- 600

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  calc DTI- 37.31%; Program max- 43%
5000017331
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 15% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 75 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 5% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $717.61.
5000017351
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 8 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets= $7,787.87
5000017385
XXXXXX
XXXXXX
(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
- xxxxx Comments:  B1 has 28 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  credit score of 702 exceeds guidelines.
5000017511
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 69.55% is below the maximum LTV

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 676 exceeds the minimum score

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 22.33% is below the maximum DTI.
5000017511
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FD/APR Review 0.1360  exceeds allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 69.55% is below the maximum LTV

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 676 exceeds the minimum score

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 22.33% is below the maximum DTI.
5000017524
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000017587
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 698; Program min- 640

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 37 months

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 48+ months
5000017587
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per Review 9.8640  Difference APR FD/APR Review 0.1360  exceeds allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 698; Program min- 640

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 37 months

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 48+ months
5000017626
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 37.56 is below guidelines.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying Credit score of 651 is above  guidelines.
5000017626
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR calculation difference of 0.1380 exceeds APR Tolerance >0.125.  APR out of tolerance. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 37.56 is below guidelines.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying Credit score of 651 is above  guidelines.
5000017629
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 10 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 9.33 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 10% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 50 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 15% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,094.06.
5000017629
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 10 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 9.33 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 10% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 50 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 15% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,094.06.
5000017661
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide the FMV Affidavit signed by the Lender.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history is 0x30x99
5000017661
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history is 0x30x99
5000017719
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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.
8/2/2022: Client provided the lender signed FMV.
8/2/2022: Exception satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 35.48% below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 13.5 years
5000017719
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360
12/06/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 35.48% below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 13.5 years
5000017725
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000017759
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender. Lender uploaded FMV form with Post Closing signature. Exception satisfied.
(No Data)
Lender uploaded FMV form with Post Closing signature. Exception satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 653, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 18.05%, maximum LTV guideline is 80%.
5000017759
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 653, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 18.05%, maximum LTV guideline is 80%.
5000017767
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 647.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 39.35%.
5000017767
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 647.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 39.35%.
5000017774
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 is not executed by the Lender.
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 6 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV below guideline requirements 19.76/75.99
5000017774
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 6 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV below guideline requirements 19.76/75.99
5000017842
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity - Affidavit of Fair Market Value not signed by lender
08/02/22 Client provided the FMV Affidavit signed by the Lender.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 612 exceeds the required score of 600.

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

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Borrower's DTI 39% is below the max DTI of 45%.
5000017842
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
A
B
A
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360APR out of tolerance. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/07/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 612 exceeds the required score of 600.

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

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Borrower's DTI 39% is below the max DTI of 45%.
5000017846
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender. Lender uploaded FMV with post closing signature. Exception satisfied.
(No Data)
Lender uploaded FMV with post closing signature. Exception satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 11 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $1,491.92.
5000017846
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 11 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $1,491.92.
5000017862
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Missing Lender signature on Affidavit of Fair Market Value.Post Closing doc provided with lender signature, exception satisfied.
(No Data)
Post Closing doc provided with lender signature, exception satisfied.
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history is 0x30x56

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job for 10 years.
5000017863
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 622 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 41.08% is below the maximum DTI per guidelines.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 14.68% is below guidelines.
5000017863
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per Review 9.8640  Difference APR FD/APR Review 0.1360  exceeds allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 622 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 41.08% is below the maximum DTI per guidelines.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 14.68% is below guidelines.
5000017905
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
TX Equity Affidavit of Fair Market Value not signed by lender at Closing.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 17 years and 3 months at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  691 credit score is 21 points above the minimum required per guideline
5000017905
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.142). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 17 years and 3 months at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  691 credit score is 21 points above the minimum required per guideline
5000017957
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Final 9.25Periodic Rate  0.02530Rate Period  Daily 360APR .142
12/06/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
(No Data)
5000017957
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Credit
DTI
Waived
C
C
C
C
CRDDTI134
Debt Ratio Exception =>10%
Yes
Borrowers have two auto loans that were not added to the DTI. Unable to locate any exception for this.
Client acknowledged exception.
Final Grade C
(No Data)
Not Applicable
(No Data)
5000018015
XXXXXX
XXXXXX
(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
- xxxxx Comments:  25.61% DTI below guideline requirement of 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  7.74% LTV ,58.51% CLTV below guidelines of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 673 exceeds guidelines of 600.
5000018048
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 31.34%
5000018048
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 31.34%
5000018049
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 30.44% below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 13.25 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 11.67 years

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 75 months exceeds guidelines of 12 months.
5000018051
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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 at Closing.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 16 years and 3 months
5000018051
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 16 years and 3 months
5000018052
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
TX EQ FMV Affidavit not executed by lender.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has 7 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit  score of 690  exceeds guidelines.
5000018052
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per Review 9.1080 Difference APR FND/APR Review: 0.1420 > 0.125. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has 7 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit  score of 690  exceeds guidelines.
5000018069
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 621 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 40.77% is below the maximum guidelines.

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has 8 years in the profession
5000018069
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per Review 9.8640  Difference APR FD/APR Review 0.1360  exceed allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 621 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 40.77% is below the maximum guidelines.

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has 8 years in the profession
5000018109
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH123
No evidence of required debt payoff
No
Missing evidence of required (9) debts were paid off (per 1003 with * totaling $44,003), not included in DTI
12.2.2022 Client provided LOX stating: This is a GA closing under our old pilot program where the members received all cash to payoff creditors at closing. borrower signed the ''Disbursement of Loan Proceeds letter acknowledging that they would be paying this account off with the funds received. Response, initial condition remains for evidence debts were paid in full
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 703 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 18% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 30.12%/58.57% below guideline requirements
5000018109
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC2488
Verbal verification of employment missing
Yes
Missing VVOE Application date 5.19.2022 and Note date XXX = XXX days No VVOE found in Loan Origination System, nor in loan file
12.8.2022 Client provided post close VVOE dated 12.8.2022 with Note date XXX verifying employed however per guidelines within 10 days of Note date.  Initial condition remains
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 703 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 18% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 30.12%/58.57% below guideline requirements
5000018109
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
Credit
Income/Employment
Satisfied
D
A
D
A
CRDINC2408
Income verification does not meet guidelines
No
YTD paystub in file is for bonus, missing YTD base salary paystub supporting qualifying income
12.6.2022 Client provided LOX stating: Income calculation is based on a 12 month average. Paystub from 05/03/2022 is a bonus paystub bur breaks out vacation, regular pay, etc with current YTD hours used to meet that income. This provides sufficient information to get a 12 month average for current income. YTD base/regular pay is noted on that paystub at 600 hours for $12,496.99 with additional items such as vacation and OT broken out as well for YTD amounts. Paystub has needed information to support qualifying income since income is 12 month average of all income. Response, income calculation was completed using paystub and w2 is supported
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 703 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 18% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 30.12%/58.57% below guideline requirements
5000018178
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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.
08/02/2022 Client provided executed Affidavit of FMV. Condition satisfied
08/02/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 672 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 7 years.
5000018178
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
A
B
A
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360.APR out of tolerance. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/09/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 672 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 7 years.
5000018228
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on job since 10/15/2007.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 704 exceeds guideline minimum of 600.
5000018228
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.3600% a difference of 0.1400%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on job since 10/15/2007.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 704 exceeds guideline minimum of 600.
5000018230
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 16 years and 1 month at current residence

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 36.76 below guideline requirement.
5000018230
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.6120% a difference of 0.1380%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 16 years and 1 month at current residence

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 36.76 below guideline requirement.
5000018267
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has resided at the same residence for the past 16 years and 4 months

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job for the past 2 years and  8 months

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has positive mortgage payment history.  0x30 for 48 months reviewed.
5000018286
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Significant time at current residence 2 years.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower does not have any major mortgage related occurrences during the past two years; 0 x 30 for 30 months.
5000018302
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender at Closing.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 711 exceeds the minimum score of 600.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower does not have any major mortgage related occurrences during the past two years.
5000018302
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.142). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 711 exceeds the minimum score of 600.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower does not have any major mortgage related occurrences during the past two years.
5000018303
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 19 years at current job
5000018338
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
TX EQ FMV Affidavit is not executed by lender.
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 6 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 795 exceeds guidelines.
5000018351
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 7 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:691
5000018351
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1420 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 7 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:691
5000018411
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Over 11 years at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Over 9 years with current employer

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI below 43% required by the guideline
5000018497
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Missing PDI for Individual & Public declaration #4673 declaration date 9/29/22, Hurricane Ian
12/2 Client provided a PDI dated 12/01/2022 showing no damage
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 24.63%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 10% below max allowed 80%.
5000018498
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Lender did not sign the Affidavit of Fair Market Value at Closing.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.43% DTI below guidelines of 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  31.82% LTV below guideline requirement of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 720 exceeds guidelines.
5000018510
XXXXXX
XXXXXX
(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
- xxxxx Comments:  31.57% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  61.66%
5000018547
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
The Affidavit of Fair Market Value is not signed by lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence.
5000018547
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence.
5000018570
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 699 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  36.94% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  8.12% LTV,70.78% CLTV below guidelines of 80%.
5000018570
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FD/APR Review 0.1420  exceed allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 699 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  36.94% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  8.12% LTV,70.78% CLTV below guidelines of 80%.
5000018605
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 702 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV  53.12%below guideline requirements

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 36.78% below guideline requirement
5000018640
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Compliance
State High Cost
Satisfied
C
A
C
A
CMPSTHC318
NM High-Cost Loan by exceeding point and fee threshold,
No
Adjusted Charges $2,014.36 (6.782%). Maximum allowed Charges $1,485.00 (5.000%). Charges exceed max tolerance by $529.36.12/12/22 UPDATE: Upon further review by internal Compliance counsel, the Adjusted Charges exceed the max tolerance by $54.36.
(No Data)
Condition Satisfied upon review and fee adjustment by internal Compliance counsel.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  655 qualifying score

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  66.69% LTV

CFCFS1736: Significant time at current residence
- xxxxx Comments:  8.83 years at current residence
5000018642
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 23.40 is below lender's guide line maximum.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Fico score 680 exceeds guide lines.
5000018660
XXXXXX
XXXXXX
(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
- xxxxx Comments:  High fico score 748 exceeds guide lines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 28.02 is below lender's guide line maximum.
5000018670
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value is not executed by Lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Per VOE borrower has been on job since 6/18/2012.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 717 exceeds guideline minimum of 700.
5000018688
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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 at closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$49,833.42

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:619
5000018688
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$49,833.42

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:619
5000018693
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 12 years and 5 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 16 years and 2 months at current residence
5000018699
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 619 exceeds the minimum score.
5000018712
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
 Affidavit of Fair Market Value not signed by lender
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 662 exceeds the minimum score.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 69.54% is below the maximum allowable of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $929 - HELOC payment $597.48 = $331.52 monthly savings.
5000018712
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FD/APR Review 0.1360  exceed allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 662 exceeds the minimum score.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 69.54% is below the maximum allowable of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $929 - HELOC payment $597.48 = $331.52 monthly savings.
5000018714
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide the FMV Affidavit signed by the Lender.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 6 years and 9 months at current residence

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 12 years on current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  29.79% DTI is 13.21 points below the maximum allowed per guideline
5000018714
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 6 years and 9 months at current residence

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 12 years on current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  29.79% DTI is 13.21 points below the maximum allowed per guideline
5000018718
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV is 10% below max allowed 80%.
5000018760
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 14.25% below guideline
5000018762
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
The new AVM does not support the original AVM value. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -17.88% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 36.58% is below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Monthly debt reduced by 962.98.
5000018789
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Borrower has consumer credit history with 12 open accounts and numerous closed and the longest tradeline at 244 months which exceeds the requirement of minimum 3 tradelines with one seasoned as least 3 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 696 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,280 - HELOC payment $1,074.61 = $205.39  monthly savings.
5000018789
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Difference of 0.1360% exceeds the max tolerance of 0.125.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Borrower has consumer credit history with 12 open accounts and numerous closed and the longest tradeline at 244 months which exceeds the requirement of minimum 3 tradelines with one seasoned as least 3 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 696 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,280 - HELOC payment $1,074.61 = $205.39  monthly savings.
5000018798
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender at Closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 648 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 33.13% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,895.20 - HELOC payment $932.98 = $962.22 monthly savings.
5000018798
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 648 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 33.13% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,895.20 - HELOC payment $932.98 = $962.22 monthly savings.
5000018805
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Provide required VOE. Application greater than 30 from note date
12/7 Client provided VOE for B1
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  8 years at residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  655 qualifying score
5000018854
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.66% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  10.35% LTV ,46.73% CLTV below guideline requirement of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 659 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 33.33 years at current job.
5000018854
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.1360%, which exceeds the tolerance of 0.125%. Unable to determine the source of the difference.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.66% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  10.35% LTV ,46.73% CLTV below guideline requirement of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 659 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 33.33 years at current job.
5000018854
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM does not support original AVM value with a -10.33%. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -18.25% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.66% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  10.35% LTV ,46.73% CLTV below guideline requirement of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 659 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 33.33 years at current job.
5000018867
XXXXXX
XXXXXX
(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
- xxxxx Comments:  The borrowers have occupied the subject property for 44 years 5 months.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrowers paid off $112,034.00 in consumer debt which reduced the monthly debt service by $3,026.00
5000018931
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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 at Closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 10.99% is below the maximum guideline requirement of 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 76.07% is below the maximum guideline requirement of 80%.
5000018931
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 10.99% is below the maximum guideline requirement of 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 76.07% is below the maximum guideline requirement of 80%.
5000018975
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 708 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 42.3 % below guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 8 years at current job.
5000018975
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.1360%, which exceeds the tolerance of 0.125%.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 708 exceeds the minimum score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 42.3 % below guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 8 years at current job.
5000018997
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 637, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 17.94%, maximum LTV guideline is 80%.
5000018997
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 637, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 17.94%, maximum LTV guideline is 80%.
5000019014
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 726 exceeds guidelines with a minimum credit score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have significant time at current residence with 22.4 years.
5000019042
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years and 9 months at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 32.61%.
5000019062
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by an updated valuation with a -11.39% variance. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -12.24% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  694 qualifying score

CFCFS1736: Significant time at current residence
- xxxxx Comments:  12.92 years at residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  21.92 years at job
5000019117
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/28/22 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99
5000019117
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC Exceeds APR Tolerance >0.125 APR per Review is 9.8640 for a difference of 0.1360Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99
5000019122
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 35.92% exceeds the maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 666 exceeds the minimum score

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower is has 16 years of significant time at current employment
5000019136
XXXXXX
XXXXXX
(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
- xxxxx Comments:  9 years and 9 months at current residence

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  32.59% LTV is below guideline maximum of 80%
5000019140
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
(No Data)
exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 652 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,773 - HELOC payment $667.33 = $1,105.67 monthly savings.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 41.03% is below the maximum allowable 43%.
5000019140
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.1360%, which exceeds the tolerance of 0.125%.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 652 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,773 - HELOC payment $667.33 = $1,105.67 monthly savings.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 41.03% is below the maximum allowable 43%.
5000019169
XXXXXX
XXXXXX
(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
- xxxxx Comments:  19 years and 2 months at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 690 exceeds guidelines
5000019174
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 661 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 34.66% below guideline requirement
5000019174
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 661 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 34.66% below guideline requirement
5000019199
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Borrower has lived at current residence for the past: 5 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  35.03% DTI
5000019199
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.1360%, which exceeds the tolerance of 0.125%. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Borrower has lived at current residence for the past: 5 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  35.03% DTI
5000019211
XXXXXX
XXXXXX
(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
- xxxxx Comments:  7 years  at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrowers' credit score of 676 exceeds the minimum score of 600
5000019213
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5 years at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 643 exceeds the minimum score of 600.
5000019213
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5 years at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 643 exceeds the minimum score of 600.
5000019230
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Most recent AVM does not support original value with a -19% variance. Most recent estimated value taken 11/02/22 $146000 original value 07/05/22 $181020 BPO recommended. Updated BPO received and OAVM value is supported.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 6.08 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 16.25 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 15% below guideline maximum of 43%.
5000019249
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM dated 7/5/2022 with a value of $203,362 is not supported by secondary AVM dated 11/11/2022 with a value of $147,000, a -27.71% variance. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -18.86% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 766 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 28.77% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $557 - HELOC payment $341.64 = $215.36 monthly savings.
5000019285
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co Borrower has been on same job for the past 4 years and 6 months

CFCFS2860: Good credit history
- xxxxx Comments:  Borrowers have good credit. Currently 0 x 30 on all opened tradelines
5000019295
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
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
 Fair Market Value not signed by lender
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 5.08 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 9.08 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-borrower has been with current employer for 5 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,281.61.
5000019295
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 5.08 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 9.08 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-borrower has been with current employer for 5 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,281.61.
5000019295
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Credit
Income/Employment
Satisfied
C
A
C
A
CRDINC2488
Verbal verification of employment missing
No
Subject loan closed over 30 days from the application date.  File is missing a verbal VOE for both borrowers.  LOS website does not show VVOE information completed.
12/8 Client provided VOE's for both borrowers
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 5.08 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 9.08 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-borrower has been with current employer for 5 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,281.61.
5000019303
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 43.30% below guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 14 years at current job.
5000019307
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 44.19%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 656; Program min- 600
5000019311
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
DTI of 55.56% is greater than the 50% DTI allowed.  Missing evidence of account payoffs to be made per the Disbursement of Loan Proceeds; therefore, the monthly payments for these accounts are included in the DTI of 55.56%.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 20 years 1 month at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 27 years 3 months at current job.
5000019315
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
exception satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for more than 5 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $2,267.44.
5000019315
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Review 0.1420  exceed allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for more than 5 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $2,267.44.
5000019315
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated value does not support original value. Original value $883,147.00 and updated value is $782,000.00, a variance of -11.45%. 11/28/2022 BPO received which did not support the OAVM with a -19.04% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for more than 5 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $2,267.44.
5000019317
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 24.09 below guidelines.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 709 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has 19 years at current residence.
5000019332
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 39.67%  below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/cltv/hcltv  72.06% below guideline requirements
5000019362
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 8 years and 1 month on current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 29 years and 10 months at current residence

