EX-99.8 9 ef20026957_ex99-8.htm EXHIBIT 99.8
Exhibi 99.8

Client Name:
  
Client Project Name:
ACHM 2024-HE1
Start - End Dates:
7/19/2022 - 3/26/2024
Deal Loan Count:
823
   
Conditions Report 2.0
   
Loans in Report:
823
Loans with Conditions:
165

3 - Total Active Conditions
 
2 - Material Conditions
     
2 - Credit Review Scope
       
2 - Category: Income/Employment
 
1 - Non-Material Conditions
     
1 - Credit Review Scope
       
1 - Category: Income/Employment
147 - Total Satisfied Conditions
             
     
54 - Credit Review Scope
       
7 - Category: Application
       
11 - Category: Credit/Mtg History
       
4 - Category: DTI
       
16 - Category: Income/Employment
       
2 - Category: Insurance
       
1 - Category: Legal Documents
       
7 - Category: Terms/Guidelines
       
6 - Category: Title
     
86 - Property Valuations Review Scope
       
2 - Category: Appraisal
       
6 - Category: FEMA
       
2 - Category: Property
       
76 - Category: Value
     
7 - Compliance Review Scope
       
1 - Category: Documentation
       
1 - Category: Right of Rescission
       
1 - Category: Section 32
       
2 - Category: State Consumer Protection
       
1 - Category: State High Cost
       
1 - Category: Texas Home Equity
51 - Total Waived Conditions
             
     
7 - Credit Review Scope
       
1 - Category: Credit/Mtg History
       
4 - Category: Income/Employment
       
2 - Category: Title
     
31 - Property Valuations Review Scope
       
1 - Category: Property
       
30 - Category: Value
     
13 - Compliance Review Scope
       
13 - Category: County High Cost

©2024 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

Client Name:
  
Client Project Name:
ACHM 2024-HE1
Start - End Dates:
7/19/2022 - 3/26/2024
Deal Loan Count:
823
   
Conditions Report 2.0
   
Loans in Report:
823
Loans with Conditions:
165

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
5000015010
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
- xxx Comments:  Borrower has been in the same industry for 5 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 656 exceed guide lines.
 
5000016901
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
- xxx Comments:  35.04% DTI is below max allowable of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has 7 years at current residence
 
5000025685
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
Waived
B
B
B
B
CRDINC2496
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
No
Provide VVOE dated 10 business days prior to the Note date.  Loan did not close within 30 days of Application.  VVOE was performed on 5/19/23
7/14/2023 client acknowledged condition and requested waiver.
Condition waived.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  7.12%/55.88% LTV/CLTV
 
5000025685
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
Waived
D
D
D
D
CRDINC2408
Income verification does not meet guidelines
Yes
Provide most recent paystub.  Paystub in file is over 30 days prior to application
7/14/2023 client acknowledged condition and requested waiver.
Condition waived.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  7.12%/55.88% LTV/CLTV
 
5000026460
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
- xxx Comments:  LTV- 62.17%' Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 29+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 38.75%; Program max- 43%
 
5000026528
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
Hazard insurance dwelling coverage of $372,600 is insufficient to cover the 1st and 2nd mortgage balances.  A replacement cost estimate from the insurance provider is missing from the file.
8/28 client provided an Email; Upon review property is in Florida no RCE is available; policy indicates replacement cost coverage
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 7.92 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 7.08 years.
 
5000026581
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
- xxx Comments:  29.52% DTI
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  758 Credit Score
 
5000026595
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -11.16% variance.
BPO received value not supported variance -16.30%. 9/01/2023 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 21 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 17 years.
 
5000026621
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
- xxx Comments:  660 qualifying score
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  73.45% HCLTV, max is 80%
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 48 months
 
5000026636
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
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Provide post disaster inspection for XXX effective 9/4/2023.
(No Data)
9/12/2023 BPO received showing no damage. Condition satisfied.
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrower is saving $839.30/month
 
5000026636
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM received value not supported variance -26.42% BPO ordered9/07/2023 updated AVM does not support value with a -11.56% variance.9/08/2023 updated AVM does not support value with a -26.42% variance.9/12/2023 BPO received which did not support value with a -22.12% variance.
10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrower is saving $839.30/month
 
5000026662
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
- xxx Comments:  Borrowers have been owning and living in the residence>32 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV   49.48% below guideline requirements
 
5000026734
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 is not supported by updated AVM with a -10.47% variance. 8/30/2023 BPO received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 32 years on current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has 23 years at current residence
 
5000026794
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
- xxx Comments:  Fico score 711 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 23 years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 13 years.
 
5000026809
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Credit
Credit/Mtg History
Satisfied
C
A
C
A
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
No
1003 declarations reflect B2 as non occupant co-borrower. Provide updated 1003 with address of occupancy, and provide documentation of debt to go that residence. May be subject to additional conditions upon review.
9.8.2023 Client provided updated 1003 showing B2 as occupying, in addition file have copy of B2 license with subject address and income documentation in file for B2 reflects subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  44.14% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  672 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  29 + years at residence
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  At job since XXX
 
5000026809
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
AVM received value not supported variance -29.38%. BPO ordered.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  44.14% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  672 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  29 + years at residence
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  At job since XXX
 
5000026844
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 29 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  32.92% DTI
 
5000026869
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 is not supported by updated AVM with a -15.53% variance. 8/30/2023 BPO received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 751 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 20 years.
 
5000026896
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 is not supported by updated AVM with a -12.51% variance.9/07/2023 AVM received which did support original AVM
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has 27 years in current residence
 
5000026897
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
- xxx Comments:  DTI AT 29.53% below guideline requirement OF 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV AT 72% below guideline requirements OF 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 16.5 years
 
5000026908
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
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 10.5 years
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession of 11 years for B1
 
5000026913
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
- xxx Comments:  Borrower has significant time at current job 19 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 19 years.
 
5000026924
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
- xxx Comments:  Significant time at current residence 2.67 years
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Significant total monthly debt reduction
 
5000026934
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000026935
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
- xxx Comments:  DTI of 35.28% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.17 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 19.17 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 29 months exceeds guidelines of 12 months
 
5000026958
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
- xxx Comments:  LTV- 55.65%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 10+ years at current residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 6+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 33.13%; Program max- 43%
 
5000026988
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
- xxx Comments:  DTI at 33.97% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 35 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 20.58 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 32.42 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 52% below guideline requirements of 80%
 
5000027001
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
A second mortgage to XXX has been paid in full and the release is in the file but not released/cleared as per the title report.
9.8.2023 Client provided copy of cancellation of security deed
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 34.60% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 16.25 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 18.92 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 30 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 32.03% below guideline requirement of 43%
 
5000027040
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
- xxx Comments:  DTI 28.14% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 718 exceeds guidelines
 
5000027042
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has 22 years on current job
 
5000027049
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
- xxx Comments:  B1 has worked 13+ years at current job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked 5+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 34.55%; Program max- 43%
 
5000027060
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 is not supported by updated AVM with a -11.13% variance.9/19/2023 updated AVM received which supported original AVM value.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 20 years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 10 years.
 
5000027064
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
- xxx Comments:  Significant time at current residence 3 years 5 months.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  29 months 0 x 30 mortgage payment history.
 
5000027081
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
- xxx Comments:  Borrower has 8 years at current job
 
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
5000027100
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -14.90% variance.
BPO received value not supported variance -23.42%. 9/01/2023 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 32.53% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job #1 of 12.25 years and job #2 of 12 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 34 months exceeds guidelines of 12 months
 
5000027109
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM value $1,111,558.  Update valuation $868,000.  Not within 10% variance9/07/2023 AVM received which did not support original AVM with a -11.99% variance.9/08/2023 updated AVM does not support value with a -21.82% variance.9/12/2023 BPO received which did not support value with a -29.38% variance.
10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 21 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  17.26% DTI
 
5000027165
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has 13 years on current job
 
5000027167
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
- xxx Comments:  DTI at 37.91% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 73% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6 years
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job of 7.58 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 48 months exceeds guidelines of 12 months
 
5000027169
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
- xxx Comments:  53.29 HCLTV
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  27.08 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  22 + years at residence
 
5000027174
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Credit
Income/Employment
Satisfied
B
A
B
A
CRDINC2496
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
No
1003, paystub, XXX Fraud Manager and yellow page listing reflect: XXXWVOE reflects: XXX as employer. These are the same address, but missing documentation that they are the same business.
8.25.2023 Client provided documentation one of same employer
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  661 qualifying score
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  34.53% qualifying DTI
 
CFCFS1736: Significant time at current residence
- xxx Comments:  9.25 years at residence
 
5000027176
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
- xxx Comments:  Mortgage payment history of 36 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 7.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 10.33 years
 
5000027201
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
- xxx Comments:  Significant time at current residence of 13.17 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 17.92 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 95 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
5000027208
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
- xxx Comments:  B1 has worked 20+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 12+ years at current residence
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 700; Program min- 670
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000027217
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 13 years on current job
 
5000027221
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
- xxx Comments:  15.07%/49.37% LTV/CLTV
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  28.45% DTI
 
5000027223
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
- xxx Comments:  59.29% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  721 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 6 years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for > 48 months
 
5000027235
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
- xxx Comments:  Borrower has owned the subject property for 7.83 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 600.
 
5000027238
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
- xxx Comments:  Credit score of 662 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 30.09% is below the maximum DTI.
 
5000027244
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
- xxx Comments:  Fico score 734 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 26 years at current job.
 
5000027249
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
- xxx Comments:  B1 has lived 25+ years at current residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 7+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 28.14%; Program max- 43%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 726; Program min- 670
 
5000027262
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
- xxx Comments:  Borrower has owned the subject property for 6.83 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 5.08 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 30% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO is 50 points above guideline minimum.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000027265
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
- xxx Comments:  DTI 31.53% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 62.59% below guideline requirements
 
5000027271
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
Waived
B
B
B
B
CRDCRMH193
Length of mortgage/rental history in file does not meet guideline requirement
No
Provide updated VOM from 5/23 - 8/23.May be subject to additional conditions upon review.
8/28 Client provided a credit supplement indicating the 7/2023 mortgage payment was 30 days late; GLs require 0x30 mortgage lates in the last 12 months. 8/28/2023 client provided an approved exception.
Condition waived.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  HCLTV 59.94%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  651 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  21 + years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  13 + years at residence
 
5000027276
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
- xxx Comments:  Fico score 709 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 15 years at current job.
 
5000027299
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 is not supported by updated AVM with a -11.31% variance.9/19/2023 updated AVM received which supported original AVM value.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 13.5 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 70 points above guideline minimum of 600.
 
5000027332
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
- xxx Comments:  Significant time at current residence 23.42 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 10.5 years.
 
5000027334
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
- xxx Comments:  LTV- 72.34%; Program max- 80%
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked 8+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 722; Program min- 600
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.23%; Program max- 43%
 
5000027340
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 is not supported by updated AVM with a -13.73% variance.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  37.82% DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 28 months of 0x30 on current mortgage
 
5000027351
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Compliance
Section 32
Satisfied
C
A
C
A
CMPS32371
Section 32 Loan per Points and Fees Test
No
Adjusted Charges total $1,858.84 (5.987%). Maximum allowed charges total $1,552.50 (5.000%). Charges exceed max by $306.34.
09/20/23 Client provided an Email from the Title Co. explaining the fee breakdown between the $470 Lender Management Fee and $80 Attorney (Settlement) Closing Fee. Condition has been escalated to internal Compliance counsel for further review.09/21/23 Upon review by internal Compliance counsel, the $470 has been re-tested as the Title Settlement Closing Fee.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
5000027351
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
CMPSTHC343
GA High-Cost Loan by exceeding point and fee threshold
No
Adjusted Charges total $1,858.84 (5.987%). Maximum allowed charges total $1,552.50 (5.000%). Charges exceed max by $306.34.
09/20/23 Client provided an Email from the Title Co. explaining the fee breakdown between the $470 Lender Management Fee and $80 Attorney (Settlement) Closing Fee. Condition has been escalated to internal Compliance counsel for further review.09/21/23 Upon review by internal Compliance counsel, the $470 has been re-tested as the Title Settlement Closing Fee.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
5000027357
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
- xxx Comments:  656 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 24 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  9.67 years at residence
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  7 years + at current job
 
5000027369
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
- xxx Comments:  Borrower has significant time at current job 2 years
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  35 0 x 30 mortgage payment history
 
5000027371
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 33 months of 0x30 on current mortgage
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  18.93%/69.79% LTV/CLTV
 
5000027372
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000027378
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
Mortgage statement in file due for 8/1/23 reflects 795.46 PITI. Used to qualify.CBR supplement reflecting due for 9/1/23 payment reflects 844.00 payment, is used, exceeds 43%Provide supporting documentation for use of 795.46 from 8/1/23 vs higher 9/1/23 payment. Subject to DTI recalc and may be subject to additional conditions upon review
9.8.2023 Client provided LOX stating: PITIa already supported by documentation in file. P&I per mortgage statement is 562.71 Taxes per title are $186.92 Insurance is $67.75 per HOI dec page. HOA of $17.50 supported from Homeowners Association Docs in file. Use of this PITIa (834.88) puts DTI at 42.99% which is within guidelines. Income supported by VOI at $7064.09 HELOC payment is $1467.91 Only debt not paid at closing is XXX for $734 per month. Total of all liabilities = $3036.79 DTI = 3036.79/7064.09 = 42.99%.  Response,
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  671 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  21 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  At job since XXX
 
5000027381
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
- xxx Comments:  Mortgage payment history of 25 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 4.5 years
 
5000027383
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
- xxx Comments:  Fico score 654 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 28.15 is below lender's guide line maximum of 43%.
 
5000027388
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000027389
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 is not supported by updated AVM with a -15.34% variance. 8/30/2023 BPO received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV- 32%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 811; Program min- 670
 
5000027399
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
- xxx Comments:  679 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 60 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 36 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 25 years at residence
 
5000027402
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 47 months 0x30 on current mortgage
 
5000027405
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
- xxx Comments:  Fico score 726 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 38.87% is below lender's guide lines maximum.
 
5000027411
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
- xxx Comments:  720 qualifying score
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  28.37% qualifying DTI
 
CFCFS1736: Significant time at current residence
- xxx Comments:  20 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  7.83 years at job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  13.17 years at job
 
5000027416
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
- xxx Comments:  Borrowers have owned the subject property for 8 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 6.83 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 40%.
 
5000027418
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
- xxx Comments:  Significant time at current residence of 9.92 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 15 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 27.26% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 61% below guideline requirements of 80%
 
5000027424
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
- xxx Comments:  Qual score- 706; Program min- 600
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 25 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 24.22%; Program max- 43%
 
5000027428
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
- xxx Comments:  Fico score 655 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 17 years at current job.
 
5000027429
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
Lender used income from 3 jobs for the co-borrower to qualify; however, 3rd employer is missing from the Employment Information section of the loan application.  File is missing corrected loan application showing all 3 employers listed.
8/28 Client provided a corrected 1003 with 3 employers
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 9.08 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 5.08 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 20% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 150 points above guideline minimum of 600.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000027430
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
- xxx Comments:  712 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for > 48 months
 
5000027432
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
- xxx Comments:  CLTV 66%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying credit score of 681
 
5000027436
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 37 months of 0x30 on current mortgage
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in the same profession for 19 years
 
5000027440
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
- xxx Comments:  Significant time at current residence of 6.83 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 18.5 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 28 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 37.82% below guideline requirement of 43%
 
5000027443
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
- xxx Comments:  Significant time in profession of 7 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 35 months exceeds guidelines of 12 months
 
5000027444
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
- xxx Comments:  Credit score of 658 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 21 years of time at current job.
 
5000027452
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
9/1/23 Updated AVM value: 531,000 8/1/23 AVM value: 663,005 -19.98% variance exceeds requirements. Value not supported. 9/07/2023 AVM received which did not support original AVM with a -12.78% variance.9/08/2023 updated AVM does not support value with a -19.91% variance.9/12/2023 BPO received which supported value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  636 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 24 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  11.5 years at residence
 
5000027456
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
- xxx Comments:  0x30 for 59 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 30.82%; Program max- 43%
 
5000027482
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -16.89% variance.9/07/2023 AVM received which did not support original AVM with a -12.36% variance.9/08/2023 updated AVM does not support value with a -16.89% variance.9/12/2023 BPO received does not support value with a -21.93% variance.
10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  70.15% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6.25 years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  18.42 years at current job
 
5000027512
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
- xxx Comments:  Borrower has been with current employer for 10.33 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 10.17 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 43%.
 
5000027514
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
- xxx Comments:  Credit score 699 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 39.24% below guideline requirement
 
5000027522
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
- xxx Comments:  37.22% DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
5000027606
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
- xxx Comments:  CLTV- 65.60%; Program max- 80.00%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 8+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 24.52%; Program max- 43%
 
5000027608
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
Provide Inspection for XXX  Declaration 8/31/23.  Effective 9/4/23
9/22 Client provided a post disaster inspection dated 9/21/23 showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  30.22% DTI
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with the same employer for over 6 years
 
5000027673
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
Per borrower LOE, he owns XXX REO, which is just acreage. Property taxes were taken from Fraud report for DTI.Provide 1003 reflecting this REO and debt associated it.Subject to DTI recalc and may be subject to additional conditions upon review.
10.4.2023 Client provided updated 1003 with adding Armstrong to REO with monthly taxes
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  663 qualifying score
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  63.43% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  16 + years at residence
 
5000027673
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
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
Subject Note date XXX.8/1/23 first mortgage statement shows 1 payment past due and 1 payment due. Credit report through 6/23 only. Provide updated VOM/pay history from 6/1/23 - 9/1/23. May be subject to additional conditions upon review.
10/4 Client provided a credit supplement 10/4/23 showing no lates through 10/23 on XXX
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  663 qualifying score
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  63.43% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  16 + years at residence
 
5000027725
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
- xxx Comments:  DTI at 32.30% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 53 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.92 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 7.58 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 70% below guideline requirements of 80%
 
5000027735
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
- xxx Comments:  Fico score 679 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 24 years at current job.
 
5000027746
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 99 months of 0x30 on current mortgage
 
5000027758
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
- xxx Comments:  11.75%/65.52% LTV/CLTV
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.93% DTI
 
5000027762
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
- xxx Comments:  Significant time at current residence 18 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 22 years.
 
5000027786
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
- xxx Comments:  DTI of 39.12% is below the maximum DTI.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 9 years of significant time at current job.
 
5000027789
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
- xxx Comments:  Significant time at current residence 4 years 4 months.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  16 months 0 x 30
 
5000027799
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
- xxx Comments:  DTI 29.84% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV  67.83% below guideline requirements
 
5000027810
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
- xxx Comments:  638 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6 + years at residence
 
CFCFS2854: Significant time in profession
- xxx Comments:  B2: 15 years same line of work
 
5000027824
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
- xxx Comments:  60.96% HCLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 34 months
 
5000027831
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
- xxx Comments:  DTI at 32.44% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 4.58 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 33 months exceeds guidelines of 12 months
 
5000027832
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
B
A
B
A
PRVAFEMA856
Natural Disaster Area, no subsequent inspection (Public)
No
Provide post disaster inspection for XXX effective 9/04/2023.
9.13.2023 Client provided exterior disaster inspection dated 9.12.2023 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 686 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for almost 24 years.
 
5000027832
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 dated 9/1/23 estimated value of $331,000 with original estimated value of $397,546. Value not supported.9/07/2023 AVM received which did support original AVM.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 686 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for almost 24 years.
 
5000027839
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
- xxx Comments:  Mortgage payment history of 44 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 5.08 years
 
5000027854
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
- xxx Comments:  DTI at 30.43% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 68% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 20 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 5.92 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 17.25 years
 
5000027855
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
- xxx Comments:  Significant time at current residence 15 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 15 years.
 
5000027859
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
- xxx Comments:  Significant time at current residence of 14.5 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 35 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 62% below guideline requirements of 80%
 
5000027864
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
- xxx Comments:  CLTV 56.28 is below lender's guide line maximum.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 666 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 32.59 is below lender's guide line maximum of 43%.
 
5000027871
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
- xxx Comments:  Borrower has significant time at current job 29 years
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 29 years
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 3 years.
 
5000027872
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
Waived
D
D
D
D
CRDINC3204
Income Documentation Missing
Yes
Missing proof of receipt of child support payments for $2,500 per month for a minimum most recent three month period. (IE canceled checks, or bank statement showing deposit of funds from who the deposit is received from).
9/19 Client provided 1 monthly statement showing a mobile deposit for $3000.00 from unknown source; condition remains for 3 months banks statements with identifiable source information, deposits should match $2500.00 per month child support 9.21.2023 Client provided LOX stating: As an additional note - divorce decree calls out $2500 a month for alimony, not child support. Checks uploaded support payments for alimony.  Response, Client provided 3 checks evidence of monthly $3k child support/alimony (for June, July and August 2023) however (1). checks don't appear to be cancelled checks, only supports deposit of these 3 checks, and (2). appears the checks were faxed in on 9.19.2023 (which is after subject closing Note date August 2023) and (3). June and July deposit reflects on same date of 6.22.2023 Condition remains 9.21.2023 Client provided the following LOX stating: Final document on file uploaded showing the July deposit of $3000 on 7/17/23. Deposit date of 6/22/23 is in relation to check 1596 per the snip on that item. Check 1596 is the check dated 6/1/23. $3000 deposit on bank statement on 7/17/23 ties in to alimony check dated 7/13/23. August statement shows that 8/14/23 check deposited 8/14/23. Comment is true that checks were sent over on 9/19/23 which is after note date. Please advise if documentation is sufficient for satisfaction of exception or if date checks sent over (being after note date) impacts clearance of the exception. Response, Client provided United Bank statement for July and August verifying Mobile deposit of $3,000 for each check received from Ex Spouse, please also provide the June 2023 statement to support the $3,000 deposit along with Client Letterhead stating these 3 months (June, July and August 2023) bank statements w/United Bank was in underwriting file prior to closing to support monthly $3,000 Alimony receipt of income.  Bank statements will be sufficient along with LOX and the post close checks. 9/22/2023 client provided an approved exception for missing income documentation.
Condition waived.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 636 exceeds guide lines.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in the same profession for 10 years.
 