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.18% DTI is 10.82 points below the maximum allowed per guideline
5000019365
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
FEMA disaster effective 9/29/2022 Public & Individual XXX#4673. Provide post disaster property inspection.
11.28.2022 Client provided 3rd party exterior inspection dated 11.24.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 25.92% is below guideline maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 625 exceeds guideline minimum score of 600.
5000019367
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 697  exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV 66.84% below guideline requirements
5000019367
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 697  exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV/HCLTV 66.84% below guideline requirements
5000019369
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
Guidelines require debt to be paid off at closing to exclude from DTI. Lender provided a HUD settlement statement reflecting no payoffs and a note in file that the following debts were to be paid off: XXX. Provide satisfactory evidence that all of the above accounts have been paid in full.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 32.11% is below the maximum allowable of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 689 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower promised to pay off monthly debt of $2,418 - HELOC payment $851.16 = $1,566.84  monthly savings.
5000019369
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
AVM dated 11-11-22 estimated value $208,000 which does not support initial AVM of $239,833, exceeds tolerance.  Updated BPO received which supported the OAVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 32.11% is below the maximum allowable of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 689 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower promised to pay off monthly debt of $2,418 - HELOC payment $851.16 = $1,566.84  monthly savings.
5000019372
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI187
Debt Ratio > 50%
No
DTI 50.04% Missing evidence Disbursement of loan Proceeds debts have been paid in full
12.8.2022 Client provided LOX stating: total income is 2271.40 and total income is 5198.85. 2271.40/5198.85 = .4369 however appears DD Firm underwriter is including all debts however per 1003 there were quite a bit of debts omitted from Lender DTI but is currently included in DD Firm DTI of 50.04%; GA property, missing evidence of all debts per 1003 with * that were paid off, these are not reflected in Lender DTI.  Upon receipt and review debts that were verified paid off will be removed from DD Firm DTI.
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at current employment over 6 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Mid credit score is 677
5000019394
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 669 exceeds guideline minimum of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Per title borrower has owned home since 11/21/2017.
5000019413
XXXXXX
XXXXXX
(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
- xxxxx Comments:  34.60% DTI below guideline requirement of 43%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 747 exceeds guidelines.
5000019429
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Insurance
Satisfied
C
A
C
A
CRDINSR289
Insufficient Hazard Insurance Coverage
No
Insufficient Hazard Insurance Coverage
12.8.2022 Client provided LOX stating: Underwriter contacted XXX Insurance and confirm that Dwelling coverage of $144,900 will cover up to the replacement cost.  Response, loan file do not reflect documentation supporting coverage $144,900 is sufficient coverage. Initial Condition remains 12.8.2022 Client provided LOX stating called HOI and spoke to person verifying current dwelling coverages does cover up to the replacement cost however documentation reflects no name of borrower or property address etc, to support this belonging to our loan file.  Condition remains 12.14.2022 Client provided LOX stating: Underwriter contacted XXX Insurance and confirm that Dwelling coverage of $144,900 will cover up to the replacement cost Called (XXX) XXX-XXX spoke with agent stated that current dwelling coverage of $144,900 covers up to replacement cost est [policy number XXX]
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has occupied the subject property for more than 5 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  721 FICO exceeds the guideline minimum requirement of 600.
5000019431
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Disaster with declaration date of 9/29/2022, effective date 12/31/2099, XXX, declaration #4673
12.9.2022 Client provided 3rd party exterior inspection dated 12.8.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS2860: Good credit history
- xxxxx Comments:  Borrower has good credit history. Currently 0x30  on all opened trade lines

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 4 years and 5 months
5000019433
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Positive Mortgage payment history with no late payment for 36 months or more.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 683 exceeds guidelines with a minimum credit score of 600.
5000019440
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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.
11/28/22 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 722 exceeds the minimum score of 600.
5000019440
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 722 exceeds the minimum score of 600.
5000019450
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
A
A
B
A
B
A
A
A
A
A
B
A
Compliance
State Consumer Protection
Satisfied
B
A
B
A
CMPSTCP101
OH CSPA; Unable to determine prior refi made by govt.
No
Unable to determine prior refinance made by the government
11/22/2022 Client provided 1st lien Mortgage. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 7 years and 7 months on current job

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 14 years and 6 months on current job
5000019461
XXXXXX
XXXXXX
(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
Guidelines require YTD pay stub documenting all earnings and W-2's for the most recent calendar year or a WVOE documenting all YTD earnings and earnings for the most recent calendar year.  File contains YTD pay stub & W2 from current employer with a start date of 11/1/2021.  Missing documentation of 2021 wage earner income from previous employer 1/1/2021 - 11/1/21.
12.12.2022 Client provided LOX stating: XXX, income from 1/1/21-11/1/21 was not required because it is not required for income calculation. For any employment that started less than 12 months ago we use the start date of the job to calculate income. We do not factor in income from previous employment. Response, Agree as stated per the guidelines, However per the XXX VVOE in file reflecting original hire date of 1.25.2021 and most recent start date 11.18.2021; further clarification is needed on the original hire date of 1.25.2021 vs most recent start date of 11.18.2021 (for income calculation), if truly started with employer 11.18.2021 than income is based on the most recent YTD, if 1.25.2021 is the actual original start date than re-calculation of income may be required.  Condition remains for clarification of the two employment dates w/XXX employment 12.13.2022 Client provided LOX stating: Thank you for your reply. I've uploaded 2021 W2 from Roche to support actual start date of 11/18/2021.If the start date was the same as hire date (1/25/2021) then the W2 income should match 2022 YTD, which it doesn't. Response, income supported with using average number of months with current employer (less than 1 year)
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  29.72% DTI below guideline requirement of 43%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 679 exceeds guidelines.
5000019475
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Missing inspection for FEMA disaster 12/31/2099 Public XXX #4673 XX
12.13.2022 Client provided 3rd party exterior inspection dated 12.12.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 23.76% is below guideline maximum of 43%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Per title borrower has owned home since 7/3/2008.
5000019479
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 609 exceeds the minimum score.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 38 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Total assets =$47,622.46
5000019482
XXXXXX
XXXXXX
(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
- xxxxx Comments:  High fico 745 exceeds guide lines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been living at current residence for 44 years.
5000019484
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA229
Natural Disaster Area, Subseq inspect prior to Disaster (Public)
No
No inspection since the FEMA Disaster 12/31/2099- XXX-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12/2 Client provided a PDI dated 11/26/2022 showing no damage
Condition satisfied
(No Data)
Not Applicable
(No Data)
5000019487
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 71.90%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 625; Program min- 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 38.40%; Program max- 43%
5000019488
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
DTI of 53.45% is greater than the 50% DTI allowed.  Missing evidence of account payoffs to be made per the Disbursement of Loan Proceeds; therefore, the monthly payments for these accounts are included in the DTI of 53.45%.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 743 exceeds the minimum score of 600.
5000019509
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
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
Provide the FMV Affidavit signed by the Lender.
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The HCLTV is 75.35% and guidelines allow the HCLTV to be 80%

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrower paid off $62,234.00 in consumer debt and $20,528.23 of the deferred principal amount for a total of $82,762.23 and reduced the monthly debt service by $2,091.6 - $945.65 new HELOC payment = $1,145.95 net savings on the monthly debt service.
5000019509
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The HCLTV is 75.35% and guidelines allow the HCLTV to be 80%

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrower paid off $62,234.00 in consumer debt and $20,528.23 of the deferred principal amount for a total of $82,762.23 and reduced the monthly debt service by $2,091.6 - $945.65 new HELOC payment = $1,145.95 net savings on the monthly debt service.
5000019509
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Credit
Income/Employment
Active
D
D
D
D
CRDINC3204
Income Documentation Missing
Yes
Missing the 2021 W-2 statement and the last pay stub received from XXX
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The HCLTV is 75.35% and guidelines allow the HCLTV to be 80%

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrower paid off $62,234.00 in consumer debt and $20,528.23 of the deferred principal amount for a total of $82,762.23 and reduced the monthly debt service by $2,091.6 - $945.65 new HELOC payment = $1,145.95 net savings on the monthly debt service.
5000019523
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for Hurricane Ian.Please provide post disaster property inspection.
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  24.02% DTI below guideline of 45%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 627 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 19.58 years at current job.
5000019526
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 36.52% below guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 2.5 years
5000019531
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Missing PDI for Individual & Public declaration #4673 declaration date 9/29/22, XXX
12/9 Client provided a PDI dated 12/8/22 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 10% below max allowed 80%.
5000019536
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower Mortgage payment 0X30X99

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 22.43%.
5000019556
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Mid credit score of 692

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 40.16%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 10 years at current employment
5000019557
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 646 exceeds the minimum score.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on the same job for the past 10 years and 3 months

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been on same job for the past 6 years and 11 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have resided at the same residence for the past 8 years and 2 months
5000019558
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years at current job

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  8 years and 3 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  11 years and 2 months at current residence
5000019560
XXXXXX
XXXXXX
(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
- xxxxx Comments:  664 qualifying score. Min required per guidelines is 640.
5000019563
XXXXXX
XXXXXX
(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
- xxxxx Comments:  659 score exceeds 600 Min

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  73 LTV below 80% max
5000019572
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI (Back) of 42.44%.
5000019574
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Appraisal value of $517,010, AVM received of $436,000 is below the value by a variance of -15%.
11/4/2022 client provided an updated AVM which supported the OAVM.
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 651 exceeds the minimum score.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job with 17.1 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has significant time at current residence with 17.8 years.
5000019591
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been on current job for more than 15 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 646 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 30.29% is below guideline requirement.
5000019592
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Credit
Title
Active
D
D
D
D
CRDTIL796
Missing Title
Yes
Subject Property's Commitment of Final Title is missing in file. Please provide missing document
12.2.2022 Client provided LOX stating: Title commitment was uploaded on 7/25/22 and accepted. This is IA so, we will not be getting the same sort of title report as we would if we were obtaining title insurance.  Response, Property Report in file do not reflect title interest of Fee Simple, nor reflects policy amount of $54,300; initial condition remains 12/12 Client provided an Email that the Title report provided is accepted in Iowa; Upon review, the condition remains for evidence the property is held in "fee simple" which is required by guidelines
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 27.97%; Program max- 80.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 741; Program min- 600

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 26.23%; Program max- 43%
5000019593
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
The new AVM does not support the original AVM value. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -25.44% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  768 qualifying score

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6.08 years at residence

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  20.92 years at job
5000019597
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI106
Debt Ratio Exception >5% and <10%
No
Lender used only interest amount of $2016.15 plus HOA $21.00 leaving out Principle $744.90 for 1st lien. PITI is $3442.96. Lender approved DTI 40.14, actual 49.2806.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 4 years and 3 months at current residence
5000019599
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Verbal verification of employment executed within 10 days of note date is missing * Application date 7/15/2022 to Note date XXX exceeds 30 days.
12/7 Client provided VOE for B1
satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 11 years of significant time at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 655 exceeds guidelines minimum score.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV /CLTV/HCLTV 60.02%  below guideline maximum requirements
5000019602
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
No inspection since the FEMA Disaster 12/31/2099-XXX-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12/2 Client provided a PDI dated 11/29/2022 showing no damage
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 635 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 36.87% is below guideline maximum of 43%.
5000019605
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 669 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 14 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 31.83% is below guideline requirement.
5000019611
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM dated 7/16/2022 with a value of $701,573 not supported by secondary AVM dated 11/11/2022 with a value of $304,000, a -56.67% variance. BPO recommended. BPO received value not supported.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 687 exceeds guidelines.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  12.34% LTV,66.67% CLTV below guideline requirement of 80%.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  35.33% DTI below guideline requirement of 45%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 12.5 years at current job.
5000019616
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 21.65%  below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 705 exceeds guidelines
5000019617
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Missing PDI for Individual & Public declaration #4673 declaration date 9/29/22, Hurricane Ian
12/12 Client provided a PDI dated 12/9/22 Showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 6 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$5,272.09
5000019618
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 715, minimum allowed is 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 32.97% is below the maximum DTI.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in current residence over 19 years.
5000019619
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
11/22/2022 Lender provided executed FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 48+ months

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.75%; Program max- 43%
5000019619
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 48+ months

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.75%; Program max- 43%
5000019621
XXXXXX
XXXXXX
(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
- xxxxx Comments:  High fico score 745 exceeds guide lines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been living at current residence for 23 years.
5000019623
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 16 years on current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The total DTI is 22%
5000019624
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 654 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  14 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  19 years at current residence.
5000019627
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Texas Equity - Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has lived 19+ years at current residents

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 22+ years at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 66.88%; Program max- 80.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 692; Program min- 640

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 99 months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 27.28; Program max- 43%
5000019627
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FD/APR Review 0.1360  exceeds allowed Tolerance 0.125%
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has lived 19+ years at current residents

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 22+ years at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 66.88%; Program max- 80.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 692; Program min- 640

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 99 months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 27.28; Program max- 43%
5000019643
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  27 years and 11 months at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  11% LTV is below guideline maximum of 80%
5000019646
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender. Lender uploaded FMV with Post Closing signature, exception satisfied.
(No Data)
 Lender uploaded FMV with Post Closing signature, exception satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  38.19% DTI below guideline requirement of 45%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 611 exceeds guidelines.
5000019646
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
12/05/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  38.19% DTI below guideline requirement of 45%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 611 exceeds guidelines.
5000019653
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 16 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 20.82% is below guideline requirement.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 6.67 years.
5000019658
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
Reviewer calculated income for B1 of $5,884.75 + B2 of $5,416.66 = $11,301.41. Subject PITI of $3,094.74 + other debt of $3,391.00 = $6,485.74 / $11,301.41 = 57.39% DTI.  Variance is due to the Lender utilizing B2 income of $5,705.12 and not including consumer debt payments to be paid of and listed on the Disbursement of Loan Proceeds.  Missing documentation to support all debts listed have been paid.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and prior mortgages paid agreed with 0x30.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed at current employer for 5.17 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property since 5/31/1995.
5000019659
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 5.75 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV of 10.17%/72.51% is below the maximum LTV/CLTV

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 663 exceeds the minimum score
5000019666
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Mortgage payment history of 64 months exceeds guidelines of 12 months

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 65% below guideline requirements of 80%
5000019672
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
A
A
A
Credit
Insurance
Active
C
C
C
C
CRDINSR5351
Insurance Effective date is greater than the transaction date
Yes
Insurance effective 8/16/2022. Disbursement date XXX
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 676 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 35.87% is below guideline maximum of 43%.
5000019672
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
No inspection since the FEMA Disaster 12/31/2099- Hurricane Ian-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12/13 Client provided disaster inspection dated 12/10/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 676 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 35.87% is below guideline maximum of 43%.
5000019673
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
B
B
C
B
Compliance
Texas Home Equity
Satisfied
C
B
C
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value not signed by lender
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with same employer for over 8 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for 8 years.
5000019673
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
B
B
C
B
Compliance
TILA
Satisfied
A
B
A
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with same employer for over 8 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for 8 years.
5000019673
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
B
B
C
B
Property Valuations
Value
Satisfied
A
A
B
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM does not support value used by lender. Lender valuation $807,721.00, updated valuation $674,000.00.
11/7/2022 client provided an updated AVM which supported the OAVM.
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with same employer for over 8 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for 8 years.
5000019674
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Credit
Income/Employment
Satisfied
C
A
C
A
CRDINC2488
Verbal verification of employment missing
No
 Verbal verification of employment executed within 5 days of Note date XXX is missing*Application date 7/19/2022 to Note date XXX exceeds 30 days.
12/8 Client provided a VVOE dated 12/8/22 showing the Borrower is currently actively employed matching the 1003 employment; file has telephone VVOEs dated 8/18/22 for each borrower meeting guidelines
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 725 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.68% below guideline requirement
5000019674
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM value $134,000 (11/01/22) does not support the property value $234,561 used in the transaction, difference exceeds 10% threshold.
11/4/2022 client provided an updated AVM which supported the OAVM.
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 725 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.68% below guideline requirement
5000019683
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Terms/Guidelines
Active
C
C
C
C
CRDTER3122
Loan documents do not meet guideline requirements
Yes
Loan does not meet required $200 monthly savings
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  26.58 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  4.5 years at residence
5000019688
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
B
A
C
A
C
A
A
A
B
A
C
A
Compliance
State High Cost
Satisfied
C
A
C
A
CMPSTHC318
NM High-Cost Loan by exceeding point and fee threshold,
No
Adjusted Charges $2,257.42 Total Loan Amount $XXXMaximum Charges % 5.000% Maximum Charges $1,790.00 Charges Margin to Threshold $467.42 Total Charges % 6.306% Exceeds fees test threshold? Yes
(No Data)
Condition satisfied by internal Compliance counsel after closing cost fee adjustment.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  41.72%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  7.25 years at job
5000019688
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
B
A
C
A
C
A
A
A
B
A
C
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Provide post disaster inspection:Declaration: 5/4/2022 Effective: 7/23/2022 Public Wildfires, Straight-Line Winds, Flooding, Mudflows, And Debris Flows #4652
12.12.2022 Client provided exterior inspection dated 12.08.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  41.72%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  7.25 years at job
5000019691
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated valuation does not support AVM valuation.  There is a -18.33% variation. BPO recommended. 11/28/2022 BPO received which did not support the OAVM with a -32.76% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 35.76% below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 5.58 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV at 74% below guideline requirements of 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 53 months exceeds guidelines of 12 months
5000019694
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 34.94% below guideline requirement of 43%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV at 68% below guideline requirements of 80%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 7.75 years
5000019703
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Insurance policy effective date is 8-15-22 and note date is XXX with a Disbursement date of XXX Provide evidence of insurance coverage in effect at note date.
12.12.2022 Client provided LOX stating: Uploaded policy from 8/15/2021 to 8/15/2022 and we closed the loan on XXX; Response, prior HOI policy provided
Condition satisfied
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 709 exceeds minimum required 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 71.71% is below the maximum allowable of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,999 - HELOC payment $981.69 = $1,017.31  monthly savings.
5000019709
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 25.45%  below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 698 exceeds guidelines
5000019712
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
C
A
C
A
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
No
Provide documentation supporting Hyundai installment payment disclosed on 1003. Subject to DTI recalc and may be subject to additional conditions.
12/13 client provided an Email that the UW used a 5% payment to be conservative; upon review the GLs do not allow a 5% payment when no payment is reported on an installment loan; Condition remains; provide evidence of the monthly installment payment for Hyundai loan12/14 Client provided credit supplement to support XXX payment of $999, DTI  20.18%
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  672 qualifying score

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  29.87% DTI
5000019720
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 721 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 13.00%/54.57% below guideline requirements
5000019722
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has a positive mortgage payment history for 30 months.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Fico 610 exceeds guide lines.
5000019726
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
The original AVM value is not supported by the updated AVM with a variance of -19.78%. 11/28/2022 BPO received which did not support the OAVM with a -19.11% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  23.62% DTI below guideline requirement of 43%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 33.8 years on current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 702 exceeds guidelines.
5000019734
XXXXXX
XXXXXX
(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
- xxxxx Comments:  High fico score 750 exceeds guide lines.

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has been in the same profession for 7 years.
5000019738
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Disaster with declaration date 9/29/2022, effective 12/31/2099,XXX, declaration #4673
12/8 Client provided disaster inspection dated 12/7/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have resided at the same residence for the past 16 years and 11 months

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrowers have Positive mortgage payment history. 0x30
5000019744
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 716 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  7 years at current residence.
5000019746
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Co-Borrower has been in same profession for the past 5 years

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrowers have positive mortgage payment history. 0x30 lates
5000019749
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Re-Verifications
Satisfied
C
A
C
A
CRDRVRFC1803
Debts/Obligations that were not discl at origination revealed through independent re-verification
No
Provide proofs for excluding the following debts reflect in credit report 7/20/22 from the total DTI:XXX / 19,103XXX / 4,838XXX / 4159
11.21.2022 Client provided LOX stating: Closing disclosure for refinance with XXX shows XXX, XXX, and XXX were paid withXXX refinance. Response, file do have a CD from refinance with these debts being listed as being paid off however don't appear to be the final, (CD not signed).  Condition remains for the final signed CD from the 1st MTG refinance supporting these three (3) debts paid off 12.13.2022 Client provided executed final CD from refinance of subject 1st MTG showing the 3 debts in question being paid off as of XXX (disbursement date of 1st mtg refinance) and subject Note date XXX
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 658 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 33.89% below guideline requirement
5000019750
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has resided in subject property for the past 6.5+ years

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrowers mortgage history has been 0 x 30 for the past 18 years
5000019751
XXXXXX
XXXXXX
(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
- xxxxx Comments:  671 credit score exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.04% DTI is below guideline maximum of 43%.
5000019753
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 660 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 33.45% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,729 - HELOC payment $752.47 = $976.53  monthly savings.
5000019754
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI (Back) of 30.86%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 69.78%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 698.
5000019756
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -11.11% variance. 11/28/2022 BPO received which did not support the OAVM with a -19.35% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The total LTV is 40%
5000019760
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 649 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job 3.17 years
5000019762
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value of $358,328 is not supported by updated AVM value of $268,000. Variance of -25%. 11/28/2022 BPO received which did not support the OAVM with a -26.05% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 713 exceeds the minimum score of 600.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower does not have any major mortgage related occurrences during the past two years.
5000019763
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM has a -12.9192%  variance which is greater than the 10% allowed. 11/28/2022 BPO received which did not support the OAVM with a -12.92% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 54.67%; Program max- 80%

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 28.85%; Program max- 43%
5000019771
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 731 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 23.58% below guidelines.
5000019771
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.142). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 731 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 23.58% below guidelines.
5000019774
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 17 years on current job

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  No late payments on the mortgage history
5000019776
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
Provide post disaster inspection for the following occurrence:Declaration: 9/29/2022; Effective: 11/4/2022; Public & Individual XXX #4673
12/13 Client provided disaster inspection dated 12/9/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 14 years at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 12 years and 9 months at current job

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X39
5000019784
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 667 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,819 - HELOC payment $799.63 = $1,019.37  monthly savings.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 75.57% is below the maximum allowable of 80%.
5000019790
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 8 years 7 months at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 10 years 2 months at current job.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 50.46%.
5000019795
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Mortgage payment history of 29 months exceeds guidelines of 12 months

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 22.67 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has significant time at current job of 6.25 years
5000019800
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 688 exceeds guideline minimum of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Per VOE borrower has been on job since 7/15/1997.
5000019805
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
XXX AVM not supported variance -21.91%. 11/28/2022 BPO received which did not support the OAVM with a -17.27% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 54.42%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 747; Program min- 670

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 21+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 30.78%; Program max- 43%
5000019807
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
HOA policy in file shows coverage starting 8/21/2022 and Note date is XXX
12.13.2022 Client provided LOX stating: Uploaded policy from 2021 to 2022 which confirms the coverage on note date of XXX; satisfied with prior policy that was provided and current policy in file
Condition satisfied
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with his current employer for more than 22 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  648 FICO exceeds the guideline required 600.
5000019819
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 698 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 18.59%/58.46% below guideline requirements

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (18 years) at current job
5000019820
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH123
No evidence of required debt payoff
No
No evidence of required (7) debts paid off (per 1003 debts with * totaling $25,684) not included in DTI
12.2.2022 Client provided LOX stating: This is a GA closing under our old pilot program where the members received all cash to payoff creditors at closing. borrower signed the ''Disbursement of Loan Proceeds'' letter acknowledging that they would be paying this account off with the funds received.  Response, Initial condition remains for evidence required debts were paid off
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 721 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 18.02%/66.97% below guideline requirements
5000019823
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
No inspection since the FEMA Disaster 11/04/2022-  XXX. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12/2 Client provided a PDI dated 12/02/2022 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 22 years and 6 months.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.64% DTI is below guideline maximum of 43%.
5000019824
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
The new AVM does not support the original AVM value with a -16.48% variance. 11/28/2022 BPO received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 751 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 23 years at current job.
5000019826
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 695 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 7.08 years.
5000019829
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Declaration Date 9/29/2022 for XXX. Please provide post disaster property inspection.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past:17 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Assets from CD=$8,808.51

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Co-Borrower Representative Score: 706
5000019834
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH123
No evidence of required debt payoff
No
(1). No evidence of required (9) debts paid off, per 1003 debts with * totaling $41,912 not included in DTI (2). Missing documentation for what the debt $249 a month payment is for on addendum page of 1003 (included in Lender DTI)
12.2.2022 Client provided LOX stating: This is a GA closing under our old pilot program where the members received all cash to payoff creditors at closing. borrower signed the ''Disbursement of Loan Proceeds'' letter acknowledging that they would be paying this account off with the funds received. Response, both initial conditions remains and is needed
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 675 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 28.82% below guideline requirement

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (17 years) at current job
5000019838
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 7 years 7 months at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 8 years 6 months at current job.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 45.55%.
5000019846
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Application
Active
C
C
C
C
CRDAPP131
Occupancy status not supported by file documentation
Yes
Both 1003s indicates the borrower does not intend to occupy the property in Section VII Details of Transaction while the subject is indicated on page 1 to be the current residence.  No explanation documentation was found in the file.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 36.37% and guidelines allow the DTI to be 43%

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrower paid off $16,395.00 in consumer debt reducing the monthly debt service by $563.00 and received $7,647.01 cash in hand at closing.  $563.00 monthly debt savings - $358.57 P&I on HELOC = $204.43 net savings.
5000019846
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH123
No evidence of required debt payoff
No
No evidence of the $6,000.00 tax lien being paid off as required on the Underwriting Approval.
12.2.2022 Client provided LOX stating: There is no evidence of a tax lien on the preliminary or final title reports. And no tax lien listed in liabilities to be paid at closing. In review of the final approval, there is no requirement to payoff a tax lien either. Response, Lender Conditional approval in loan file reflect accounts to be paid off: includes Tax Lien $6,000; condition remains for copy of Lender FINAL Underwriting Approval that do not reflect this tax lien of $6,000
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 36.37% and guidelines allow the DTI to be 43%

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrower paid off $16,395.00 in consumer debt reducing the monthly debt service by $563.00 and received $7,647.01 cash in hand at closing.  $563.00 monthly debt savings - $358.57 P&I on HELOC = $204.43 net savings.
5000019848
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000019856
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 16 years at current job.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.34% DTI below guideline requirement of 45%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 645 exceeds guidelines.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  6.44% LTV,51.20% CLTV is below guideline requirement of 80%.
5000019857
XXXXXX
XXXXXX
(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
- xxxxx Comments:  7 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 628 exceeds the minimum score of 600.
5000019858
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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 at Closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 7 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$35,035.85
5000019858
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 7 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 20 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$35,035.85
5000019875
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI106
Debt Ratio Exception >5% and <10%
No
Debt Ratio Exception <10% as debts that were required to be paid off per approval and 1003 were not collected on the HUD.  Borrower received the amount cash in hand.  no exception in file
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000019875
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
Debt Ratio Exception <10% as debts that were required to be paid off per approval and 1003 were not collected on the HUD.  Borrower received the amount cash in hand
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000019875
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Terms/Guidelines
Active
C
C
C
C
CRDTER3122
Loan documents do not meet guideline requirements
Yes
Debt Ratio Exception <10% as debts that were required to be paid off per approval and 1003 were not collected on the HUD.  Borrower received the amount cash in hand
12.2.2022 Client provided LOX stating: This is a GA closing under our old pilot program where the members received all cash to payoff creditors at closing. borrower signed the ''Disbursement of Loan Proceeds ''letter acknowledging that they would be paying this account off with the funds received. This is page 23 of the closing package. Response, initial condition remains for evidence these debts were paid in full
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job for 10 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000019876
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
B
B
C
C
A
A
C
C
B
B
C
C
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH193
Length of mortgage/rental history in file does not meet guideline requirement
No
Borrower only has 8 months VOM.  12 months required
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 30 years at current job.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  7.89%/58.48% LTV/CLTV
5000019876
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
B
B
C
C
A
A
C
C
B
B
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated valuation of $338,000 does not support lender AVM of $474,169. -28.72% variance. 11/28/2022 BPO received which did not support the OAVM with a -44.11% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 30 years at current job.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  7.89%/58.48% LTV/CLTV
5000019878
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Missing VVOE for Borrower 1 dated within 10 days closing. Note date XXX with an application date of 7/25/22.
12.7.2022 Client provided VVOE for B1 dated 9.7.2022 within 10 days of Note date
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 11 years and 3 months at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 17 years and 5 months at current residence
5000019884
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  11.17 years at job

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  641 qualifying score
5000019887
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 642 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  19 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  17 years at current residence.
5000019889
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
B
A
B
A
CRDCRMH193
Length of mortgage/rental history in file does not meet guideline requirement
No
Missing 12 months most recent mortgage payment history.  Credit supplement provided in file reflects mortgage with XXX transferred to another lender with last activity date of 6/2022.  Mortgage Statement provided in file reflect next payment due 7/1/2022.  Note Date XXX
12.13.2022 Client provided post close credit supplement with XXX Bank last reporting June 2022 and transferred to XXX with last payment received 11.3.2022 next payment due 12.2022 with Note date XX and states no lates in the life of the loan.
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 24 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 16.82%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Per VVOE, borrower has been employed with current employer for 13 years and 4 months with a start date of 4/20/2009.
5000019902
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
The FMV Affidavit is not signed by the Lender at Closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X39
5000019902
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X39
5000019905
XXXXXX
XXXXXX
(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
- xxxxx Comments:  50.37%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  729 qualifying score

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  13.92 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  15.25 years at residence
5000019909
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 707 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6 years at current residence.
5000019909
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.1080% a difference of 0.1420%, which exceeds the tolerance of 0.125%. %, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 707 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6 years at current residence.
5000019911
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  B2 has been with her employer for more than 17 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 703 exceeds the guideline requirement of 600.
5000019914
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on the same job for the past 19 years and 7 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 21 years and 9 months
5000019919
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 651, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 12.06%, maximum LTV guideline is 80%.
5000019919
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 651, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 12.06%, maximum LTV guideline is 80%.
5000019920
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower credit score of 752 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 17.08 years at current job.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  29.75% DTI below guideline requirement of 45%.
5000019929
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
(No Data)
5000019929
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
(No Data)
5000019930
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI106
Debt Ratio Exception >5% and <10%
No
Max 43%Qualifying DTI 48.14%Difference to differing debt calcs
12/9 Client asked for clarification; Upon review the following debts are not included in the Lenders calculation provide evidence used to exclude the following debts; XXX pmt $119.00, XXX Collect $7.65, XXX Bank $8.00, XXX  $6.00 12.13.2022 Client provided LOX stating: Collections are not required to be paid and our guides left ambiguity regarding what payment amount to use. This has since been updated to reflect that if they are not being paid off we should not use a payment amount. Those updates were provided on other similar findings and if those are not acceptable I can acknowledge the finding. Response, Agree per guidelines date June 29, 2022 and subject application is after this date, however the difference in debt is now this XXX Payment data of $119 a month w/balance of $479 in which the credit report is not showing this as a collection nor a charge off, will need to verify this is a collection or a charge off medical debt to omit.  DTI difference is this $119 a month medical debt. Condition remains
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  21.08 years at residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  701 qualifying score
5000019931
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Monthly debt reduced by $1,163.44.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 664 exceeds guideline minimum of 600.
5000019935
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 741 exceeds minimum credit score guideline of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower's have significant time in current residence with 9.6 years.
5000019940
XXXXXX
XXXXXX
(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
- xxxxx Comments:  69.50%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  13.75 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  17 years at residence
5000019942
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated valuation has a -12.653% variance from the AVM. 11/28/2022 AVM received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 13.42 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 17.08 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 65% below guideline requirements of 80%
5000019951
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Legal Documents
Satisfied
D
A
D
A
CRDLGL4033
Missing Legal Document(s)
No
Missing Loan Modification Agreement.  Credit report provided in file reflects 1st mortgage was modified.
12/9 Client provided modification agreement
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property since 6/21/2001.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 18.65%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 636.
5000019953
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
Property Valuations
FEMA
Active
B
B
B
B
PRVAFEMA229
Natural Disaster Area, Subseq inspect prior to Disaster (Public)
No
Natural Disaster Area, no subsequent inspection since XXX 9/29/2022. Please provide.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  30.10% DTI is below max 43%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  641 fico exceeds 600

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  54.57% CLTV is below max 80%
5000019957
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Property value of $212,806.00 is not supported by AVM value of $170,000.00 with a variance % of -20.12% and a variance amount of -$42,806.00. 11/28/2022
XXX AVM received value supported.
exception satisfied.
Not Applicable
Not Applicable
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Positive mortgage payment history for the past 48 months or more.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 13.89% is below the maximum guideline of 43%.
5000019961
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Calc DTI- 32.08%; Program max- 43.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 647; Program min- 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 22+ months
5000019966
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12/8 Client provided disaster inspection dated 12/8/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 682, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 24.62%, maximum LTV guideline is 80%.
5000019976
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
The original AVM value is not supported by updated AVM with a -10.09% variance. 12.5.2022 BPO received value not supported.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 28 years at current residence
5000019977
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at the same job for the past 20 years and 11 months

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been on the same job for the past 11 years and 1 month

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have resided  at the same residence  for the past 4  years and 5 months
5000019979
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI106
Debt Ratio Exception >5% and <10%
No
Review DTI 54.54%, lender approved at 27.94% excluding consumer debt borrower promised to pay off with in 30 days after closing. (Loan disbursement proceeds form on page 77 in closing package). Review included payments due to no evidence debts have been paid.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  711 Credit score exceeds guidelines of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  68.66% CLTV below guideline requirements of 85%
5000019979
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
Review DTI 54.54%, lender approved at 27.94% excluding consumer debt borrower promised to pay off with in 30 days after closing. (Loan disbursement proceeds form on page 77 in closing package). Review included payments due to no evidence debts have been paid. Max allowed is 45% with 640 score.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  711 Credit score exceeds guidelines of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  68.66% CLTV below guideline requirements of 85%
5000019981
XXXXXX
XXXXXX
(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
- xxxxx Comments:  665 Credit score exceeds guidelines of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of $365.94.
5000019987
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 16 years 10 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 721.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 56.84%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 43 years 11 months at current job.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 38.42%.
5000019992
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of of 39.54 % below guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 11 years at current residence.
5000019996
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with his current employer for more than 5 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in the subject property for more than 11 years.
5000019998
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
AVM is the subsequent property inspection(11/11/2022) completed after FEMA Disaster Declaration #4673 date of effective 9/29/22, XXX. However, does not state if property have any damage. Please provide post disaster property inspection. FEMA Declaration Date 9/29/2022 for Hurricane Ian.
12/13 Client provided disaster inspection dated 12/9/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 703 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 4.81%/69.80% below guideline requirements

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (32 years) at current job
5000019999
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 718 exceeds the minimum score.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 25 years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 25 years and 9 months at current residence
5000019999
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
12/05/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 718 exceeds the minimum score.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 25 years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 25 years and 9 months at current residence
5000020003
XXXXXX
XXXXXX
(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 to support the property taxes for the 4 parcels of land referenced in the borrowers explanation and 1003.
12/8 Client provided tax bills for 4 parcels of land in XXX owned by XXX, a SOS search shows Bwr is an XXX of the LLC. Tax bills support qualifying amount of $123.00 per month
Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 6.25 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 27.53%.
5000020003
XXXXXX
XXXXXX
(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
C
A
C
A
CRDINC2488
Verbal verification of employment missing
No
Missing VVOE within 10 business days from the Note Date.  Application date 7/28/2022; Note Date XXX
12/8 Client provided a VVOE dated 12/7 showing Borrower is actively employed
Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 6.25 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 27.53%.
5000020007
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Consumer credit history exceeds guidelines with no late payments reported per Credit Report.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 704 exceeds guidelines with a minimum score of 600.
5000020012
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history is 0x30x35
5000020013
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has lived at current residence for the past: 9 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 29 years
5000020027
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 674 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 27.23% below guideline requirement
5000020031
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Mortgage payment history of 21 months exceeds guidelines of 12 months

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 658 exceeds guidelines of 600
5000020033
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 10+ years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has lived 21+ years at current job

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 48 months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 32.61%; Program max- 43%
5000020040
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Minimum credit score 600 current Representative Credit Score 645

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 4.86
5000020043
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 21 years and 1 month on current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 6 years and 3 months at current residence
5000020044
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Provide a post disaster inspection for FEMA- 9/29/2022- 12/31/2099 Public & Individual XXX 4673
12/2 Client provided a PDI dated 11/30/2022 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  15  years main job and 6 years second job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 6 years.
5000020047
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 650 exceeds minimum required 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,306 - HELOC payment $906.13 = $399.87 monthly savings.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Borrower has consumer credit history with 19 open accounts and numerous closed and the longest tradeline at 111 months which exceeds the requirement of minimum 3 tradelines with one seasoned as least 3 years.
5000020059
XXXXXX
XXXXXX
(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 2021 and 2020 w2's verifying previous 12 months of employment history for borrower. Borrower provided LOE stating only worked for 5 months in 2021.
12/8 Client provided previous VOE's since 2018
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have resided at the same residence for the past 8 years and 3 months

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrowers have positive mortgage payment history. 0x30 for 25 months reviewed
5000020063
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
XXX AVM value not supported, exceed 10% threshold. BPO recommended. 12.5.2022 BPO received value not supported with a -33.28% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 66.94%; Program max- 80%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has lived 28+ years at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 705; Program min- 640
5000020070
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000020074
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Legal Documents
Satisfied
D
A
D
A
CRDLGL988
Loan File is Missing or Contains Insufficient Documentation for Basic Review
No
Missing credit report for co-borrower Tony Moore.
11/18 client provided the credit report for Both Borrowers
Condition satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of $1,354.92.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  669 Credit score exceeds guidelines of 600.
5000020079
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 16.46% is below the maximum DTI.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 683 exceeds the minimum score.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment with Title Guaranty 22.08 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at home for the past 10.17 + years.
5000020082
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Fico score 670 exceeds guide lines.

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has been in the same profession for 8 years.
5000020084
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Terms/Guidelines
Active
C
C
C
C
CRDTER3122
Loan documents do not meet guideline requirements
Yes
Does not meet required $200 monthly savings, as some debts were not paid on / via the Hud-1 settlement statement (only shown on Disbursement of Loan Proceeds document)
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  722 qualifying score

CFCFS1736: Significant time at current residence
- xxxxx Comments:  11.58 years at residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5.58 years at job
5000020086
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 13 years and 6 months at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  753 credit score is 83 points above the minimum required per guideline

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 14.85%.
5000020090
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 754 exceeds the minimum score.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  32 months Mortgage history reporting no late payments

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 39.58% is below the maximum DTI.
5000020092
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned and resided in subject residence for 24 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job for 26 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000020106
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/28/22 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on the same job for the past 12 years and 1 month

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 15 years and 1 month
5000020106
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on the same job for the past 12 years and 1 month

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 15 years and 1 month
5000020119
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000020120
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 666 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 23.40% is below guideline maximum of 43%.
5000020124
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 22 years and 8 months at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 5 years and 5 months at current job

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99
5000020124
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.125). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 22 years and 8 months at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 5 years and 5 months at current job

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrower Mortgage payment 0X30X99
5000020133
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
B
A
A
A
A
D
B
D
B
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI105
Debt Ratio Exception 5% or Less
No
Recalculated employment income for B2 resulted in back-end DTI ratio of 43.34% which exceeds the maximum allowable DTI of 43% without Credit Score Rating of Approved.  Lender used income of $1,306.94/month to qualify.  However, final loan application indicates co-borrower has been with current employer for approximately 2 months and was retired prior to that.  Client guidelines require a 2 year work history in most cases to be eligible.  Less than 2 years employment history may be eligible in some circumstances.  Refer to guidelines.  Also, all documentation for this income is missing from the file.  As a result, this income was omitted from the recalculations.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 51.25 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 30% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 50 points above guideline minimum of 600.
5000020133
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
D
B
A
A
A
A
D
B
D
B
A
A
A
A
Credit
Income/Employment
Active
D
B
D
B
CRDINC2408
Income verification does not meet guidelines
No
File is missing most recent YTD paystub and prior years W2 for the co-borrower.
12/13 Client provided 2 previous VOE, still missing income docs12/14 Client provided a YTD PS supporting qualifying income for B2; Condition remains; GLs require a 1 year work history for W2 Borrowers
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 51.25 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 30% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 50 points above guideline minimum of 600.
5000020135
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower Representative Score:642

CFCFS2860: Good credit history
- xxxxx Comments:  Credit line usage ratio: 0%
5000020143
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
The new AVM does not support the original AVM value. 11/28/2022 BPO received which did not support the OAVM with a -30.00% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 47 years on current job
5000020148
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  8 years and 2 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  22 years and 7 months at current residence
5000020154
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrowerr has excellent mortgage payment history with 0 x 30 since 11/2015