5000027884
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
Provide copy of the canceled listing contract as required per guidelines
9.8.2023 Client provided LOX stating: Exterior inspection does not indicate property is for sale. Guideline 4.5.1.2 Property Listed for Sale indicates property cannot currently be listed for sale. XXX  indicates property is not for sale and listing removed in May. Declarations indicate intent to occupy as primary residence. Loan is in line with guidelines.
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  34.22% DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgage
 
5000027885
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
- xxx Comments:  DTI of 23.46% is below the maximum DTI
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 734 exceeds the minimum score.
 
5000027887
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
- xxx Comments:  41 months 0x30 exceeds 24 month requirement.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 3.5 years.
 
5000027890
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
5000027893
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
- xxx Comments:  DTI 30.75% below guideline requirement
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living and owning the residence for 21 years.
 
5000027907
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
- xxx Comments:  LTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 600.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000027950
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
- xxx Comments:  Borrowers have been owning and living in the residence >7 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 647 exceeds guidelines
 
5000027954
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 dated 9/1/23 for estimated value $276,000 with original AVM for estimated value $321,397 dated 8/10/23.9/07/2023 AVM received which did support original AVM.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 666 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 22 years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 18 years.
 
5000027958
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
- xxx Comments:  DTI 29.84%  below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 40.70% below guideline requirements
 
5000027960
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
- xxx Comments:  Credit score of 662 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 27.07% is below the maximum DTI.
 
5000027962
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
- xxx Comments:  Mortgage payment history of 37 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 35.51% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 71% below guideline requirements of 80%
 
5000027963
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
- xxx Comments:  Significant time at current residence of 5.92 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 4.92 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 26.86% below guideline requirement of 43%
 
5000027965
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 is not supported by updated AVM with a -11.12% variance.9/19/2023 updated AVM received which supported original AVM value.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 10 years on current job
 
5000027979
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
- xxx Comments:  715 qualifying score
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  73.33% HCLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 57 months
 
5000027980
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
- xxx Comments:  DTI 39.22% below guideline requirement
 
CFCFS2854: Significant time in profession
- xxx Comments:  B2 has been in profession >27 years.
 
5000027982
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
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 30.83% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 5.08 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 32 months exceeds guidelines of 12 months
 
5000027983
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 55 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.31% DTI
 
5000027986
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 38 months of 0x30 on current mortgage
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co Borrower has been with the same employer for over 11 years
 
5000027994
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
- xxx Comments:  Borrower has significant time at current job 5.92 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 11.58 years.
 
5000027997
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
- xxx Comments:  Significant time at current residence 7 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 4 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 4 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  49 months 0 x 30 Positive mortgage payment history
 
5000028000
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
- xxx Comments:  Mortgage payment history of 28 months exceeds guidelines of 12 months
 
CFCFS2860: Good credit history
- xxx Comments:  15 trade lines and 0/30 99 months reviewed.
 
5000028003
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
10/02/2023 updated AVM received which does not support original AVM value with a -13.56%.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
(No Data)
5000028009
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)
5000028012
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
- xxx Comments:  LTV- 75%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 777; Program min- 640
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000028016
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
- xxx Comments:  Borrower has 21 years on current job
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000028025
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
- xxx Comments:  LTV- 16.18%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 735; Program min- 640
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 35.93%; Program max- 43%
 
5000028030
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
- xxx Comments:  Mortgage payment history of 26 months exceeds guidelines of 12 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 11.67 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 72% below guideline requirements of 80%
 
5000028031
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
- xxx Comments:  Fico score 701 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for almost 6 years.
 
5000028040
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
Provide post disaster inspection: Declaration: 8/31/2023 Effective: 9/4/2023 Public Hurricane; XXX
9.21.2023 Client provided exterior disaster inspection dated 9.20.2023 with no damage along with exterior photos
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 6.5 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 3 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 9 years.
 
5000028043
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
- xxx Comments:  32.51% DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
5000028044
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
- xxx Comments:  Significant time at current residence 8 years.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  62 months 0 x 30 exceeds requirement.
 
5000028047
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
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 33+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 35.71%; Program max- 43%
 
5000028059
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
- xxx Comments:  LTV at 62% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 77 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 18.17 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 27.42 years
 
5000028085
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
- xxx Comments:  712 qualifying scores
 
CFCFS1746: Significant housing expense reduction
- xxx Comments:  0 x 30 > 24 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  11 years at job
 
5000028088
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
- xxx Comments:  Credit score 684 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 42.27%  below guideline requirements
 
5000028092
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000028102
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
- xxx Comments:  CLTV- 75%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 9+ years at current job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 30 months
 
5000028122
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
- xxx Comments:  Credit score of 641 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 34.56% is below the maximum DTI.
 
5000028125
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
- xxx Comments:  CLTV 74.94% below guideline requirements
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been owning and living in the residence > 33 years.
 
5000028132
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
- xxx Comments:  Borrower has stable employment with 21 years at current job.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 22.35% is below lender's guide lines maximum.
 
5000028136
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
- xxx Comments:  Borrower is saving $1,024.96/month
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for over 13 years
 
5000028138
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
- xxx Comments:  Fico score 697 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 35.74 is below lender's guide line maximum of 43%.
 
5000028143
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
- xxx Comments:  Significant time at current residence 4 years.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  27 months 0x30 exceeds 24 months.
 
5000028149
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
Missing post disaster inspection: Declaration: 8/31/2023 Effective: 9/4/2023 Public & Individual Hurricane; XXX
9/25 Client provided the PDI showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 6.83 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 2.75 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  79 months 0 x 30
 
5000028152
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
- xxx Comments:  Fico score 693 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 5 years at current job.
 
5000028153
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
- xxx Comments:  Significant time at current residence 6 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 15 years.
 
5000028154
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
- xxx Comments:  Credit score of 705 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 38.49% is below the maximum DTI.
 
5000028160
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
- xxx Comments:  DTI 37.66% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 57.56% below guideline requirements
 
5000028162
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
- xxx Comments:  Fico score 662 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 19 years at current job.
 
5000028192
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
- xxx Comments:  Significant time at current residence 4 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 13 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  49 months 0 x 30
 
5000028206
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
- xxx Comments:  Fico score 669 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 33 years.
 
5000028217
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM value not supported -24.84% variance9/19/2023 updated AVM received which did not support the original AVM value with a -17.69% variance.9/20/2023 updated AVM received which did not support the original AVM value with a -24.84% variance.9/27/2023 BPO received which did not support the original AVM with a -16.25% variance.
10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 6.58 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
5000028221
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
- xxx Comments:  Credit score of 626 exceeds the minimum score.
 
5000028242
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
- xxx Comments:  CLTV- 52.64%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 15+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 739; Program min- 600
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 27 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 35.29%; Program max- 43%
 
5000028243
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 is not supported by updated AVM with a -10.28% variance.9/19/2023 updated AVM received which supported original AVM value.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
5000028245
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
- xxx Comments:  Credit score of 651 exceeds the minimum score
 
5000028260
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
- xxx Comments:  Borrower has stable employment with 7 years at current job.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 49.20% is below lender's guide line maximum.
 
5000028261
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
- xxx Comments:  B1 has lived 15+ years at current residence
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 58.62%; Program max- 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.63%; Program max- 43.00%
 
5000028268
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
- xxx Comments:  DTI 32.82% below guideline requirement
 
CFCFS2854: Significant time in profession
- xxx Comments:  B2 has been in profession for 8 years.
 
5000028270
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
- xxx Comments:  DTI 25.97% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 68.09% below guideline requirements
 
5000028276
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
- xxx Comments:  Significant time at current residence 17 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 17 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  29 months 0 x 30
 
5000028279
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
- xxx Comments:  CLTV- 39.14%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 18+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 25+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 25.50%; Program max- 43%
 
5000028282
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
Missing post disaster inspection: Declaration: 8/31/2023 Effective: 9/4/2023 Public; XXX
10/6 Client provided a PDI showing no damage to the subject property
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 9 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 16 years
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 16 years
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  43 months 0 x 30
 
5000028286
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
- xxx Comments:  Significant time at current residence 3.92 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  44 months 0 x 30
 
5000028295
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 is not supported by updated AVM with a -14.66% variance.9/19/2023 updated AVM received which supported original AVM value.
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  704 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  24 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8 + years at job
 
5000028300
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
- xxx Comments:  Borrower has stable employment for 22 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 642 exceeds guide lines.
 
5000028311
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
- xxx Comments:  Significant time at current residence 5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 4 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  32 months 0 x 30
 
5000028314
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 value not supported variance -16.12%9/19/2023 updated AVM received which did not support the  original AVM value with a -10.34% variance.9/20/2023 updated AVM received which did not support the original AVM value with a -16.12% variance.
BPO received value supported.
Exception Satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  679 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 24 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8 years at job
 
5000028330
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
- xxx Comments:  Borrower is saving $470.72/month
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  31.37% DTI
 
5000028334
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
- xxx Comments:  Credit score of 688 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 27.37% is below the maximum DTI.
 
5000028336
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
- xxx Comments:  CLTV- 59.01%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 33.80%; Program max- 43%
 
5000028342
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 is not supported by updated AVM. Variance is (-11.29%).10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 647 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 23 years of time at current job.
 
5000028346
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
- xxx Comments:  LTV- 73%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 11+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 31.36%; Program max- 43%
 
5000028353
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
- xxx Comments:  Co-borrower has 23 years on current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have 20 years at current residence
 
5000028373
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
Variance is -11.9709 therefore 10% variance has been exceeded.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 4 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 19 years.
 
5000028380
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
- xxx Comments:  Fico score 660 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 29.30 is below lender's guide lines maximum 43%.
 
5000028384
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
- xxx Comments:  660 qualifying score
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0 x 30 for 17 months, since reporting
 
5000028387
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
- xxx Comments:  Fico score 677 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 17 years at current job.
 
5000028401
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
XXX County violation: Adjusted Charges total $2,125.37 (5.292%). Maximum allowed charges total $2,008.04 (5.000%). Charges exceed max by $117.33.
09/21/23 Client requested review of the XXX County High Cost. Per internal review, the exception remains. The XXX County ordinance calculation is Total Loan Amount: OPB - Total Loan Amount Charges. Please provide documentation to support the validity of the alternate calculation by the Client for further review.09/26/23 Client requested the citation of the County ordinance for review. Condition remains. The XXX County ordinance information has been sent via Email to the Client.10/02/2023 Client requested ordinance be reviewed.  Per Internal Compliance, It is part of a standard scope.  Some purchasing entities look at this as material just because it is a high cost law. It can be waived for a B grade.2/13/2024 - Client accepts exception
Final grade B
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV- 74.93%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 34 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.48%; Program max- 43%
 
5000028433
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  The total DTI is 32%
 
5000028447
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
- xxx Comments:  Significant time at current residence of 7.33 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 24 months exceeds guidelines of 12 months
 
5000028457
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 of 193047.00 not supported with AVM of 160,000 from CA Value AVM10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 649 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 23.17% is below the maximum DTI.
 
5000028460
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
- xxx Comments:  Significant time at current residence 5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 7 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  69 months 0 x 30
 
5000028463
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
- xxx Comments:  Significant time at current residence 34 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  51 months 0 x 30
 
5000028472
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
- xxx Comments:  DTI of 32.05% is below the maximum DTI.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  credit score of 649 exceeds the minimum score.
 
5000028478
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 28 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  29.22% DTI
 
5000028482
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 -15.92%.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 17+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has worked 16+ years at current residence
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 67.74%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 23.23%; Program max- 43%
 
5000028485
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
- xxx Comments:  DTI of 32.89% is below the maximum DTI.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 697 exceeds the minimum score.
 
5000028489
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 -23.96%.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 10+ years at current job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 34.11%; Program max- 43%
 
5000028490
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
- xxx Comments:  Qual score- 700; Program min- 600
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 36.80%; Program max- 43%
 
5000028497
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
- xxx Comments:  Credit score of 752 exceeds the minimum score.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 16.40%/CLTV of 60.67% is below the maximum LTV/CLTV
 
5000028505
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
- xxx Comments:  CLTV- 72.91%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 17+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 7+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 34.56%; Program max- 43%
 
5000028513
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 dated 9/29/23 with value $338,000, and original AVM $376,932 dated 8/30/23.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 641 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 32.09 is below lender's guide lines maximum of 43%.
 
5000028514
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
- xxx Comments:  Credit score of 693 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 32.08% is below the maximum DTI
 
5000028523
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 79 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  39.21% DTI
 
5000028527
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
- xxx Comments:  Credit score of 661 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 13 years of time at current job.
 
5000028532
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
- xxx Comments:  642 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  8 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8 + years at job
 
5000028536
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
Approved variance of 10%, current is -22.7221, in addition approved AVM acceptable FSD 18, current is 31, exceeded.10/02/2023 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 21 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 4 years
 
5000028542
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 -17.78%.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 65%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 780; Program min- 600
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 29.69%; Program max- 43%
 
5000028544
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 dated 8/30/23 for value $492,816 with most recent AVM value of $261,000. AVM dated 10.2 variance -24.60%10/02/2023 updated AVM received which did not support the original AVM with a -24.57% variance.10/04/2023 updated AVM received which did not support the original AVM with a -47.04% variance.
BPO received value supported.
Exception Satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 696 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 15 years at current job.
 
5000028550
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
- xxx Comments:  Significant time at current residence 3 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 5 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  40 months 0 x 30
 
5000028551
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
- xxx Comments:  DTI 31.30% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 68.10%  below guideline requirements
 
5000028582
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
- xxx Comments:  Significant time at current residence 5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 11 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 11 years.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  58 months 0 x 30 exceeds guidelines.
 
5000028590
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
- xxx Comments:  CLTV- 65.40%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 8+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.28%; Program max- 43%
 
5000028591
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
 AVM value 181,633  not supported by a third party valuation 151,000; variance -16.87%  exceeds threshold of maximum 10.00%.10/02/2023 original AVM value is not supported by updated AVM with a -14.18% variance.10/04/2023 updated AVM received which did not support the original AVM with a -16.87% variance.
BPO received value not supported, variance -11.91%10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 38.60% below guideline requirement
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have been owning and living in the residence >28 years.
 
5000028594
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
- xxx Comments:  Borrower has significant time at current job 6 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  29 months 0 x 30
 
5000028595
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
- xxx Comments:  Borrower has over 9 years on current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 670 exceeds the minimum score.
 
5000028616
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
- xxx Comments:  Fico score 718 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 15 years at current job.
 
5000028620
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 54 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  29.65% DTI
 
5000028627
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
- xxx Comments:  Credit score of 707 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 35.03% is below the maximum DTI.
 
5000028632
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
- xxx Comments:  Credit score of 654 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 21 years at current job.
 
5000028634
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
- xxx Comments:  679 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 60 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 10 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 11 years at residence
 
5000028637
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
A
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM does not support original AVM value with a variance of -20.82%. AVM received value supported variance -9.60%
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 75%; Program max- 80%
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 34+ months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000028647
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
- xxx Comments:  716 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 77 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  14 + years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  11 + years at residence
 
5000028650
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
Appraised value $504,258 not supported by AVM, variance is -19.8823 exceeding approved variance of 10%. In addition, AVM FSD 25, exceeding approved 18.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 11 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 14 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 14 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  32 months 0 x 30 Positive mortgage payment history
 
5000028652
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
1st AVM did not support OA within 10%. 2nd AVM ordered. AVM CC value not supported variance -23.24%.11/01/2023 updated AVM received which did not support original AVM with a -19.05% variance.11/7/2023 BPO received which did not support original AVM with a -28.36% variance.
11/10/2023 acknowledged exception and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 719 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 25.20% below guideline requirement.
 
5000028655
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
- xxx Comments:  Fico score 641 exceeds guide lines.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Positive mortgage payment history for 44 months.
 
5000028656
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
- xxx Comments:  Fico score 668 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 60.31% is below lender's guide line maximum of 80%.
 
5000028664
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
C
B
A
A
C
B
A
A
C
B
A
A
Property Valuations
Property
Waived
C
B
C
B
PRVAPROP241
Property Type unacceptable under guidelines
No
Per title and borrower LOE, subject is as condo. Condos are ineligible per guidelines.
11.1.2023 Client provided LOX stating Please see email and updated title commitment from XXX. XXX had advised that property was a SFR and provided updated commitment. These had just not been uploaded to the file. Documents attached here and are now in Document Manager in XXX as well.  Response, Client provided email dated prior to closing from title company verifying Use:  Single Family not Condo however Legal description still reflects as XXX as set forth in the current master deed of XXX as recorded on XXX.  Condition remains, Title company email says Single Family however Legal Exhibit A reflects subject as XXX. Further clarification is needed. 2.14.2024 Lender provided exception approval for missing further clarification on subject being Condo and if found to be Condo would be ineligible per guidelines
Exception approved
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 31 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  655 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  12 + years at job
 
5000028674
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
Approved AVM variance 10%, current -17.6723, exceeded.
Clear Cap AVM received value supported
Exception Satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 7 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 17 years.
 
5000028677
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 -12.28%.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 75%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 8+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.06%; Program max- 43%
 
5000028679
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
- xxx Comments:  CLTV- 70.72%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 18+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 15+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 32.83%; Program max- 43%
 
5000028680
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with same employer for over 6 years
 
5000028684
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
- xxx Comments:  CLTV- 52.76%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 19+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 13+ years at current residence
 
5000028685
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  705 Credit Score
 
5000028686
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
- xxx Comments:  Fico 659 exceeds guide lines.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has stable employment for 17 years at current job.
 
5000028703
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
- xxx Comments:  677 qualifying score
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  55.38% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7 + years at residence
 
5000028715
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
- xxx Comments:  Credit score of 751 exceeds the minimum score.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has 6 years of time at current residence.
 
5000028716
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 -23.91%.10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 59.49%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 30+ months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 7+ years at current job
 
5000028722
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
- xxx Comments:  Fico score 636 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 26.20 is below lender's guide line maximum of 43%.
 
5000028723
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
- xxx Comments:  Credit score 668 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 34.77% below guideline requirement
 
5000028725
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
- xxx Comments:  689 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  55.29% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  22 years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  23.08 years at job
 
5000028733
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
- xxx Comments:  B1 has worked 17+ years at current job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked 10+ years at current job
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 65%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 709; Program min- 670
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 33.98; Program max- 43%
 
5000028736
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 $164,000.  Value to close $260,349.  Combined 1st and 2nd balance $208,281.71.  LTV/CLTV over 100% using Updated Valuation10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 30 months of 0x30 on current mortgage
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been on the same job over 7 years
 
5000028739
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
- xxx Comments:  Fico score 677 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 26 years at current job.
 
5000028742
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
- xxx Comments:  Significant time at current residence 5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 7 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 7 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  40 months 0 x 30 positive mortgage payment history
 
5000028754
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
- xxx Comments:  Fico score 741 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 12 years at current job.
 
5000028761
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
- xxx Comments:  DTI 27.85%below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 65.44% below guideline requirements
 
5000028766
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
B
A
A
A
A
C
B
C
B
A
A
A
A
Credit
Title
Waived
C
B
C
B
CRDTIL100
Potential title issue
No
Title :Schedule A 12 (page 4)  - reflects a Financing Statement secured party is Greater Dickson Gas Authority, from 9/11/20.Provide sufficient documentation this is cleared and / or does not affect lender's 2nd lien position. May be subject to additional conditions upon review.
2.14.2024 Lender provided exception approval for missing documentation verifying UCC Financing is cleared from Title
Exception approved
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  9 + years at residence
 
5000028771
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
B
A
B
A
CRDCRMH3000
# of Tradelines Does Not Meet Guideline Requirements
No
Unable to test due to missing CBR
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 5 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 11 years at residence
 
5000028771
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
D
A
D
A
CRDCRMH189
Missing credit report
No
Provide CBR meeting guidelines. Subject to full DTI recalc, and may be subject to additional conditions upon review.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 5 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 11 years at residence
 
5000028771
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
B
A
B
A
CRDDTI106
Debt Ratio Exception >5% and <10%
No
xxx DTI calculated at 48.12 after credit review; Variance Lender excluded XXX $508; provide supporting docs to exclude the debt
10/5 client provided an Email; upon review the file has 3 canceled checks to show XXX so signed debt is paid by a 3rd party and excluded
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 5 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 11 years at residence
 
5000028778
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
- xxx Comments:  Qualifying credit score of 684
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Good mortgage history
 
5000028792
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
- xxx Comments:  669 QUALIFYING SCORE
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  29.02% DTI
 
CFCFS1736: Significant time at current residence
- xxx Comments:  30 + years at residence
 
5000028806
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
- xxx Comments:  DTI at 35.75% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 64% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 16.92 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 28 months exceeds guidelines of 12 months
 
5000028807
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
- xxx Comments:  22.50% DTI
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  9.45%/47.14% LTV/CLTV
 
5000028809
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
- xxx Comments:  Credit score of 676 exceeds the minimum score.
 
5000028816
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
- xxx Comments:  Credit score of 692 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 31.87% is below the maximum DTI.
 
5000028817
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)
5000028818
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Threshold Calculation  Adjusted Charges $2,304.71 Total Loan Amount $42,884.33 Maximum Charges % 5.000% Maximum Charges $2,144.22 Charges Margin to Threshold $160.49 Total Charges % 5.374%
Client accepts exception
Final Grade B
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 679 exceeds the minimum score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 20 year of time at the job.
 
5000028818
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
Property Valuations
Value
Satisfied
A
A
B
B
PRVAVALU5249
Property Value Not Supported
No
AVM house canary of $168,784 is not supported by the AVM value of $140K10/02/2023 original AVM value is supported by updated AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 679 exceeds the minimum score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 20 year of time at the job.
 
5000028819
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
- xxx Comments:  67.92% HCLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 17 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  >  27 years at residence
 
5000028821
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
- xxx Comments:  Credit score 710 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 39.07%  below guideline requirement
 
5000028824
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM does not support original AVM value with a variance of -24.02%10/02/2023 updated AVM received which did not support the original AVM with a -14.45% variance.10/04/2023 updated AVM received which did not support the original AVM with a -24.07% variance.
BPO received value not supported variance -25.54%.10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 60.03%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 32+ months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 671; Program min- 600
 
5000028840
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
- xxx Comments:  Fico score 707 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 18.82 is below lender's guide lines maximum of 43%.
 
5000028843
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
CRDINC3204
Income Documentation Missing
No
Borrower 1 at current job < 1 year per 1003.Provide sufficient documentation supporting start date (voe etc.), required for income calc.May be subject to additional conditions upon review.
10/5 client provided a VOE showing borrower start date 10/24/22 confirming 11 months consecutive employment; Prior employment ended 7/2021 Borrower had a 15 month job gap and only 11 months current employment at Note date; XXX require 12 months employment 10.5.2023 Client provided LOX stating: Additional finding invalid. Per 1003 and supported by 2021 and 2022 W2s in Doc Manager, borrower worked at XXX from 7/2021 - 10/2022. Started new job 10/2022. No gap in income and employment history has been validated. VOE from XXX only used to support start date of current position as W2s in file support prior employment history. Please re-review and advise where the gap in employment is.  Response,  Agree 2021/2022 w2's are in file for this borrower w/XXX and XXX VVOE provided supports employment started 10.2022 Income used is supported for B1
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  39.86% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  730 qualifying score
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  21 + years at job
 
5000028847
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -12.07% variance.10/02/2023 Original AVM value is not supported by updated AVM with a -11.99% variance.10/04/2023 updated AVM received which did not support the original AVM with a -12.07% variance.
BPO received value not supported variance -22.59% 10/18/2023 client acknowledged condition and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV  43.03% below guideline requirements
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 37.19% below guideline requirement
 
5000028851
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
- xxx Comments:  Borrowers have owned the subject property for 16.67 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 20.42 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 25.58 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 75%.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 40%.
 
5000028857
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 $284,000   Lender value $385,788.  -26.38% variance10/02/2023 updated AVM received which supported the original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 23 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  24.27% DTI
 
5000028861
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 $174,000 is 10.27% below the origination AVM value of $193,907 which exceeds the allowable 10% tolerance.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 5.33 and 5.5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 6.33 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 11 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 40%.
 
5000028867
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
- xxx Comments:  Credit score of 674 exceeds the minimum score.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 38.72% is below the maximum DTI.
 
5000028869
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
- xxx Comments:  Borrowers have 7 years at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 28.24% is 11.76% below the 40% allowed for the program.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 57.04% is 17.96% below the 75% CLTV allowed for the program.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 7 years 1 month at current job.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has 7 years 1 month at current job.
 
5000028872
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 for 25 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  716 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  12 years at residence
 
5000028873
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
- xxx Comments:  0x30 for 36+ months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 5+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 26.29%; Program max- 43%
 
5000028881
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
- xxx Comments:  Fico score 662 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 12 years at current job.
 
5000028886
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
- xxx Comments:  LTV at 67% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 32 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 32.02% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 5.17 years
 
5000028892
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
- xxx Comments:  680 Qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  6.67 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6.08 years at residence
 
5000028894
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
CRDINC888
Income Amount is  Unsupported by Documentation in File
No
Lender used $7,371.04/month.  $35,381 / 4.8.  Using from 4/20/23 to 9/10/23.  1003 shows borrower has been on this job for 5 years 8 months. 2022 W2's do not support income.  Provide actual start date for current job. Additional conditions may apply
10.4.2023 Client provided updated 1003 with corrected 4.8 months for current employer.
Condition satisfied
(No Data)
Not Applicable
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrower is saving $731/month
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 24 months of 0x30 on current mortgage
 
5000028899
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
- xxx Comments:  668 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  70.30% HCLTV
 
5000028911
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
- xxx Comments:  DTI at 32.78% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 11.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 9.08 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 33 months exceeds guidelines of 12 months
 
5000028918
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 dated 9/14/23 with estimated value of $521,323 and most recent AVM with estimated value of $469,000 dated 10/13/23.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 679 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 31.41 is below lender's guide lines maximum of 43%.
 
5000028920
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
- xxx Comments:  684 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  39.15% HCLTV
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  22 + years at job
 
5000028924
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
- xxx Comments:  Significant time at current residence 7 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 6 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 6 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  27 months 0 x 30 positive mortgage payment history
 
5000028929
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
- xxx Comments:  Borrower has been with current employer for 5.75 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 8 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 600.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000028930
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
- xxx Comments:  11.99%/73.59% LTV/CLTV
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with same employer for over 13 years
 
5000028934
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
- xxx Comments:  The total LTV is 46%
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000028941
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 719,133 is not supported with a AVM of 620,000 with a variance of (13.79%) below value10/17/2023 updated AVM received which did not support original AVM with an -18.15% variance.10/18/2023 updated AVM received which did not support original AVM with an -13.79% variance.
10.23.23 BPO received value supported.
Exception Satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 10 years of significant time at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 649 exceeds the minimum score.
 
5000028942
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
- xxx Comments:  Fico score 730 exceeds guide lines.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has stable employment 14 years at current job.
 
5000028945
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
- xxx Comments:  667 QUALIFYING SCORE
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  27.83% qualifying DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 25 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 7 years at residence
 
5000028953
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
- xxx Comments:  Borrower has 28 years 7 months at current residence.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 57.26% is 22.74% below the 80% CLTV allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 674 is 34 points above the 640 FICO required for the program.
 
5000028955
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
- xxx Comments:  DTI at 19.20% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.58 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 65% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 78 months exceeds guidelines of 12 months
 
5000028966
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
- xxx Comments:  DTI 35.41%  below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 71.50% below guideline requirements
 
5000028969
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
- xxx Comments:  Credit score of 651 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 15 years of time at current job.
 
5000028974
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
- xxx Comments:  DTI (Back) of 38.44% is 4.56% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 659 is 19 points above the 640 FICO required for the program.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have 3 years 8 months at current residence.
 
5000028984
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with the same employer for over 34 years
 
5000028990
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
- xxx Comments:  Fico score 691 exceeds guide lines.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Positive mortgage history for 31 months.
 
5000028999
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
- xxx Comments:  Significant time at current residence 28 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 6 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 6 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  99 months 0x30 positive mortgage payment history
 
5000029004
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
- xxx Comments:  DTI of 22.37% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 74% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 25 months exceeds guidelines of 12 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of  13.25 years
 
5000029007
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
CRDINC888
Income Amount is  Unsupported by Documentation in File
No
B2 at current job < 12 months. Provide acceptable VOE with start date; needed for accurate income calc.Subject to full income recalc and may be subject to additional conditions upon review.
Please see document in Document Manager labeled ''Work Number Report''. This will show that start date at XXX.  Response, VVOE provided supports date started and was used for calculation of monthly income for B2
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  722 QUALIFYING SCORE
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8 + years at job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0 x 30 > 48 months
 
5000029007
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
Value not yet supported. Updated AVM reflects -16.43% variance. Provide updated valuation supporting value. May be subject to additional conditions upon review.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  722 QUALIFYING SCORE
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8 + years at job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0 x 30 > 48 months
 
5000029011
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
- xxx Comments:  DTI 27.225 below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 73.35% below guideline requirements
 
5000029014
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
- xxx Comments:  LTV at 38% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 61 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI of 25.43% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 15.5 years
 
5000029028
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 99 months of 0x30 on current mortgage
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrowers are saving over $1,300/month
 
5000029035
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
- xxx Comments:  676 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 48 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  64.53% HCLTV
 
5000029043
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
- xxx Comments:  LTV AT 64% below guideline requirements of 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 26.69% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 81 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 7.33 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 15.58 years
 
5000029046
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  17.75 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  25.17 years at residence
 
5000029047
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 37 months of 0x30 on current mortgage
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  21.94%/61.13% LTV/CLTV
 
5000029051
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
- xxx Comments:  743 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  11+ years at current residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 24 months
 
5000029055
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
- xxx Comments:  B1 has worked 7+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 711; Program min- 940
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 31.20%; Program max- 43%
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000029058
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
- xxx Comments:  0x30 for 114 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 714; Program min- 670
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 29.93%; Program max- 43%
 
5000029060
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
- xxx Comments:  Borrowers have lived 10+ years at current residence
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked for 20+ years at current job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 98+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 30+ months
 
5000029066
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
- xxx Comments:  B1 has worked 16+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
5000029071
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM does not support original AVM value with a variance of -22.99%.10/17/2023 updated AVM received which did not support original AVM with a -10.29% variance.10/17/2023 updated AVM received which did not support original AVM with an -22.99% variance.
10.23.23 XXX BPO received value not supported variance -10.93%.10/23/2023 client accepts value not supported and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived for 14+ years at current residence
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  Qual CLTV- 45%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 48+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 35.43%; Program max- 43%
 
5000029074
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
- xxx Comments:  678 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 40 years at residence
 
5000029075
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
- xxx Comments:  Borrower has 10 years 2 months at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 8 years 7 months at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 704 is 64 points above the 640 FICO required for the program.
 
5000029076
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
- xxx Comments:  B1 has worked 17+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived for 24+ years at current residence
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 53.85%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 792; Program min- 670
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000029078
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
- xxx Comments:  669 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 82 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6 + years at residence
 
5000029083
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
- xxx Comments:  Mortgage payment history of 34 months exceeds guidelines of 12 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 669 exceeds guidelines
 
5000029085
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
- xxx Comments:  CLTV- 61%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 46+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 36.73%; Program max- 43%
 
5000029086
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
As per most recent AVM, property value $272,000 dated 10/13/23, with original estimated value of  $332,926 dated 9/21/23.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 654 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 66.49% is below lender's guide line maximum.
 
5000029090
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 with (10.57%) variance.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  32.88% DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 99 months 0x30 on current mortgage
 
5000029104
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
- xxx Comments:  DTI at 24.43% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 62% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 34 months exceeds guidelines of 12 months
 
5000029108
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
- xxx Comments:  Significant time at current residence 22 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  40 months 0 x 30 positive mortgage payment history.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 23.48% is below guideline requirement
 
5000029119
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 received value not supported variance -16.56%.10/17/2023 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 6 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 5.08 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 10% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 600.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 43%.
 
5000029122
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM received with variance greater than 10%.11/01/2023 updated AVM received which did not support the original AVM with a -15.29%.11/01/2023 updated AVM received which did not support the original AVM with a -17.75%.11/07/2023 BPO received which did not support original AVM with a -13.87% variance.
11/10/2023 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 71.22%; Program max- 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calculated DTI- 32.76%; Program max- 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 6+ years at current residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current job
 
5000029123
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
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.5 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 36.25 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history 24 months exceeds guidelines of 12 months
 
5000029128
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
- xxx Comments:  Borrower has significant time at current job 8 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 8 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  33 months 0 x 30 Positive mortgage payment history
 
5000029129
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
- xxx Comments:  12.70%/49.70% LTV/CLTV
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with same employer for over 33 years
 
5000029139
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
- xxx Comments:  Credit score of 703 exceed the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 14 years at current job.
 
5000029140
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
- xxx Comments:  Fico score 668 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment 11 years at current job.
 
5000029142
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
- xxx Comments:  Borrower has been with current employer for 11.08 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 6.67 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 30 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000029150
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
- xxx Comments:  Fico score 766 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 31 years at current job.
 
5000029151
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
- xxx Comments:  DTI (Back) of 34.97% is 8.03% below the 43% allowed for the program.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has 18 years 7 months at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 665 is 25 points above the 640 FICO required for the program.
 
5000029154
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000029159
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
- xxx Comments:  Borrower has owned the subject property for 11.17 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 25% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 670.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 43%.
 
5000029160
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
- xxx Comments:  Borrowers have 9 years 1 month at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 24.60% is 18.40% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 685 is 45 points above the 640 FICO required for the program.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 8 years at current job.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has 8 years at current job.
 
5000029163
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
- xxx Comments:  Fico score 657 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 64.26 is below lender's guide line maximum.
 
5000029167
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
- xxx Comments:  Borrower is saving over $800/month
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
5000029175
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
- xxx Comments:  DTI of 34.38% is below the maximum DTI.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 717 exceeds the minimum score.
 
5000029176
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
- xxx Comments:  Qualifying FICO of 798 is 158 points above the 640 FICO required for the program.
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower is 0x30 on all accounts for the past 8 years reviewed.
 
CFCFS5269: Minimal use of credit
- xxx Comments:  Borrower has a credit line usage ratio of 7%.
 
5000029178
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has 10 years at current residence
 
5000029179
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
- xxx Comments:  CLTV- 71.84%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 779; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 12+ years at current job
 
5000029182
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM received value not supported variance -12.18%. 11/01/2023 updated AVM received which did not support the original AVM with a -16.29%.11/01/2023 updated AVM received which did not support the original AVM with a -12.18%.11/13/2023 BPO received which did not support the original AVM with a -14.17%.
11/16/2023 client acknowledge exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 7+ years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 8+ years at current residence
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000029183
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
- xxx Comments:  Significant time at current residence 6 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 9 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  64 months 0 x 30
 
5000029186
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
- xxx Comments:  26.29% DTI
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with same employer for over 55 years
 
5000029194
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
- xxx Comments:  29.12% DTI
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower been with employer for over 36 years
 
5000029204
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
- xxx Comments:  Credit score of 693 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower time at job is over 19 years.
 
5000029207
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
- xxx Comments:  Fico score 750 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 18 years at current job.
 
5000029239
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
- xxx Comments:  Borrower has over 17 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 676 exceeds the minimum score.
 
5000029242
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
- xxx Comments:  Borrower has been with current employer for 8.5 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 12.5 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 25 points above guideline minimum of 640.
 
5000029248
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
- xxx Comments:  Qualifying FICO of 658 is 18 points above the 640 FICO required for the program.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 3 years 1 month at current job.
 
5000029256
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
- xxx Comments:  Fico score 686 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 5 years, 9 months at current job.
 
5000029271
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
- xxx Comments:  Significant time at current residence of 7.33 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 7.67 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 50 months exceeds guidelines of 12 months
 
5000029274
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
- xxx Comments:  DTI at 37.75% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 12.17 years
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job of 11.67 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 79 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
5000029285
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
- xxx Comments:  Significant time at current residence of 9.08 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 79 months exceeds guidelines of 12 months.
 
5000029288
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
2 year job history not on 1003Please provide updated 1003
11.2.2023 Client provided LOX stating Please see guideline 12.1.4.10 for employment history requirement. Achieve only requires a 12 month history of employment (this is a recent update). 1003 has been uploaded to support 2 year history though. Additionally, Achieve guidelines do not require verification of start date for income. For income calculation, using borrower provided start date is sufficient. Therefore, income is calculated based on start date of XXX. Response, Updated 1003 was provided to support 2 year history of employment.
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  5 + years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 25 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  71.27% HCLTV
 
5000029288
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
CRDINC150
Income docs do not meet guidelines
No
Provide documentation supporting XXX start date (voe etc.) for income calc.May be subject to additional conditions upon review.
11.2.2023 Client provided LOX stating Please see guideline 12.1.4.10 for employment history requirement. Achieve only requires a 12 month history of employment (this is a recent update). 1003 has been uploaded to support 2 year history though. Additionally, Achieve guidelines do not require verification of start date for income. For income calculation, using borrower provided start date is sufficient. Therefore, income is calculated based on start date of XXX.  Response, accepting start date of XXX per Client this is the start date given by borrower.
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  5 + years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 25 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  71.27% HCLTV
 
5000029292
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
- xxx Comments:  Borrower has owned the subject property for 16.58 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 11.42 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000029298
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
- xxx Comments:  DTI at 39.22% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 36 months exceeds guidelines of 12 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 26.33 years
 
5000029305
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
- xxx Comments:  0x30 for 36+ months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 662; Program min- 640
 
5000029309
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
- xxx Comments:  678 QUALIFYING SCORE
 
CFCFS1736: Significant time at current residence
- xxx Comments:  9 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  9.5 years at job
 
5000029312
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
- xxx Comments:  DTI 37.61% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 57.43% below guideline requirements
 
5000029313
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM received value not supported variance -19.94%.11/01/2023 updated AVM received which did not support the original AVM with a -11.92%.11/01/2023 updated AVM received which did not support the original AVM with a -19.94%.11/07/2023 BPO received which did not support original AVM with a -27.22% variance.
11/10/2023 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 13.5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 21 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 21 years.
 
5000029319
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
- xxx Comments:  Borrower has been with current employer for 10.67 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 8.67 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV > 20% below guideline maximum of 80%.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000029329
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
- xxx Comments:  Credit score of 663 exceeds the minimum score.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has over 15 years at current job.
 
5000029333
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
- xxx Comments:  CLTV- 59.87%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 17+ years at current residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 8+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 31.81%; Program max- 43%
 
5000029339
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
- xxx Comments:  Borrower has stable employment for 11 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 27.11 is below lender's guide line maximum of 43%.
 
5000029346
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
- xxx Comments:  DTI at 31.27% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 5.83 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 38 months exceeds guidelines of 12 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 16.92 years
 
5000029349
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
- xxx Comments:  B1 has lived 27+ years at current residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current Job
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 60%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 725; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 46+ months
 
5000029351
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
- xxx Comments:  Credit score 684 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 35.81% below guideline requirement
 
5000029353
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
- xxx Comments:  699 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 24 months
 
5000029355
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
- xxx Comments:  Fico score 710 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 16 years at current job.
 
5000029356
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
- xxx Comments:  Fico score 714 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 11 years at current job.
 
5000029359
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
- xxx Comments:  Borrower has over 8 years of time at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 704 exceeds the minimum score.
 
5000029362
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxx Comments:  Borrower has  no late payments on the mortgage history
 
5000029363
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrowers have overall good credit history
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  The total DTI is 26%
 
5000029388
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
- xxx Comments:  Fico score 696 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 14 years at current job.
 
5000029391
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
- xxx Comments:  Borrower has 5 years 5 months at current residence.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 697 is 57 points above the 640 FICO required for the program.
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower is 0x30 on all accounts for the past 8 years reviewed.
 
5000029396
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
- xxx Comments:  Borrower has no late payments on the mortgage history
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
5000029403
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
- xxx Comments:  DTI at 34.64% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 56 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 13.33 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 31.42 years
 
5000029404
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
- xxx Comments:  688 Qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8.92 years at job
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 38 months
 
5000029408
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
- xxx Comments:  Fico score 749 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 20 years at current job.
 
5000029410
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
- xxx Comments:  Borrower has stable employment 10 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 660 exceeds guide lines.
 
5000029417
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
- xxx Comments:  Borrower has been in the same profession for 19 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 649 exceeds guide lines.
 
5000029428
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
- xxx Comments:  CLTV- 44.39%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have lived 38+ years at current residence
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  Qual score- 788; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
5000029433
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
- xxx Comments:  CLTV  37.97% below guideline requirements
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 698 exceeds guidelines
 
5000029437
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
- xxx Comments:  CLTV- 75%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 8+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 28.75%; Program max- 43%
 
5000029441
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
- xxx Comments:  Significant time at current residence of 5.83 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 14.58 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 80 months exceeds guidelines of 12 months.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 67% below guideline requirements of 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 28.21% below guideline requirement of 43%
 
5000029445
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
- xxx Comments:  Borrowers have owned the subject property for 6 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 23.75 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 25 points above guideline minimum of 640.
 
5000029454
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
- xxx Comments:  Qualifying FICO of 671 is 31 points above the 640 FICO required for the program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 34.16% is 8.84% below the 43% allowed for the program.
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower is 0x30 on all accounts for the past 8 years reviewed.
 