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at subject property for the past 6.75 years
5000020168
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC2488
Verbal verification of employment missing
Yes
Loan closed over 30 days from application date provide a VOE for each Borrower
12.12.2022 Client provided post close dated 12.12.2022 VVOE for B2 (XXX) and for B1 (XXX) dated 12.8.2022 with Note date XXX; however initial condition remains for VVOE dated within 10 days of Note date for both borrowers.
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  719  score exceeds 600 Min

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  24.6 DTI below Max of 45%
5000020169
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 639.
5000020174
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 642, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 4.45%, maximum LTV guideline is 80%.
5000020179
XXXXXX
XXXXXX
(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
- xxxxx Comments:  28 years at current home

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years 3 months at current job
5000020181
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5 years and 7 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  7 years and 11 months at current residence
5000020183
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Disaster Declaration on 09/29/2022 due to XXX in the Area. Provide post-disaster property inspection report. May be subject to additional conditions upon review
12/13 Client provided disaster inspection dated 12/9/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has lived 7+ years at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 18+ years at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 49.98%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 684; Program min- 600

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months
5000020185
XXXXXX
XXXXXX
(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
- xxxxx Comments:  15 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 662 exceeds the minimum score of 600.
5000020186
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 11 years and 7 months at current residence

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $2,997.27.
5000020193
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
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 is not signed by lender
11/28/22 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 617, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 17.49%, maximum LTV guideline is 80%.
5000020193
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FD/APR Review 0.1360  Tolerance 0.125% Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 617, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 17.49%, maximum LTV guideline is 80%.
5000020193
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Credit
Income/Employment
Active
C
C
C
C
CRDINC888
Income Amount is  Unsupported by Documentation in File
Yes
Missing of proof of 3 year continuous SSI for children  or proof of children ages.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 617, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 17.49%, maximum LTV guideline is 80%.
5000020199
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Disaster Declaration on 09/29/2022 due to Hurricane Ian in the Area. Provide post-disaster property inspection report. May be subject to additional conditions upon review
12/13 Client provided disaster inspection dated 12/9/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 64.49%; Program max- 80.00%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  030 for 17 months

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 735; Program min- 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 32.40; Program max- 43%
5000020202
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 798.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6.25 years at current residence.
5000020203
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 639 exceeds minimum required 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 14 years on current job.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,776 - HELOC payment $666.79 = $1,109.21  monthly savings.
5000020203
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 639 exceeds minimum required 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 14 years on current job.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $1,776 - HELOC payment $666.79 = $1,109.21  monthly savings.
5000020206
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has good mortgage history of 0 x 30 for the past 12 months

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment as an XXX with XXX for the past 10 + years
5000020214
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing date.
12/13/2022 Client provided a copy of fully executed FMV Affidavit. Condition satisfied
12/13/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 27.17% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 56.11% below guideline requirements
5000020214
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 27.17% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 56.11% below guideline requirements
5000020221
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Representative Credit Score 727
5000020228
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$27,236.31

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 16 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with employer in the past: 13 years
5000020228
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC Exceeds APR Tolerance >0.125
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$27,236.31

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 16 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with employer in the past: 13 years
5000020230
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Property Value Not Supported. Updated AVM value of $280,000 is $-42,297 or -13.12% lower than original AVM value of $322,297. 11/28/2022 BPO received which did not support the OAVM with a -11.57% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on same job  for the past 2 years and  6 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 3 years and 8 months
5000020233
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS2854: Significant time in profession
- xxxxx Comments:  5 years and 6 months in current profession.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  678 qualifying score. Min required per guidelines is 670.
5000020233
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR review 0.136 exceeds allowed tolerance 0.125
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS2854: Significant time in profession
- xxxxx Comments:  5 years and 6 months in current profession.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  678 qualifying score. Min required per guidelines is 670.
5000020233
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Credit
Income/Employment
Satisfied
C
A
C
A
CRDINC2488
Verbal verification of employment missing
No
Provide VOE dated within 10 business days prior to Note.  Loan closed over 30 days from application.
12/9 Client provided a VVOE dated 12/7/22 showing Borrowers currently and actively employed
Condition satisfied
(No Data)
Not Applicable
CFCFS2854: Significant time in profession
- xxxxx Comments:  5 years and 6 months in current profession.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  678 qualifying score. Min required per guidelines is 670.
5000020238
XXXXXX
XXXXXX
(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
CRDINSR865
Missing proof of flood insurance in File
No
Flood cert shows subject property is located in flood zone A7.  File is missing verification of flood insurance.
12.5.2022 Client provided flood insurance policy from 6.22.2022 - 6.22.2023 with monthly $67.38 Note:  2nd MTGEE XXX is missing from Flood insurance policy
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 5% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 100 points above guideline minimum of 600.
5000020246
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by the lender at Closing.
(No Data)
Condition Satisfied. The file contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have occupied the subject property for more than 16 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Both borrowers have been with the same employer for more than 18 years.
5000020246
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.138). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have occupied the subject property for more than 16 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Both borrowers have been with the same employer for more than 18 years.
5000020247
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Mortgage payment history reviewed for 99 months with 0x30.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property since 6/3/2013.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed at current for 13.58 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%. Loan closed with DTI of 32.90%.
5000020248
XXXXXX
XXXXXX
(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
- xxxxx Comments:  39.45% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  15.86%/75.23% LTV/CLTV
5000020260
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH123
No evidence of required debt payoff
No
Missing evidence of required (8) debts are paid off (per 1003 with * totaling $49,842) not included in DTI and not on HUD-1
12.2.2022 Client provided LOX stating: This is a GA closing under our old pilot program where the members received all cash to payoff creditors at closing. borrower signed the ''Disbursement of Loan Proceeds'' letter acknowledging that they would be paying this account off with the funds received. Response, Initial condition remains for evidence debts were paid in full
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 679 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 15.73%/56.22% below guideline requirements
5000020260
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
DTI of 78.29% is greater than the 43% DTI allowed.  Missing evidence of account payoffs to be made per the Disbursement of Loan Proceeds; therefore, the monthly payments for these accounts are included in the DTI of 78.29%.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 679 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 15.73%/56.22% below guideline requirements
5000020260
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Client AVM value $372,560 and updated AVM value $298,000. A -20.01% variance. 11/28/2022 BPO received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 679 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 15.73%/56.22% below guideline requirements
5000020261
XXXXXX
XXXXXX
(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
- xxxxx Comments:  679 FICO exceeds the guideline minimum requirement of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with his current employer since 07.06.2015
5000020262
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of $817.72.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  649 Credit score exceeds guidelines of 600.
5000020266
XXXXXX
XXXXXX
(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
- xxxxx Comments:  717 qualifying score

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  30.55%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  20.25 years at residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  14.92 years at job
5000020268
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 679 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 5 years.
5000020270
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12.13.2022 Client provided 3rd party exterior inspection dated 12.8.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 26.62%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 52.42%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 6 years 2 months at current job.
5000020271
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qual score- 632; Program min- 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 26+ months

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 35 months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 32.91%; Program max- 43%
5000020272
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Title
Satisfied
C
A
C
A
CRDTIL875
Title Does Not Agree With Mortgage
No
Title policy provided in the file shows incorrect amount of insurance of $42,791.  Actual loan amount is $43,500.  A corrected title policy will be required.
11.22.2022 Client provided endorsement for Final title dated 8.24.2022 with correct amount of $43,150
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 6.83 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 10% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 100 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 15% points below guideline maximum of 43%.
5000020277
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 10 years on job.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Loan saves Borrower over $1000 per month.
5000020280
XXXXXX
XXXXXX
(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
- xxxxx Comments:  6 years at current residence

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  12.67% LTV is below guideline maximum of 80%
5000020289
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Natural Disaster Area, no subsequent inspection (Individual & Public). FEMA Declaration #4673 dated 09.29.2022, effective date of 12.31.2099 (?) for XXX
12/2 Client provided a PDI dated 11/29/2022 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score exceeds guidelines at 677 with a minimum score of 600.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history exceeds guidelines with no late payments in the past 36 months or more.
5000020301
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 668 exceeds the minimum score 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5 years at current job.
5000020306
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned and resided in subject residence for 12 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 30.05%
5000020309
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower credit score of 814 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.87% DTI below guidelines of 45%.
5000020311
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 716 is above guideline minimum of 600.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has been 0X30 over 33 month life of loan
5000020312
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000020315
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM value of $303,000 is -15.23% below the original AVM value used to qualify which exceeds the 10% tolerance.11/28/2022 BPO received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for 6 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 5% below guideline maximum of 80%.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 5% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $703.10.
5000020318
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Insurance
Satisfied
C
A
C
A
CRDINSR289
Insufficient Hazard Insurance Coverage
No
Dwelling coverage of $279,980 is insufficient to cover the total 1st and 2nd lien balances of $402,233.24.  Estimated replacement cost from the insurance provider is missing from the file.
12/8 Client provided an Email; upon review the Declarations page provided in the file does indicate 150% of Dwelling A coverage replacement cost;  which is sufficient coverage
Canceled;
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 10% below guideline maximum of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $603.38.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 15% below guideline maximum of 43%.
5000020323
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Missing homeowner policy with effective date 8/23/22. Homeowners Insurance policy in file shows effective date of 8/24/22 which is after the disbursement date of XXX.
12/9 Client provided evidence of previous insurance
satisfied
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 680, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 13.50%, maximum LTV guideline is 80%.
5000020324
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has resided at the same residence for the past 7 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at the same job for the past 15 years and 4 months
5000020336
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower credit score of 704 exceeds min score requirement of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $1142 monthly savings.
5000020337
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM came in at $233,164 and Updated AVM value is 180,000.00, exceeding the maximum variance. 11/28/2022 BPO received which did not support the OAVM with a -29.23% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  18 years at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  12 years and 4 months at current residence
5000020341
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qual score- 713; Program min- 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 22+ months

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months
5000020351
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Original AVM value of $218,196 is not supported by updated AVM value of $172,000. Variance of -21%. 11/28/2022 BPO received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 665 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  10 years at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  11 years at current job.
5000020357
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 27.20% below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 12.67 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV at 69% below guideline requirements of 80%
5000020361
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $964 - HELOC payment $612.63 = $351.37 monthly savings.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 683 exceeds minimum required 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 76.48% is below the maximum allowable of 80%.
5000020365
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 702 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 35.74% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 13.99%/46.44% below guideline requirements
5000020393
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Bwr has lived in the subject property for more than 14 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's qualifying FICO of 653 exceeds the guideline requirement of 600.
5000020400
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned the subject property for 37.5 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 24.51%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines, maximum LTV/CLTV is 80%.  Loan closed with LTV of 12% and CLTV of 50.64%.
5000020404
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
No subsequent property inspection completed after FEMA Disaster Declaration #4673 date of 9/29/2022, XXX
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 603 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence 2.17 years
5000020412
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Natural Disaster Area, FEMA Declaration #4673 dated 09/29/2022 effective 12.31.99 for XXX.  Provide subsequent inspection (XXX).
12/2 Client provided a PDI dated 11/30/2022 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 681 exceeds the minimum score

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job with 5.7 years.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Positive mortgage payment history with no late payments in the past 36 months or more.
5000020418
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Median FICO > 150 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 10% below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,139.96.
5000020423
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
No inspection since the FEMA Disaster 12/31/2099- XXX-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12/8 Client provided a disaster inspection dated 12/7/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has worked for current employer for over 7 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $852 monthly savings.
5000020426
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  16 years and 6 months at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  25.55% LTV is below guideline maximum of 80%
5000020432
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 641 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  34 years at current job.
5000020434
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers have owned the subject property for 7.08 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 30% below guideline maximum of 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $701.02.
5000020444
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 28.56% is below guideline maximum of 43%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 737 exceeds guideline minimum of 600.
5000020447
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 815 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 35.50% is below guideline maximum of 43%.
5000020452
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Missing VVOE Note date XXX and Application date 8.10.2022 = 33 days
12/8 Client provided a work# VVOE dated 12/7/22 showing Borrower is current and actively employed since 3/20/17
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 689 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 35% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 32.77%/54.61% below guideline requirements
5000020453
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
Property Valuations
Value
Satisfied
A
A
B
B
PRVAVALU5249
Property Value Not Supported
No
AVM value of $217,000.00 does not support the original AVM value of $250,322.00. Tolerance variance is -13.31% and variance amount is $33,322.00.
11/7/2022 client provided an updated AVM which supported the OAVM
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have significant time at current residence with 28.5 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 671 exceeds guidelines with minimum credit score of 600.
5000020456
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Third party updated valuation $294,000 from Collateral Analytics (11/11/22) does not support AVM property value $429,428 (used). Variance is -31.54% exceeds threshold of 10%. 11/28/2022 BPO received which did not support the OAVM with a -55.76% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 34.94% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 656 exceeds guidelines
5000020459
XXXXXX
XXXXXX
(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
- xxxxx Comments:  5 years at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 705 exceeds the minimum score of 600.
5000020461
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Current and prior mortgage paid as agreed 0 x 30.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 15 years.
5000020462
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 701.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have 6 years 7 months at current residence.
5000020463
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
The FMV Affidavit was not signed by the Lender at Closing.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 5 years and 6 months.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer for 5 years.
5000020463
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Difference of -0.142% exceeds the max tolerance of 0.125.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 5 years and 6 months.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer for 5 years.
5000020472
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 15+ years at current job

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 702; Program min- 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 27+ months

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 38.24%; Program max- 43%
5000020484
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 722.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 30.41%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 68.16%.
5000020486
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 699 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  16 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence.
5000020488
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 746.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 47.75 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines LTV/CLTV guidelines is 80%.  Loan closed with LTV of 7.22% and CLTV of 29.87%.
5000020492
XXXXXX
XXXXXX
(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
- xxxxx Comments:  8 years 5 months at current home

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  9 years 3 months at current job
5000020493
XXXXXX
XXXXXX
(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
- xxxxx Comments:  36.68% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  8.93% LTV ,60.18% CLTV below guidelines of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 19.9 years at current job.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 673 exceeds guidelines.
5000020502
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
No subsequent inspection done after FEMA disaster of 9/29/2022 XXX. Provide post-disaster inspection.
12/13 Client provided disaster inspection, no damage, dated 12/8/22
satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 27 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 6 years.
5000020503
XXXXXX
XXXXXX
(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
- xxxxx Comments:  CLTV of 75.43%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  755 credit score is 85 points above the minimum required per guideline
5000020505
XXXXXX
XXXXXX
(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
- xxxxx Comments:  0x30 for 60+ months

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 48+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 34.99%; Program max- 43%
5000020506
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower is on job for 10 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Loan saves Borrower $1099/month.
5000020506
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR calculation difference of 0.1360 exceeds APR Tolerance >0.125.  APR out of tolerance. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower is on job for 10 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Loan saves Borrower $1099/month.
5000020511
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers have lived 14+ years at current residence

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  B2 has worked 8+ years at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 69.75%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 656; Program min- 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.15%; Program max- 43%
5000020516
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has lived at current residence for the past: 13 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 18 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with employer in the past: 10 years
5000020532
XXXXXX
XXXXXX
(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
- xxxxx Comments:  0x30 for 60+ months

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 36+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 38.16%; Program max- 43%
5000020534
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 660 exceeds guideline minimum of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Per title borrower has owned home since 1/11/1991.
5000020540
XXXXXX
XXXXXX
(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
- xxxxx Comments:  24 + years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  7 + years at residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  697 qualifying score
5000020545
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 751 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 5 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 28.40% is below guideline requirement.
5000020552
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
 Original AVM value of $476,924 is not supported by updated AVM value of $415,000. Variance of -12.98%. 11/28/2022 BPO received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 690 exceeds the minimum score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  10 years at current residence.
5000020553
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower credit score of 677 exceeds guidelines of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  6.94% LTV and 54.43% CLTV below guideline requirement of 80%.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  29.26% DTI below guideline requirement of 43%.
5000020555
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 10+ years at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 45.35%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 712; Program min- 670

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 21.40%; Program max- 43%
5000020557
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
FEMA Disaster Effective date of 09.29.2022 / 12.31.2099; XXX ; Declaration 4673
11.28.2022 Client provided 3rd party exterior inspection with no damage dated 11.23.2022 along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower 1 has stable employment for the past 29 + years as an XXX.

CFCFS1749: Additional documented income not used in qualifying
- xxxxx Comments:  Additional Income for borrower 2 of $11,980.82 was not used to qualify.
5000020561
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for more than 22 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 653 exceeds the guideline minimum score
5000020563
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender at Closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  7.58 years at residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  636 FICO exceeds the guideline minimum requirement of 600.
5000020563
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  7.58 years at residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  636 FICO exceeds the guideline minimum requirement of 600.
5000020569
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH193
Length of mortgage/rental history in file does not meet guideline requirement
No
Credit report provided in file does not reflect current mortgage.  Mortgage Statement provided in file reflects a past due amount of $2,694.27 with a last paid date of 6/30/2022 with a late payment assessed on 7/16/2022, missing documentation loan was paid current and does not reflect 30 day late payment. Note date XXX
12.13.2022 Client provided subject mtg history current tradeline where mtg was transferred and this reflects  0 x 30 for months of March - July 2022 and file have the prior transferred MTG history of 6 months (pg 4 of credit report) and credit report reflects prior mtg satisfactory history, still missing evidence of August 2022 payment; subject Note date is XXXDate of last activity with mortgage on credit report is July 2022; provide evidence of August 2022 payment satisfactory
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 37.30%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with credit score of 661.
5000020570
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Provide a re-inspection report dated after the most recent FEMA Disaster Declaration of 9/29/22
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  The borrowers have occupied the subject property for 13 years 6 months.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The CLTV is 54.58% and guidelines allow the CLTV to be 80%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrowers paid off $37,091.00 in consumer debt reducing the monthly debt service by $1,031.10 and paid off a HUD 2nd lien in the amount of $15,923.81 = $53,014.81 and received $597.26 cash in hand at closing for total cash out of $53,612.07.  $1,031.10 monthly payment savings - $663.53 new HELOC payment = $367.57 net savings monthly.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 32.30% and guidelines allow the DTI to be 43%
5000020582
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Loan closed more than 30 days after origination. VVOE is required but none is in file. Please provide missing document
12.9.2022 Client provided VVOE dated 12.8.2022 with Note date XXX not within 10 days of Note date; condition remains VVOE provided is post close, not within 10 days of Note date 12/13 Client requested a review; VOE dated 12/8/22 shows Borrower was active at time of close and is currently still actively employed
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 70.40%; Program max- 80.00%

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 29.51%; Program max- 43%
5000020588
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Legal Documents
Satisfied
D
A
D
A
CRDLGL4033
Missing Legal Document(s)
No
Missing documentation to support previous foreclosure as reflected on the final 1003 declarations question e.
11/23 Client provided an Email; upon review of the XXX report FC activity is from 2014 and outside lookback period
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 18.83 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI s 43%.  Loan closed with DTI of 38.35%.
5000020600
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM doesn't support original AVM value with -10.54% ($21,668). 12.7.2022 BPO received value not supported with a -14.91% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Fico 652 score exceeds guide lines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 37.15 is below lender's guide line maximum.
5000020606
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Terms/Guidelines
Satisfied
D
A
D
A
CRDTER146
Missing lender's loan approval/underwriting form
No
Missing lender's final loan approval with loan amount of $59,150.
11.21.2022 Client provided final loan approval for loan file
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  682 Credit score exceeds guidelines of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction $1,752.83.
5000020607
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 7 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 5 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$24,795.64
5000020607
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 7 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 5 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$24,795.64
5000020610
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Insurance
Satisfied
C
A
C
A
CRDINSR289
Insufficient Hazard Insurance Coverage
No
Insufficient Hazard Insurance coverage. Primary loan balance is $XXX and Hazard Insurance coverage is for $206,000.00.
(No Data)
satisfied; when including "other dwelling" coverage, sufficient coverage exists
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 760 exceeds guidelines with a minimum credit score of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has significant time in current residence with 31.6 years.
5000020612
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned the subject property for 14 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage reviewed for 99 months with 0 x 30.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 36.95%
5000020622
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Per AVM from Collateral Analytics, Variance is -11.83%.
11/7/2022 client provided an update AVM which supported the OAVM
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Mortgage history is 0x30.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Loan saves Borrower $510/month and provides $5670 in cash out.
5000020626
XXXXXX
XXXXXX
(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
- xxxxx Comments:  38.10% LTV is below guideline maximum of 80%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  24 years 7 months at current residence
5000020645
XXXXXX
XXXXXX
(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
- xxxxx Comments:  B1 has lived 9+ years at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 706; Program min- 670

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.39%; Program max- 80%
5000020649
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
DTI
Active
C
C
C
C
CRDDTI187
Debt Ratio > 50%
Yes
Lender used pension income of $5,730 per month from unsigned spouse and is not eligible source of income since spouse did not sign the note.  DTI 188.33%.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 23.92 months
5000020649
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC888
Income Amount is  Unsupported by Documentation in File
Yes
Lender used pension income from unsigned spouse and is not eligible source of income since spouse did not sign the note.  DTI 188.33%.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 23.92 months
5000020650
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM does not support original AVM value with a -11.42%.
11/7/2022 client provided an updated AVM which supported the OAVM
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 728 exceeds guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 16.58 years
5000020652
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 51.59%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 697; Program min- 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 35.79%; Program max- 43%
5000020659
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 36.44% below guidelines.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 723 exceeds guidelines.
5000020663
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:686

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$53,439.36
5000020663
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Review 0.1360  exceed allowed Tolerance 0.125%
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower Representative Score:686

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$53,439.36
5000020666
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has lived at current residence for the past: 9 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 7 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$9,799.24
5000020669
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Total assets =55,059.87

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 17 years
5000020673
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 677 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 26.44% below guideline requirements
5000020675
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Fico score 659 exceeds guide lines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been living at current residence for 27 years.
5000020680
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 742.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%. Loan closed with DTI of 23.12%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines, maximum LTV/CLTV is 80%.  Loan closed with LTV of 12.21% and CLTV of 52.09%.
5000020684
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 on closing date.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 18.08 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 25.15% below guideline requirement of 43%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV at 26% below guideline requirements of 75%
5000020684
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 18.08 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 25.15% below guideline requirement of 43%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV at 26% below guideline requirements of 75%
5000020686
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  10 years and 8 months at current job.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  26.76% DTI is below guideline maximum of 43%
5000020689
XXXXXX
XXXXXX
(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
Provide completed Demographic Information Addendum (from 1003) for both Borrowers
11/21  Client provided HMDA addendums that were not completed; per review of Lenders LOS; information was not provided
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  24.94% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  568%/75.81% LTV/CLTV
5000020690
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 62.72%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 687 exceeds the minimum score of 600.
5000020696
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers' credit score 730 exceeds the minimum score of 600.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower does not have any major mortgage related occurrences during the past two years.
5000020697
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Current and prior mortgages paid as agreed 0 x 30.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 658.
5000020704
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA229
Natural Disaster Area, Subseq inspect prior to Disaster (Public)
No
FEMA Declaration Date 9/29/2022 for XXX.  Please provide post disaster property inspection.
12/2 Client provided a PDI dated 11/28/2022 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 10 points below guideline maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score is > 10 points above guideline maximum of 600
5000020708
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers have significant time at current residence with 9 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job with 5.3 years.
5000020714
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
No subsequent property inspection completed after FEMA Disaster Declaration #4673 date of 9/29/2022, XXX
12/13 Client provided disaster inspection dated 12/9/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrowers' credit score 623 exceeds the minimum score of 600.
5000020720
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 6 years at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 16 years at current job.
5000020721
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 644 exceeds guideline minimum of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on job 22 years.
5000020725
XXXXXX
XXXXXX
(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
B
A
B
A
CRDINC2496
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
No
The XXX search provided as the VVOE for the income does show the business exists but it does not show the ownership of the business.
12.5.2022 Client provided LOX stating Please see filing with CA SOS. Borrower's are not listed as owners of the business. Response, Agree they are not listed on SOS website that was provided however still missing evidence of how much ownership borrower have with current employment.  Condition remains 12.7.2022 Client provided post close LOX email from borrower stating they both own/have 5% interest with employer
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The CLTV is 50.36% and guidelines allow the CLTV to be 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  The lowest middle credit score is 682 and guidelines require the credit score to be 670

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 31.89% and guidelines allow the DTI to be 43%
5000020725
XXXXXX
XXXXXX
(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
No Fannie Mae 1084 form was found in the file and the borrowers indicated on the 1003 that they the XXX of XXX making the borrowers XXX not wage earners and no evidence of the verification of the borrowers' business from a CPA, Regulatory Agency, Licensing bureau or Secretary of State website was found in the file.
12.5.2022 Client provided LOX stating: Please see Secretary of State filing for the state of CA. None of the borrower's are listed as owners of the business and Based on filing with state of CA, borrower's are not owners so would not require FNMA cash flow analysis. Paystub/W2 would suffice.  Response, agree if borrowers are not owners than paystub/w2 would suffice however still missing evidence of how much ownership borrowers have with employment, agree they are not listed on the SOS however still missing evidence of how much ownership they have with employment, if less than 25% than paystub/w2 would suffice.  Condition remains 12.7.2022 Client provided post close LOX email from borrower stating they both own/have 5% interest with employer
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The CLTV is 50.36% and guidelines allow the CLTV to be 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  The lowest middle credit score is 682 and guidelines require the credit score to be 670

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 31.89% and guidelines allow the DTI to be 43%
5000020731
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
DTI of 50.64 exceeds guideline of 43%.
12/13 Client requested a review; upon review taxes and Insurance PITI calculation corrected as the first lien is escrowed; DTI is 43.26%
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment as a XXX with XXX for the past 11.67 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 40.76% < guideline max 43%
5000020732
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Credit/Mtg History
Active
C
C
C
C
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
Yes
Missing evidence co-borrower is no longer required to pay child support of $640 monthly. 1003 declarations reflects COB is required; however not included in DTI/ approval. A pymt stub was provided for March 2022, but no court order.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Borrower has 35 mos PITI HELOC reserves. Min requirement 1.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $2436 monthly savings.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV over 80%; however Residual Home Equity Amount $63046.96
5000020733
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 37.20% below guideline requirement of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 38 months exceeds guidelines of 12 months
5000020743
XXXXXX
XXXXXX
(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
- xxxxx Comments:  5.94% LTV is below guideline maximum of 80%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  8 years at current residence.
5000020749
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower mortgage payments have been 0 x 30 for the past 24 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at subject property for the past 12.17+ years
5000020754
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 23 years on job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The total LTV is 48%
5000020757
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 30.67% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 674 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 8.61%/37.67% below guideline requirements
5000020759
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Fico score 650 exceed guide lines.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV 67.14 is below lender's guide line maximum.
5000020763
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000020765
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job with 30.1 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 16.97% is below the maximum guideline requirement of 43%.
5000020769
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 689, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 21.67%, maximum LTV guideline is 80%.
5000020769
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 689, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 21.67%, maximum LTV guideline is 80%.
5000020776
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 14 years and 1 month.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer for 6 years and 1 month.
5000020780
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 24.25 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 713.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 7.75 years.
5000020781
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000020794
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 676 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  23 years at current job.
5000020804
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXX. Please provide post disaster property inspection.
12/13 Client provided a PDI dated 12/9/22 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 12 years and 6 months on current job

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $1,935.35.
5000020806
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  5.58 years at job

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  677
5000020822
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
No inspection since the FEMA Disaster 9/29/22- XXX-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property.
12/13 Client provided disaster inspection dated 12/7/22, no damage.
satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 33.92% below guideline requirement of 43%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV at 26% below guideline requirements of 80%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 30 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 30 years
5000020823
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 30.23%
5000020824
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  22 years and 8 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5 years at current residence
5000020838
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  The borrowers paid off $49,760.00 in consumer debt reducing the monthly debt service by $1,625.00 and received $9,532.06 cash in hand at closing for a total of $59,292.06 cash out.  $1,625.00 monthly debt reduction - $872.59 new HELOC PI = $752.41 net savings.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  The borrowers have occupied the subject property for 16 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  B2 has been with her employer for 6 years 5 months.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 29.90% and guidelines allow the DTI to be 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  The borrowers documented $131,191.97 in available retirement assets x 60% = $78,715.18 liquid retirement assets/$3,674.76 PITIA + HELOC payment = 21.42 months reserves.
5000020840
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower credit score of 767 exceeds guidelines of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  35.85% DTI below guideline requirement of 43%.
5000020853
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 11 years and 10 months.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for 5 years and 10 months.
5000020854
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  16 month mortgage payment history reporting on credit- no late payments

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B is employed with same company for 7 years
5000020856
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  51 month mortgage payment history reporting on credit- No late payments

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 27.13%  Max 43%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 12 years 6 months at current job.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 10 years at current job.
5000020858
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM does not support original AVM value with a -24.31% variance. BPO Recommended. 11/28/2022 BPO received which did not support the OAVM with a -41.74% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 719 exceeds guidelines of 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 47 months exceeds guidelines of 12 months
5000020859
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM does not support original AVM value with a variance of -30.40%.
11/7/2022 client provided an updated AVM which supported the OAVM
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 75%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 681; Program min- 600
5000020860
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  12.42 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  11.33 years at job
5000020872
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower Representative Score:716

CFCFS2860: Good credit history
- xxxxx Comments:  Credit line usage ratio: 0.22%
5000020877
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Missing inspection for FEMA disaster 9/29/2022 Public & Individual XXX #4673
11.28.2022 Client provided 3rd party exterior inspection dated 11.22.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 666 exceeds guideline minimum of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Per title borrowers have owned home since 8/15/2005.
5000020877
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
AVM does not support original AVM value with a -15.62%.
11/7/2022 client provided an updated AVM which supported the OAVM.
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 666 exceeds guideline minimum of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Per title borrowers have owned home since 8/15/2005.
5000020878
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value of $169,171 is not supported by updated AVM value of $140,000. Variance of -17%. BPO Recommended.11/28/2022 BPO received which did not support the OAVM with a -32.02% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 656 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  22 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6 years at current residence.
5000020879
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 602 exceeds the minimum score of 602.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  33 years at current residence.
5000020882
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 730, minimum allowed is 640.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 31.63%, maximum LTV guideline is 80%.
5000020887
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment as an XXX for XXX for the past 7 + years

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower has excellent mortgage history of 0 x 30 for the past 36 months
5000020891
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 654 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6 years at current residence.
5000020892
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Credit
Income/Employment
Active
D
D
D
D
CRDINC3204
Income Documentation Missing
Yes
Missing documentation supporting other monthly income listed on Final application in the amount of $1,865.00
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has been in the same profession for the past 15 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 9 years
5000020915
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 665 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 60.20% is below guideline maximum of 80%.
5000020918
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been on the same job for the past 3  years and 1 month

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have  resided at the same residence for the past 17 years and5 months
5000020923
XXXXXX
XXXXXX
(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
- xxxxx Comments:  32.32% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  14.09%/66.01% LTV/CLTV
5000020928
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
No inspection since the 9/29/2022 Fema Disaster-XXX
12/13 Client provided a 12/9 PDI showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 34.71% below guideline requirement of 43%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 11.33 years

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 36 months exceeds guidelines of 12 months
5000020932
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Disaster 12/31/2099- XXX-. Provide Post Disaster Inspection
12/8 Client provided a PDI dated 12/7/22 showing No damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for over 16 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 679 exceeds min score requirement of 600.
5000020933
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000020934
XXXXXX
XXXXXX
(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
Provide completed Declarations Amendment (1003) for Borrower
11/18 Client provided the HMDA addendum
Condition satisfied
(No Data)
Not Applicable
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has no lates on current or previous mortgage

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  653 credit score
5000020936
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
DTI
Satisfied
B
A
B
A
CRDDTI105
Debt Ratio Exception 5% or Less
No
Max DTI 43%Qualifying DTI 46.66%Lender approved up to 44.65%, however DD calc exceeds approval due to differing income calcs
12/13 Client provided an Email that Gross income from 2021 W2 was used to qualify; upon review the W2 is a photo and partially cut off; when enlarged the gross income is visible; income recalculated to match Lender calculation of $7606.00
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  702 qualifying score

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  58.73%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  12.42 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  22.58 years
5000020948
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12/13 Client provided disaster inspection, no damage, dated 12/12/22
satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower 1 has stable employment as a Sr Account manager with a major Company for the past 14 + years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned the subject property for the past 8+ years
5000020952
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 31 months of 0x30 on current mortgage

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  25.67% DTI
5000020954
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's credit score 696 exceeds the minimum score of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  14 years at current job.
5000020955
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 7.25 years.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Mortgage payment history reviewed for 29 months with 0 x 30.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 38.34%.
5000020960
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has lived at current residence for the past: 18 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$50,158.40
5000020964
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned and resided in subject residence for 10 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 34.29%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  credit score is 749
5000020965
XXXXXX
XXXXXX
(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 2021 W-2 for primary borrower as required by guidelines.
12.12.2022 Client provided post close dated Written VOE dated 12.9.2022 with Note date XXX for B1 with 2021 w2 info however income calculation used $80,615 for year 2021; condition remains, provide the documentation that was used prior to closing to support this $80,615 for 2021; Written VOE provided is post close. 12.13.2022 Client provided duplicate in file, income calculation worksheet however prior condition requested for the documentation that was used prior to closing to support the 2021 w2 income of $80,615 that was used on this income calculation worksheet, written voe provided is post close.  Condition remains for the documentation used to support the 2021 w2 income of $80,615   12.14.2022 Client provided LOX stating: Please refer to uploaded doc - XXX Doc, page 2, where you will see the 2021 annual income. This amount is actually higher than the original 2021 income which means the final verified income will be higher and would not affect loan decision. Response, Agree with previous review of the XXX Doc the w2 was showing actual higher amount than what was used, previously was requesting for the documentation that you used for the 2021 w2 info that you used for qualifying, condition being satisfied since lower w2 amount for 2021 was used versus the actual verified amount on XXX Doc
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 33 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer for 14 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 56.18%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 681.
5000020967
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at job for 7.67 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 686.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 32.87%.
5000020969
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
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 at closing date.
11/30 Client provided the affidavit signed
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 663 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 76.74% below guideline requirements
5000020969
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Credit
Income/Employment
Satisfied
C
A
C
A
CRDINC888
Income Amount is  Unsupported by Documentation in File
No
Provided Pay stub is password protected, unable to view the income information*Please either provide the password or a password free YTD pay stub.
11.29.2022 Client provided ytd paystub unlocked dated 8.18.2022 supporting monthly income of $5,335 however DD Firm DTI is 43.40%; difference appears to be the monthly HOI payment, Lender using $40.60 however the yearly premium is $4,678 for a monthly of $389.83 this is the amount DD Firm is using however Lender is using $40.60 which is a prorated premium for 4.24.2022 - 11.1.2022 but the full term premium is $4,678 for a monthly of $389.83 and (2). Mortgage Statement in file reflects overdue payment and credit report in file reflect date last activity July 2022 and MTG statement is dated after credit report, verify August 2022 payment was made, per MTG statement do not appear August payment have been made. 12/8 Client provided updated credit supplement last payment 11/22 next mortgage payment 12/22
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 663 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 76.74% below guideline requirements
5000020973
XXXXXX
XXXXXX
(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
- xxxxx Comments:  45.64% LTV

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  19.25 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  19.42 years at residence
5000020989
XXXXXX
XXXXXX
(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
- xxxxx Comments:  The borrowers have occupied the subject property for 8 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  The CLTV is 60.67% and guidelines allow the CLTV to be 80%

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  The DTI is 33.79% and guidelines allow the DTI to be 43%

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  B2 has been with her employer for 21 years
5000021014
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  12 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  22 years at current residence.
5000021016
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 8.33 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 706 exceeds guidelines of 600

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 34 months exceeds guidelines of 12 months
5000021019
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI105
Debt Ratio Exception 5% or Less
No
DTI of 44.10% exceeds guideline maximum of 43%.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 666 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 68.41% is below guideline maximum of 80%.
5000021023
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
C
A
A
A
D
A
D
A
C
A
A
A
Credit
Income/Employment
Satisfied
D
A
D
A
CRDINC2340
Employment verification does not meet guidelines
No
1003 Indicates Employer is XXX, but Paystubs and W2s indicate XXX; Provide a corrected 1003 or a satisfactory LOX for the different employer names
11.22.2022 Client provided website documentation verifying XXX one of same XXX
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  13.7 years at current job
5000021023
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
C
A
A
A
D
A
D
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
Provide a post disaster inspection for FEMA- 9/29/2022- 12/31/2099 Public & Individual XXX 4673
12.5.2022 Client provided exterior disaster inspection dated 11.25.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  13.7 years at current job
5000021025
XXXXXX
XXXXXX
(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
- xxxxx Comments:  73.34 LTV is below the guideline max allowed of 80.00.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  698 FICO exceeds the guideline minimum requirement of 600.
5000021041
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job with 9.4 years.