5000029457
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
- xxx Comments:  Credit score 692 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 35.67% below guideline requirement
 
5000029462
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
- xxx Comments:  DTI at 38.27% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 82 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 7 years
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession of 6.5 years
 
5000029492
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
- xxx Comments:  Borrower has been with same employer for 18 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  40.72% DTI
 
5000029498
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM value $387,458 is not supported by additional third party value $222,000, variance -42.7035% exceeds maximum allowed threshold 10.00%.11/14/2023 Updated AVM received which did not support original AVM with a -40.87% variance.11/15/2023 BPO received which did not support the original AVM with a -31.61% variance.
11/16/2023 client acknowledge exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 22.27%  below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 60.49%  below guideline requirements
 
5000029501
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
- xxx Comments:  Credit score of 719 exceeds the minimum score.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 21.18% is below the maximum LTV.
 
5000029503
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
- xxx Comments:  DTI of 32.20% is below the maximum DTI.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 691 exceeds the minimum score
 
5000029506
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 FOR 36 MONTHS
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  62.81% HCLTV
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 15 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 10 years at residence
 
5000029511
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
- xxx Comments:  Borrower has owned the subject property for 5.33 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 30.75 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 30% below guideline maximum of 43%.
 
5000029520
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
- xxx Comments:  CLTV- 69.71%; Program max- 80%
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked 10+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 24.32%; Program max- 43%
 
5000029526
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
- xxx Comments:  Borrowers have been owning the property > 5 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 736 exceeds guidelines
 
5000029535
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
- xxx Comments:  Credit score 663 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 25.69% below guideline requirement
 
5000029539
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
- xxx Comments:  Borrower has 5 years 9 months at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 8 years 1 month at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 37.46% is 5.54% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 695 is 55 points above the 640 FICO required for the program.
 
5000029542
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
- xxx Comments:  DTI 28.02% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 62.89% below guideline requirements
 
5000029551
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Borrower has overall good credit history
 
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- xxx Comments:  Borrower has no late payments on the mortgage history
 
5000029554
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
- xxx Comments:  DTI of 37.17% is below the maximum DTI.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 677 exceeds the minimum score.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co Borrower has over 18 years of time at current job.
 
5000029559
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
- xxx Comments:  Borrower has 5 years at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 5 years 3 months at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 30.75% is 12.25% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 662 is 22 points above the 640 FICO required for the program.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 72.73% is 7.27% below the 80% CLTV allowed for the program.
 
5000029571
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
- xxx Comments:  Borrower has 19 years 2 months at current residence.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 64.37% is 15.63% below the 80% CLTV allowed for the program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 23.96% is 19.04% below the 43% allowed for the program.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 7 years 6 months at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 695 is 55 points above the 640 FICO required for the program.
 
5000029580
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 24 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.46% DTI
 
5000029582
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
- xxx Comments:  B1 has worked for 27+ years at current Job
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 68.70%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
5000029593
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
- xxx Comments:  Borrower has 19 years 2 months at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 23 years 5 months at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 703 is 63 points above the 640 FICO required for the program.
 
5000029595
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
- xxx Comments:  Borrower has 11 years 1 month at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 6 years 5 months at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 29.03% is 13.97% below the 43% allowed for the program.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 55.39% is 24.61% below the 80% CLTV allowed for the program.
 
5000029599
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
- xxx Comments:  Borrower has 5 years at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 13 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 787 is 147 points above the 640 FICO required for the program.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 70.46% is 9.54% below the 80% CLTV allowed for the program.
 
5000029621
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 negative 16.97% variance.  Provide a BPO to support AVM value.  12/27/2023 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 10.25 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 5.25 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 38.79% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 33 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 50% below guideline requirements of 80%
 
5000029625
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
- xxx Comments:  Fico score 747 exceeds guide lines.
 
5000029636
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
- xxx Comments:  Borrower has owned the subject property for 17.33 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 26.92 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 10% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
5000029638
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 is not supported by updated AVM with a -24.66% variance.11/13/2023 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has 7 years 3 months at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 33.25% is 9.75% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 670 is 30 points above the 640 FICO required for the program.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 33 years 7 months at current job.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 60.07% is 19.93% below the 80% CLTV allowed for the program.
 
5000029645
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  99 months 0 x 30 positive mortgage payment history.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 22.48%/ CLTV 67.64% is below guideline requirements
 
5000029650
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
- xxx Comments:  Credit score 669 exceeds guidelines
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in profession >10 years.
 
5000029652
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
- xxx Comments:  Borrower has 10 years 9 months at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 683 is 43 points above the 640 FICO required for the program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 34.80% is 8.20% below the 43% allowed for the program.
 
5000029654
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
- xxx Comments:  Borrower has owned the subject property for 14.58 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 25% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 25 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000029660
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
- xxx Comments:  DTI 33.04%  below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 76.92%  below guideline requirements
 
5000029662
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
- xxx Comments:  CLTV- 67.37%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 746; Program min- 640
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 49+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000029665
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
- xxx Comments:  DTI AT 19.13% below guideline requirement OF 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence OF 6.83 YEARS
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history OF 26 MONTHS exceeds guidelines OF 12 MONTHS
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 66% below guideline requirements of 80%
 
5000029677
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
- xxx Comments:  Borrower has 18 years on current job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has 18 years on current job
 
5000029678
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
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 30 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000029681
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
- xxx Comments:  Credit score 696 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 70.63% below guideline requirements
 
5000029692
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
C
A
C
A
CRDDTI187
Debt Ratio > 50%
No
Income and debts are almost the same as lender but DTI is 52.51%.  Lender to  provide documentation to support 43% DTI.  On 1003 lender did not show a 1st mortgage payment.
11/17 Client provided an Email that the first mortgage is only in the name of the Non Borrowing spouse and as such was excluded from qualification.": Upon review, agreed the loan is only in the name of the XXX and the PI portion of the payment may be excluded; However, the Borrower is a titled owner of the property, as such the Taxes and insurance must be included in the qualifying DTI; Payment has been adjusted to exclude the PI portion and include only the TI for qualification, the resulting DTI is 46.79 and still excludes the program MAX 43%; see new condition fired
satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 10.58 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 15.17 years
 
5000029692
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
CRDLGL2642
Missing proof that HELOC has been paid and closed to future draws
No
Provide an estoppel letter that closes the existing HELOC to future draws.
11/17 Client provided signed request to Close the HELOC
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 10.58 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 15.17 years
 
5000029693
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
- xxx Comments:  Borrower has been with current employer for 6.58 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 7.75 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 20% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 40 points above guideline minimum of 600.
 
5000029706
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
- xxx Comments:  Fico score 654 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 7 years at current job.
 
5000029707
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
- xxx Comments:  DTI 36.67% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 744 exceeds guidelines
 
5000029712
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
- xxx Comments:  Fico score 697 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at the same residence for almost 11 years.
 
5000029713
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
- xxx Comments:  DTI at 38.06% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 6.17 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 32 months exceeds guidelines of 12 months
 
5000029718
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
- xxx Comments:  CLTV- 35%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 8+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.45%; Program max- 43%
 
5000029724
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM is not supported by updated AVM with a -14.95% variance. BPO recommended11/14/2023 Updated AVM received which did not support original AVM with a -14.64% variance.11/21/2023 Updated BPO received which did not support original AVM with a -38.01% variance.
11/27/2023 client acknowledged exception and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 63.23%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 12+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 25+ years at current residence..
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 22.82%; Program max- 43%
 
5000029725
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
- xxx Comments:  Significant time at current residence 3 years 6 months.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 22 years 6 months.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 22 years 6 months.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  39 months 0 x 30 positive mortgage payment history.
 
5000029729
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
- xxx Comments:  11.22%/53.67% LTV/CLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 37 months of 0x30 on current mortgage
 
5000029734
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
- xxx Comments:  CLTV- 74.94%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 33+ years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 25+ years at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.19% Program max- 43%
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000029736
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
- xxx Comments:  Fico score 683 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 8 years at current job.
 
5000029739
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
- xxx Comments:  Significant time at current residence of 12.75 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 37.75% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 12.92 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 70% below guideline requirements of 80%
 
5000029751
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
- xxx Comments:  Fico score 661 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 6 years at current job.
 
5000029762
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
- xxx Comments:  Borrower has significant time at current job of 15.67 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 42 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 38.68% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 74% below guideline requirements of 80%
 
5000029785
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 dated 10/16/23 with estimated value $346,418, and updated value dated 11/10/23 for $299,000. Variance of -13.68%.11/13/2023 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 710 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 6 years at current job.
 
5000029786
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
A negative value of 28.75% exists between the appraisal and the Updated Valuation.  Provide a BPO supporting the appraised value.  11/14/2023 Updated AVM received which did not support original AVM with a -28.47% variance.11/15/2023 BPO received which did not support the original AVM with a -35.08% variance.
11/16/2023 client acknowledge exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 5.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 9.42 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 66 months exceeds guidelines of 12 months
 
5000029788
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
- xxx Comments:  Borrowers have 5 years 1 month at current residence.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 699 is 59 points above the 640 FICO required for the program.
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower is 0x30 on all accounts for the past 4 years reviewed.
 
5000029790
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
- xxx Comments:  CLTV- 52.32%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 12+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 38.92%; Program max- 43%
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 43 months
 
5000029795
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
- xxx Comments:  CLTV  55.41% below guideline requirements
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in profession>18 years.
 
5000029800
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
- xxx Comments:  Borrower has 16 years 8 months at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 27.18% is 15.82% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 675 is 35 points above the 640 FICO required for the program.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 71.23% is 8.77% below the 80% CLTV allowed for the program.
 
5000029804
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
- xxx Comments:  Fico score 669 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 7 years at current job.
 
5000029818
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
- xxx Comments:  Borrower has owned the subject property for 6.83 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 35 points above guideline minimum of 640.
 
5000029824
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
- xxx Comments:  Fico score 739 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 19 years at current job.
 
5000029825
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 44.33%.  Review used the monthly payments provided for XXX Loans from Credit Supplement.  Lender used .75%
2.14.2024 Client provided LOX and breakdown of student loan payments that were used per the credit supplement, appears one student loan on supplement reflects payment however DD Firm used .75% for that one student loan debt, adjustment made and total being used now matches Lender amount however upon adjustment DTI was 43.40% with using PITIA of $1,700 so broke down the 1st lien PITIA payment and DTI still over 43%.  Condition remains for Lender breakdown of PITIA payment appears MTG statement have Mortgage Insurance of $130.64 and HOI is $191.33 and 1st P&I $810.37 and HOA $43.83 and Taxes (did not find tax statement), appears taxes (missing documentation) and MI is causing difference and DTI. 2.16.2024 Client provided their updated breakdown of subject PITIA payment for total of $2,582.53 and provided copy of tax statement supporting monthly taxes of $531.38; using HOI premium of $142.58 which is effective til 12.2023 (Note date XXX) updated DTI under 43%
Condition satisfied
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 27 months of 0x30 on current mortgage
 
5000029835
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 dated 11/27/23 for $296,000 with original estimated value $334,921.11/29/2023 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 742 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 21 years at current job.
 
5000029837
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 Not Supported, -21.30% variance between appraisal and AVM.11/14/2023 Updated AVM received which did support original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 20 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 23 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  36 months 0 x 30 exceeds 12 month requirement
 
5000029852
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
- xxx Comments:  CLTV- 55.78%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 23+ years at current job
 
5000029855
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 99 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  27.73% DTI
 
5000029866
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
- xxx Comments:  Credit score 739 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 30.47% below guideline requirement
 
5000029868
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 99 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  39.19% DTI
 
5000029873
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
- xxx Comments:  Borrower has stable employment with 16 years at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 31.71 is below lender's guide line maximum of 43%.
 
5000029882
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
- xxx Comments:  Co-borrower has been with current employer for 5 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 75 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000029897
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
- xxx Comments:  CLTV- 54%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 35+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 18+ months at current residence
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 32+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 34.83%; Program max- 43%
 
5000029901
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
- xxx Comments:  CLTV- 57.18%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 7+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 9+ years at current residence
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
5000029907
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
5000029915
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
- xxx Comments:  CLTV- 75%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calculated DTI- 26.62%; program max- 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 48+ months
 
5000029918
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
- xxx Comments:  Fico score 826 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 11 years at current job.
 
5000029920
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
- xxx Comments:  CLTV- 44.28%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 6+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 15+ years at current residence
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 34+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 36.74%; Program max- 43%
 
5000029924
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
- xxx Comments:  Borrowers have 5 years at current residence.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has 23 years 9 months at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 689 is 49 points above the 640 FICO required for the program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 35.32% is 7.68% below the 43% allowed for the program.
 
5000029927
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
- xxx Comments:  Borrower has 9 years 5 months at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 27.44% is 15.56% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 663 is 23 points above the 640 FICO required for the program.
 
5000029935
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 > 48 MONTHS
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  686 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 23 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6.5 years at residence
 
5000029939
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
- xxx Comments:  Fico score 699 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at the same residence for 12 years.
 
5000029958
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
- xxx Comments:  CLTV- 72%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 20+ years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 758; Program min- 670
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 29.28%; Program max- 43%
 
5000029962
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
- xxx Comments:  CLTV of 66.29% is 13.71% below the 80% CLTV allowed for the program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 36.48% is 6.52% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 767 is 127 points above the 640 FICO required for the program.
 
5000029972
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
- xxx Comments:  650 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 34 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  6 years at job
 
5000029974
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
- xxx Comments:  Borrower has significant time at current job of 13 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 35 months exceeds guidelines of 12 months
 
5000029976
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
- xxx Comments:  LTV at 61% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 32 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 18.56% below guideline requirement of 43%
 
5000029978
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
Lender included an additional consumer debt account with Apparel Loans and monthly payment of $120.86 in the liabilities.  File is missing verification of this debt.
11/29 Client provided evidence the debt is a payroll loan
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 9.17 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
5000029981
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 -12.62% variance11/29/2023 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 718 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 20 years at current job.
 
5000029999
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
- xxx Comments:  Significant time at current residence 10.33 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 10 years 6 months.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 10 years 6 months.
 
5000030003
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
- xxx Comments:  Borrower has 12 years 9 months at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has 23 years 9 months at current job.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 72.82% is 7.18% below the 80% CLTV allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 727 is 87 points above the 640 FICO required for the program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 37.50% is 5.50% below the 43% allowed for the program.
 
5000030008
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
- xxx Comments:  Significant time at current residence of 25.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 16 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 47 months exceeds guidelines of 12 months
 
5000030036
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
- xxx Comments:  Significant time at current residence of 5.08 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 23.75 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 27.05% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 62 months exceeds guidelines of 12 months
 
5000030037
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
- xxx Comments:  DTI 22.04% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 40.01% below guideline requirements
 
5000030051
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
- xxx Comments:  Mortgage payment history of 25 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 32.59% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 12.42 years
 
5000030057
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
- xxx Comments:  61.74% HCTLV
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  28.96% qualifying DTI
 
CFCFS1736: Significant time at current residence
- xxx Comments:  9 + years at residence
 
5000030060
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
B
C
A
A
A
C
B
C
B
C
B
A
A
Credit
Title
Waived
C
B
C
B
CRDTIL100
Potential title issue
No
Provide documentation supporting UCC1 cleared from title. Subject to DTI/HCLTV recalc and may be subject to additional conditions upon review.
2.14.2024 Lender provided exception approval for missing documentation supporting UCC1 being cleared from Title
Exception approved
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  HCLTV is 63.93%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  686 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  23 + years at job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  10 + years at job
 
5000030060
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
C
B
C
A
A
A
C
B
C
B
C
B
A
A
Property Valuations
Value
Satisfied
C
A
C
B
PRVAVALU5249
Property Value Not Supported
No
AVM received value not supported variance -20.72%11/29/2023 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  HCLTV is 63.93%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  686 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  23 + years at job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  10 + years at job
 
5000030067
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
- xxx Comments:  Fico score 708 exceeds guide lines.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in the same profession for 5 years.
 
5000030069
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM received value not supported variance Loan Number -19.20% AVM received value not supported variance -34.87%. BPO ordered.
BPO received value not supported variance -30.22%12/27/2023 client acknowledge exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 26.89 % below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 66.78% below guideline requirements
 
5000030085
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
- xxx Comments:  31.50% QUALIFYING DTI
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6.75 years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 37 months
 
5000030097
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
- xxx Comments:  67.31% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  715 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7.75 years at residence
 
5000030098
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
- xxx Comments:  Significant time at current residence 17.42 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 12 years.
 
5000030100
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
- xxx Comments:  Borrower has significant time at current job of 7.83 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 33 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 74% below guideline requirements of 80%
 
5000030104
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
- xxx Comments:  Fico score 668 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 37.27 is below lender's guide line maximum of 80%.
 
5000030105
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Variance of -17.2821% exceeds maximum variance of 10% therefore property value is not supported.11/29/2023 updated AVM received which did not support the original AVM value with a -15.30% variance.11/29/2023 updated AVM received which did not support the original AVM value with a -17.28% variance.12/04/2023 BPO received which did not support the original AVM value with a -11.34% variance.
12/27/2023 client acknowledge exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 21.17 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 30 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 30 years.
 
5000030108
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
- xxx Comments:  B1 has worked 18+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 16+ years at current residence
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 40%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 752; Program min- 670
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000030118
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
- xxx Comments:  750 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 40 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  23.02% qualifying DTI
 
5000030121
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
- xxx Comments:  Borrower has stable employment with 20 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 702 exceeds guide lines.
 
5000030125
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
- xxx Comments:  Borrower has significant time at current job 9 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 9 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  31 months 0x30 positive mortgage payment history.
 
5000030130
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
- xxx Comments:  Significant time at current residence 5 years 1 month.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 8.27% and CLTV 52.71% is below guideline requirements.
 
5000030145
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
- xxx Comments:  675 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 36 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  9.33 years at job
 
5000030154
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
File is missing a complete W2 showing the tax year for co-borrower.  W2 provided in the file is cut-off.
2.14.2024 Client provided 2022 w2 for B2 (legible)
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 24.17 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 20.33 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 14.25 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 75 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000030164
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
- xxx Comments:  Significant time at current residence of 6.42 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 6.25 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 62% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 78 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 35.65% below guideline requirement of 43%
 
5000030171
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
- xxx Comments:  Fico score 703 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 48.79 is below lender's guide line maximum of 80%.
 
5000030179
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
PRVAPROP2556
Acreage exceeds property eligibility guidelines
No
1. AVM does not state lot size2. XXX printout, used for HOA amount, reflects XXX acres.Guidelines:'Ineligible Property Type: Condominium, Manufactured Home, Leasehold, Properties with > XXX acres'
11/29 client provided an Email with a county property search showing   the lot size as XXX Acres which supports the XXX report being a decimal point error
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  679 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  18.25 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  6.75 years at residence
 
5000030185
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
File is missing most recent mortgage statement, or other documentation, for the 1st mortgage verifying full required monthly PITI payment.  Used lender amount of $1,483.94 for recalculations.  Payment history print-out provided in the file is insufficient.
12/6 Client provided an LOX that " payment history should be sufficient as it has all necessary information. Upon review, Lender used $1450.00 PITI plus Flood $33 for $1483.94 PITIA,  the file has a credit report supporting PITI of $1448, Payment history shows bi weekly payments of $750.00 for $1500.00 monthly;
Condition satisfied; Lender PITIA $1483.94 is supported by payment history, credit report and file docs
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 11.33 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 11.67 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 15.42 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000030185
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 of $299,000 is 16.92% below the origination AVM value of $359,901 which exceeds the allowable 10% tolerance.11/29/2023 updated AVM received which did not support the original AVM value with a -16.92% variance.
12.8.2023 BPO received value supported.
Exception Satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 11.33 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 11.67 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 15.42 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000030186
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 is not supported by updated AVM with a -21.17% variance.12/08/2023 Updated AVM received which supported original value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 31.57% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 23 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 11.08 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
5000030196
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
- xxx Comments:  723 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  63.64% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  8 + years at residence
 
5000030202
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
- xxx Comments:  Credit score 699 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 30.48% below guideline requirement
 
5000030214
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
- xxx Comments:  Significant time at current residence of 5.33 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 65 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
5000030218
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
- xxx Comments:  Borrowers have 11 years 4 months at current residence.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 71.92% is 8.08% below the 80% CLTV allowed for the program.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has 6 years 3 months at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 36.92% is 6.08% below the 43% allowed for the program.
 
5000030220
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
CRDCRMH104
Credit score below guidelines
No
Qual score of 657 is below guideline minimum score of 670 for expanded use.
11/29 Client provided an Email; upon review the file is a debt consolidation produce and qualifies with a 657 score
Condition satisfied
(No Data)
Not Applicable
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 30+ months
 
5000030225
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
- xxx Comments:  Borrowers have 9 years at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 37.10% is 5.90% below the 43% allowed for the program.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 73.93% is 6.07% below the 80% CLTV allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 701 is 61 points above the 640 FICO required for the program.
 
5000030246
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
- xxx Comments:  CLTV > 10% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 20 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 20% below guideline maximum of 43%.
 