CFCFS2860: Good credit history
- xxxxx Comments:  Borrower has good credit history with only 1 late payment occurring 36 months ago.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has significant time at current residence with 7 years.
5000021052
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 656, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 10.29%, maximum LTV guideline is 80%.
5000021057
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 670.  Loan closed with a credit score of 682.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 6.92 years.
5000021061
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
AVM is the subsequent property inspection(11/11/2022) completed after FEMA Disaster Declaration #4673 date of effective 9/29/22, XXX. However, does not state if property have any damage. Please provide post disaster property inspection. FEMA Declaration Date 9/29/2022 for XXX
12.13.2022 Client provided 3rd party exterior inspection dated 12.12.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 778 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 11.87%/50.38% below guideline requirements
5000021061
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
Property
Satisfied
C
A
C
A
PRVAPROP177
Property Issues Indicated
No
AVM photo reflects subject having a For Sale Sign in Yard and Borrower have owned subject property over 7 yearsPer Guidelines property cannot be currently listed for sale, (1). it must be taken off the market prior to Closing of the new HELOC loan, and (2). the borrowers must confirm their intent to occupy the subject property as their principal residence.  (3). A Copy of the cancelled listing contract is required. Provide all required (3) documentation per guidelines that subject is no longer listed.
11/23 Client provided an Email that the AVM exterior inspection  does not indicate the property is listed for sale; However, the AVM photo shows a for sale sign which is evidence the property was recently listed for sale; GLs require (1). it must be taken off the market prior to Closing of the new HELOC loan, and (2). the borrowers must confirm their intent to occupy the subject property as their principal residence.  (3). A Copy of the cancelled listing contract is required. Condition remains to Provide all required (3) documentation per guidelines that subject is no longer listed. 12/7 Client provided evidence subject has been removed from listing
satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 778 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 11.87%/50.38% below guideline requirements
5000021062
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing date.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  735 Credit score exceeds guidelines of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of 574.50.
5000021062
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.142). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  735 Credit score exceeds guidelines of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of 574.50.
5000021063
XXXXXX
XXXXXX
(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
- xxxxx Comments:  7 years at current residence.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  10 years at current job.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  13 years  at current job.
5000021067
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
AVM does not support original AVM value with a -18.35%.
11/7/2022 client provided an updated AVM which supported the OAVM.
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  30 years and 4 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6 years at current residence
5000021071
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrowers have no late payments on the mortgage
5000021072
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 651 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 31.92% is below guideline maximum of 43%.
5000021074
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  37.28% DTI is below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $1,267.93.
5000021074
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  37.28% DTI is below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $1,267.93.
5000021080
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 26.22% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 761 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 15.17%/55.88% below guideline requirements
5000021091
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 16 years 6 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 774.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 22.83%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 19 years 2 months at current job.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 44.57%.
5000021092
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  18 years and 8 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  11 years and 11 months at current residence
5000021093
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and previous mortgages paid as agreed 0 x 30.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43.00%.  Loan closed with DTI of 24.23%.
5000021094
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$33,549.70

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 6 years
5000021094
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
12/5/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$33,549.70

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 6 years
5000021101
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12.5.2022 Client provided exterior disaster inspection dated 11.29.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 32.46%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 62.15%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  673 score with a 600 min
5000021104
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide the FMV Affidavit signed by the Lender.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 633 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 17 years at current residence.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 46.12%.
5000021104
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 633 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 17 years at current residence.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 46.12%.
5000021108
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated value of $162,000.00 is 14.31% below original appraised value of $189,059.00. 11/28/2022 AVM received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 29.39% is below guideline maximum of 43%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 629 exceeds guideline minimum of 600.
5000021109
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 765.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and previous mortgages paid as agreed, 0 x 30.
5000021110
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 680 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 19.57% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $2,095 - HELOC payment $799.90 = $1,295.10  monthly savings.
5000021115
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 11 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 10% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 25 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 10% below guideline maximum of 43%.
5000021126
XXXXXX
XXXXXX
(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
- xxxxx Comments:  CLTV > 10% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 25 points above guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI > 10% below guideline maximum of 43%.
5000021128
XXXXXX
XXXXXX
(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
- xxxxx Comments:  B1 has lived 23+ years in current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's credit score 681 exceeds the minimum score of 600.
5000021135
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 709 exceeds guideline minimum of 600.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Payment history of 0X30X18 is better than guideline requirement of 0X30X12.
5000021135
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.138). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 709 exceeds guideline minimum of 600.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Payment history of 0X30X18 is better than guideline requirement of 0X30X12.
5000021143
XXXXXX
XXXXXX
(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
- xxxxx Comments:  22 years 7 months at current home

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  726 score with a 600 min
5000021147
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Application date: 9/1/2022Note date: XXXProvide Verbal Verification of Employment (VVOE) which must be performed no more than ten (10) business days prior to the Note date.
12/8 Client provided a VVOE dated 12/8 showing the Borrower is currently and actively employed since 8/18/2006
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 14 years 1 months at current residence.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 35.14%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 783.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 16 years 2 months at current job.
5000021148
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned the subject property for 23.08 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Maximum DTI is 43%.  Loan closed with DTI of 32.78%.
5000021151
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 656.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 39.22 below guidelines.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 69.06% below guidelines.
5000021152
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
AVM is the subsequent property inspection(11/11/2022) completed after FEMA Disaster Declaration #4673 date of effective 9/29/22, XXX However, does not state if property have any damage. Please provide post disaster property inspection. FEMA Declaration Date 9/29/2022 for Hurricane Ian.
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 36.17% below guideline requirement

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 696 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (12 years) at current job

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 11.45%/58.44% below guideline requirements
5000021169
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Disaster declaration date 9/29/2022, effective 12/31/2099, XXX declaration #4673
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower been on same job for 4 years and 4 months
5000021172
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Over 17 years at current residence

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.26% below DTI 43%
5000021172
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Over 17 years at current residence

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 25.26% below DTI 43%
5000021179
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed at current employer for 5.58 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and prior mortgages paid as agreed, 0 x 30.
5000021183
XXXXXX
XXXXXX
(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
- xxxxx Comments:  38 years at current residence

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrowers' credit score 704 exceeds the minimum score of 600.
5000021187
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  10 years and 6 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  18 years and 3 months at current residence
5000021188
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Fico score 679 exceeds guide lines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 21.43 is below lender's guide line maximum.
5000021189
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guideline, minimum credit score is 600.  Loan closed with credit score of 688.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guideline, maximum DTI is 43%.  Loan closed with DTI of 31.35%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines maximum LTV/CLTV is 80%.  Loan closed with and LTV of 9.33% and CLTV of 62.25%.
5000021204
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
A
C
A
C
A
A
A
Credit
Income/Employment
Satisfied
C
A
C
A
CRDINC2488
Verbal verification of employment missing
No
Missing required Verbal VOE within 10 days of note date. Application date is 9/2/2022 and note date is XXX
12/8 Client provided evidence  a VVOE dated 10/20/22 was provided in the file
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property over 4 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.18% DTI is below guideline maximum of 43%.
5000021204
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
A
C
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXX Please provide post disaster property inspection.
11.28.2022 Client provided LOX stating: File has 2 XXX Exterior inspection reports in original documents. One dated 10/10/2022 and another dated 09/06/2022. The 10/10/22 inspection is post FEMA declaration. Additional inspection should not be needed. Response, FEMA Disaster effective date was 11.4.2022; disaster inspection is needed and to be dated after 11.4.2022; condition remains12/13 Client provided a PDI dated 12/9/22 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property over 4 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32.18% DTI is below guideline maximum of 43%.
5000021206
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 17 years on current job

CFCFS2860: Good credit history
- xxxxx Comments:  Borrower has overall good credit history
5000021221
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has worked at current employer for 10.92 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 692.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current mortgage reviewed for 36 months with 0 x 30.
5000021231
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE117
TX Equity - Missing Affidavit of Fair Market Value
No
TX Equity - Affidavit of Fair Market Value missing Lenders signature.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 746 exceeds minimum guidelines for credit score of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 26.24% is below the maximum guideline of 43%.
5000021233
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Current mortgage reviewed for 30 months with 0 x 30.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 37.17%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 17.67 years.
5000021253
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment as a XXX for the past 24 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in the subject property for the past 11+ years
5000021258
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Fair Market Value affidavit was not signed by the lender.
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrowers have no late payments on the mortgage history
5000021258
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
HELOC APR is 9.8640% a difference of 0.1360%, which exceeds the tolerance of 0.125%. Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrowers have no late payments on the mortgage history
5000021261
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 71.06%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 717; Program min- 670

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  0x30 for 60+ months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 31.10%; Program max- 43%
5000021263
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 37.07% below guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 9 years at current job.
5000021266
XXXXXX
XXXXXX
(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
- xxxxx Comments:  36.65% DTI

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  718 credit score
5000021269
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has lived at current residence for the past: 13 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 13 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 13 years

CFCFS1731: Verified cash reserves exceed guidelines
- xxxxx Comments:  Liquid Assets=$5,881.28

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Representatives scores:735
5000021273
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 22.67 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 36.76%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines, maximum LTV/CLTV is 80%.  Loan closed with an LTV of 6.19% and CLTV of 69.04%.
5000021279
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 37 months of 0x30 on current mortgage

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for over 9 years
5000021292
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 69.10%; Program max- 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0x30 for 22 months

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 736; Program min- 670

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 33.80%; Program max- 43%
5000021297
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  The borrower has been employed with XXX for 11 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  704 qualifying score. Min required per guidelines is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 16.81%; max allowed per guidelines is 80%.
5000021300
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Low DTI of 37.95%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 23 Years at Current Residence

CFCFS2854: Significant time in profession
- xxxxx Comments:  Borrower has 23 Years in Current Profession
5000021302
XXXXXX
XXXXXX
(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
- xxxxx Comments:  5 years and 2 months at current residence

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  17.59% LTV is below guideline maximum of 80%
5000021305
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Application
Satisfied
C
A
C
A
CRDAPP2418
Ownership history inaccurate / incomplete
No
Missing clarification of ownership of the subject property.  Final 1003 reflects borrower rents the subject property for 2 years.  Fraud report reflects ownership.
11.23.2022 Client provided LOX stating: Borrower is owner of the property. Per fraud report, title vesting, and chain of title, borrower has owned property since 09/30/2015. Response, Agree all documentation in loan reflects borrower at subject and borrower being in title, appears 1003 reflects typo of renting vs owning.
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines, maximum LTV/CLTV is 80%.  Loan closed with an LTV of 5.97% and CLTV of 62.65%.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 40.32%.
5000021312
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  Borrower has no late payments on the mortgage
5000021317
XXXXXX
XXXXXX
(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
- xxxxx Comments:  668 Credit score exceeds guidelines of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of $2,802.82.
5000021323
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 11 years and 4 months on current job

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $623.75.
5000021349
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
FMV is missing Lender signature.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 660 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 59.79% is below guideline maximum of 80%.
5000021349
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 660 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 59.79% is below guideline maximum of 80%.
5000021351
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
DTI
Satisfied
B
A
B
A
CRDDTI106
Debt Ratio Exception >5% and <10%
No
Tape value for the DTI is 35.89. The current value of 40.95 includes the $1995 payment to XXX which is an actually a total balance rather than a monthly obligation, but there is no evidence of an agreed upon monthly payment in the file.
12/12 Client provided an Email; upon review income corrected to include Disability income from VA award letter; DTI including XXX collection now matches Lender calculation  35.88%
Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  638 FICO exceeds the guideline minimum requirement of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has been with her current employer for more than 12 years.
5000021362
XXXXXX
XXXXXX
(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
- xxxxx Comments:  LTV- 62.79%; Program max- 80%

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 99 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  B1 has lived 20+ years at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 7+ years at current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 36.50%; Program max- 43%
5000021366
XXXXXX
XXXXXX
(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
- xxxxx Comments:  22.24% DTI

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Debt reduction is $1,131.09/month
5000021368
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Disaster Declaration on 09/29/2022 due to XXX in the Area. Provide post-disaster property inspection report. May be subject to additional conditions upon review
12/8 Client provided a PDI dated 12/7/22 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 70.39%; Program max- 80.00%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 728; Program min- 670

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has worked 27+ years at current job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 27.55%; Program max- 43%
5000021378
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 12 years and 6 months.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer for 7 years and 6 months.
5000021379
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has stable employment as a XXX with XXX, for the past 10 + years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for the past 17 + years
5000021384
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  6 years and 6 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  14 years and 6 months at current residence
5000021391
XXXXXX
XXXXXX
(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
- xxxxx Comments:  11.86%/65.55% LTV/CLTV

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  13.40% DTI
5000021394
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Low DTI 28 %

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Low LTV/CLTV/HLTV 78 %

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0 X 30 Mtg Payment for 2 Years
5000021398
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has been on current residence for more than 27 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Calculated LTV of 43.98% is below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 638 exceeds guidelines.
5000021400
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has been in the same profession for 20 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 35.62 is below lender's guide line maximum.
5000021404
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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 at closing
11/22/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/22/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  40.37 LTV is below the guideline max allowed 80.00.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  724 FICO exceeds the guideline requirement of 600.
5000021404
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  40.37 LTV is below the guideline max allowed 80.00.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  724 FICO exceeds the guideline requirement of 600.
5000021411
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 22.09% is below the maximum guideline of 43%.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Positive mortgage payment history for the past 24 months or more.
5000021420
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12.9.2022 Client provided 3rd party exterior inspection dated 12.8.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 671 exceeds min score requirement.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 77% is below max LTV of 80%.
5000021423
XXXXXX
XXXXXX
(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
- xxxxx Comments:  54.65%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  10.5 years at residence
5000021439
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
FEMA
Active
C
C
C
C
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
Yes
FEMA Disaster declaration date 9/29/2022, effective 12/31/2099, XXX, declaration #4673
12.5.2022 Client provided exterior disaster inspection dated 11.26.2022 with Soffit eve Wind damage and missing shingles, along with exterior photos. Condition remains due to Soffit Eve Wind damage and some missing shingles 12/5 Client provided an Email regarding a pending insurance claim for Soffit damage; condition remains, Provide evidence of Insurance claim and cost to cure
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on the same job for the past 20 years and 3 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has resided at the same residence for the past 17 years and 11 months
5000021443
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 783 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 22.87% below guideline requirement

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 5.61%/51.73% below guideline requirements

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (27 years) at current job
5000021444
XXXXXX
XXXXXX
(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
- xxxxx Comments:  37.56% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  11.13%/70.67% LTV/CLTV
5000021446
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 668 exceeds guideline minimum, of 600.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower is 0X30 for 16 month life of loan
5000021458
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
11.28.2022 Client provided LOX stating: Original file sent over has 2 inspections, one dated 09/12/2022 and one dated 10/06/2022 per first page of inspection report. The 10/6/22 inspection is post FEMA declaration. Additional inspection should not be needed.  Response, FEMA Disaster effective date was 11.4.2022; disaster inspection is needed and to be dated after 11.4.2022; condition remains12/13 Client provided a PDI dated 12/9 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS2860: Good credit history
- xxxxx Comments:  The borrowers have overall good credit
5000021460
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC2488
Verbal verification of employment missing
Yes
Provide VVOE.  Loan did not close within 30 days of application.  No VOE indication on XXX site
12.7.2022 Client provided Written VOE dated 12.7.2022 with Note date XXX; VVOE provided not within 10 days of Note date.  Condition remains
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  11.65%/74.98% LTV/CLTV

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  707 credit score
5000021460
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
Credit
Income/Employment
Satisfied
D
A
D
A
CRDINC2408
Income verification does not meet guidelines
No
Provide 2021 W2
12.7.2022 Client provided Written VOE (with year 2020/2021 and YTD 2022 income verification) dated 12.7.2022 with Note date XXX however was not provided during loan transaction, provided almost 2 months after loan transaction closed however loan file do have something that appears to be a w2 but the format is different.  This condition being satisfied with the documentation that is in the loan file along with this Written VOE
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  11.65%/74.98% LTV/CLTV

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  707 credit score
5000021461
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 23 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 26 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Calculated LTV of 63.74% is below guideline requirement.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 742 exceeds guidelines.
5000021463
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 14 years and 3 months.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $605.10.
5000021464
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 696 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 4 years.
5000021469
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 5 years and 6 months.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for over 6 years.
5000021473
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Missing inspection for FEMA disaster dated 9/29/2022 Public XXX #4673
12.5.2022 Client provided exterior disaster inspection dated 11.25.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 738 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 31% is below guideline maximum of 43%.
5000021475
XXXXXX
XXXXXX
(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
- xxxxx Comments:  19.30% DTI

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  719 qualifying score

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  57.38%
5000021476
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC2488
Verbal verification of employment missing
Yes
Missing VVOE, loan closed after 30 days of application date Application date 9.12.2022 and Note date XXX = over 30 days
12.13.2022 Client provided post close VVOE dated 12.13.2022 with Note date XXX however not within 10 days of Note date, condition remains due to missing vvoe dated within 10 days of Note date, vvoe provided is after transaction closed.
(No Data)
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 703 exceeds guidelines

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 31.36% below guideline requirement

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time (7 years) at current job
5000021479
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 646 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 26.50% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $2,110 - HELOC payment $756.35 = $1,353.65  monthly savings.
5000021480
XXXXXX
XXXXXX
(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
- xxxxx Comments:  18.32% DTI is below guideline maximum of 43%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned subject property for 12 years and 9 months.
5000021481
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
Texas Home Equity
Satisfied
D
B
D
B
CMPTXHE117
TX Equity - Missing Affidavit of Fair Market Value
No
Missing Affidavit of Fair Market Value
11/28/22 Client provided the FMV Affidavit (Lender signed Post-Closing).
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  15.42% DTI is below the guideline max allowed of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in the subject property for more than 5 years.
5000021481
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  15.42% DTI is below the guideline max allowed of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in the subject property for more than 5 years.
5000021484
XXXXXX
XXXXXX
(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
- xxxxx Comments:  27.29% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  12.72%/48.73% LTV/CLTV
5000021485
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 39.03% below guideline requirement of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 36 months exceeds guidelines of 12 months
5000021489
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Value not supported by updated AVM dated 11-11-2022 with estimated value of $147,000 has a variance of -15.4862 or $26,936.00. 11/28/2022 BPO received which did not support the OAVM with a -12.04% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 640 exceeds minimum required 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 20.82% is below the maximum allowable 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid off monthly debt of $767 - HELOC payment $497.53 = $269.47 monthly savings.
5000021490
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Missing lenders signature on Affidavit of Fair Market Value.
11/28/2022 Client provided the FMV Affidavit signed by the Lender Post-Closing.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $940 monthly savings.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 659 exceeds mi n score requirement of 600
5000021490
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $940 monthly savings.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 659 exceeds mi n score requirement of 600
5000021491
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at current employment over 21 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower at current subject over 21 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Mid credit score of 690
5000021492
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM value of $265,000 does not support Lender AVM value of $374,990. This is a -29.33% variance. 11/28/2022 BPO received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  33.86% DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 99 months of 0x30 on current mortgage
5000021493
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  10 years and 1 month at current job

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  10 years and 7 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  22 years and 6 months at current residence
5000021502
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Insurance effective 10/09/2022. Disbursement XXX
12.9.2022 Client provided LOX stating: I have uploaded policy from 9/22/22 to 10/09/22 and closing was on XXX Response, this policy is in file and reflects effective date of 9.22.2022 - 10.9.2022 expiration date however file also have HOI policy of 10.9.2022 -10.9.2023 renewal
Condition satisfied
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 753 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 37.5% is below guideline maximum of 43%.
5000021509
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 713.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 15.67 years.
5000021514
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Provide the FMV Affidavit signed by the Lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  639 credit score
5000021514
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  639 credit score
5000021519
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Terms/Guidelines
Active
C
C
C
C
CRDTER3122
Loan documents do not meet guideline requirements
Yes
First lien appears to be an interest only loan as no Principal and Interest payments are required nor have any been paid per the mortgage statement. Guidelines state that Interest Only senior liens are not allowed.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has worked for current employer for over 6 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for more than 19 years.
5000021537
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 6 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 710 exceeds guidelines.
5000021537
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.6120% a difference of 0.1380%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
  
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 6 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 710 exceeds guidelines.
5000021541
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 659 exceeds guidelines.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 7 years.
5000021542
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 34.45%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Mid credit score of 725
5000021543
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower is saving over $400/month in debt reductioin

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has ox30 on current and previous mortgages
5000021547
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 717 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 36.78% is below guideline maximum of 43%.
5000021549
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 at current job for over 14 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  B2 at current job for over 21 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  At current residence for over 9 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 24.82% is lower than 43%
5000021552
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXX. Please provide post disaster property inspection.
11.28.2022 Client provided LOX stating: Please see original HouseCanary Exterior Inspection. Inspection was completed 9/15/2022 and 10/03/2022 per page one of inspection report which is post FEMA declaration. Additional inspection should not be needed. Response, FEMA Disaster effective date was 11.4.2022; disaster inspection is needed and to be dated after 11.4.2022; condition remains12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  The borrowers have occupied the primary residence for more than 9 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  743 FICO exceeds the guideline minimum requirement of 600.
5000021553
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned the subject property for 16.33 years.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 31.81%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 12.83 years.
5000021559
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Client provided an AVM with a value of $494,000.00 which does not support the Market value used to qualify of $571,393.0011/28/2022 BPO received which did not support the OAVM with a -14.42% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  14 years 3 months

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  654 score with a 600 min
5000021571
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 15 years and 7 months.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property 14 years and 6 months.
5000021574
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by the Lender
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  16.35% LTV below guidelines of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 720 exceeds guidelines of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  27.86% DTI below guidelines of 45%.
5000021574
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FD/APR Review 0.1400  exceed allowed Tolerance 0.125%
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  16.35% LTV below guidelines of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 720 exceeds guidelines of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  27.86% DTI below guidelines of 45%.
5000021577
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
DTI
Active
B
B
B
B
CRDDTI105
Debt Ratio Exception 5% or Less
No
Reviewer calculated income of $8,213.48. Subject property PITI $3,030.57 + PITI of other REO $361.22 + other debt of $328.00 = $3719.79 / $8,213.48 = 45.2888%. Variance is due to the Lender not including taxes and insurance on other REO.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current mortgage and previous mortgage paid as agreed with 0 x 30.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Maximum CLTV is 80%. Loan closed with CLTV of 71.50%.
5000021581
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 694 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 46.06% is below guideline maximum of 80%.
5000021582
XXXXXX
XXXXXX
(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
- xxxxx Comments:  19.78% DTI below guideline requirement of 43%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  4.73% LTV and 65.49% CLTV below guideline of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 652 exceeds guidelines of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 10.4 years at current job.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 17.17 years at current residence.
5000021583
XXXXXX
XXXXXX
(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
- xxxxx Comments:  734 score exceeds 600 min

CFCFS1736: Significant time at current residence
- xxxxx Comments:  21 years 7 months at current home
5000021587
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 31.94% below guideline requirement of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 29 months exceeds guidelines of 12 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 11.42 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 7.08 years
5000021601
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 37.40% below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 12.83 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 14.75 years
5000021602
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
PC affidavit in file- exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 738 exceeds minimum required 670 for expanded use cash out program.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of  68.69% is below the maximum allowable of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 5 years on current job.
5000021602
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR Review 9.6712 exceeds allowed Tolerance 0.125%
12/06/2022 Per Legal Department review with Lender, Rate Period used should be Daily 365.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 738 exceeds minimum required 670 for expanded use cash out program.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of  68.69% is below the maximum allowable of 80%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 5 years on current job.
5000021610
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC2488
Verbal verification of employment missing
Yes
Closing date of XXX is over 30 days from the application date of 9/14/2022.  File is missing a verbal VOE.
12.9.2022 Client provided VVOE dated 12.9.2022 (post close) with Note date XXX (not within 10 days of Note date), condition remains VVOE is post close dated. Also Note: VVOE reflects no employer name but phone number matches 1003
(No Data)
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV > 20% below guideline maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Median FICO > 50 points above guideline minimum of 600.
5000021614
XXXXXX
XXXXXX
(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
CRDINC2488
Verbal verification of employment missing
No
Provide VOE date within 10 business days of closing.  Loan closed after 30 days of application and no VOE done on the Lendage site
12/8 Client provided a VVOE showing the Borrower is current and actively employed since 12/16/2017
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Bwr has been with his current employer for more than 5 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  The borrower has occupied the subject property for more than 6 years.
5000021622
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 24.60%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 22.17 years.
5000021633
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers have 7 years 8 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 718.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 15.25%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 12 years 11 months at current job.
5000021636
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA229
Natural Disaster Area, Subseq inspect prior to Disaster (Public)
No
 No inspection since the FEMA Disaster 12/31/2099-  XXX-. xxxxx grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant.  These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities.  Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has 8 years and 10 months at current residence

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 27 years and 3 months at current residence
5000021647
XXXXXX
XXXXXX
(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
- xxxxx Comments:  23.06% DTI is below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Monthly debt payment reduction of $1,365.31.
5000021650
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
LTV/CLTV
Waived
B
B
B
B
CRDLTV107
LTV Exception 5% or Less
No
82.60% , max 80%
11/7/22 Client provided approved exception for 82.72%
Initial and final grade B
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  8 years and 7 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  748 qualifying score. Min required per guidelines is 600.
5000021657
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
AVM came in at $204,629 and updated AVM value is 142,000.00, exceeding the maximum variance. 12/01/2022 updated AVM received which supported the OAVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  10 years and 1 month at current residence

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  26.73% LTV is below guideline maximum of 80%
5000021660
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers reside at the subject property for 32 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 is employed with same company for 23 years

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  40 month payment history reporting on credit- No late payments
5000021663
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  7.58 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  6.42 years at residence
5000021665
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender at closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 12 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 670.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 27.85%.
5000021665
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 12 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 670.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 27.85%.
5000021669
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has owned the subject property for 9 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 10.58 years.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 672.
5000021670
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  B2 has 7.17 years at her current position.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  34.12% DTI is below the guideline max allowed 43%
5000021678
XXXXXX
XXXXXX
(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
- xxxxx Comments:  40.25%/65.27% LTV/CLTV

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 31 months of 0x30 on current mortgage
5000021682
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  30 years and 8 months at current job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  18 years and 2 months at current residence
5000021684
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower credit score of 687 exceeds guidelines of 600.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 9.25 years at current job.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  28.82% DTI below guidelines of 45%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  14.36% LTV,64.34% CLTV below guidelines of 80%.
5000021692
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co Borrower has been on same job for the past 16 years

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have resided at the same residence for the past 5 years and 10 months
5000021695
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer for over 11 years

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 0x30 on current and previous mortgages
5000021705
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Public declaration #4673 declaration date 9/29/22, XXX, Non-Material B
12/13 Client provided disaster inspection dated 12/12/22, no damage
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for the past: 15 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past: 5 years

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer in the past:21 years
5000021710
XXXXXX
XXXXXX
(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
- xxxxx Comments:  25.80% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  14.97%/52.41% LTV/CLTV
5000021713
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA858
Natural Disaster Area, no subsequent inspection  (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXX. Please provide post disaster property inspection.
PDI disaster inspection 11/25/2022.
Condition satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 648, minimum allowed is 600.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Credit tradeline length is 156 months, minimum length is 36 months.
5000021713
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
An AVM was received with a value of $435,000 which is a variance amount of $102,636 and a variance percentage of (-19.0902%) from the original AVM value of  $537,636. 11/28/2022 BPO received which did not support the OAVM with a -16.30% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 648, minimum allowed is 600.

CFCFS1742: Consumer credit history exceeds guidelines
- xxxxx Comments:  Credit tradeline length is 156 months, minimum length is 36 months.
5000021716
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 788 exceeds guideline minimum of 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 38.78%is below guideline maximum of 43%.
5000021720
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 8 years and 4 months.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for 15 years and 9 months.
5000021735
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on the same job for the past 15 years and 10 months

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been on the same job for the past 4 years and 3 months
5000021741
XXXXXX
XXXXXX
(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
- xxxxx Comments:  30.78% DTI

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  7.32%/44.72% LTV/CLTV
5000021744
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has been at residence for 6.08 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  17.46% DTI is below max 43%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  72.62% CLTV is below max of 80%
5000021745
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Credit
Insurance
Satisfied
C
A
C
A
CRDINSR5351
Insurance Effective date is greater than the transaction date
No
Property Insurance provided in file reflects policy term from 11/16/2022 -11/16/2023.  Note date XXX
12.12.2022 Client provided previous HOI policy effective dates 11.16.2021 - 11.16.2022
Condition satisfied
Not Applicable
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage history reviewed for 36 months with 0 x 30.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 21.83 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid $54,825 in consumer debt with total monthly payments of $2,199.00
5000021745
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Credit
Legal Documents
Active
D
D
D
D
CRDLGL4033
Missing Legal Document(s)
Yes
Missing Loan Modification Agreement for the 1st mortgage.  Credit report reflects loan was modified.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage history reviewed for 36 months with 0 x 30.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 21.83 years.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower paid $54,825 in consumer debt with total monthly payments of $2,199.00
5000021753
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 42.93 below guidelines.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 has 8 years at current job.
5000021767
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Declaration Date 9/29/2022 for XXX. Please provide post disaster property inspection.
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  35.75% DTI is below guideline maximum of 43%.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Total monthly debt reduction of $1,781.96.
5000021776
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Property Value Not Supported, original AVM value of $246,790, updated AVM value $214,252 a -13.18% difference exceeding the 10% allowed. BPO received which did not support the OAVM with a -33.14% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  656 Credit score exceeds guidelines of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of $201.08.
5000021777
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
DTI
Satisfied
B
A
B
A
CRDDTI105
Debt Ratio Exception 5% or Less
No
45.6% DTI exceeds guideline maximum of 43%.
12/13 client requested a review; upon review the Lenders most recent 12 month income calculation is supported $7978.84 and DTI is 42.77%
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 5 years and 9 months.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned subject property for 6 years and 4 months.
5000021785
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score 744 exceeds guidelines

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV/CLTV 10.80%/63.67% below guideline requirements

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 37.04% below guideline requirement
5000021791
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI at 39.01% below guideline requirement of 43%

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 31 months exceeds guidelines of 12 months

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 8.67 years
5000021801
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender at closing
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in / owned subject property for the past 15.6 +  years

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrowers has maintained a  mortgage history of 0 x 30 for the past 48 months
5000021801
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.3600% a difference of 0.1400%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in / owned subject property for the past 15.6 +  years

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Borrowers has maintained a  mortgage history of 0 x 30 for the past 48 months
5000021804
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Credit
Credit/Mtg History
Active
B
B
B
B
CRDCRMH193
Length of mortgage/rental history in file does not meet guideline requirement
No
Guidelines call for 12 payments 0/30.  Borrower is 1/30 in last 12 months.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI at 30.52% below guideline requirement of 43%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Significant time at current residence of 20.25 years

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 9.5 years
5000021805
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 717, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 14.95%, maximum LTV guideline is 80%.
5000021806
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 37.69%
5000021807
XXXXXX
XXXXXX
(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
- xxxxx Comments:  755 credit score exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 54.71% is below guideline maximum of 80%.
5000021810
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with employer for over 31 years

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Borrower is saving $315.37/month.
5000021813
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 8 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 706 exceeds guidelines.
5000021818
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
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
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  673 credit score

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  40.44% DTI
5000021818
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  673 credit score

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  40.44% DTI
5000021827
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 38.46%
5000021832
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender.
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/28/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Mid credit score of 741

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 29.61%
5000021848
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA229
Natural Disaster Area, Subseq inspect prior to Disaster (Public)
No
FEMA Declaration Date 9/29/2022 for Hurricane Ian. Please provide post disaster property inspection.
11.28.2022 Client provided 3rd party exterior inspection dated 11.22.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  700 mid score exceeds 670

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  12.23% LTV/60.34 CLTV is below max 80/80.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at job for 28.08 years

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  Significant total monthly debt reduction of $242.44
5000021862
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 15.37%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV 73.32%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at current employment for over 23 years
5000021864
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 703.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 37.57%.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 72.22%.
5000021865
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Credit
Income/Employment
Active
C
C
C
C
CRDINC890
Employment is Unsupported by Documentation in File
Yes
B2 has only 3 months documented employment on the 1003; 1 year job history required
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  13.75 years at current job

CFCFS2860: Good credit history
- xxxxx Comments:  No lates in the last 24 months
5000021869
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 705 exceeds guideline minimum of 600.

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has been 0X30 over 92 month life of loan.
5000021872
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers have 13 years 3 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 685.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 37.16%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 14 years 2 months at current job.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has 19 years 2 months at current job.
5000021887
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Credit
Title
Active
D
D
D
D
CRDTIL865
Title incomplete
Yes
Final Title Policy provided in file reflects an open 1st mortgage with XXX with an original balance of $XXX.  Title Commitment provided in file reflects 2 open mortgages with XXX with original balances of $60,000 and $25,000 (satisfaction and release).  Final HUD reflects the payoff of 2 mortgages. Missing correct final title to reflect subject lien as 1st lien.
12.2.2022 Client provided LOX stating: the final title policy correctly lists our new mortgage coverage on page 1. The title provider does not update or remove items from the reporting until the releases have been recorded with the county and are ''of record''. Further, we review to ensure the final policy reflects our new lien. If it does not, we request an update. The settlement agents are not required to provide an updated policy post-recording of our mortgage. Response, Final Title reflects lien from July 29, 2014 XXX however appears there is no longer a lien on the property, except our subject lien.  Condition remains for Final Title to reflect removal of this filed lien from July 29, 2014 which appears to be the lien that was paid off in the amount of $20,632 on subject HUD-1; not sure why final title would reflect this lien 12/12 Client provided an Email "The final title policies are required to reflect our new lien added. If the releases were not of record or available to the title insurance provider at the time that the policy was issued, then we only expect to see our new lien coverage added" Response; upon review the subject loan was closed in first position; The Final Title shows the subject Mortgage in second position, subordinate to the 7/29/14 XXX $XXX lien. Provide Corrected Title showing the 7/29/14 Lien removed and the Subject Mortgage in 1st position
(No Data)
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 22.25 years.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  Per guidelines, maximum LTV/CLTV is 80%.  Loan closed with LTV/CLTV of 38.95%

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 35.37%.
5000021893
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Per VOE borrower has been on job since 5/3/2004.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 628 exceeds guideline minimum of 600.
5000021894
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 17 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 704 exceeds guidelines.
5000021897
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  0X30 Days late in the prior 99 mos verified.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived at current residence for over 15 years.
5000021900
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 43.39%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 12 years at current employment
5000021901
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
A
C
C
A
A
C
C
C
A
C
C
A
A
Credit
Credit/Mtg History
Satisfied
C
A
C
A
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
No
Review back end DTI IS 41.80% due to lender omission of XXX of $333 XXX showing balance of 1,307 payment of $44 +XXX showing balance of $316 payment of $ 29 on credit report . No LOX in file explaining omission of debt, no payoff found in file.
12/13 Client provided an Email acknowledging the debts should be included ; DTI still within GLs with the debts included io the qualifying ratios 41.8%
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 678 exceeds guidelines of 600.
5000021901
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
C
A
C
C
A
A
C
C
C
A
C
C
A
A
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM does not support original AVM value with a -13.11%. 11/28/2022 BPO provided which does not support the OAVM with a -14.72% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower credit score of 678 exceeds guidelines of 600.
5000021902
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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.
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 17 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 641 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 31.32% is below guideline requirement.
5000021902
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 17 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 641 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 31.32% is below guideline requirement.
5000021904
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
FEMA Declaration Date 9/29/2022 for XXXPlease provide post disaster property inspection.
12.5.2022 Client provided exterior disaster inspection dated 11.29.2022 with no damage, along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 671 exceeds guidelines.
5000021909
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of FMV not signed by the lender at closing
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 763, minimum allowed is 600.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI is 30.80%, maximum DTI guideline is 43%.
5000021913
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
Property Valuations
FEMA
Active
B
B
B
B
PRVAFEMA229
Natural Disaster Area, Subseq inspect prior to Disaster (Public)
No
Exterior inspection after disaster period of 9/29/2022 was 10/3/2022 with no damage noted.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history of 30 months exceeds guidelines of 12 months

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has significant time at current job of 6.5 years
5000021915
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
The FMV Affidavit was not signed by the Lender at Closing.
(No Data)
Condition Satisfied. File contains a FMV Affidavit signed by the Lender Post-Closing.
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in the subject property for the past 5.7 + years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 36.68% < guideline max
5000021915
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has lived in the subject property for the past 5.7 + years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI of 36.68% < guideline max
5000021928
XXXXXX
XXXXXX
(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
- xxxxx Comments:  681 qualifying score

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  7 + years at job

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  26.99% DTI
5000021935
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Property Valuations
FEMA
Satisfied
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
No subsequent inspection done after FEMA disaster of 9/29/2022 XXX. Provide post-disaster inspection
12/8 Client provided a PDI dated 12/7/2022 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 24 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 701 exceeds guidelines.
5000021938
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 57 months of 0x30 on current mortgage

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  31.35% DTI
5000021942
XXXXXX
XXXXXX
(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
Borrower has been employed with current Employer for 5 months. Prior employer per 1003 is XXX with no job gap.  Since multiple types of income are being used, provide Borrowers 2022 YTD paystub from XXX to get a 12 month income.Income will be calculated once received
12.7.2022 Client provided duplicate income worksheet for borrower however still missing the initial condition documentation. Borrower has been employed with current Employer for 5 months. Prior employer per 1003 is XXX with no job gap.  Since multiple types of income are being used, provide Borrowers 2022 YTD paystub from XXX to get a 12 month income.  Income will be calculated once received 12.8.2022 Client provided LOX stating: The only income used to qualify is the primary job which is the only job they currently hold. Income is calculated based on earnings from the current job only and not previous employers. Income was calculated using YTD average of their total income from the current job. Multiple sources of income are not being used. The income that is used to qualify is based on the average of 53792.76 over the number of months since they started. They started in April which is what our income calculation worksheet reflects. Income is never calculated based on earnings from a job they no longer hold. It is only based on the current job. Please review step 1A of the guideline on base/variable income.  Response, Agree guidelines b. step 1A states (variable income): if employed at current employer less than 12 months - income is averaged over the number of months employed with the current employer, however file have no VVOE verifying employment start date to accurately calculate the averaged months income. Condition remains to verify start date of current employment for income calculation 12.13.2022 Client provided post close dated previous and current VVOE verifying current employment start date of April 6, 2022; monthly income of $9,961.62 is supported due to borrower being with current employer less than 12 months
Condition satisfied
(No Data)
Not Applicable
CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has no lates on current or previous mortgage

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  655 credit score
5000021955
XXXXXX
XXXXXX
(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
- xxxxx Comments:  4.5 years at residence

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  0 x 30 50 months
5000021959
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer for 37 years and 9 months.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned subject property for 35 years and 7 months.
5000021961
XXXXXX
XXXXXX
(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
- xxxxx Comments:  30.83%/69.44% LTV/CLTV

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 35 months of 0x30 on current mortgage
5000021967
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI of 33.79% is below guideline maximum of 43%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 660 exceeds guideline minimum of 600.
5000021979
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 717.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage payment history reviewed for 33 months with 0 x 30.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 21.22%
5000021982
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrowers have 9 years 6 months at current residence.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 733.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 34.72%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 10 years 2 months at current job.
5000021988
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Affidavit of Fair Market Value not signed by lender
(No Data)
11/28/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  36.06% DTI

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 690
5000021988
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR per review 9.864% a difference of 0.136%, which exceeds the tolerance of 0.125%, Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  36.06% DTI

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score 690
5000021989
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 741.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and prior mortgages paid as agreed 0 x 30.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 22.47%.
5000021993
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
TX EQ FMV Affd not executed via lender.
(No Data)
Satisfied. Post Affidavit provided.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 727 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 31.99% is below guideline requirement.
5000021993
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.1360). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying credit score of 727 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 31.99% is below guideline requirement.
5000021998
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
Missing Lender signature on Affidavit of Fair Market Value. Post close document provided with Lender signature, exception satisfied
(No Data)
Post close document provided with Lender signature, exception satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 672 exceeds guideline minimum of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Pet tile borrower has owned home since 12/19/2018.
5000021998
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
TILA - HELOC Exceeds APR Tolerance 0.136 >0.125Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 672 exceeds guideline minimum of 600.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Pet tile borrower has owned home since 12/19/2018.
5000022000
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 25.30%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned the subject property for 5.17 years.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and prior mortgage paid as agreed with 0 x 30.
5000022008
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with a credit score of 649.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 37.30%.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Current and prior mortgages paid as agreed 0 x 30.
5000022022
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
Texas Home Equity
Satisfied
D
B
D
B
CMPTXHE117
TX Equity - Missing Affidavit of Fair Market Value
No
TX EQ FMV Affd missing.
12/13/2022 Client provided a copy of fully executed FMV Affidavit. Condition satisfied
12/13/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 13 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned subject property for 5 years and 10 months.
5000022022
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.1360). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for 13 years.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrowers have owned subject property for 5 years and 10 months.
5000022029
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI (Back) of 32.14%.