5000030248
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
- xxx Comments:  B1 has lived 20+ years at current residence.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 799; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 46+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 38.08%; Program max- 43%
 
5000030256
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM value of $87,000 is 51.54% below the origination AVM value of $179,541 which exceeds the allowable 10% tolerance.12/27/2023 updated AVM received which did not support the original AVM value with a -18.95% variance.12/28/2023 updated AVM received which did not support the original AVM value with a -51.54% variance.BPO received value not supported variance -29.82%
1/18/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 11.5 years and 30.5 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 34 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 40 points above guideline minimum of 640.
 
5000030262
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM received which did not support original AVM with a -11.16% variance.11/29/2023 updated AVM received which did not support the original AVM value with a -11.21% variance.12/04/2023 BPO received which did not support the original AVM value with a -21.35% variance.
12/27/2023 client acknowledge exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 61%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived for 15+ years at current residence
 
5000030264
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
- xxx Comments:  Borrower has significant time at current job of 5.83 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 41 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 73% below guideline requirements of 80%
 
5000030274
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Compliance
Right of Rescission
Satisfied
C
A
C
A
CMPROR2330
ROR - Disbursement date is before end of statutory rescission period
No
The subject Transaction Date was XXX. Per the ROR forms, the rescission Expiration Date was XXX. Borrowers were not given a full 3 day rescission period prior to Disbursement on XXX. Provide all title holders with an LOE and new ROR forms, proof of delivery and reopen rescission with dates allowing for method of delivery.
11/30/2023 Client requesting review for documentation required for disbursement on XXX.  Provide updated PCCD with correct Disbursement date, LOE to Borrower and Final Settlement Statement, if applicable or disbursement ledger confirming date. 12/04/23 Client provided the stamped Final ALTA reflecting the correct DD of XXX.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV- 57.33%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 37+ years at current residence.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 6+ years at current employer.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.82%; Program max- 43%
 
5000030304
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
- xxx Comments:  Credit score 702 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 31.99% below guideline requirement
 
5000030314
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
- xxx Comments:  DTI 30.99% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 753 exceeds guidelines
 
5000030317
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 corrected 1003.B1 is wage earner (states XXX)B2 is XXXIncome for both is being used, and income amounts are incorrect on 1003.May be subject to additional conditions upon review.
12.12.2023 Client provided updated 1003 with correct info and Income amounts corrected as stated in initial condition
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  666 qualifying score
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  32.02% qualifying DTI
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  > 10 years in XXX
 
5000030317
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
C
A
C
A
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
No
Provide sufficient documentation supporting $20 monthly HOA as shown on 1003.Subject to DTI recalc and may be subject to additional conditions upon review,
12.12.2023 Client provided XXX reflecting monthly HOA of $20.00 for XXX
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  666 qualifying score
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  32.02% qualifying DTI
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  > 10 years in XXX
 
5000030321
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
- xxx Comments:  Co-borrower has been with current employer for 9.83 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 8.08 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
5000030328
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
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
5000030334
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
- xxx Comments:  35.47% DTI
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrower is saving $645.86/month
 
5000030336
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 received which does not support the original AVM with a -17.06% variance.11/29/2023 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in the same profession for 29 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 25 years.
 
5000030339
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
- xxx Comments:  686 Qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7.5 years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  7.08 years at job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  28 + years at job
 
5000030341
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
- xxx Comments:  31.54% DTI
 
5000030353
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
- xxx Comments:  DTI at 32.22% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 28 months exceeds guidelines of 12 months
 
5000030365
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
- xxx Comments:  Borrower has been with current employer for 17.17 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
5000030373
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
- xxx Comments:  Fico score 734 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 12 years at current job.
 
5000030377
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
- xxx Comments:  Borrowers have owned the subject property for 16.25 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 19 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 8.17 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000030378
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Lender AVM Value $530,447.  Updated AVM from Collateral Analytics is $440,000 which is a -17% variance.  An additional AVM from XXX was ordered with a value of $420,651 which is -21%.  12/28/2023 updated AVM received which did not support the original AVM value with a -17.05% variance.BPO received value not supported variance -22.33%.
1/18/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  34.85% DTI
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  11.74%/69.39% LTV/CLTV
 
5000030381
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
- xxx Comments:  Fico score 667 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 11 years.
 
5000030388
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
- xxx Comments:  Significant time at current residence of 9.67 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 30 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 67% below guideline requirements of 80%
 
5000030396
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 received value not supported variance. -14.22%12/08/2023 Updated AVN received which supported the original value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  > 14 YEARS AT JOB
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 20 years at residence
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  660 qualifying score
 
5000030406
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
- xxx Comments:  Fico score 752 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 62.41% is below lender's guide line maximum.
 
5000030421
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
- xxx Comments:  Significant time at current residence 6 years 8 months.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 16 years 8 months.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 16 years 8 months.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 23 years 8 months.
 
5000030423
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5381
ILCK High-Cost Loan by exceeding APR threshold
No
APR max difference is 8.000%. Subject difference is 8.006%. Exceeds max tolerance by 0.006%.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 26.02% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 27.08 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 46 months exceeds guidelines of 12 months
 
5000030423
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
State Consumer Protection
Satisfied
D
A
D
A
CMPSTCP2057
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
No
Provide the missing IL Certificate of Compliance or Exemption for the subject transaction.
12/29/23 Client provided the recorded mortgage with the IL Cert of Exemption.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 26.02% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 27.08 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 46 months exceeds guidelines of 12 months
 
5000030425
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
Updated valuation has a negative 78.25% variance from the Appraisal (AVM). 12/27/2023 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 82 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 13.67 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 13.92 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 43% below guideline requirements of 80%
 
5000030441
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 99 months of 0x30 on current mortgage
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrower is saving $581.63/month
 
5000030450
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
- xxx Comments:  Borrower has stable employment for 13 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 667 exceeds guide lines.
 
5000030453
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
- xxx Comments:  DTI at 26.03% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 24 months exceeds guidelines of 12 months
 
5000030455
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 1003 Demographic for Borrower.
12.12.2023 Client provided fully completed Demographic Addendum for borrower
Condition satisfied
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Borrower has 50 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  37.75% DTI
 
5000030459
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
- xxx Comments:  Borrower has been with current employer for 12.25 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 10.83 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
5000030469
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
- xxx Comments:  DTI at 29.42% below guideline requirement of 43%
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession of 10 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 52 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 73% below guideline requirements of 80%
 
5000030471
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 is not supported by updated AVM with a -21.51% variance.12/08/2023 Updated AVM received which supported original value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B1 has worked 6+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 686; Program min- 640
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 32.54%; Program max- 45%
 
5000030478
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
- xxx Comments:  Credit score 731 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 33.09%  below guideline requirement
 
5000030481
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
- xxx Comments:  704 credit score.  Min 600
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co Borrower has been with same employer for 11 years
 
5000030482
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
- xxx Comments:  Debt reduction of $525.57/month
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 46 months of 0x30 on current mortgage
 
5000030484
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
- xxx Comments:  Borrowers have been owning the residence >50 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 732 exceeds guidelines
 
5000030491
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
- xxx Comments:  DTI at 32.58% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 16 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 31 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 71% below guideline requirements of 80%
 
5000030498
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
- xxx Comments:  Significant time at current residence 2.67 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 7.75 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 7.75 years.
 
5000030499
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
- xxx Comments:  Qual score- 739; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 39+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 30.82%; Program max- 43%
 
5000030502
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
- xxx Comments:  Fico score 764 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 26.61% is below lender's guide lines maximum of 43%.
 
5000030510
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
- xxx Comments:  LTV- 57.58%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 26+ years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 20+ years at current residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.43%; Program max- 43%
 
5000030513
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
- xxx Comments:  Borrower has 18 years 9 months at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI (Back) of 28.66% is 14.34% below the 43% allowed for the program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying FICO of 671 is 31 points above the 640 FICO required for the program.
 
5000030515
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 received which did not support the original AVM value with a -10.53% variance.
1.8.2024 Updated Clear AVM by XXX provided dated 1.8.2024 with XXX AVM Estimate value of $545,815 with FSD 0.17 and Medium Confidence of 83%
Condition satisfied
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 721 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 57.84% is below lender's guide line maximum.
 
5000030522
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
- xxx Comments:  Borrower has significant time at current job of 7.25 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 30.56% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 27 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 70% below guideline requirements of 80%
 
5000030532
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
- xxx Comments:  Significant time at current residence of 6.17 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 38.92% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 15.33 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75.18% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 73 months exceeds guidelines of 12 months
 
5000030537
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
- xxx Comments:  LTV at 69% below guideline requirements of 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 34.878% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.83 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 5.83 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 32 months exceeds guidelines of 12 months
 
5000030547
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
- xxx Comments:  Co-borrower has been with current employer for 7.83 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 6.67 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000030548
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
Updated valuation has a negative 12.50% variance from the AVM appraisal.  12/27/2023 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 39.18% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 17.83 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 40 months exceeds guidelines of 12 months
 
5000030553
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
- xxx Comments:  LTV 73.33% below guideline requirements
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been owning the residence for 13 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 20+ years at current job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 27 months
 
5000030569
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 41 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  708 qualifying score
 
5000030570
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Compliance
Texas Home Equity
Satisfied
C
A
C
A
CMPTXHE108
TX Equity - Total fees greater than the allowable cap
No
Adjusted Charges total $1,020.99 (2.032%). Max allowed charges total $1,005.00 (2.000%). Charges exceed max by $15.99.
12/29/23 Client provided a rebuttal with regulation rules for further review. Internal Compliance counsel has agreed the $150 O&E with Wrapper fee can be excluded.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Borrower has been with same employer for over 23 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  12.17%/70.95% LTV/CLTV
 
5000030575
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
- xxx Comments:  Significant time at current residence 5.33 months.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  46 months 0x30 positive mortgage payment history.
 
5000030581
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
- xxx Comments:  Fico score 696 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 17 years at current job.
 
5000030595
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)
5000030603
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
- xxx Comments:  DTI at 25.33% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 34 months exceeds guidelines of 12 months
 
5000030605
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
- xxx Comments:  33.41% DTI
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 19 years
 
5000030608
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
- xxx Comments:  Borrowers have owned the subject property for 23.83 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 14.83 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 6.83 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
5000030610
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
- xxx Comments:  Fico score 754 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 5 years at current job.
 
5000030612
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
- xxx Comments:  Borrower has significant time at current job 7.5 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 5.58 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  42 months 0x30 positive mortgage payment history.
 
5000030625
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
- xxx Comments:  DTI at 29.58% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 48 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 7.08 years
 
5000030631
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
- xxx Comments:  37 DTI with a 43 MAX
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  zero late payments
 
5000030640
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
- xxx Comments:  Mortgage payment history of 54 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 18 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 62% below guideline requirements of 80%
 
5000030646
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
- xxx Comments:  667 QUALIFYING SCORE
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  16 + years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  10 + years at residence
 
5000030651
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
- xxx Comments:  CLTV- 62%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 48+ months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 7+ years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has worked 7+ years at current residence.
 
5000030654
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
- xxx Comments:  CLTV- 74%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has worked 14+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 701; Program min- 670
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 36.09%; Program max- 43%
 
5000030656
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
- xxx Comments:  Fico score 662 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 7 years at current job.
 
5000030664
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
- xxx Comments:  CLTV- 60.28%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 6+ years at current residence.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 743; Program min- 670
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 28.91%; Program max- 43%
 
5000030672
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
- xxx Comments:  Significant time at current residence 6.5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 2.25 years
 
5000030684
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
- xxx Comments:  Mortgage payment history of 40 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 22.19% below guideline requirement of 43%
 
5000030689
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
- xxx Comments:  CLTV- 41.97%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 5+ years at current residence.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 717; Program min- 640
 
5000030692
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
- xxx Comments:  Borrower has been with current employer for 12.92 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 43%.
 
5000030694
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
- xxx Comments:  Fico score 687 exceeds guidelines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 15 years at current job.
 
5000030704
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
- xxx Comments:  0x30 for 48+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 34+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 35.46%; Program max- 43%
 
5000030709
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
- xxx Comments:  LTV- 71.64%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 26+ years at current job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked 19+ years at current job
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60 months
 
5000030710
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
- xxx Comments:  CLTV 71.74%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Time at current res over 17 years
 
5000030711
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 -15.57%.12/27/2023 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 30+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 33.7%; Program max- 43%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 670; Program min- 640
 
5000030713
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
- xxx Comments:  715 QUALIFYING SCORE
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7 + YEARS AT RESIDENCE
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 30.36%
 
5000030714
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
- xxx Comments:  CLTV- 68.75%; Program max- 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 738; Program min- 640
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000030716
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
- xxx Comments:  0x30 for 36+ months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 13+ years at current job
 
5000030720
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
- xxx Comments:  DTI at 28.06% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 44 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 72% below guideline requirements of 80%
 
5000030722
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
- xxx Comments:  Significant time at current residence 13.17 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  39 months 0x30 positive mortgage payment history.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 10 years.
 
5000030736
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
- xxx Comments:  Significant time at current residence of 25.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 14 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 28% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 88 months exceeds guidelines of 12 months
 
5000030744
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
- xxx Comments:  DTI at 34.21% below guideline requirement of 43 %
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 42 months exceeds guidelines of 12 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 22.5 years
 
5000030748
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
- xxx Comments:  DTI at 30.17% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 10.5 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 37% below guideline requirements of 80%
 
5000030751
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
- xxx Comments:  5 years 7 months at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have 8 years at current home
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  9 years 7 months at current job
 
5000030755
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
- xxx Comments:  DTI 34.59% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 681 exceeds guidelines
 
5000030756
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
- xxx Comments:  B1 has worked for 15+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 694; Program min- 670
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 25.81%; Program max- 43%
 
5000030757
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
- xxx Comments:  Borrower has been with current employer for 12.92 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 43%.
 
5000030765
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
- xxx Comments:  Significant time at current residence of 34.08 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 10 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 68% below guideline requirements of 80%
 
5000030769
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)
5000030771
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Credit
Title
Satisfied
C
A
C
A
CRDTIL100
Potential title issue
No
Provide sufficient documentation that XXX judgment was cleared from Title
2.1.2024 Client provided LOX stating: From documents in DocManager: ''Title Commitment'' pages 24-25 indicate this judgment is in relation to the bankruptcy that was discharged by borrower. ''Bankruptcy Documents'' with comment ''order of discharge'' indicates that XXX was included in Bankruptcy. Additionally, document labeled ''Collection Judgment Payoff'' is a letter from XXX indicating no judgment. Please review and advise if these are sufficient.  Response, Per Bankruptcy papers in file appears this XXX was included (Year 11.30.2017) in addition file have a Letter from XXX stating her account as having a judgment against here, she never had a judgment against her from us.  Note:  This debt also reflects on credit as being in Chapter 7 Bankruptcy.
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  681 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  34.33 years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  26.17 years at residence
 
5000030771
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
Original AVM value is not supported by updated AVM with a -23.28% variance.1/22/2024 updated AVM received which supported original AVM.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  681 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  34.33 years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  26.17 years at residence
 
5000030777
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
- xxx Comments:  Fico score 663 exceeds guide lines.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Borrower has a satisfactory mortgage payment history for 64 months.
 
5000030778
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
- xxx Comments:  Borrower has been with current employer for 23.17 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 6.58 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 25 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 10% below guideline maximum of 43%.
 
5000030818
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)
5000030851
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
- xxx Comments:  Fico score 749 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 22 years at current job.
 
5000030865
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
- xxx Comments:  CLTV- 49.82%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 6+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 723; Program min- 640
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calculated DTI- 32.57%; Program max- 32.57%
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
5000030868
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
B2 is not searched on Title commitment
1.17.2024 Client provided LOX stating: We had this same finding on loan XXX. Since borrower 2 was added via deed, XXX indicated that the borrower would not be searched since they aren't yet on title. Any judgments, liens, etc. would not attach until after borrower recorded on title which would be after our lien position secured. Response, file have Clear to Close Certificate from XXX with vesting of both borrowers, B2 being added at closing and per guidelines (Title 4.6) all eligible borrowers must be on title, when not on title, the eligible borrower can be added at closing.
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  714 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  17 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  29 + years at job
 
5000030880
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  19 months 0x30 positive mortgage payment history.
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Significant total monthly debt reduction, total payoff amount equal to $34,235.00.
 
5000030883
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
- xxx Comments:  Fico score 746 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 17 years at current job.
 
5000030895
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
- xxx Comments:  Significant time at current residence of 8.17 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 36.53% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 25 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 62% below guideline requirements of 80%
 
5000030899
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 0x30 on current and previous mortgages
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  751 Credit Score
 
5000030901
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM value does not support original AVM value with a -14.33% variance. Updated AVM value does not support original AVM value with a -21.82% variance. Updated AVM value does not support original AVM value with a -14.33% variance. BPO received value not supported variance -22.12%.
1/18/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  53% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  793 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  5+ years at job
 
5000030903
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
- xxx Comments:  LTV- 62.99%; Program max-- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 8+ years at current job
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 48+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 30.85%; Program max- 43%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 701; Program min- 640
 
5000030924
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
- xxx Comments:  Fico score 701 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 30.33% is below lender's guide lines maximum.
 
5000030935
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
- xxx Comments:  Borrower has owned the subject property for 11.33 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 22.75 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 20% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 670.
 
5000030947
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  38 months 0x30 positive mortgage payment history.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  38 months 0x30 exceeds 24 month requirement.
 
5000030948
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 FOR 66 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  43.50% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  738 qualifying score
 
5000030949
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
- xxx Comments:  Significant time at current residence 4 years 6 months.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  19 months 0x30 positive mortgage payment history.
 
5000030955
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
- xxx Comments:  Reducing debt by $707.55/month.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 47 months of 0x30 on current mortgage
 
5000030959
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
- xxx Comments:  Median FICO is 20 points above guideline minimum.
 
5000030961
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
- xxx Comments:  Fico score 701 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 11 years at current job.
 
5000030968
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
- xxx Comments:  B1 has worked 14+ years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 712; Program min- 640
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 30.4%; Program max- 43%
 
5000030969
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
- xxx Comments:  Mortgage payment history of 19 months exceeds guidelines of 12 months
 
5000030974
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
- xxx Comments:  B1 has worked 19+ years at current job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 has worked 21+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 739; Program min- 670
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 31.33%; Program max- 43%
 
5000030976
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
- xxx Comments:  LTV- 68.26%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 14+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.33%; Program max- 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has live 7+ years at current residence
 
5000030977
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
C
A
B
B
C
B
A
A
C
B
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Fees/points exceed max allowable. Adjusted charges $1,792.11 (Origination fee $882.11, Underwriting fee $685 and Title Settlement fee $225) or 5.018%, max allowable is $1,785.86 or 5%, difference exceeds by $6.24.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV- 72.09%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 736; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.06%; Program max- 43%
 
5000030977
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
C
A
B
B
C
B
A
A
C
B
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5381
ILCK High-Cost Loan by exceeding APR threshold
No
High-Cost Loan - exceeds APR threshold by 0.466%. Max 8.000%. Subject test APR is 8.466%.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV- 72.09%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 736; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.06%; Program max- 43%
 
5000030977
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
B
A
A
C
A
B
B
C
B
A
A
C
B
B
B
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 -13.89%.12/27/2023 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV- 72.09%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 736; Program min- 670
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 36+ months
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.06%; Program max- 43%
 
5000030982
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 does not support the original AVM value with a -22.73% variance.1/09/2024 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 47.08 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 16.83 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
5000030991
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
- xxx Comments:  Significant time at current residence 6 years 5 months.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 14 years.
 
5000030998
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
Subject is in a PUD.  Provide documentation there is no HOA payment
2.1.2024 Client provided LOX stating: Please see attached doc. No HOA dues/payment supported by XXX lack of HOA dues as well. Response, no attached doc found.  Please re-send.  Condition remains 2/2 Client provided a XXX search showing no HOA dues for the SFR; additional due diligence search of XXX also support no HOA dues
Condition satisfied
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 33 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  35.50% DTI
 
5000031008
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
Appraisal
Satisfied
C
A
C
A
PRVAAPPR171
Subject Photos Unacceptable
No
Photos of subject do not match on the two reports in file.
1.17.2024 Client provided LOX in Collaborate stating: Please provide further clarification of what is needed. The AVM in the file appears to be a photo from before the home was built/developed. Off to the left side of that photo, you can see a home built but development appears in process. AVM document is also only used to obtain value. Pictures from exterior inspection are what is used to validate property. Inspector also provided address validation in the exterior inspection so we can be confident that property is accurate.  Response, Condition being satisfied with Both reports that are in file along with Client LOX from Collaborate.
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  725 qualifying score
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  34.99% qualifying DTI
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 50 months
 
5000031014
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
- xxx Comments:  Significant time at current residence of 5.42 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 31.53% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 36 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
5000031026
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
- xxx Comments:  Significant time at current residence 16 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  76 months 0x30 positive mortgage payment history.
 
5000031032
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM received which did not support the original AVM with a -10.02% variance.12/27/2023 updated AVM received which did not support original AVM value with a -13.29% variance.12/28/2023 updated AVM received which did not support original AVM value with a -10.02% variance.1.6.24 BPO received value not supported variance -19.32%.
 1/18/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying credit score of 654
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 79.24%
 
5000031045
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
- xxx Comments:  Borrower is saving $696.81/month
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 80 months of 0x30 on current mortgage
 
5000031046
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 37 months 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  38.72% DTI
 
5000031063
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
- xxx Comments:  Significant time at current residence 7 years 6 months.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  13 months 0x30 positive mortgage payment history.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 2.17 years.
 
5000031075
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
- xxx Comments:  Borrower has been at current employment over 10 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 36.18%
 
5000031076
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
- xxx Comments:  DTI at 35.48% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 23.92 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 23.92 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
 
5000031089
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
Provide 2022 W2
2.1.2024 Client provided 2022 w2 transcript that only supports about $690 a month in income appears to have been off from work in Year 2022 due to month income that is being used for qualifying is about $7,000 a month vs $690 a month.  Condition remains for explanation from borrower regarding employment dates to support stable income. 2/2 Client requested a review; upon review income calculated based on YTD Avg from Start date; meeting Lender GLs
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  695 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  HCLTV 72.90%
 
5000031089
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
CRDINC3204
Income Documentation Missing
No
Current employer to provide start date; required for accurate income calc.May be subject to additional conditions upon review.
2.1.2024 Client provided LOX stating: Achieve guidelines do not require verification of start date. Start date provided by borrower is usable when it comes to income calculations.  Response, it appears per the income worksheet start date is XXX which is showing on 1003 for previous employment w/XXX ending XXX however loan file have a previous VVOE w/XXX working from XXX; so don't appear started at new employment on XXX (per income calculation worksheet), in addition 2022 w2 transcript that was provided only shows income of $7,805 with XXX for Year 2022 however 1003 says been with XXX employment since Year XXX; it appears 1003 do not reflect all employment and dates and appears to be some gap in employment that is not addressed.   Condition remains  2/2 Client requested a review; upon review the income calculation method and start date used meets Lender GLs
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  695 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  HCLTV 72.90%
 
5000031089
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Title
Satisfied
C
A
C
A
CRDTIL100
Potential title issue
No
Provide sufficient documentation confirming XXX statement has been cleared from Title
2/2 Client provided Emails from the XXX to confirm the XXX is secured only by personal property and does not require subordination; Review of the XXX statement language confirms the filing is secured by equipment and personal property
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  695 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  HCLTV 72.90%
 
5000031099
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 is not supported by updated AVM with a -21.91% variance.1.22.2024 XXX AVM provided dated 12.7.2023 with estimated value $970,485; FSD 10 High Confidence 90%.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  669 qualifying score
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  > 7 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 5 years at residence
 
5000031109
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
- xxx Comments:  Fico score 676 exceeds guide lines.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has stable employment with 9 years in profession.
 
5000031112
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
- xxx Comments:  Significant time at current residence 20 years 9 months.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 32.58 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 32.58 years.
 
5000031117
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
- xxx Comments:  Borrowers reducing debt by $2,051.80/month
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  10.61% DTI
 
5000031127
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
- xxx Comments:  Fico score 705 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 25.43 is below lender's guide line maximum of 43%.
 
5000031128
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
- xxx Comments:  Mortgage payment history of 99 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 38.10% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 9.83 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 51% below guideline requirements of 80%
 
5000031129
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
- xxx Comments:  Mortgage payment history of 50 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.17 years
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession of 20 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 37.20% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 74% below guideline requirements of 80%
 
5000031137
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
- xxx Comments:  Over 4  years at subject property
 
5000031142
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
CRDINC888
Income Amount is  Unsupported by Documentation in File
No
Provide documentation that SSI on XXX account belongs to Borrower.
1.17.2024 Client provided LOX stating: Please see the bank statement for account XXX for 9/26/23 to 10/24/23 (attached). From here, we can see that only account owner is XXX and is receiving $1814 per month from SSA. Statement for account XXX from 10/25/23 to 11/22/23 (labeled Income from Pension in Doc Manager) also shows XXX only owner receiving $1814 from SSA. Since SSA is going into account only owned by XXX, we can assume that Robert is the one getting SSA income.  Response, appears XXX is in our borrower name and the other XXX is in both name, SSI deposit payment of $1,814 in #XXX appears to be for our borrower
Condition satisfied
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 21 months of 0x30 on current mortgage
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  706 credit score.  Min 600
 
5000031144
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
- xxx Comments:  Fico score 717 exceeds guide lines.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been living at current residence for 26 years.
 
5000031148
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
- xxx Comments:  CLTV- 75%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 23+ years at current job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 13+ years at current job
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qual score- 729; Program min- 670
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 30+ months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 27.66%; Program max- 43%
 
5000031156
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
- xxx Comments:  B1 has worked 21+ years at current job.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 5+ years at current residence.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 69 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 32.42%; Program max- 43%
 
5000031169
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 0x30 on current and previous mortgages
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrowers are reducing debt by $518.84/month
 
5000031170
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
- xxx Comments:  Significant time at current residence 5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 13.83 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 13.83 years.
 
5000031179
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
- xxx Comments:  Fico score 751 exceeds guide lines.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has a positive mortgage payment history which exceeds guide lines for 46 months.
 
5000031181
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
- xxx Comments:  Credit score 771  exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 34.36%  below guideline requirement
 
5000031183
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 received which did not support the original AVM value with a -25.54% variance.1/09/2024 updated AVM received which supported the original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 34.96% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 15.58 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 49 months exceeds guidelines of 12 months
 
5000031224
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
Credit
Application
Satisfied
D
A
D
A
CRDAPP130
Application is incomplete
No
Update application with correct # of dependent(s)
2.1.2024 Client provided LOX stating: Please see attached 1003 showing total of XXX dependent, age XXX.  Response, no updated 1003 was found.  Please re-send. 2.1.2024 Client provided updated 1003 with correct # of dependents XXX and age.
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  688 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 32 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  7 + years at job
 
5000031224
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
Waived
C
C
C
C
CRDINC150
Income docs do not meet guidelines
Yes
Child support has been used to qualify.Guidelines:"Child support, alimony, or maintenance income. In order to be used as income, child support, alimony or maintenance payments must reasonably be expected to continue for at least a XXX months. The following documentation is required:i. Copy of the full final divorce decree, legal separation agreement, a court order, or voluntary payment agreement which includes the birth dates of all children named in the decree, agreement, or court order - (date of birth not provided)ii. Copies of court records (met), bank statements, or canceled checks evidencing a minimum of three (3) months receipt of payments (bank statement must clearly show who the deposit is received from) (effective 11-8-2021)iii. child support income is non taxable and can be grossed up 25%b. Note: Appendix Q standards expect a 12-month period of receipt, but will accept less as long as the payers ability and willingness can be adequately documented."May be subject to additional conditions upon review.
2.1.2024 Client provided LOX stating: This finding is valid. UW did not get proof of 3 year continuance. Child is almost XXX there is no 3 year continuance. Please move this exception to waived. Response, If child is almost XXX than 3 year continuance is not supported, normally pays until child is XXX or unless in or going to College etc. if stated within Decree.  Guidelines states must reasonably be expected to continue for at least XXX months, etc.  Initial condition remains 2/1/2024 client acknowledged exception and requested waiver.
Condition waived.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  688 QUALIFYING SCORE
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 32 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  7 + years at job
 
5000031236
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 value $230,705 not supported by  3rd party valuation $194,0000 with variance of -15.90% exceeds 10% max threshold.2/02/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 72.01 % below guideline requirements
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have been owning the property >37 years.
 
5000031247
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
- xxx Comments:  DTI at 36.80% below guideline requirement of 43%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 9.67 years
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job of 17.92 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 31 months exceeds guidelines of 12 months
 
5000031255
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
Property submitted as a SFR; However, AVM indicates subject property is a Multi Family and the AVM indicates the property is a SFR with a coffee shop; Provide evidence to confirm SFR
1/25 Client responded that" title shows subject is a SFR and property inspection indicate a SFR"; upon review a property search report indicate subject is a SFR
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  17 years with XXX
 
CFCFS1736: Significant time at current residence
- xxx Comments:  11 years 5 months at current home
 
5000031271
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
- xxx Comments:  13.50%/48.58% LTV/CLTV.  Max 80%
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrowers are saving $266.91/month.
 
5000031284
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
A
C
C
A
A
D
C
D
A
C
C
A
A
Credit
Insurance
Satisfied
D
A
D
A
CRDINSR3278
Hazard Insurance documentation in file is incomplete
No
Homeowners insurance dec page is missing the premium amount.
2.1.2024 Client provided HOI continuation Notice (for subject) with premium $874/$72.83 month
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 75 points above guideline minimum of 640.
 
5000031284
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
C
D
A
C
C
A
A
D
C
D
A
C
C
A
A
Property Valuations
Value
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -25.98% variance.1.22.2024 XXX AVM provided dated 12.15.2023 with estimated value $166,414; FSD 14 Medium Confidence 86%.   Value not supported. Condition remains 1/23/2024 Original AVM value is not supported by updated AVM with a -23.43% variance.1.24.2024 BPO received with value of $165,000 -15.77% variance; value not supported.
1/31/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 75 points above guideline minimum of 640.
 
5000031287
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
- xxx Comments:  13.24%/54.90% LTV/CLTV
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  30.99% DTI
 
5000031297
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
- xxx Comments:  Significant time at current residence 6 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 12 years.
 
5000031299
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 FOR 99 MONTHS
 
CFCFS1736: Significant time at current residence
- xxx Comments:  21 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  At job XXX
 
5000031306
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 is 43%Qualifying DTI is 47.07%.Difference is in income amounts
2.1.2024 Client provided LOX stating Please advise on difference in income. Pension/retirement from XXX shows $3492 monthly. VA disability shows $3877.22 which is accurately grossed up to $4846.52 per guidelines. Social security is shown as $1476.70 so monthly income is $9815.22 and is supported by docs and guidelines. DTI should be 42.55%.  Response, Income (VA) have been updated using grossed up income for VA, updated DTI is now 44.19% appears difference is now the monthly debt of $190.44 a month per the Settlement Agreement (property settlement) that DD firm is considering in their DTI. 2/2 Client provided an LOX that the $190.44 settlement payment ends per the Divorce decree 11/2024; Loan was excluded as 10 payments remain; A review of the DD confirms 10 payments or less remain at Note date
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  751 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  9 + years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 60 months
 
5000031310
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
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000031317
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
D
A
D
A
CRDCRMH183
Credit report incomplete
No
12/19/23 report in file states it is a refresh report and does not reflect credit scores. Provide full CBR with scores, meeting guidelines. Subject to DTI recalc and review of max HCLTV, and may be subject to additional conditions upon review.
2.1.2024 Client provided LOX stating Credit report was versioned over. It has been split out and labeled ''Credit Report'' with comment of 10.26.23. Ready for review.  Response, Condition being satisfied with the Credit report provided dated 10.16.2023 (with fico scores)
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  57.06% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  15 + years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
5000031317
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Title
Satisfied
C
A
C
A
CRDTIL100
Potential title issue
No
Provide sufficient documentation that Involuntary Liens/Judgments from XXX XXX, has been cleared from title. May be subject to additional conditions upon review.
2.1.2024 Client provided LOX in Collaborate stating: From document ''Title Commitment'' pages 51-53, we can see that this is a foreclosure on property located at XXX Based on Fraud Report, this foreclosure occurred XXX. Since the foreclosure has occurred, property was already seized and the 7 year waiting period is complete. Please review and advise if this is sufficient or what other items may be needed.  Response, it does appears per the Fraud report in file (pg. 14) that this was a NOD Foreclosure on XXX and have been 7 years since completion, in which is within guidelines 7 years for Foreclosure (XXX).  Subject Note date XXX
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  57.06% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  15 + years at residence
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
5000031319
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
- xxx Comments:  29.08% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  19.5 years at residence
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  18 + years at job
 
5000031321
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
- xxx Comments:  LTV- 44.58%; Program max- 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  0x30 for 99+ months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived for 8+ years at current residence
 
5000031328
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
- xxx Comments:  DTI at 34.68% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 41 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 59% below guideline requirements of 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 8.92 years
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.58 years
 
5000031333
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
- xxx Comments:  DTI 24.80% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 40.30% below guideline requirements
 
5000031335
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS2860: Good credit history
- xxx Comments:  Fico score 694 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 35.12 is below lender's guide line maximum.
 
5000031339
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
- xxx Comments:  Significant time at current residence 25.67 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 809 exceeds guidelines
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  19 months 0x30 positive mortgage payment history.
 
5000031344
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
- xxx Comments:  752 Qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 30 months
 
5000031347
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
- xxx Comments:  Significant time at current residence of 8.33 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 7.42 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 37.30% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 75% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 91 months exceeds guidelines of 12 months
 
5000031359
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -17.17% variance.1.22.2024 XXX AVM provided dated 12.18.2023 with value $151,147; FSD 0.15 and Medium Confidence 85%; value not supported. Condition remains  1/22/2023 Updated AVM received which did not support the original AVM with a -17.76% variance.1.24.2024 BPO provided dated 1.23.2024 with as is value of $136,000 variance -19.53%; value not supported.
1/31/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.5 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 21.83 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 69% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 56 months exceeds guidelines of 12 months
 
5000031361
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
- xxx Comments:  Significant time at current residence of 6 years
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession of 8 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 50 months exceeds guidelines of 12 months
 
5000031363
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
- xxx Comments:  Fico score 682 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 64.18% is below lender's guide line maximum.
 
5000031364
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Adjusted Charges total $1,624.85 (5.305%). Max allowed Charges $1,531.34 (5.000%). Charges exceed max by $93.51.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 30.95%  below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 60.82% below guideline requirements
 
5000031367
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
- xxx Comments:  LTV- 63.90%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 6+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 30.45%; Program max- 43%
 
5000031393
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
- xxx Comments:  Significant time at current residence of 5.42 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 11.83 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 34 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 25.84% below guideline requirement of 43%
 
5000031399
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
- xxx Comments:  Fico score 716 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 19.12 is below lender's guide line maximum.
 
5000031408
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
- xxx Comments:  LTV at 63% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 68 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 6.33 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 14.33 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 38.29% below guideline requirement of 43%
 
5000031416
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 is not supported by updated AVM with a -10.75% variance.1.22.2024 XXX AVM provided dated 12.20.2023 with estimated value $224,364; FSD 12 High Confidence 88%.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 18.50% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 74.56% below guideline requirements
 
5000031426
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
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 75 points above guideline minimum of 640.
 
5000031429
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
- xxx Comments:  Borrower has been with current employer for 19.92 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrowers have owned the subject property for 11.92 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000031435
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Original AVM value is not supported by updated AVM with a -18.50% variance.1.22.2024 XXX AVM provided dated 12.21.2023 with value $135,096; FSD 15 and Medium Confidence 85%.           Value not supported.  Condition remains 1/22/2024 updated AVM received which did not support the original AVM value with a -22.96% variance.1.24.2024 BPO provided dated 1.23.2024 with as is value of $148,000 variance -17.37%; value not supported.
1/31/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV- 66.60%; Program max- 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  B1 has lived 7+ years at current residence.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 25.84%; Program max- 43%
 
5000031442
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
- xxx Comments:  Credit score 746 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 41.10% below guideline requirement
 
5000031457
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
- xxx Comments:  677 QUALIFYING SCORE
 
CFCFS1736: Significant time at current residence
- xxx Comments:  30 + years at residence
 
5000031462
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 exclusion of REO, XXX, from DTI and 1003. REO located on page 13 of Fraud Report. May be subject to additional conditions upon review.
2.1.2024 Client provided LOX stating uploaded updated 1003 however no upload was found, please re-send.  Condition remains2/2 Client provided an updated 1003 including Land REO at XXX with TI payment of $25.47; condition remains for supporting docs for $305.64 TI calculation of $25.47 2/6 Client provided an Email; upon review the file has a tax information sheet supporting the tax calculation
Condition satisfied
(No Data)
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  8+ YEARS AT RESIDENCE
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  17 + years at job
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 99 months
 
5000031470
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
- xxx Comments:  Significant time at current residence 4 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 3.92 years.
 
5000031473
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
- xxx Comments:  Significant time at current residence of 11 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 15.17 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 33 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 73% below guideline requirements of 80%
 
5000031478
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
- xxx Comments:  Significant time at current residence 12.58 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 22.25 years.
 
5000031483
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 not supported, FSD 19 exceeds maximum of 18.2/02/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence 8.92 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 6 years.
 
5000031489
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
- xxx Comments:  Borrower has stable employment with 23 years at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 25.66% is below lender's guide line maximum of 43%.
 
5000031490
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
- xxx Comments:  Credit score 778 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 71.40% below guideline requirements
 
5000031491
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
- xxx Comments:  Fico score 710 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 57.10 is below lender's guide line maximum of 80%.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  71 months mortgage payment history exceeds lender's guide line.
 
5000031492
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
CRDINC3204
Income Documentation Missing
No
Lender used YTD average of 6.2 months to calculate qualifying income based on start date with current employer of XXX.  File is missing verification of the start date.
2.1.2024 Client provided LOX stating: Achieve guidelines do not require verification of start date. Start date provided by borrower is usable when it comes to income calculations.  Response, Client provided VVOE verifying borrower employment start date XXX
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 25 points above guideline minimum of 640.
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Consumer debt paid off with subject transaction will result in net monthly savings of $1,866.61.
 
5000031494
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
- xxx Comments:  Significant time at current residence 6 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 16 years.
 
5000031523
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
- xxx Comments:  Credit score 717 exceeds guideline
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 34.61% below guideline requirement
 
5000031540
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
- xxx Comments:  Borrower has owned the subject property for 17.83 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 18.83 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 50 points above guideline minimum of 640.
 
5000031542
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 not supported -33.11%, pending additional 3rd party product. 1.22.2024 XXX AVM provided dated 12.27.2023 with estimated value $556,808; FSD 0.06 High Confidence 94%.     Value supported.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 688 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 37.91% below guideline requirement
 
5000031544
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 24 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26% DTI
 
5000031548
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
- xxx Comments:  Fico score 652 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 6 years at current job.
 
5000031556
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
- xxx Comments:  Significant time at current residence of 8.33 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 11.33 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 57% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 28 months exceeds guidelines of 12 months
 
5000031559
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Valuation out of tolerance by -28.11%2/02/2024 Updated AVM received which did not support the original AVM value with a -22.05% variance.2/05/2024 Updated AVM received which did not support the original AVM value with a -28.12% variance..BPO value not supported -27.12% variance
2/22 client acknowledged exception and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  DTI 34.14%
 
CFCFS2860: Good credit history
- xxx Comments:  Good credit and mortgage history 681 credit score
 
5000031564
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Adjusted Charges 1465.82; Total Loan Amount XXX Max Charges 5.000% / 1101.29; Charges Margin to Threshold 364.53; Total Charges 6.655%; Yes, Exceeds fees test threshold.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 707 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI  below guideline requirement
 
5000031564
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5381
ILCK High-Cost Loan by exceeding APR threshold
No
Benchmark Term 120; Benchmark Date 12/28/23; Test APR 14.392; Benchmark Rate 6.750; Benchmark/APR Variance 7.642; Rate Spread Trigger 3.5000%; Yes, Violates QM higher priced covered threshold.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 707 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI  below guideline requirement
 
5000031567
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
- xxx Comments:  775 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 28 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  9.75 years at job
 
5000031569
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
- xxx Comments:  LTV- 50.67%; Program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 19+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 38.36%; Program max- 43%
 
5000031576
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
- xxx Comments:  Credit score 759 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI  28.15% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 69.57%  below guideline requirements
 
5000031578
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
Provide LOE why DOE debt of $158,651 has been omitted from DTI.Additional conditions may apply
2.10.2024 Lender provided LOX stating: Please see ''Student Loan Deferment Forbearance'' in DocManager. Borrower provided student loan statement and verification of Income Driven Repayment Plan where monthly payment is $0. Since documentation supports $0 payment based on new XXX plan, $0 payment would be used for student loan. Response, Agree that documentation is in file however, per Achieve guidelines student loans (including accounts that are deferred) must be included in the DTI unless 10 or fewer monthly payments remaining.  Initial condition remains 2.12.2024 Client provided LOX stating: Achieve guidelines state ''For all student loans, Achieve Loans will use the stated payment on the credit report - if not stated then we will use .75% of the unpaid balance. A statement from the creditor showing the payment amount required once the loan is out of deferral is also acceptable in lieu of using .75% of the balance. (effective 11/8/2021)'' Since we have documentation of current payment of $0, we meet current requirement. Additionally, XXX supports using $0 for monthly payment if supported by income repayment plan. Since guidelines are met to use $0, please advise what you would need since we are allowed to use $0 for payment since supported by Income Based repayment plan.  Response, I have discussed further with Team Lead and condition remains following Achieve guidelines even though deferred must be included in DTI unless 10 or fewer monthly payments.  Initial condition remains 2.12.2024 Client provided LOX stating Updated 1003 in DocManager showing the student loan on 1003. Student loan payment as supported by documentation will be $0 as supported by Achieve guidelines and XXX guidelines. If this is not acceptable, please escalate based on prior disputes/responses.  Response, received updated 1003 with adding student loan in liabilities with $1.00 payment and balance $158,651; this have been discussed with Team Lead (per my prior update) and the initial condition remains per discussion,  following Achieve guidelines. 2.13.2024 Client provided LOX for further assistance regarding using $0 payment for student loan debt w/balance of $158,651 in which was omitted from DTI.  Upon further review with Management accepting the XXX documentation in file verifying borrower new payment amount is $0 for up to 12 months beginning on 9.28.2023 and loan file having this debt reflected on the final updated 1003 with $0 monthly payment.
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  11.96%/76.86% LTV/CLTV
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been same employer for over 7 years
 
5000031582
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
- xxx Comments:  25.69%/68.49%  LTV/CLTV
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  37.61% DTI
 
5000031583
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
- xxx Comments:  B1 has worked 5+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 37.11%; Program max- 43%
 
5000031586
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
- xxx Comments:  Mortgage payment history of 37 months exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 25.19% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 47% below guideline requirements of 80%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 24.42 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 24.92 years
 
5000031594
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
- xxx Comments:  LTV- 72.85%; program max- 80%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  B1 has worked 16+ years at current job
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  Calc DTI- 32.98%; Program max- 32.98%
 
CFCFS1742: Consumer credit history exceeds guidelines
- xxx Comments:  0x30 for 60+ months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qua score- 730; Program min- 670
 
5000031607
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
- xxx Comments:  Significant time at current residence of 5.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 8.25 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 68 months exceeds guidelines of 12 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 59% below guideline requirements of 80%
 
5000031609
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 reflects -11.2318% variance 2/02/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 36 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  17.5 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  5.5 years at residence
 
5000031614
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
- xxx Comments:  DTI 38.40%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying credit score of 697
 
5000031623
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
AVM not supported variance -14.05% pending additional 3rd party product.1/22/2023 updated AVM received which did not support the original AVM value with a -14.04% variance.1/22/2023 updated AVM received which did not support the original AVM value with a -12.94% variance.1.24.2024 BPO provided dated 1.23.2024 with as is value $390,000 variance  -12.04%; Value not supported.
1/31/2024 client acknowledged exception and requested a waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 666 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 32.71 is below lender's guide line maximum of 43%.
 
5000031625
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
- xxx Comments:  Borrowers have owned the subject property for 17.58 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 13.08 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 28.33 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 25% below guideline maximum of 43%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 40 points above guideline minimum of 640.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
5000031633
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
- xxx Comments:  Fico score 709 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 25 years at current job.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV of 22.87 is below lender's guide line maximum of 80%.
 
5000031645
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
- xxx Comments:  Significant time at current residence 6.5 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 9.42 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 9.42 years.
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  74 months 0x30 positive mortgage payment history.
 
5000031654
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
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
5000031685
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
- xxx Comments:  Fico score 702 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 17 years at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 16.98 is below lender's guide line maximum of 43%.
 
5000031691
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Adjusted Charges total $1,831.23 (5.111%). Max allowed Charges total $1,791.61 (5.000%). Charges exceed max by $39.62.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 21 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 24.72 is below lender's guide line maximum of 43%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 663 exceeds guide lines.
 
5000031691
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5381
ILCK High-Cost Loan by exceeding APR threshold
No
Rate for the APR test is 13.752% (Benchmark Date 12/15/23). Benchmark Rate is 3.910%. Difference of 9.842% exceeds the max tolerance of 8.000%.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment for 21 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 24.72 is below lender's guide line maximum of 43%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 663 exceeds guide lines.
 
5000031699
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
- xxx Comments:  Significant time at current residence of 13.75 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 22.67 years
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 97 months exceeds guidelines of 12 months
 
5000031707
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
- xxx Comments:  747 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  51.40% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 10 years at residence
 
5000031712
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Credit
Terms/Guidelines
Satisfied
C
A
C
A
CRDTER3122
Loan documents do not meet guideline requirements
No
HOA amount is documented by Underwriter statement and is not executed
2.9.2024 Lender provided LOX stating Executed UW Cert is now present in Doc Manager. Please see document ''Homeowners Association Information'' with comment ''UW Cert Executed''.  Response, received signed UW Cert verifying $42 a month on subject.
Condition satisfied
(No Data)
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 > 24 Months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  16 years at job
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 14 years at residence
 
5000031745
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
- xxx Comments:  35.08% DTI
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  25.89%/70.66% LTV/CLTV
 
5000031751
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 reflects -17.3330% variance 2/02/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  703 QUALIFYING SCORE
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  59.35% HCLTV
 
CFCFS1736: Significant time at current residence
- xxx Comments:  8 years at residence
 
5000031757
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
- xxx Comments:  Fico score 793 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 17 years at current job.
 
5000031761
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
- xxx Comments:  Fico score 696 exceeds guide lines.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has stable employment with 8 years at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 31.46 is below lender's guide line maximum of 43%.
 
5000031765
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 Final Tile showing Judgment removed.
2.26.2024 Client provided LOX stating Title management reviewed the ''Bankruptcy Documents'' uploaded into DocManager and determined this was sufficient. Please review and advise if this is sufficient or if other items would be needed. Response, Client provided evidence BK was discharged 2012 and provided copy of the BK papers that list this judgment being included w/Midland, this judgment is on title with recorded date 2012 and file have an LOX email from borrower stating this was included in Bankruptcy.  Condition being satisfied with documentation (Bankruptcy papers and evidence being discharged) this judgement was included in the BK
Condition satisfied
(No Data)
Not Applicable
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Borrower has 28 months of 0x30 on current mortgage
 
CFCFS1745: Significant total monthly debt reduction
- xxx Comments:  Borrower is saving $587.50/month
 
5000031774
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
- xxx Comments:  716 qualifying score
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  29.90% DTI
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  10 + years at job
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 31 months
 
5000031795
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
1/8/24 AVM states there are  HOA fees on subject, but does not state amount. Provide sufficient documentation supporting amount. Subject to DTI recalc and may be subject to additional conditions upon review.
2.9.2024 Lender provided LOX stating Please see ''Title Commitment'' document in DocManager. Atlas indicates that Property type is SFR under order information. Since property is SFR, there would be no mandatory HOA dues.  Response, Agree and per Legal description don't appear to be in an HOA
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  715 qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  15.75 years at job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  8.5 years at job
 
5000031811
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
- xxx Comments:  65.48% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  729 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 40 for 49 months
 
5000031812
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
- xxx Comments:  Credit score 705 exceeds guidelines
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in profession for >22 years
 
5000031819
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
- xxx Comments:  Qualifying credit score of 666
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 17.38%
 
5000031822
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
- xxx Comments:  CLTV  62.46% below guideline requirements
 
CFCFS2854: Significant time in profession
- xxx Comments:  Borrower has been in profession > 15 years.
 
5000031826
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
- xxx Comments:  679 credit score.  Min 640
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrowers have 0x30 on current and previous mortgages
 
5000031832
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
- xxx Comments:  Fico score 736 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 66.67% is below lender's guide line maximum of 80%.
 
5000031837
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
- xxx Comments:  Significant time at current residence 20 years 7 months.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 15.67 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 15.67 years.
 
5000031841
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
- xxx Comments:  Significant time at current residence 5.75 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 11.83 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 21.58 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 21.58 years.
 
5000031843
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 27 months of 0x30 on current mortgage
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 6 years
 
5000031866
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
- xxx Comments:  66.02% LTV below guideline requirements of 80% per program
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 727 is 57 points above program guideline minimum of 670.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.60% DTI is below guideline requirement of 43%.
 
5000031872
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
- xxx Comments:  65.28% LTV below guideline requirements of 80% per program.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  70 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
 
5000031874
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
- xxx Comments:  58.92% LTV below guideline requirements of 80% per program
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 24 years and 7 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 704 is 64 points above program guideline minimum of 640
 
5000031882
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
- xxx Comments:  43.10% HCLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 40 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  11.24% DTI
 
5000031890
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 is not supported by updated AVM with a -17.07% variance.2/20/2024 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 32.22%
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  B2 at current employment 19 years
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying credit score of 704
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 55..04%
 
5000031898
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 negative 10.39% variance from the original AVM. 2/02/2024 Updated AVM received which did not support the original AVM value with a variance of -13.19%.2/05/2024 Updated AVM received which did not support the original AVM value with a variance of -10.39%.
2/7 Client provided a XXX by BPO supporting the appraised value with a -9.31 variance
Condition satisfied
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 25.26% below guideline requirement of 43%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 10.92 years
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Positive mortgage payment history of 15 months
 
5000031902
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
Provide sufficient documentation for B2's start date at current job; required for accurate income calc. May be subject to additional conditions upon review.
2.9.2024 Lender provided VVOE verifying employment start date of XXX (less than 1 year)
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  742 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 38 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 19 years at residence
 
5000031906
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 20 for 26 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  > 11 years at residence
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  645 qualifying score
 
5000031913
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
                              
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Borrower has 33 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  37.54% DTI
 
5000031916
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
- xxx Comments:  Credit score 717  exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 60.65%  below guideline requirements
 
5000031921
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
- xxx Comments:  659 Qualifying score
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  At job since XXX
 
5000031931
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
- xxx Comments:  699 QUALIFYING SCORE
 
CFCFS2854: Significant time in profession
- xxx Comments:  B1 > 8 years same line of work
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 > 30 months
 
5000031937
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
- xxx Comments:  Fico score 705 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 66.99% is below lender's guide line maximum of 80%.
 
5000031943
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
- xxx Comments:  CLTV > 20% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
5000031946
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
- xxx Comments:  DTI at 36.27% below guideline requirement of 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV AT 48% below guideline requirements OF 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 58 months exceeds guidelines of 12 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence of 5.17 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 13.42 years
 
5000031976
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
- xxx Comments:  Borrowers have owned the subject property for 23 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 15.42 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 6.42 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 5% below guideline maximum of 80%.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 15% below guideline maximum of 43%.
 
5000031987
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
- xxx Comments:  70.22% hcltv
 
CFCFS1736: Significant time at current residence
- xxx Comments:  11 + years at residence
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  23.81% DTI
 
5000031999
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
A
A
A
A
D
A
D
A
A
A
A
A
D
A
Compliance
Documentation
Satisfied
D
A
D
A
CMPDOC225
Missing Rider
No
2 Notary pages in file.   One has 1-4 Family Rider Checked and no Rider in file.  Provide LOE explaining or corrected DOT with letter of intend to re-record for review.  Additional conditions may apply.
02/20/2024 Client provided recorded Mortgage on 2/7 that includes 1 Notary page listing no Riders.
Condition Satisfied.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 28 years and 6 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence; 5 years and 5 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 720 is 80 points above program guideline minimum of 640.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  75 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
 
5000032004
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
- xxx Comments:  Credit score 779 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI  33.64% below guideline requirement
 
5000032021
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
- xxx Comments:  Borrower has been with current employer for 5.83 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-borrower has been with current employer for 6 years.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 5% below guideline maximum of 43%.
 
5000032037
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
- xxx Comments:  Significant time at current residence 8.5 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 10.42 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 10.42 years.
 
5000032047
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
- xxx Comments:  Significant time at current residence of 13.58 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 10 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 57% below guideline requirements of 80%
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  Positive mortgage payment history of 20 month 0/30.
 
5000032048
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
- xxx Comments:  Borrower has stable employment with 29 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 651 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 26.43% is below lender's guide line maximum of 43%.
 
5000032051
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
- xxx Comments:  Credit score  689 exceeds guidelines
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 36.04%  below guideline requirement
 
5000032063
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 dated 1/17/24 with value $688,409 with updated AVM dated 2/2/24 with value $582,000.2/02/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 685 exceeds guide lines.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 61.87& is below lender's guide lines maximum of 80%.
 
5000032065
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
Updated valuation is -21.18% variance 2/02/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 X 30 For 55 months
 
5000032075
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
- xxx Comments:  69.32% LTV below guideline requirements of 80% per program
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence; 9 years and 9 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 11 years and 5 months
 
5000032085
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 sufficient documentation supporting $25.00 monthly HOA as stated by Borrowers on 1003.
2.9.2024 Lender provided LOX stating UW used $0 for HOA dues for qualification as AVM and document ''Homeowners Association Information'' supports $0 in HOA dues. Please see uploaded final 1003 showing final value for HOA was at $0Response, Lender stated see updated 1003 showing $0 HOA, (1). further explanation needed for removal of $25.00 if borrower stated they pay monthly HOA of $25.00; provide LOX from borrower stating no monthly HOA and (2). did not receive the updated 1003. Please provide both 2.14.2024 Lender provided updated 1003 however 1003 provided still reflects $25.00 in two areas of the 1003; in present housing reflects $25.00 and in REO of 1003 reflect $25.00; condition remains to provide updated 1003 removing HOA of $25.00 if stating not applicable or provide the documentation to support the monthly $25.00 listed on the 1003 (present housing and REO).  2.15.2024 Lender provided updated 1003 reflecting no monthly HOA
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  67.64% hcltv
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7 years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  7.5 years at job
 
5000032106
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
- xxx Comments:  Significant time at current residence 13.75 years.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job 5 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 5 years.
 
5000032149
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Adjusted Charges total $1,494.38 (6.729%). Max allowed Charges total $1,110.41 (5.000%). Charges exceed max by $383.97.
02/13/24 Client provided approved exception.
Final Grade B.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 31.25 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 6.25 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 20% below guideline maximum of 43%.
 
5000032149
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Compliance
State Consumer Protection
Satisfied
D
A
D
A
CMPSTCP2057
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
No
Missing the IL Certificate of Compliance or Certificate of Exemption for the subject transaction.
2.12.2024 Client provided Certificate of Exemption for subject
Condition satisfied
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has been with current employer for 31.25 years.
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has owned the subject property for 6.25 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV > 15% below guideline maximum of 80%.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO > 100 points above guideline minimum of 640.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI > 20% below guideline maximum of 43%.
 
5000032156
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
- xxx Comments:  Significant time at current residence 6.33 years.
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job 12.92 years.
 
CFCFS2854: Significant time in profession
- xxx Comments:  Significant time in profession 12.92 years.
 
5000032158
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Credit
Credit/Mtg History
Satisfied
C
A
C
A
CRDCRMH1805
Debts/obligations not disclosed/accounted for at origination
No
Page 15 of LoanSafe Fraud Manager report reflects undisclosed REO: XXX. B1 is reflect as Third Owner on report. Provide documentation supporting exclusion form DTI and 1003.May be subject to additional conditions upon review.
3.7.2024 Client provided LOX stating, see warranty deed attached in FOCUS. Borrower is beneficiary of life estate only. No current ownership.  Response warranty received to verify no ownership and property being in Life Estate, our borrower is 3rd owner listed on this property, appears to be 4 owners.
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  675 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  22 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  9 + years at job
 
5000032158
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
CRDINC150
Income docs do not meet guidelines
No
B1 two page 'Manage Expenses / Report Library' used for mileage, does not reflect B1's name or company name. Paystub line item reflecting 'other' was used for mileage, though can not tie 'other' into report above due to missing company name/ borrower name. Provide documents completely sourcing most recent 12 months mileage, meeting requirements. Subject to income recalc and may be subject to additional conditions upon review.
3.7.2024 Client provided LOX stating, mileage income was not used for qualification. Please see updated 1003 attached in FOCUS. Response, upon review of updated 1003 with removing mileage income, appears B1 income is now $5,305.37 vs $5,283 and appears B2 1st job income is now $5,885.12 vs $5,471; provide updated calculation for increase updated income that is now reflected on updated 1003 for both borrowers, (2nd job income no issue, that income still the same).  Upon receipt and review, re calculation of both borrowers 1st employment is needed.3/8 client provided an Email upon review the income WS in file supports Borrowers2  1st employment $5885. amd B1 $5305
Satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  675 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  22 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  9 + years at job
 
5000032158
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
CRDINC3204
Income Documentation Missing
No
Provide 2023 w2 or XXX y/e paystub for B1.Subject to full income recalc and may be subject to additional conditions upon review.
3.6.2024 Client provided LOX stating Borrower 1 is XXX Per paystubs, borrower is paid bi-weekly. Paystub uploaded Feb 12 is for pay period 12/4/23 - 12/17/23 with pay date of 12/22/23. Due to bi-weekly pay period, there is no paystub for 12/31/23. 12/22/23 would be year end paystub for borrower. No additional documentation for B1 would be required as this gives year end info.  Response, accepting 12.17.2023 period ending paystub in file with pay date of 12.22.2023 as the ending 2023 paystub, in lieu of 2023 w2
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  675 qualifying score
 
CFCFS1736: Significant time at current residence
- xxx Comments:  22 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  9 + years at job
 
5000032163
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
- xxx Comments:  Borrower has significant time at current job; 23 years
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence; 23 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  66.51% LTV below guideline requirements of 80% per program
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 716 is 46 points above program guideline minimum of 670.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  39.44% DTI is below guideline requirement of 43.00%.
 
5000032167
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
- xxx Comments:  702 QUALIFYING SCORE
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7 years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  12 years at job
 
5000032169
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
- xxx Comments:  Significant time at current residence; 19 years; 9 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 16 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  44.57% LTV below guideline requirements of 80% per program
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 703 is 33 points above program guideline minimum of 670.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  99 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
 
5000032170
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
- xxx Comments:  Borrower has significant time at current job; 8 years
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job; 37 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  63.67% LTV below guideline requirements of 80% per program.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  20.54% DTI is below guideline requirement of 45%.
 
5000032174
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
- xxx Comments:  Borrower has been with current employer for 23.58 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score of 713 is 73 points above the minimum required score of 640.
 
5000032181
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
- xxx Comments:  DTI 31.14%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 78%
 
5000032188
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
- xxx Comments:  DTI 21.96% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 51.18 % below guideline requirements
 
5000032202
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
- xxx Comments:  50.60% LTV below guideline requirements of 80% per program.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 775 is 105 points above program guideline minimum of 670.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  39 months with 0x30 Mortgage payment history exceeds guidelines of 12 months
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  38.07% DTI is below guideline requirement of 43%.
 
5000032243
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
- xxx Comments:  DTI 26.71%  below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 73.80% below guideline requirements
 
5000032246
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
- xxx Comments:  Mortgage payment history of 28 months exceeds guidelines of 12 months
 
CFCFS2860: Good credit history
- xxx Comments:  Borrower has been in file for 180 months 0/30 pay history.
 
5000032254
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
- xxx Comments:  DTI 32.15%  below guideline requirement.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 672 exceeds guidelines
 
5000032257
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 is not supported by updated AVM with a -14.09% variance.2/20/2024 updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence; 6 years; 6 months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  72 months with 0x30 Mortgage payment history exceeds guidelines of 24 months
 
5000032272
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
- xxx Comments:  Borrower has significant time at current job; 18 years and 1 month
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 722 is 82 points above program guideline minimum of 640
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  33 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
 
5000032280
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
- xxx Comments:  Significant time at current residence of 6.08 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job of 7.33 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 36.49% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 71 months exceeds guidelines of 12 months
 
5000032290
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
- xxx Comments:  28.57% dti
 
5000032332
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
- xxx Comments:  18 + years at residence
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  16 + years at job
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  17 + years at job
 
5000032335
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
- xxx Comments:  DTI 37.52%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower at current employment 7 years
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co borrower at current employment 8 years
 
5000032341
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
Appraisal
Satisfied
C
A
C
A
PRVAAPPR171
Subject Photos Unacceptable
No
Subject photos on PCI and AVM do not match; appear to be different properties.
2.19.2024 Client provided LOX stating: Agile Insight photo appears to be a computer generated model of the home prior to construction. exterior inspection shows address verification photos and is same type of model of home in the Agile Insights photo but does not appear computer generated. This finding should be satisfied based on address verification photos provided on exterior inspection. Response, Subject was new construction Year 2021 and do appear to be model of the home, file have an exterior inspection with same subject address with photo of subject property.  Accepting documentation in file with Lender LOX along with exterior inspection having a photo of subject new construction property
Condition satisfied
(No Data)
Not Applicable
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  703 qualifying score
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 30 months
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  8 + years at current job
 
5000032364
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
- xxx Comments:  64.16% HCLTV
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  715 qualifying score
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  10 years at job
 
5000032366
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
- xxx Comments:  Median FICO of 716 is 76 points above program guideline minimum of 640.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  29 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 6 years and 5 month
 
5000032425
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
- xxx Comments:  DTI 42.84%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Qualifying score 778
 
5000032428
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
- xxx Comments:  Borrower has 46 months of 0x30 on current mortgage
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.77% DTI
 
5000032441
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 not supported variance -18.47%
(No Data)
(No Data)
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 11 years; 9 months
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  25 months with 0x30 Mortgage payment history exceeds guidelines of 12 months
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 713 is 43 points above program guideline minimum of 670.
 
5000032460
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 is not supported by updated AVM with a -13.48% variance.2/20/2024 Updated AVM received which supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV  59.23% below guideline requirements 80.00%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been owning the residence for 16 years.
 
5000032478
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
- xxx Comments:  Borrower has been owning the residence >32 years.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV  60.07% below guideline requirements
 
5000032527
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
- xxx Comments:  Credit score 732 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 64.31% below guideline requirements
 
5000032539
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
- xxx Comments:  Borrower has stable employment with 8 years at current job.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Fico score 763 exceeds guide lines.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 27.99 is below lender's guide line maximum of 43%.
 
5000032550
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
- xxx Comments:  DTI 31.04% below guideline requirement
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 23.78% below guideline requirements
 
5000032553
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
- xxx Comments:  Significant time at current residence; 45 years and 1 month
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 21 years and 7 months
 
5000032588
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
- xxx Comments:  Significant time at current residence of 6.83 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV at 19% below guideline requirements of 80%
 
5000032609
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
- xxx Comments:  8.99%/28.43% LTV/CLTV.  Max CLTV 80%
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  746 credit score.  Min 600
 
5000032686
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5380
ILCK High-Cost Loan by exceeding points and fees threshold
No
Adjusted Charges$1,868.96Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$1,859.57Charges Margin to Threshold$9.39Total Charges %5.025%Exceeds fees test threshold? Yes
3/15/2024 client acknowledges exception.
Condition waived.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 11 years and 1 month
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.86% DTI is below guideline requirement of 43%.
 
5000032686
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
Compliance
County High Cost
Waived
B
B
B
B
CMPCHC5381
ILCK High-Cost Loan by exceeding APR threshold
No
Adjusted Charges$1,868.96Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$1,859.57Charges Margin to Threshold$9.39Total Charges %5.025%Exceeds fees test threshold? Yes
3/15/2024 client acknowledges exception.
Condition waived.
(No Data)
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 11 years and 1 month
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.86% DTI is below guideline requirement of 43%.
 
5000032686
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
Property Valuations
Value
Satisfied
A
A
B
B
PRVAVALU5249
Property Value Not Supported
No
Updated AVM does not support original AVM value with a variance of -21%.3/01/2024 updated AVM received which supported origination value.
(No Data)
Condition satisfy.
Not Applicable
Not Applicable
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 11 years and 1 month
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  26.86% DTI is below guideline requirement of 43%.
 
5000032694
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
- xxx Comments:  LTV at 66% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 31 months exceeds guidelines of 12 months
 
5000032697
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
- xxx Comments:  DTI 39.82%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  CLTV 57.82%
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Over 13 years at current residence, (subject)
 
5000032728
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
- xxx Comments:  72.81% LTV below guideline requirements of 80% per program
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence; 24 years
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower has significant time at current job; 9 years and 2 months
 
5000032736
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
- xxx Comments:  36.15% DTI.  Max 43%
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  13.80%/69.91% LTV/CLTV.  Max 80%
 
5000032749
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
- xxx Comments:  LTV at 73% below guideline requirements of 80%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 47 months exceeds guidelines of 12 months
 
5000032784
XXXXXX
XXXXXX
(No Data)
ATR/QM: Exempt
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Credit
Application
Satisfied
D
A
D
A
CRDAPP130
Application is incomplete
No
Provide updated 1003 reflects each borrower own income for each business, appears Client is lumping B1/B2 income together for $9,660.75 for business XXX.  1. Each borrower income should be $4,830.38 and 1003 to included XXX business on her (B1) side of employment. 2. XXX to be listed on 1003 for B1 with loss of -$795.29 in which is being considered however each business should be listed and each business income should be listed.
4/11 Client provided a revised 1003 with income itemized as "other for B1"
Condition satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 38.20% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 754 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 5.67% / 44.20% CLTV below guideline requirements
 
5000032784
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
B
B
B
B
CRDINC2496
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
No
XXX are receiving XXX income from3rd party SOS in file however not dated.  Provide 3rd party SOS dated before Note date
3/26 Client provided an Email that " Based on the upload date to Lenders LOS the document had to be pulled and reviewed prior to close"; Response, Provide a processor cert to confirm the date the document was received and reviewed by underwriting
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 38.20% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 754 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 5.67% / 44.20% CLTV below guideline requirements
 
5000032784
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
C
C
C
C
CRDINC888
Income Amount is  Unsupported by Documentation in File
Yes
Balance Sheet in file says as of January 31, 2024 with shareholder distributions income however unable to determine if this includes year 2023 and what portion is 2023 and what portion is YTD 2024, income currently not supported for both businesses XXX due to Balance Sheet reflects shareholder distributions income however do not state if this is for Year 2023 only says as of January 2024 and does not break out what portion is for Year 2023 and YTD 2024
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 38.20% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 754 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 5.67% / 44.20% CLTV below guideline requirements
 
5000032784
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
CRDINC3258
Missing Profit and Loss statement for one or more Self Employed borrowers
Yes
Both businesses: XXX both have declined income from Year 2021 to 2022File have Profit Loss statement that reflects lumped income from January 2023 - January 2024 for both businesses, in which Year 2024 should be on a separate P/L sheet, currently unable to determine what end of year 2023 looked like for both of these businesses.  Provide corrected Profit Loss with each business end of year P/L for 2023 and YTD 2024 P/L for each.
(No Data)
(No Data)
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 38.20% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 754 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 5.67% / 44.20% CLTV below guideline requirements
 
5000032784
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
Satisfied
D
A
D
A
CRDINC2408
Income verification does not meet guidelines
No
Both Borrowers XXX Missing signed/dated for 2022/2021 1040's and 1120s for all 3 businesses: XXX
3/22 Client provided an Email that Taxes were signed at closing and uploaded with the closing package; Signed taxes located in closing package
Satisfied
(No Data)
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 38.20% below guideline requirement
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Credit score 754 exceeds guidelines
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV 5.67% / 44.20% CLTV below guideline requirements
 
5000032793
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
- xxx Comments:  Borrower has significant time at current job; 7 years and 1 month
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job; 11 years and 6 months.
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  58.25% LTV below guideline requirements of 80% per program
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Median FICO of 763 is 93 points above program guideline minimum of 670.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  30.23% DTI is below guideline requirement of 43%.
 
5000032818
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
- xxx Comments:  DTI 36.44%  below guideline requirement
 
CFCFS2854: Significant time in profession
- xxx Comments:  B1 has been in profession >6 years.
 
5000032838
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
- xxx Comments:  DTI 38.83%
 
CFCFS1734: Borrower has significant time at current job
- xxx Comments:  Borrower over 5 years at current employment
 
5000032903
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
- xxx Comments:  Borrower has 25 months of 0x30 on current mortgage.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  36.47% DTI.  Max 43%
 
5000032918
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
- xxx Comments:  Borrower has significant time at current job of 27 years
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  LTV of 72% below guideline requirements of 80%
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI at 26.86% below guideline requirement of 43%
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  Mortgage payment history of 35 months exceeds guidelines of 12 months
 
5000032968
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
- xxx Comments:  Borrower has significant time at current job; 20 years and 9 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  Significant time at current residence; 12 years and 2 months
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  72% LTV below guideline requirements of 80% per program.
 
5000032973
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
- xxx Comments:  Borrower has been in professing >10 years
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 41.87 % below guideline requirement
 
5000033006
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 2023 w2 for B2's prior job; please provide.
3.6.2024 Client provided prior vvoe for prior job however initial condition is for missing 2023 w2 for B2 prior job, prior vvoe provided do not reflect income only verifies the prior employment dates. Condition remains for 2023 w2 for B2 prior job w/XXX3/21 Client provided the 2023 W2 for B2 prior job
condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  71.59% HCLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 31 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7 + years at residence
 
5000033006
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
CRDINC3204
Income Documentation Missing
No
Provide sufficient documentation supporting start date of XXX (per income worksheet), for B2's current job, i.e. voe, etc. Required for accurate income calc. Subject to recalc and may be subject to additional conditions upon review.
3.6.2024 Client provided VVOE for B2 verifying employment start date of XXX for calculation of income
Condition satisfied
(No Data)
Not Applicable
CFCFS1737: LTV below guideline requirements
- xxx Comments:  71.59% HCLTV
 
CFCFS1739: Positive mortgage payment history
- xxx Comments:  0 x 30 for 31 months
 
CFCFS1736: Significant time at current residence
- xxx Comments:  7 + years at residence
 
5000033035
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 is not supported by updated AVM with a -10.80% variance. Original AVM value is not supported by updated AVM with a -10.83% variance. Original AVM value is not supported by updated AVM with a -10.80% variance.BPO supported original AVM value.
(No Data)
Condition satisfied.
Not Applicable
Not Applicable
CFCFS1744: DTI below guideline requirement
- xxx Comments:  35.17% DTI
 
CFCFS1737: LTV below guideline requirements
- xxx Comments:  36.90% CLTV
 
5000033036
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
- xxx Comments:  8 years, 9 months at current residence.
 
CFCFS1740: Mortgage payment history exceeds guidelines
- xxx Comments:  31 months reported 0x30, 12 months required.
 
5000033103
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
Waived
C
C
C
C
PRVAVALU5249
Property Value Not Supported
Yes
Updated AVM does not support original AVM with a variance -19.86%.Updated AVM does not support original AVM with a variance -16.77%Updated AVM does not support original AVM with a variance -19.86%.Updated BPO does not support original AVM with a variance -26.17%.
4/03/2024 Client acknowledged exception and requested waiver.
Condition waived.
Not Applicable
Not Applicable
CFCFS1736: Significant time at current residence
- xxx Comments:  Borrower has been at current residence for 5 years.
 
CFCFS1741: Credit score exceeds guidelines
- xxx Comments:  Borrower FICO score is 777, max per guidelines is 670.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI is 37.18%, max per guidelines is 43%.
 
5000033109
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
- xxx Comments:  Mortgage payment history 36 months exceeds guidelines of 24 months
 
CFCFS1735: Co-Borrower has significant time at current job
- xxx Comments:  Co-Borrower has significant time at current job of 10.17 years
 
5000033327
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
- xxx Comments:  Borrower has stable employment with 10 years at current job.
 
CFCFS1744: DTI below guideline requirement
- xxx Comments:  DTI 33.72 is below lender's guide line maximum of 43%.
 

Client Name:
  
Client Project Name:
ACHM 2024-HE1
Start - End Dates:
7/19/2022 - 3/26/2024
Deal Loan Count:
823
   
Conditions Report 2.0
   
Loans in Report:
823
Loans with Conditions:
165

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
5000015010
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000016901
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000025685
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
No
5000026460
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026528
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000026581
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000026595
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000026621
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000026636
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000026662
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026734
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000026794
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026809
Yes
XXXXXX
XXXXXX
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
No
5000026844
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000026869
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000026896
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000026897
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026908
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026913
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026924
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026934
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026935
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026958
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000026988
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027001
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000027040
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027042
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027049
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027060
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027064
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027081
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027100
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000027109
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000027165
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027167
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027169
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027174
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
No
5000027176
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027201
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027208
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027217
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027221
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027223
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027235
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027238
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027244
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027249
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027262
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027265
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027271
Yes
XXXXXX
XXXXXX
B
B
B
B
A
A
A
A
B
B
B
B
A
A
A
A
No
5000027276
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027299
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027332
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027334
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027340
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027351
Yes
XXXXXX
XXXXXX
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Not Applicable
5000027357
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027369
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027371
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027372
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027378
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000027381
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027383
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027388
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027389
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027399
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027402
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027405
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027411
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027416
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027418
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027424
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027428
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027429
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000027430
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027432
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027436
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027440
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027443
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027444
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027452
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000027456
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027482
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000027512
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027514
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027522
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027606
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027608
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
No
5000027673
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000027725
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027735
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027746
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027758
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027762
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027786
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027789
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027799
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027810
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027824
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027831
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027832
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027839
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027854
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027855
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027859
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027864
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027871
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027872
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
Not Applicable
5000027884
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000027885
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027887
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027890
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027893
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027907
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027950
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027954
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027958
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027960
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027962
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027963
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027965
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000027979
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000027980
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027982
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027983
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027986
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027994
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000027997
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028000
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028003
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000028009
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028012
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028016
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028025
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028030
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028031
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028040
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000028043
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028044
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028047
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028059
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028085
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028088
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028092
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028102
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028122
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028125
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028132
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028136
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028138
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028143
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028149
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000028152
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028153
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028154
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028160
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028162
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028192
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028206
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028217
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000028221
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028242
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028243
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028245
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028260
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028261
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028268
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028270
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028276
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028279
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028282
Yes
XXXXXX
XXXXXX
B
A
A
A
B
A
A
A
B
A
A
A
B
A
A
A
Not Applicable
5000028286
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028295
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000028300
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028311
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028314
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000028330
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028334
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028336
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028342
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000028346
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028353
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028373
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028380
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028384
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028387
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028401
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000028433
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028447
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028457
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000028460
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028463
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028472
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028478
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028482
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028485
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028489
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028490
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028497
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028505
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028513
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028514
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028523
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028527
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028532
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028536
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028542
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028544
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028550
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028551
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028582
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028590
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028591
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000028594
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028595
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028616
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028620
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028627
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028632
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028634
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028637
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000028647
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028650
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028652
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000028655
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028656
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028664
Yes
XXXXXX
XXXXXX
C
B
A
A
C
B
A
A
C
B
A
A
C
B
A
A
No
5000028674
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028677
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028679
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028680
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028684
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028685
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028686
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028703
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028715
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028716
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028722
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028723
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028725
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028733
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028736
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028739
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028742
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028754
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028761
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028766
Yes
XXXXXX
XXXXXX
C
B
C
B
A
A
A
A
C
B
C
B
A
A
A
A
No
5000028771
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000028778
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028792
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028806
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028807
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028809
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028816
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028817
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028818
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
No
5000028819
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028821
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028824
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000028840
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028843
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000028847
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000028851
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028857
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028861
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028867
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028869
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028872
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028873
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028881
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028886
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028892
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028894
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000028899
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028911
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028918
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000028920
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028924
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028929
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028930
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028934
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028941
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000028942
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028945
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028953
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028955
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028966
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028969
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000028974
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028984
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028990
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000028999
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029004
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029007
Yes
XXXXXX
XXXXXX
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Not Applicable
5000029011
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029014
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029028
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029035
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029043
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029046
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029047
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029051
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029055
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029058
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029060
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029066
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029071
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029074
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029075
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029076
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029078
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029083
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029085
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029086
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029090
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029104
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029108
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029119
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029122
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029123
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029128
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029129
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029139
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029140
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029142
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029150
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029151
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029154
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029159
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029160
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029163
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029167
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029175
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029176
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029178
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029179
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029182
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029183
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029186
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029194
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029204
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029207
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029239
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029242
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029248
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029256
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029271
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029274
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029285
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029288
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000029292
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029298
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029305
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029309
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029312
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029313
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029319
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029329
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029333
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029339
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029346
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029349
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029351
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029353
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029355
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029356
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029359
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029362
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029363
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029388
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029391
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029396
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029403
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029404
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029408
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029410
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029417
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029428
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029433
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029437
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029441
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029445
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029454
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029457
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029462
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029492
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029498
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029501
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029503
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029506
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029511
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029520
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029526
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029535
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029539
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029542
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029551
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029554
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029559
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029571
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029580
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029582
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029593
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029595
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029599
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029621
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029625
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029636
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029638
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029645
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029650
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029652
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029654
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029660
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029662
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029665
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029677
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029678
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029681
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029692
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000029693
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029706
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029707
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029712
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029713
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029718
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029724
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029725
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029729
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029734
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029736
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029739
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029751
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029762
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029785
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029786
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000029788
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029790
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029795
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029800
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029804
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029818
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029824
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029825
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
No
5000029835
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029837
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029852
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029855
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029866
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029868
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029873
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029882
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029897
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029901
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029907
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029915
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029918
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029920
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029924
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029927
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029935
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029939
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029958
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029962
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029972
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000029974
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029976
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000029978
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000029981
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000029999
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030003
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030008
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030036
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030037
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030051
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030057
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030060
Yes
XXXXXX
XXXXXX
C
B
C
B
C
A
A
A
C
B
C
B
C
B
A
A
No
5000030067
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030069
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Yes
5000030085
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030097
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030098
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030100
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030104
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030105
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000030108
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030118
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030121
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030125
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030130
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030145
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030154
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
Not Applicable
5000030164
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030171
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030179
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
No
5000030185
Yes
XXXXXX
XXXXXX
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
Not Applicable
5000030186
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000030196
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030202
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030214
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030218
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030220
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
Not Applicable
5000030225
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030246
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030248
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030256
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000030262
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000030264
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030274
Yes
XXXXXX
XXXXXX
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Not Applicable
5000030304
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030314
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030317
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000030321
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030328
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030334
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030336
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000030339
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030341
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030353
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030365
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030373
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030377
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030378
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000030381
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030388
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030396
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000030406
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030421
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030423
Yes
XXXXXX
XXXXXX
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Not Applicable
5000030425
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000030441
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030450
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030453
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030455
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000030459
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030469
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030471
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000030478
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030481
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030482
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030484
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030491
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030498
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030499
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030502
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030510
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030513
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030515
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000030522
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030532
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030537
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030547
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030548
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000030553
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030569
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030570
Yes
XXXXXX
XXXXXX
C
A
A
A
A
A
C
A
C
A
A
A
A
A
C
A
Not Applicable
5000030575
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030581
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030595
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030603
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030605
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030608
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030610
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030612
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030625
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030631
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030640
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030646
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030651
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030654
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030656
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030664
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030672
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030684
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030689
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030692
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030694
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030704
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030709
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030710
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030711
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000030713
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030714
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030716
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030720
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030722
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030736
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030744
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030748
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030751
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030755
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030756
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030757
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030765
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030769
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030771
Yes
XXXXXX
XXXXXX
C
A
C
A
C
A
A
A
C
B
C
A
C
B
A
A
No
5000030777
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030778
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030818
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030851
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030865
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030868
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000030880
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030883
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030895
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Yes
5000030899
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030901
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000030903
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030924
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030935
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030947
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030948
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000030949
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030955
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030959
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030961
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030968
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030969
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030974
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030976
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000030977
Yes
XXXXXX
XXXXXX
C
B
A
A
C
A
B
B
C
B
A
A
C
B
B
B
Not Applicable
5000030982
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000030991
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Yes
5000030998
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000031008
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
No
5000031014
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031026
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031032
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000031045
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031046
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031063
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031075
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031076
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031089
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000031099
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000031109
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031112
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031117
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031127
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031128
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031129
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031137
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031142
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000031144
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031148
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031156
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031169
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031170
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031179
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031181
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031183
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031224
Yes
XXXXXX
XXXXXX
D
C
D
C
A
A
A
A
D
C
D
C
A
A
A
A
No
5000031236
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031247
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031255
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
Not Applicable
5000031271
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031284
Yes
XXXXXX
XXXXXX
D
C
D
A
C
C
A
A
D
C
D
A
C
C
A
A
Not Applicable
5000031287
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Yes
5000031297
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031299
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031306
Yes
XXXXXX
XXXXXX
B
A
B
A
A
A
A
A
B
A
B
A
A
A
A
A
No
5000031310
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031317
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000031319
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031321
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031328
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031333
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031335
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031339
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031344
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031347
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031359
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000031361
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031363
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031364
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000031367
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031393
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031399
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031408
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031416
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031426
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031429
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031435
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000031442
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031457
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031462
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000031470
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031473
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031478
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031483
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031489
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031490
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031491
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031492
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000031494
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031523
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031540
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031542
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031544
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031548
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031556
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031559
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000031564
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000031567
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031569
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031576
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031578
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000031582
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031583
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031586
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031594
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031607
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031609
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000031614
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031623
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
Not Applicable
5000031625
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031633
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031645
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031654
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031685
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031691
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
A
A
B
B
Not Applicable
5000031699
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031707
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031712
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000031745
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031751
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
No
5000031757
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031761
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031765
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000031774
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031795
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
Not Applicable
5000031811
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031812
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031819
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031822
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031826
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031832
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031837
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031841
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031843
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031866
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031872
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031874
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031882
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031890
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031898
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000031902
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000031906
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031913
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031916
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031921
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031931
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031937
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031943
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031946
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031976
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000031987
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000031999
Yes
XXXXXX
XXXXXX
D
A
A
A
A
A
D
A
D
A
A
A
A
A
D
A
Not Applicable
5000032004
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032021
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032037
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032047
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032048
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032051
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032063
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
Not Applicable
5000032065
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
B
B
A
A
B
B
A
A
No
5000032075
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032085
Yes
XXXXXX
XXXXXX
C
A
C
A
A
A
A
A
C
A
C
A
A
A
A
A
No
5000032106
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032149
Yes
XXXXXX
XXXXXX
D
B
A
A
A
A
D
B
D
B
A
A
A
A
D
B
Not Applicable
5000032156
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032158
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000032163
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032167
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032169
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032170
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032174
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032181
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032188
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032202
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032243
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032246
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032254
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032257
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000032272
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032280
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032290
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032332
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032335
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032341
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
A
A
A
C
A
A
A
No
5000032364
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032366
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032425
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032428
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032441
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000032460
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000032478
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032527
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032539
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032550
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032553
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032588
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032609
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032686
Yes
XXXXXX
XXXXXX
B
B
A
A
A
A
B
B
B
B
A
A
B
B
B
B
Not Applicable
5000032694
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032697
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032728
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032736
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032749
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032784
Yes
XXXXXX
XXXXXX
D
D
D
D
A
A
A
A
D
D
D
D
A
A
A
A
No
5000032793
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032818
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032838
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000032903
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032918
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032968
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000032973
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
No
5000033006
Yes
XXXXXX
XXXXXX
D
A
D
A
A
A
A
A
D
A
D
A
A
A
A
A
No
5000033035
Yes
XXXXXX
XXXXXX
C
A
A
A
C
A
A
A
C
B
A
A
C
B
A
A
Not Applicable
5000033036
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000033103
Yes
XXXXXX
XXXXXX
C
C
A
A
C
C
A
A
C
C
A
A
C
C
A
A
No
5000033109
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable
5000033327
Yes
XXXXXX
XXXXXX
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
Not Applicable