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 765.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  B residing at subject property for 14 years

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  56 months mortgage payment history reporting on credit- No late payments
5000022043
XXXXXX
XXXXXX
(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
- xxxxx Comments:  736 fico exceed 670

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  32% DTI below 43%
5000022046
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying FICO of 728.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 54.99%.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 36.17%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 5 years 4 months at current job.
5000022052
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000022062
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
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
Missing Lenders signature on Affidavit of Fair Market Value
(No Data)
Condition Satisfied. File contains a Post-Closing FMV Affidavit signed by the Lender.
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $3,038 monthly savings

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-borrower has been at current job for over 6 years.
5000022062
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
Difference APR FND/APR Review: 0.1360 > 0.125.   Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $3,038 monthly savings

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-borrower has been at current job for over 6 years.
5000022067
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 38.51%
5000022074
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
Disaster declaration date 09/29/2022, XXX. Inspection date  10/04/2022
12/13 Client provided a PDI dated 12/9/22 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qualifying FICO of 696.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV of 62.78%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Over 21 years with same employer
5000022080
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Significant time at current residence 3 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 37.59% is below program maximum 43%
5000022085
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Qualifying credit score of 655 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calculated DTI of 31.53% is below guideline requirement.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has been on current residence for more than 12 years.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been on current job for more than 13 years
5000022115
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Per guidelines, minimum credit score is 600.  Loan closed with 660 credit score.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%. Loan closed with DTI of 30.21%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been employed with current employer for 37.25 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co borrower has been employed with current employer for 37.17 years.
5000022118
XXXXXX
XXXXXX
(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
- xxxxx Comments:  692 qualifying score

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  21.33 years at job

CFCFS1736: Significant time at current residence
- xxxxx Comments:  5.33 years at residence
5000022127
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
DTI
Satisfied
B
A
B
A
CRDDTI105
Debt Ratio Exception 5% or Less
No
DTI of 43.51% exceeds guideline maximum of 43%.
12/13 Client requested a review; upon review Lenders income calculation for the most recent 12 months income is supported $5300.04 and DTI is 42.77%
condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 656 exceeds guideline minimuim of 600.

CFCFS1740: Mortgage payment history exceeds guidelines
- xxxxx Comments:  Mortgage history of 0X30 for 58 month life of loan exceeds guideline requirement of 0X30 for last 12 months.
5000022129
XXXXXX
XXXXXX
(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
- xxxxx Comments:  687 qualifying score

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  9.75 years at job
5000022133
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Compliance
Texas Home Equity
Satisfied
C
B
C
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
TX EQ FMV Affd not executed via Lender.
11/23/2022 Client provided signed by lender FMV Affidavit. Condition satisfied
11/23/2022 Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 38.83%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned current residences for 6.25 years.
5000022133
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 38.83%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned current residences for 6.25 years.
5000022133
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Property Valuations
Value
Active
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
An updated AVM dated 11/1/2022 was received with a reported value of $430,000  which is a variance of  -10.56% less than the original appraised value of $480,744.  11/28/2022 BPO provided which does not support the OAVM with a -16.80% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Per guidelines, maximum DTI is 43%.  Loan closed with DTI of 38.83%.

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower has owned current residences for 6.25 years.
5000022144
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at current employment for 8+ years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 24.18%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 77.46%
5000022170
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
TX EQ FMV Affd not executed via Lender.
(No Data)
Satisfied. Post Affidavit provided.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 653 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 52.43% s below guideline maximum of 80%
5000022170
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 88.6400). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 653 exceeds guideline minimum of 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV of 52.43% s below guideline maximum of 80%
5000022172
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 26.83%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 67.19%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  8 years at subject
5000022180
XXXXXX
XXXXXX
(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
- xxxxx Comments:  24.61% DTI

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  Borrower has 23 months of no lates on current mortgage
5000022197
XXXXXX
XXXXXX
(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
- xxxxx Comments:  CLTV 26.73%

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 33.21%   Max 43%
5000022199
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
Texas Home Equity
Satisfied
B
B
B
B
CMPTXHE119
Texas Equity - Affidavit of Fair Market Value not signed by lender
No
FMV affidavit signed after Heloc Agreement date.
(No Data)
Satisfied.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 657, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 13.24%, maximum LTV guideline is 80%.
5000022199
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of  0.1360). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 657, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 13.24%, maximum LTV guideline is 80%.
5000022219
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Occupancy of subject property for 15 years

CFCFS1739: Postive mortgage payment history
- xxxxx Comments:  16 month mortgage history reporting no late payments
5000022225
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Mid credit score of 671

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  CO borrower at current employment 14 years

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 42.95%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 79.81%
5000022237
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Representative Credit Score 699 minimum score required 600
5000022240
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 38.94%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV 78.63%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has over 17 years at current employment
5000022241
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
Texas Home Equity
Satisfied
D
B
D
B
CMPTXHE117
TX Equity - Missing Affidavit of Fair Market Value
No
TX Equity - Missing Affidavit of Fair Market Value
11/28/22 Client provided the FMV Affidavit (Lender signed Post-Closing).
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 50.48%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 620; Program max- 600

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 99 months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 37.5%; Program max- 43%
5000022241
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
TILA
Satisfied
C
B
C
B
CMPTILA3186
TILA - HELOC Exceeds APR Tolerance >0.125
No
APR out of tolerance (Difference of 0.136). Documents state that the Finance Charge is based on a 30-day month, Daily / 360 day Rate Period. Disclosed APR appears to be using Daily / 365 day Rate Period in calculation.
(No Data)
Per Legal Department review with Lender, Rate Period used should be Daily 365. Condition Satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV- 50.48%; Program max- 80%

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Qual score- 620; Program max- 600

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxxxx Comments:  0x30 for 99 months

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  Calc DTI- 37.5%; Program max- 43%
5000022259
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 40.66%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  B1 17 years at current employment
5000022265
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 35.85%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Borrower resides at current residence/subject property for 13 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV 67%
5000022280
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower has 7 years 7 months at current residence.

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI (Back) of 36.09%.

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has 22 years 9 months at current job.
5000022295
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower at current employment 18 years

CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Credit score of 705

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 21.58%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 69.13%

CFCFS1736: Significant time at current residence
- xxxxx Comments:  Sufficient time at subject over 13 years
5000022327
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Credit score of 754 exceeds min score requirement of 600.

CFCFS1745: Significant total monthly debt reduction
- xxxxx Comments:  $1,038 monthly savings.
5000022333
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been with current employer for more than 5 years.

CFCFS1735: Co-Borrower has significant time at current job
- xxxxx Comments:  Co-Borrower has been with current employer over 15 years.
5000022357
XXXXXX
XXXXXX
(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
- xxxxx Comments:  715 fico exceed 600

CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  39.26% DTI is below max 43%
5000022362
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(No Data)
5000022365
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Property Valuations
FEMA
Satisfied
C
A
C
A
PRVAFEMA4817
Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public)
No
FEMA Declaration Date 9/29/2022 for XXX. Please provide post disaster property inspection.
12.13.2022 Client provided 3rd party exterior inspection dated 12.9.2022 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxxxx Comments:  Borrower's representative credit score is 686, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 16.94%, maximum LTV guideline is 80%.
5000022378
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Compliance
State High Cost
Satisfied
C
A
C
A
CMPSTHC318
NM High-Cost Loan by exceeding point and fee threshold,
No
Adjusted Charges $1,812.66 Total Loan Amount $XXXMaximum Charges % 5.000% Maximum Charges $1,292.50 Charges Margin to Threshold $520.16 Total Charges % 7.012% Exceeds fees test threshold? Yes 12/12/22 UPDATE: Upon further review by internal Compliance counsel, the Adjusted Charges exceed the max tolerance by $45.16.
(No Data)
Condition Satisfied upon review and fee adjustment by internal Compliance counsel.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxxxx Comments:  DTI 19.82%
5000022394
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 40.90%

CFCFS1734: Borrower has significant time at current job
- xxxxx Comments:  Borrower has been at current employment over 6 years

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV 79.55%
5000022415
XXXXXX
XXXXXX
(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
- xxxxx Comments:  DTI 23.59%

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  CLTV 59.71%
5000022417
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 651, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 8.66%, maximum LTV guideline is 80%.
5000022444
XXXXXX
XXXXXX
(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
- xxxxx Comments:  Borrower's representative credit score is 691, minimum allowed is 600.

CFCFS1737: LTV below guideline requirements
- xxxxx Comments:  LTV is 8.67%, maximum LTV guideline is 80%.


Client Name:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Client Project Name:
ACHM2023-HE1
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Start - End Dates:
7/20/2022 - 11/28/2022
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Deal Loan Count:
768
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Conditions Report 2.0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans in Report:
768
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans with Conditions:
348
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
5000000218
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000000262
Yes
XXXXXX
XXXXXX
C
B
B
B
C
A
C
B
C
B
B
B
C
A
C
B
Not Applicable
5000000763
Yes
XXXXXX
XXXXXX
C
B
A
A
B
A
C
B
C
B
A
A
B
A
C
B
Not Applicable
5000000815
Yes
XXXXXX
XXXXXX
D
A
A
A
D
A
A
A
D
A
A
A
D
A
A
A
Not Applicable
5000000971
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000000985
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000001342
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000001359
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000001660
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000002032
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000002284
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
No
5000002771
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000004580
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000007043
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000007493
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000007724
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000008270
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000008348
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000008525
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
No
5000009398
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000009418
Yes
XXXXXX
XXXXXX
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
Not Applicable
5000009987
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000010331
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000010814
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000011038
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000011619
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000011660
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000012338
Yes
XXXXXX
XXXXXX
C
B
B
B
A
A
C
B
C
B
B
B
A
A
C
B
No
5000012401
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Not Applicable
5000012474
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000012852
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000013006
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000013032
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000013708
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000014856
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000014858
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000014923
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000014974
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000014975
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015161
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015264
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000015284
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Not Applicable
5000015355
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000015384
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015509
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015547
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000015575
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Not Applicable
5000015581
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015583
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015602
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015648
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015696
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000015750
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Not Applicable
5000015824
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015841
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000015977
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000016112
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Not Applicable
5000016154
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016186
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000016213
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000016221
Yes
XXXXXX
XXXXXX
D
A
A
A
D
A
C
A
D
B
A
A
D
B
C
A
Not Applicable
5000016283
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016341
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016409
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000016447
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016489
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000016501
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016522
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016541
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016553
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016587
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016608
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016629
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016656
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016671
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000016739
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016771
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016821
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000016882
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016909
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Not Applicable
5000016916
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000016917
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016945
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016953
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
B
B
C
C
C
C
A
A
B
B
Not Applicable
5000016966
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Not Applicable
5000016967
Yes
XXXXXX
XXXXXX
D
B
D
A
A
A
C
B
D
B
D
A
A
A
C
B
No
5000016975
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016983
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017000
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017074
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000017085
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017097
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000017107
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017135
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017141
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017165
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017170
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017180
Yes
XXXXXX
XXXXXX
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000017209
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017236
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017277
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017306
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017331
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017351
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000017385
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017511
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017524
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017587
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017626
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017629
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017661
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017719
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017725
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000017759
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017767
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017774
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017842
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017846
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017862
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000017863
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017905
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000017957
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Not Applicable
5000018015
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018048
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018049
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018051
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018052
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018069
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018109
Yes
XXXXXX
XXXXXX
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
No
5000018178
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018228
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018230
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018267
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018286
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018302
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018303
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018338
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018351
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018411
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018497
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000018498
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000018510
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000018547
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018570
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018605
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018640
Yes
XXXXXX
XXXXXX
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
No
5000018642
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018660
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018670
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000018688
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018693
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018699
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018712
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000018714
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018718
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018760
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000018762
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000018789
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000018798
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000018805
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000018854
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Not Applicable
5000018867
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000018931
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018975
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000018997
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019014
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019042
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019062
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000019117
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019122
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019136
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019140
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000019169
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019174
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019199
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019211
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019213
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019230
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000019249
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019285
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019295
Yes
XXXXXX
XXXXXX
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Not Applicable
5000019303
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019307
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019311
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000019315
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Not Applicable
5000019317
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019332
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019362
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019365
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019367
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019369
Yes
XXXXXX
XXXXXX
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
No
5000019372
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000019394
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019413
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019429
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000019431
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019433
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019440
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019450
Yes
XXXXXX
XXXXXX
B
A
A
A
A
A
B
A
B
A
A
A
A
A
B
A
Not Applicable
5000019461
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000019475
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000019479
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019482
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019484
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000019487
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019488
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000019509
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
C
B
D
D
D
D
A
A
C
B
Not Applicable
5000019523
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019526
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019531
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019536
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019556
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000019557
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019558
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019560
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000019563
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019572
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019574
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000019591
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019592
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Not Applicable
5000019593
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000019597
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000019599
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000019602
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000019605
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019611
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019616
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019617
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019618
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019619
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019621
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019623
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019624
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019627
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019643
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019646
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019653
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019658
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000019659
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019666
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019672
Yes
XXXXXX
XXXXXX
C
C
C
C
C
A
A
A
C
C
C
C
C
A
A
A
Not Applicable
5000019673
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
B
B
C
B
Not Applicable
5000019674
Yes
XXXXXX
XXXXXX
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Not Applicable
5000019683
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
No
5000019688
Yes
XXXXXX
XXXXXX
C
A
A
A
B
A
C
A
C
A
A
A
B
A
C
A
Not Applicable
5000019691
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019694
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019703
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000019709
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019712
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000019720
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019722
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019726
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019734
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019738
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000019744
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019746
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019749
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000019750
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019751
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019753
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000019754
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019756
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019760
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019762
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019763
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019771
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019774
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019776
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019784
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000019790
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019795
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019800
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019805
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019807
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000019819
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019820
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000019823
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019824
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000019826
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019829
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000019834
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000019838
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019846
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000019848
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019856
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019857
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019858
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019875
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000019876
Yes
XXXXXX
XXXXXX
C
C
B
B
C
C
A
A
C
C
B
B
C
C
A
A
Not Applicable
5000019878
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000019884
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000019887
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019889
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Not Applicable
5000019902
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000019905
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019909
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019911
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019914
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019919
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019920
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019929
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000019930
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000019931
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019935
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019940
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019942
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000019951
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000019953
Yes
XXXXXX
XXXXXX
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000019957
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000019961
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019966
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019976
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000019977
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019979
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000019981
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019987
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019992
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019996
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000019998
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000019999
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020003
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020007
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020012
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020013
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020027
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020031
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020033
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020040
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020043
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020044
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020047
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020059
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020063
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020070
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020074
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020079
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020082
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020084
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
No
5000020086
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020090
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020092
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020106
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020119
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020120
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020124
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020133
Yes
XXXXXX
XXXXXX
D
B
D
B
A
A
A
A
D
B
D
B
A
A
A
A
No
5000020135
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020143
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020148
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020154
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020168
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000020169
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020174
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020179
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020181
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020183
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020185
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020186
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020193
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
C
B
C
C
C
C
A
A
C
B
Not Applicable
5000020199
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020202
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020203
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000020206
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020214
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020221
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020228
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020230
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020233
Yes
XXXXXX
XXXXXX
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Not Applicable
5000020238
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020246
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020247
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020248
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020260
Yes
XXXXXX
XXXXXX
C
C
C
C
C
A
A
A
C
C
C
C
C
B
A
A
Not Applicable
5000020261
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020262
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020266
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020268
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020270
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020271
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020272
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020277
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020280
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020289
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020301
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020306
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020309
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020311
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020312
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020315
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000020318
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020323
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020324
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020336
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020337
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020341
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020351
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000020357
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020361
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020365
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020393
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020400
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020404
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020412
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000020418
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020423
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020426
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020432
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020434
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020444
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020447
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020452
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020453
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000020456
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020459
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020461
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020462
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020463
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020472
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020484
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020486
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020488
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020492
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020493
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020502
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000020503
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020505
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020506
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000020511
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020516
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020532
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020534
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020540
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020545
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020552
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000020553
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020555
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020557
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020561
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020563
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020569
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000020570
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000020582
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020588
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020600
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020606
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020607
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020610
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020612
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020622
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000020626
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020645
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020649
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000020650
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000020652
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020659
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020663
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020666
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020669
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020673
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020675
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020680
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020684
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000020686
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020689
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000020690
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020696
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020697
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020704
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
No
5000020708
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020714
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020720
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020721
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020725
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020731
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000020732
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000020733
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020743
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020749
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020754
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020757
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020759
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020763
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020765
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020769
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000020776
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020780
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020781
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020794
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020804
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020806
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020822
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000020823
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020824
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020838
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020840
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020853
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020854
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020856
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020858
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020859
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000020860
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020872
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020877
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000020878
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000020879
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020882
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020887
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020891
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020892
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Not Applicable
5000020915
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000020918
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020923
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020928
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020932
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000020933
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020934
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000020936
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Yes
5000020948
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000020952
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020954
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020955
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020960
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020964
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020965
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000020967
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020969
Yes
XXXXXX
XXXXXX
C
B
C
A
A
A
C
B
C
B
C
A
A
A
C
B
Not Applicable
5000020973
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000020989
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021014
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021016
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021019
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000021023
Yes
XXXXXX
XXXXXX
D
A
D
A
C
A
A
A
D
A
D
A
C
A
A
A
No
5000021025
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021041
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021052
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021057
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021061
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
No
5000021062
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021063
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021067
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000021071
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021072
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021074
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021080
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021091
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021092
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021093
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021094
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021101
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000021104
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021108
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000021109
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021110
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021115
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021126
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021128
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021135
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021143
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021147
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000021148
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021151
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021152
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000021169
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021172
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021179
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021183
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021187
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021188
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021189
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021204
Yes
XXXXXX
XXXXXX
C
A
C
A
C
A
A
A
C
A
C
A
C
A
A
A
Not Applicable
5000021206
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021221
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021231
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000021233
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021253
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021258
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021261
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021263
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021266
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021269
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021273
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021279
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021292
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000021297
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021300
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021302
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021305
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000021312
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021317
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021323
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021349
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000021351
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Not Applicable
5000021362
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021366
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021368
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000021378
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021379
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021384
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021391
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021394
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021398
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021400
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021404
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021411
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021420
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
No
5000021423
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021439
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000021443
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021444
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021446
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021458
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000021460
Yes
XXXXXX
XXXXXX
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
No
5000021461
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021463
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021464
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021469
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021473
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021475
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021476
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000021479
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021480
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021481
Yes
XXXXXX
XXXXXX
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Not Applicable
5000021484
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021485
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021489
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000021490
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021491
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021492
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000021493
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021502
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000021509
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021514
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
No
5000021519
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000021537
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021541
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021542
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021543
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021547
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021549
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021552
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000021553
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021559
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000021571
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021574
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021577
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000021581
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021582
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021583
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021587
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021601
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021602
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021610
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
Not Applicable
5000021614
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000021622
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021633
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021636
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
No
5000021647
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021650
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000021657
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000021660
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021663
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021665
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021669
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021670
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021678
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Yes
5000021682
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021684
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021692
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021695
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021705
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021710
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021713
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000021716
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021720
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021735
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021741
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021744
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021745
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Yes
5000021753
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021767
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021776
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000021777
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Not Applicable
5000021785
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021791
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021801
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021804
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
Not Applicable
5000021805
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021806
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021807
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021810
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021813
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021818
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021827
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021832
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000021848
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021862
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021864
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021865
Yes
XXXXXX
XXXXXX
C
C
C
C
A
A
A
A
C
C
C
C
A
A
A
A
No
5000021869
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021872
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021887
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
No
5000021893
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021894
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021897
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021900
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021901
Yes
XXXXXX
XXXXXX
C
C
C
A
C
C
A
A
C
C
C
A
C
C
A
A
Not Applicable
5000021902
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021904
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021909
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000021913
Yes
XXXXXX
XXXXXX
B
B
A
A
B
B
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000021915
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021928
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021935
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000021938
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021942
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000021955
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000021959
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021961
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021967
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021979
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021982
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021988
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021989
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000021993
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000021998
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000022000
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022008
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022022
Yes
XXXXXX
XXXXXX
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Not Applicable
5000022029
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022043
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022046
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022052
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022062
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000022067
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000022074
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000022080
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022085
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022115
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022118
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000022127
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Not Applicable
5000022129
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000022133
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
C
B
C
C
A
A
C
C
C
B
Not Applicable
5000022144
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022170
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000022172
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022180
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022197
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022199
Yes
XXXXXX
XXXXXX
C
B
A
A
A
A
C
B
C
B
A
A
A
A
C
B
Not Applicable
5000022219
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022225
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022237
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022240
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022241
Yes
XXXXXX
XXXXXX
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Not Applicable
5000022259
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022265
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022280
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022295
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022327
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022333
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022357
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022362
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022365
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000022378
Yes
XXXXXX
XXXXXX
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Not Applicable
5000022394
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022415
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022417
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000022444
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable