CSMC 2021-NQM8 Trust ABS-15G

Exhibit 99.6

Client Name:
Client Project Name:	CSMC 2021-NQM8
Start - End Dates:	2/15/2021 - 9/21/2021
Deal Loan Count:	390
Conditions Report 2.0
Loans in Report:	390
Loans with Conditions:	292

4 - Total Active Conditions
	4 - Non-Material Conditions
		1 - Credit Review Scope
			1 - Category: Terms/Guidelines
		1 - Property Valuations Review Scope
			1 - Category: Appraisal
		2 - Compliance Review Scope
			1 - Category: Right of Rescission
			1 - Category: State Consumer Protection
488 - Total Satisfied Conditions
		62 - Credit Review Scope
			5 - Category: Application
			12 - Category: Assets
			1 - Category: Credit/Mtg History
			3 - Category: Income/Employment
			30 - Category: Insurance
			2 - Category: Legal Documents
			9 - Category: Terms/Guidelines
		278 - Property Valuations Review Scope
			275 - Category: Appraisal
			1 - Category: FEMA
			2 - Category: Value
		148 - Compliance Review Scope
			2 - Category: Compliance Manual
			1 - Category: Documentation
			2 - Category: Federal Consumer Protection
			1 - Category: Finance Charge Tolerance
			1 - Category: RESPA
			17 - Category: Right of Rescission
			1 - Category: Texas Home Equity
			123 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions
©2021 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:	CSMC 2021-NQM8
Start - End Dates:	2/15/2021 - 9/21/2021
Deal Loan Count:	390
Conditions Report 2.0
Loans in Report:	390
Loans with Conditions:	292

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

433733560

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.06.21 Updated value received, appraised value supported.

07.06.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 12.55 months of PITIA reserves; Guidelines require 6 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 759; Guidelines require 660 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower Credit history 0x30x163

433733560

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR101

Appraisal incomplete (missing map, layout, pages, etc)

No

Missing Market Rent form 1007

8.11.21 - Lender provided rent schedule.

8.11.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 12.55 months of PITIA reserves; Guidelines require 6 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 759; Guidelines require 660 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower Credit history 0x30x163

433733561

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower Credit history 0x30x158 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 61.13%; Guidelines require 80%

433807760

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR Expiration Date is disclosed as midnight of XXX.  Earliest Disbursement Date is XXX.  CD dated XXX Disbursement Date is XXX.

09/11/2021  Client provided PCCD XXX.

09/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 67.31%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 740. Minimum allowable is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 30.53%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $91,481.90 or 61.76 months of P&I reservesRequired P&I reserves are $1,481.25x12=$17,775.00

433807760

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 67.31%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 740. Minimum allowable is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 30.53%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $91,481.90 or 61.76 months of P&I reservesRequired P&I reserves are $1,481.25x12=$17,775.00

433807761

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 66.16%. Maximum allowable is 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 719. Minimum allowable is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $121,559.28 or 105.43 months of P&I reservesRequired P&I Reserves are $1,152.96x12=$13,835.52

433733564

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.06.21 Updated value received, appraised value supported.

07.06.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.19 months of P&I reserves, Guidelines require 12 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%; Guidelines require 80% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for  5 years and 5 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B2 has 6 years of job profession

433733565

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 55%. Maximum allowable is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $65,821.42 or 32.59 months of PITIA reservesRequired PITIA reserves are $2,019.36x3=$6,058.08

433733566

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing letter for sales price is greater than appraised value

9/28/21 - Lender provided a letter accepting the appraised value is less than the sales price.

9/28/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.97% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 720 with 77points CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 41 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 13 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's post close Assets are $57,684.29 or 25.72 months of P&I reserves.Required P&I reserves are $2,242.19 x 12  = $26,906.28

433733566

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.97% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 720 with 77points CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 41 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 13 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's post close Assets are $57,684.29 or 25.72 months of P&I reserves.Required P&I reserves are $2,242.19 x 12  = $26,906.28

433733567

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50.48%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 741. Minimum required is 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 42.39%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $101,009.52 or 49.90 months of P&I reservesRequired P&I reserves are $2,024.25x6=$12,145.50

433733568

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $66,752.63 as post close funds. Required PITIA reserves are  $6295.20"

433733569

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 765 and the minimum credit score is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $96,368.96 or 64.57 months of PITIRequired PITIA reserves are $1492.46 x 3 = $4477.38"

433733570

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $87,643.48 or 28.80 months of PITIRequired PITIA reserves are $3042.77 x 3 = $9128.31" CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 765 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 80%.

433733571

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 694 exceeds guideline 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $36,777.87 or 14.75 months of PITI exceeding guideline 3 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for 4 years.

433807763

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.14.21 Updated value received, appraised value supported.

07.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post closing assets are $27,181.01 or 19.41 months of P&I reserves.Required P&I reserves are $1,400.61 Xx12 =$16,807.32 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower 46.18%. Maximum 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower score 738. Minimum allowed 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%. Maximum allowed 85%

433733572

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 24.36 months of P&I reserves; Guidelines require 12 months P&I  reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years of job profession CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment  0x30x82 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 21.83%; Guidelines require 49%

433733573

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 12.03 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%; Guidelines require 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 783; Guidelines require 700

433807764

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file.

09/23/2021  Client provided Seller CD.

09/23/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 798. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.87%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $58,930.18 or 39.93 months of P&I reservesRequired P&I reserves are $1,475.82x6=$8,854.92

433807764

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 798. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.87%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $58,930.18 or 39.93 months of P&I reservesRequired P&I reserves are $1,475.82x6=$8,854.92

433807764

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 798. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.87%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $58,930.18 or 39.93 months of P&I reservesRequired P&I reserves are $1,475.82x6=$8,854.92

433807765

XXXXXX

VA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  25 years in line of work CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 67.19%. Maximum allowable 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 806. Minimum allowable 720

433807767

XXXXXX

MD

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 743. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 25.99%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $392,476.46 or 436.16 months of P&I reservesRequired P&I reserves are $899.84x12=$10,798.08

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

Finance Charge Tolerance

Satisfied

C

B

C

B

CMPFINT4372

TILA/TRID-Disclosed Amount Financed is higher than Claytons calculated Amount Financed

No

Disclosed Amount Financed  of XXX is higher than Claytons calculated Amount Financed of XXX.

03/01/2021  Client provided PCCD XXX.

03/01/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

Right of Rescission

Active

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on PCCD XXX is before end of statutory rescission period of XXX

(No Data)

07.23.2021 - Upon further review by Compliance counsel, exception is a non-material B.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

N/A

B

N/A

B

CMPROR117

ROR - Expiration date on form prior to end of rescission period

No

Expiration date of XXX on the ROR is before the end of statutory rescission period of XXX. **Triggered during condition clearing**

3.2.21 - lender provided ROR showing rescission ends XXX.

3.2.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID4381

TRID - CD: CD does not reflect the terms of the legal obligation or is not a in good faith based on best info available

No

Note dated XXX indicates Loan Amount of $XXX and Payment Amount of $1,778.92. Final CD dated XXX indicates Loan Amount of $XXX and Payment Amount of $1835.48.

03/01/2021  Client provided updated Note and Mortgage.

03/01/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4027

TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I

No

Note dated XXX indicates Loan Amount of $XXX and Payment Amount of $1,778.92. Final CD dated XXX indicates Loan Amount of $XXX and Payment Amount of $1835.48.

03/01/2021  Client provided updated Note.

03/01/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4993

TRID  CD:  The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates.

No

CD XXX: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure of $2437.48 does not match the Total Fixed Payment Clayton that calculates of $2380.92.

03/01/2021  Client provided updated Note.

03/01/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5035

TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates.

No

Note dated XXX indicates Loan Amount of $XXX and Payment Amount of $1,778.92. Final CD dated XXX indicates Loan Amount of $XXX and Payment Amount of $1835.48.

03/01/2021  Client provided updated Note.

03/01/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Credit

Terms/Guidelines

Satisfied

B

A

B

A

CRDTER109

Cash Out Amount Exceeds Guidelines

No

Borrower received back at closing $2,381.03, maximum allowed is $2,000.00

3.1.2021 Received Revised CD and borrower received no monies back at closing

3.1.2021 - Exception Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

432332279

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

02.15.21 Updated value received, appraised value supported.

02.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,626.18 or 53.75 months P&IRequired reserves are 6 months P&I at $1778.92x6= $10,673.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 737; guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 16.13%; guidelines allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 62.91%; guidelines allow 85%.

433663297

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Credit

Application

Satisfied

A

A

A

A

CRDAPP129

Missing Permanent Resident card req'd by guidelines

No

Missing documentation of US citizenship.  Cancel, employment authorization located in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63.73% below Lender guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30 late in past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $82,419.47 or 28.31 months P&Irequired reserves are 12 months P&I at $2,910.79x12= $34,928.64

433663297

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63.73% below Lender guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30 late in past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $82,419.47 or 28.31 months P&Irequired reserves are 12 months P&I at $2,910.79x12= $34,928.64

433663298

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

"Assets: Post Close Assets are -$98.13 or -0.03 months of PITIRequired PITIA reserves are $2933.49 x 3= $8,800.47" and adding the -$98.13= $8,898.60

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.18% is > 10 points below the program max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 791 and the minimum credit score is 700.

433733575

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 762. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $565,083.95 or 97.33 months of PITIA reservesRequired PITIA reserves are $5,805.58x3=$17,416.74

433733576

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower DTI is 50.42%. Maximum allowable is 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 726. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $572,599.56 or 195.15 months of P&I reservesRequired P&I reserves are $2,934.10x6=$17,604.60 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 19.33%. Maximum allowable is 49%

433733577

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing executed letter acknowledging purchase price is higher than the appraised value.

9.15.21 - Lender provided letter acknowledging purchase price is higher than the appraised value.

9.15.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history and management. 0x30 late. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower steadily employed at current employer 4 years 8 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit score exceeds lender guidelines.

433733577

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history and management. 0x30 late. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower steadily employed at current employer 4 years 8 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit score exceeds lender guidelines.

433663299

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Assets are not fully document as VOD bank information is not in borrowers name. Assets waived per loan approval.

8.6.21 - lender provided asset documentation confirming in borrower's name

8.6.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history exceeds guidelines 0x30x24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  733 credit score exceeds lender guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $75,451.31 or 12.95 months PITI Required reserves are 3 months PITI $5824.58x3= $17,473.74

433663299

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Terms/Guidelines

Active

N/A

B

N/A

B

CRDTER3122

Loan documents do not meet guideline requirements

No

Approved as Cash out loan, but borrower paid $55,382.07 to close.

8.25.21 - Lender provided PCCD showing final funds.

8.25.21 - Exception remains

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history exceeds guidelines 0x30x24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  733 credit score exceeds lender guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $75,451.31 or 12.95 months PITI Required reserves are 3 months PITI $5824.58x3= $17,473.74

433621306

XXXXXX

UT

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

05.21.21 Updated value received, appraised value supported.

05.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 33.50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 763

433733578

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 722 and the minimum credit score is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x37

433733579

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Primary residence 10 years rent free with sister. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below Lender guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close assets are $511,672.15 or 157.22 months of PITIA reserves.Required PITIA Reserves are $3,254.55 x 3 = $9,763.65

433888102

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 73.16 is below required LTV per guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 46.46% is below guideline maximum DTI. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $34,461.01 or 9.41 months of PITIARequired PITIA Reserves are $1,876.74 x 12 = $22,520.88 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

433733580

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing Passport, Visa and I-94.  NOTE: I-765 (Employment work authorization card) XXX.

7.30.21 - Lender responded the I-797C provided, Notice of Action automatically extends the validity of the EAD for up to 180 days from the expiration date printed on the front of the card and can be used for employment eligibility verification purposes. The expiration date on the card is XXX which means the EAD is valid until XXX.

7.30.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 712 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.64% is below guideline maximum DTI

433733580

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing cancelled checks for to XXX (Private Mortgage holder).  VOM in file with invoices for monthly payments of Mortgage.

9.8.21 - Lender provided supplemental credit report showing 0x30 and PIF

9.8.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 712 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.64% is below guideline maximum DTI

433663300

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.17.21 Updated value received, appraised value supported.

06.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 14 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 733 and the minimum credit score is 700.

433733581

XXXXXX

UT

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 57.14 months of P&I reserves; Guidelines require 12 months of P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 35.14%; Guidelines require 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 677; Guidelines require 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 52 years of job profession

433733582

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXXRight to cancel reflects date to cancel of XXXLoan closed/disbursed prior to end of statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

08/06/2021  Client provided PCCD XXX

08/06/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 740. Minimum required is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 32.57%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $966,963.86 or 172.94 months of P&I reservesRequired P&I reserves are $5,591.27x12=$67,095.24

433733582

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 740. Minimum required is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 32.57%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $966,963.86 or 172.94 months of P&I reservesRequired P&I reserves are $5,591.27x12=$67,095.24

433807768

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  No mortgage late >24 month reviewed. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Debt consolidation reduced housing expense significantly. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines.

433888104

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  13 years at current residence CFCFS2854: Significant time in profession - Clayton Comments:  21 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 46.45%. Maximum applicable 49%

433733583

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR Expiration Date is disclosed as midnight of XXX.  Earliest Disbursement Date is XXX.  CD dated XXX Disbursement Date is XXX.

09/11/2021  Client provided PCCD XXX.

09/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660 CFCFS2860: Good credit history - Clayton Comments:  Good credit history 1x30 on auto loan. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years at current job.

433733583

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660 CFCFS2860: Good credit history - Clayton Comments:  Good credit history 1x30 on auto loan. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years at current job.

433807769

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433663307

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in primary residence for 18 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $104,164.44 or 30.28 months of PITIA reservesRequired PITIA reserves are $3,440.26x3=$10,320.78 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 730. Minimum required is 700

433663308

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.22.21 Updated value received, appraised value supported.

06.22.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 72.80 months P&I exceeds guideline minimum of 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x20

433807770

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 773 and the minimum credit score is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets $881,862.95 or 154.37 months PITIRequired reserves are 3 months PITI $5712.54x3= $17,137.62

433807771

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 38.42 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

433733585

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets $92,394.87 or 51.40 months P&IRequired P&I  Reserves are 6 months P&I $1797.43*6= $10,784.58 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  60.50% LTV below Lender guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 credit score exceeds Lender guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.44% below Lender guidelines.

433807772

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXX.Right to cancel reflects date to cancel of XXX.Loan closed/disbursed prior to end of statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD; Within 60 days of discovery.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.25% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 700 with 97 points.

433807772

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.25% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 700 with 97 points.

433663309

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  8 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 33.77%. Maximum allowable 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%. Maximum allowed 85%

433663310

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 177.14 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433733588

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 803 and the minimum credit score is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 7 years

433733589

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 810 and the minimum credit score is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance

433733590

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $46,349.83 or 19.43 months P&I in reserves.Required reserves are 12 months P&I $2384.48x12= $28,613.76 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for the past 3 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years

433733590

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $46,349.83 or 19.43 months P&I in reserves.Required reserves are 12 months P&I $2384.48x12= $28,613.76 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for the past 3 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years

433733591

XXXXXX

CA

(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 - Clayton Comments:  Good  credit history. 0x30 late >24 month review. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower owns at primary residence 6.3 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $27,556.36 or 12.95 months PITIRequired reserves are 3 months PITI $2128.66x3= $6,385.98 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

433652284

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.18.21 Updated value received, appraised value supported.

06.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 780 and the minimum credit score is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x53 months, guidelines require 1x30x12 months

433663316

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing copy of front of resident card

7.29.2021 Received copy of Green Card but Image on 1st page does not show, 2nd page has back of green card which shows. Missing front of Green Card.7.30.21 (DJ) Client provided clear copy of front of green card for borrower.

7.30.21 (DJ) Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 732 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $29,430.53 or 12.39 months of PITIRequired PITIA reserves are $2375.36 x 3= $7126.08"

433663316

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR2300

Missing Second Appraisal required per guidelines

No

Missing Second Full Appraisal required per guidelines for FHHB

7.29.2021 Received 2nd Full Appraisal supporting Value

7.29.2021 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 732 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $29,430.53 or 12.39 months of PITIRequired PITIA reserves are $2375.36 x 3= $7126.08"

433663318

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 9.15 months  of PITIA reserves; Guidelines require 3 months PITIA reserves

433621321

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

05.21.21 Updated value received, appraised value supported.

05.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has 19 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 740. Minimum required is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have post close assets of $85,126.37 or 37.90 months of P&I reserves Required P&I reserves are $2,245.93 x 12=$26,651.16

433621322

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 37.79%. Maximum allowable is 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 736. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433621322

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.02.21 Updated value received, appraised value supported.

06.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 37.79%. Maximum allowable is 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 736. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433807774

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR. File is missing Final CD at loan consummation.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 711 exceed guideline requirement of 700 with 11 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $324,838.92 or 46.89 months of P&I reserves.Required P&I reserves are $6,927.58  x 6  = $41,565.48

433807774

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3662

TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance

No

Initial CD XXX APR Stated as 4.565%, CD XXX APR Stated as 5.071%, difference of 0.506% exceeds tolerance of 0.125%. File is missing Final CD at loan consummation.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 711 exceed guideline requirement of 700 with 11 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $324,838.92 or 46.89 months of P&I reserves.Required P&I reserves are $6,927.58  x 6  = $41,565.48

433807774

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4993

TRID  CD:  The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates.

No

CD XXX - Loan Terms Section - The P&I payment of $7,342.76 does not match the Note P&I payment of $6,927.58. File is missing Final CD at loan consummation.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 711 exceed guideline requirement of 700 with 11 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $324,838.92 or 46.89 months of P&I reserves.Required P&I reserves are $6,927.58  x 6  = $41,565.48

433807774

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5035

TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates.

No

CD XXX - Loan Terms Section - The P&I payment of $7,342.76 does not match the Note P&I payment of $6,927.58. File is missing Final CD at loan consummation.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 711 exceed guideline requirement of 700 with 11 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $324,838.92 or 46.89 months of P&I reserves.Required P&I reserves are $6,927.58  x 6  = $41,565.48

433807774

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

B

N/A

B

CMPTRID4027

TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I

No

Triggered during condition clearing.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 711 exceed guideline requirement of 700 with 11 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $324,838.92 or 46.89 months of P&I reserves.Required P&I reserves are $6,927.58  x 6  = $41,565.48

433807774

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 711 exceed guideline requirement of 700 with 11 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $324,838.92 or 46.89 months of P&I reserves.Required P&I reserves are $6,927.58  x 6  = $41,565.48

433663323

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  60% LTV is below 80% maximum guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 credit score below 660 per Guidelines.

433663325

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 135.98 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 21 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 18 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x84 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80%

433807775

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 21 years.

433652290

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 114.41 months PITIA exceeds guideline minimum of 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum.

433733595

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 credit score exceeds Lender guideline of 700. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history 0x30 late. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80%

433663331

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on XXX is before end of statutory rescission period XXX on the ROR.

08/06/2021  Client provided PPCD XXX.

08/06/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 28.16 months P&I exceeds guideline minimum of 6 months. CFCFS1750: High potential for increased earnings - Clayton Comments:  DTI > 15 points below guideline maximum of 49%

433663331

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

Missing support docs for VOM/VOR (e.g. cancelled checks)

No

Missing Subject's Mortgage Rating as required by the guideline

8.24.21 - Lender provided 12 months bank statements showing consistent payments for 12 months

8.24.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 28.16 months P&I exceeds guideline minimum of 6 months. CFCFS1750: High potential for increased earnings - Clayton Comments:  DTI > 15 points below guideline maximum of 49%

433663331

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 28.16 months P&I exceeds guideline minimum of 6 months. CFCFS1750: High potential for increased earnings - Clayton Comments:  DTI > 15 points below guideline maximum of 49%

433621339

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $50,168.17 or 20.08 months of P&I reservesRequired P&I reserves are $2,498.93x12=$29,987.16 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433621339

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Dwelling Coverage amount: $XXXLoan Amount: $XXXCoverage does not state GRC and there is no RCE on file

7.1.21 - Lender provided RCE

7.1.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $50,168.17 or 20.08 months of P&I reservesRequired P&I reserves are $2,498.93x12=$29,987.16 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433621339

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.15.21 Updated value received, appraised value supported.

06.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $50,168.17 or 20.08 months of P&I reservesRequired P&I reserves are $2,498.93x12=$29,987.16 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433807777

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.15.21 Updated value received, appraised value supported.

07.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are $521,784.18  or 163.20 months P&I, required P&I reserves are 12 x $3,197.18 = $38,366.16 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x99

433888106

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.08 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433733597

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.19 below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 793 exceed guideline requirement of 700 with 93 points.

433652294

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC225

Missing Rider

No

Interest Only Rider

07/11/2021  Client provided Interest Only Rider to Mortgage.

07/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 784. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 54.50%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $150,407.37 or 13.06 months of P&I reservesRequired P&I reserves are $11,511.92 x 6=$69,071.52

433663333

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%. Maximum allowed 80% CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work

433733598

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXXRight to cancel reflects date to cancel of XXXLoan closed/disbursed prior to end of statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD; Within 60 days of discovery.

08/17/2021  Client provided PCCD XXX.

08/17/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.97% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 795 exceed guideline requirement of 700 with 72 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $380,512.75 or 127.01 months of P&I reserves.Required P&I reserves are $2,995.71  x 12 = $35,948.52

433733598

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.97% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 795 exceed guideline requirement of 700 with 72 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $380,512.75 or 127.01 months of P&I reserves.Required P&I reserves are $2,995.71  x 12 = $35,948.52

433663335

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS2854: Significant time in profession - Clayton Comments:  10 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.15%. Maximum allowable 49% CFCFS2860: Good credit history - Clayton Comments:  0x30 lates over last 24 months

433663337

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.22.21 Updated value received, appraised value supported.

06.22.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 150.56 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 25.35%; Guidelines allow 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years of same job profession CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years of same job profession CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for 20 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x44 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433807778

XXXXXX

IN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.15.21 Updated value received, appraised value supported.

07.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in current field for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60.00% is > 10 points below the program max LTV of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $17,799.69 or 17.82 months of PITIRequired P&I reserves are $998.65 x 6 = $5991.90"

433663338

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 772 and the minimum credit score is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 8 years

433652297

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.23.21 Updated value received does not support the appraise value. Field review recommended.

06.23.21 Exception Remains.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $230,667.88 or 32.75 months of P&I reservesRequired P&I reserves are $7,042.24x12=$84,506.88 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 738. Minimum required is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.41%. Maximum allowable is 49%

433652297

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

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

06.29.21 Updated value received does not support the appraise value. Field review recommended.

7.29.2021 Receive Field Review with a Value of $XXX which supports the Appraised As Is Value of $XXX

7.9.2021 Exception Satisfied

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $230,667.88 or 32.75 months of P&I reservesRequired P&I reserves are $7,042.24x12=$84,506.88 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 738. Minimum required is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.41%. Maximum allowable is 49%

433733601

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.

09/08/2021  Client provided PCCD XXX.

09/08/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.56% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 779 exceed guideline requirement of 720 with 59 points.

433733601

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.56% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 779 exceed guideline requirement of 720 with 59 points.

433652299

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 773 and the minimum credit score is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x18 months, guidelines require 1x30x12 months

433888107

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 6 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance

433663340

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Missing  Seller CD.

08/07/2021  Client provided Seller CD.

08/07/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit management 0x30 day delinquent. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years 5 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 Score exceeds Lender guidelines.

433663340

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit management 0x30 day delinquent. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years 5 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 Score exceeds Lender guidelines.

433663340

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.23.21 Updated value received, appraised value supported.

06.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit management 0x30 day delinquent. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years 5 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 Score exceeds Lender guidelines.

433733604

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 17.34 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum.

433733605

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been on same job for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 787 exceed guideline requirement of 700 with 87 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $29,427.06 or 15.96 months of P&I reserves.Required P&I reserves are $1,843.58 x 12  = $22,122.96

433733607

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 768. Minimum allowable 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 25.86%. Maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: $358,055.60 or 47.80 months P&I.Required P&I reserves $7,489.28 X 12 =$89,871.36

433733608

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.95% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 727 exceed guideline requirement of 700 with 27 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $78,550.17 or 16.63 months of P&I reserves.Required P&I reserves are $4,721.27 x 12  = $56,655.24

433621354

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Missing Seller's CD.

7/2/2021: Lender provided the Seller's CD.

7/2/2021: Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 772. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 37.36%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $40,843.68 or 21.80 months of P&I reservesRequired P&I reserves are $1,873.58 x 12=$22,482.96

433621354

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.03.21 Updated value received, appraised value supported.

06.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 772. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 37.36%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $40,843.68 or 21.80 months of P&I reservesRequired P&I reserves are $1,873.58 x 12=$22,482.96

433663342

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  772 Credit score exceeds guidelines. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history 0x30 days late reviewed >24 months

433733609

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 43.50 months of P&I reserves; Guidelines require 12 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 780; Guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 38.95%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years of job profession

433733609

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 43.50 months of P&I reserves; Guidelines require 12 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 780; Guidelines require 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 38.95%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years of job profession

433733610

XXXXXX

CA

(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 - Clayton Comments:  Good credit management 0x30 days late. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below Lender guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  Owns 5 years at current residence.

433663343

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 7.14 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 761; Guidelines require 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 69.62%; Guidelines require 80%

433807780

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 63.05 months of PITIA reserves; Guidelines require 3 months of PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 721; Guidelines require 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 50.63%; Guidelines require 80% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 11 years at primary residence

433652301

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file.

8.1.2021 Client provided Seller CD.

8.1.2.2021 Exception Satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 749 exceed guideline requirement of 700 with 49 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $108,208.07 or 33.65  months of P&I reserves.Required P&I reserves are $3,215.40  x 12 = $38,584.80

433652301

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.18.21 Updated value received, appraised value supported.

06.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 749 exceed guideline requirement of 700 with 49 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $108,208.07 or 33.65  months of P&I reserves.Required P&I reserves are $3,215.40  x 12 = $38,584.80

433652302

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 806 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.56% is > 10 points below the program max LTV of 70%.

433652305

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history reviewed 24 months exceeds guidelines 0x30 late. CFCFS2860: Good credit history - Clayton Comments:  Both borrower and co borrower have extensive and good credit history with no derogatory. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $36,299.36 or 9.24 months PITIRequired reserves are 3 months PITI at $3928.20x3= $11,784.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80%

433733614

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.24%. Maximum allowable is 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 747. Minimum allowable is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $60,323.51 or 21.40 months of P&I reservesRequired P&I reserves are $2,818.23x12=$33,818.76 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x26

433733616

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.15.21 Updated value received, appraised value supported.

06.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $103,106.62 or 44.03 months P&IRequired reserves are $2341.63x12= $28,099.56 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guideline requirement 720 CFCFS2854: Significant time in profession - Clayton Comments:  10 years in profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirement 85%

433807782

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Desk review received from client for subject property discloses the property address where loan number should be.  Valuation review is pending corrected CDA.

10.08.2021 - Lender provided corrected CDA.

10.08.2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 7 years and 5 months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 5 years and 3 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $50,760.00 or 34.75 months P&I  in reserves.Required reserves are 12 months P&I $1460.61x12= $17,527.32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433621357

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.15.21 Updated value received, appraised value supported.

06.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 32 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 786. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 33.27%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $66,879.75 or 27.55 months of P&I reservesRequired P&I reserves are $2,427.17x6=$14,563.02

433733617

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets $223,239.48 or 162.20 months P&IRequired P&I reserves are $ 3,796.30 X 6=$22,777.80 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 743. Minimum allowed 700

433888108

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $112,676.69 or 45.90 months of P&I reservesRequired P&I reserves are $2,454.49x6=$14,726.94 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 765. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 41.53%. Maximum allowable is 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 63.43%. Maximum allowable is 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 11 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x24

433733618

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 38 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 38 years CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history. Currently 0 x 30 on all opened trade lines.

433733618

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing PDI for XXX

10.7.21 - Lender provided PDI showing no damage.

10.7.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 38 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 38 years CFCFS2860: Good credit history - Clayton Comments:  Borrowers have good credit history. Currently 0 x 30 on all opened trade lines.

433807784

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 765. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 47.93%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 45.15%. Maximum allowable is 49%

433733619

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 25 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 57.14%. Maximum allowable is 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 808. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $253,084.48 or 89.70 months of P&I reservesRequired P&I reserves are $2,821.42x6=$16,928.52 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 30.19%. Maximum allowable is 49% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x99

433733620

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 21.32% is > 10 points below the program max DTI of 49%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 42.74% is > 10 points below the program max LTV of 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $52,513.20 or 68.09 months of PITIRequired P&I reserves are $771.21 x 6 = $4627.26" CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

433807785

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP4569

NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same

No

Originator has DBA matches loan documentation

8.25.21 - Lender provided NMLS documentation

8.25.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  745 credit score exceeds Lender guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is below 85% LTV requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.30 DTI below Lender guidelines

433807785

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  745 credit score exceeds Lender guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is below 85% LTV requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.30 DTI below Lender guidelines

433807785

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.14.21 Updated value received, appraised value supported.

07.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  745 credit score exceeds Lender guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is below 85% LTV requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.30 DTI below Lender guidelines

433621361

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit history meets or exceeds guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV @ 60% below guidelines at 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: $40,764.97 or 16.50 months P&IRequired reserves are 12 months P&I at $2470.52x12= $29,658.24

433733621

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.60% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 784 exceed guideline requirement of 700 with 84 points.

433652308

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 17 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 786 and the minimum credit score is 700.

433663362

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 17.10 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 736

433733622

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.18 months PITIA exceeds guideline minimum of 3 months

433807786

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 29 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $202,693.41 in total assets verified, with $81,475.40 in funds required at closing, leaving $121,218.01 or 103.97 months P&I in reserves.Required reserves are 12 months x 12 = $13,990.56 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433807786

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 29 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $202,693.41 in total assets verified, with $81,475.40 in funds required at closing, leaving $121,218.01 or 103.97 months P&I in reserves.Required reserves are 12 months x 12 = $13,990.56 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433807786

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 29 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 29 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $202,693.41 in total assets verified, with $81,475.40 in funds required at closing, leaving $121,218.01 or 103.97 months P&I in reserves.Required reserves are 12 months x 12 = $13,990.56 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433807787

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 805. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 41.30%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $30,659.13 or 18.67 months of P&I reservesRequired P&I reserves are $1,642.00x12=$19,704.00

433733623

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.23.21 Updated value received, appraised value supported.

06.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 793 exceed guideline requirement of 700 with 93points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $91,894.51 or 19.61 months of P&I reserves.Required P&I reserves are $4,685.45 x 12 = $56,225.40

433663365

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXX.Right to cancel reflects date to cancel of XXX.Loan closed/disbursed prior to end of statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD

07/07/2021  Client provided PCCD XXX.

07/07/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.65% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.75% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 756

433663365

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.22.21 Updated value received, appraised value supported.

06.22.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.65% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.75% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 756

433733624

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE119

Texas Equity - Affidavit of Fair Market Value not signed by lender

No

Texas Equity- Missing Lender signature on Affidavit of Fair Market Value.

08/11/2021  Client provided Affidavit of Fair Market Value signed by lender and borrower.

08/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 737 exceed guideline requirement of 700 with 37 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $80,559.31 or 52.71 months of P&I reserves.Required P&I reserves are $1,528.22  x 12  = $18,338.64

433733624

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 737 exceed guideline requirement of 700 with 37 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $80,559.31 or 52.71 months of P&I reserves.Required P&I reserves are $1,528.22  x 12  = $18,338.64

433652312

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

per Hazard insurance binder

7.29.21 (DJ) Client provided PCD with disbursement date of XXX; insurance effective date cleared.

7.29.21 (DJ)  exception satisfied

Not Applicable

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x33months, guidelines require 1x30x12 months CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance

433652313

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum.

433652313

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.17.21 Updated value received, appraised value supported.

06.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum.

433733627

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST115

Cash reserves do not meet guidelines

No

Post Close Assets are $16,862.53 or  4.72 months P&I short ( $25,941.71 ) Required P&I Reserves of $3,567.02 x 12 months = $ 42,804.24

9/14/21 - Lender provided a Post Close CD reflecting the borrower receiving back at close $42,270, meeting the reserve requirements.

9/14/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  745 credit score exceeds guidelines at 720. CFCFS2854: Significant time in profession - Clayton Comments:  10 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.36% DTI below Lender guidelines of 49%.

433733627

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  745 credit score exceeds guidelines at 720. CFCFS2854: Significant time in profession - Clayton Comments:  10 years in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.36% DTI below Lender guidelines of 49%.

433652315

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 794 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65.00% is > 5 points below the program max LTV of 70%.

433807788

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Missing Seller CD.

9/22/21 - Lender provided a copy of the missing Seller CD.

9/22/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.91% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.29% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 796 exceed guideline requirement of 720 with 76 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's post close Assets are $226,596.35 or 89.56 months of P&I reserves.Required P&I reserves are $2,529.87 x 12= $30,358.44

433807788

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.91% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.29% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 796 exceed guideline requirement of 720 with 76 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's post close Assets are $226,596.35 or 89.56 months of P&I reserves.Required P&I reserves are $2,529.87 x 12= $30,358.44

433652318

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 730 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60.00% is > 10 points below the program max LTV of 75%.

433733630

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 42.35 months PITIA exceeds guideline minimum of 3 months

433663379

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 32.33 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 140 points above guideline minimum.

433733631

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 820 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.58% is below guideline maximum DTI. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $86,167.87 or 38.09 months of PITIARequired PITIA Reserves are $2,262.21 x 12 = $27,146.52

433733632

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 757 and the minimum credit score is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $72,107.79 as post close funds. Required PITIA reserves are  $32,182.11"

433663381

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX.Right to cancel reflects date to cancel of XXX.Loan closed/disbursed prior to end of statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD Within 60 days of discovery.

08/07/2021  Client provided PCCD XXX.

08/07/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 746. Minimum required 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 47.89. Maximum required 49%

433663381

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

Property Valuations

Appraisal

Active

C

B

C

B

PRVAAPPR119

Appraisal documentation does not support occupancy

No

Subject transaction is a refinance cash out of primary residence.  Appraisal and Photo's reflect subject property is vacant.

10.7.21 - Lender provided utility bill for XXX. No LOE confirming occupancy at time of appraisal.

10.7.21 - Exception remains

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 746. Minimum required 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 47.89. Maximum required 49%

433663381

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 746. Minimum required 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 47.89. Maximum required 49%

433733633

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL988

Loan File is Missing or Contains Insufficient Documentation for Basic Review

No

Missing signed credit line/Equity line of credit  from borrowers stating to close and freeze credit line with XXXDocument in file is not executed.

8.11.21 - lender provided executed documentation

8.11.21 - exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 31 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 2 years and 7 months

433733633

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 31 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 2 years and 7 months

433652322

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 757 exceed guideline requirement of 700 with 57 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $39,011.80 or 12.66 months of P&I reserves.Required P&I reserves are $3,079.81 x 12  =$36,957.72

433663392

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.18.21 Updated value received, appraised value supported.

06.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  10 years in line of profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 35.21%. Current allowable 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified post close assets are $17,960.00Required P&I reserves are 6 months P&I at $1262.27 X 6 =$7,573.62 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433807790

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  15 year ownership at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has 0x30 day late past 24 months. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Borrower has consolidated consumer debt along with 1st and 2nd mortgages on primary residence.

433733635

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years 7 months at current residence rent supported. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history only small medical in collection. All other paid as agreed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

433733636

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 61.87% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.74% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 709 exceed guideline requirement of 700 with 09 points.

433733637

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 exceeds guideline minimum score 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 45.52% is below guideline maximum DTI 49%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 15 years.

433807792

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 7.05 months of P&I reserves; Guidelines require 6 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65%; Guidelines require 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 34.27%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 19 years and 9 months of job profession

433733640

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2years and 5 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 10 years.

433733641

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Hazard Effective date is greater than the disbursement date. Disbursement date per CD XXX, Insurance effective date XXX.

8.11.21 - lender provided PCCD showing disbursement date as XXX

8.11.21 - exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum.

433733641

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum.

433733642

XXXXXX

LA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence  for the past 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $59,664.94 or 54.66 months P&I  in reserves.Required reserves are 12 months P&I at $1091.55x12= $13,098.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 711

433888112

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.

08/17/2021  Client provided PCCD XXX.

08/17/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 18.35 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 681; Guidelines require 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 18 years at current job CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x57 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.68%; Guidelines require 43%

433888112

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 18.35 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 681; Guidelines require 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 18 years at current job CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x57 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.68%; Guidelines require 43%

433652327

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 779. Minimum allowable is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $27,427.22 or 9.99 months of PITIA reservesRequired PITIA reserves are $2,744.15x3=$8,232.45

433733645

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $132,497.66 or 54.67 months of PITIRequired P&I reserves are $2423.25 x 12 = $29,079.00" CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 790 and the minimum credit score is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 11 years.

433733645

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $132,497.66 or 54.67 months of PITIRequired P&I reserves are $2423.25 x 12 = $29,079.00" CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 790 and the minimum credit score is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 11 years.

433888113

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 19.03 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.90%; Guidelines require 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 785; Guidelines require 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years at current job profession

433733647

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 739. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 16.68%. Maximum allowable is 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years.

433733648

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 771 and the minimum credit score is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance

433807793

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related

10.7.21 - Lender provided seller CD.

10.7.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Post Close Assets are $28,100.70 or 24.17 months of P&I Required P&I Reserves are $1,162.62 x 12 = $13,951.44 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  780 exceeds guideline minimum score 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.76% is below guideline maximum DTI 49%.

433807793

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

10.7.21 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Post Close Assets are $28,100.70 or 24.17 months of P&I Required P&I Reserves are $1,162.62 x 12 = $13,951.44 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  780 exceeds guideline minimum score 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.76% is below guideline maximum DTI 49%.

433652329

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum.

433652329

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Missing signatures on $XXX Gift Letter.

7.30.2021 Received executed Gift Letter in the amount of $125,000

7.30.2021 Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum.

433652329

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Disbursement date : XXX, Insurance effective date: XXX

7.8.21 - Lender provided PCCD showing disbursement date as XXX

7.8.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum.

433652329

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.18.21 Updated value received, appraised value supported.

06.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum.

433733650

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 56%. Maximum allowable is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $163,840.39 or 54.69 months of PITIA reservesRequired PITIA reserves are $2,997.48x3=$8,992.44 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 717. Minimum required is 700

433807794

XXXXXX

VA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

insurance effective date XXX. Transaction date XXX

9.23.21 - Lender responded HOI policy period is XXX

9.23.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  12 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 31.20%. Maximum allowed is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 792. Minimum allowable 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post close assets are $150,743.85   or 94.37 months PITIRequired PITIA reserves are $1,597.40 X 3=$4,792.20 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80%

433807794

XXXXXX

VA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  12 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 31.20%. Maximum allowed is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 792. Minimum allowable 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post close assets are $150,743.85   or 94.37 months PITIRequired PITIA reserves are $1,597.40 X 3=$4,792.20 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80%

433733651

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower has more than 8 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 811. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 10 years.

433733652

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  748 credit score exceeds guidelines at 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years XXX CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 late of credit history. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433652331

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 807 and the minimum credit score is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x23 months, guidelines require 1x30x12 months

433663408

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 39.14%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $40,822.93 or 19.07 months of P&I reservesRequired P&I reserves are $2,140.75x6=$12,844.50

433663408

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.24.21 Updated value received, appraised value supported.

06.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 39.14%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $40,822.93 or 19.07 months of P&I reservesRequired P&I reserves are $2,140.75x6=$12,844.50

433652333

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 800. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.65%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $80,829.69 or 23.85 months of P&I reservesRequired P&I reserves are $3,388.48x12=$40,661.76

433652333

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

CD XXX The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender does not offer one are selected.

07/11/2021  Client provided PCCD XXX. Clayton has reviewed, and the PCCD does not sure the exception.08/03/2021  Client provided PCCD XXX.

08/03/2021 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 800. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.65%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $80,829.69 or 23.85 months of P&I reservesRequired P&I reserves are $3,388.48x12=$40,661.76

433652333

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.18.21 Updated value received, appraised value supported.

06.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 800. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.65%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $80,829.69 or 23.85 months of P&I reservesRequired P&I reserves are $3,388.48x12=$40,661.76

433807796

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 743. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.47%. Maximum allowable is 49%

433733656

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.

08/11/2021  Client provided PCCD XXX.

08/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.45% below maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60% below maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 726 exceed guideline requirement of 700 with 26 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 18 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $27,917.76 or 19.20 months of P&I reserves.Required P&I reserves are $1,453.95  x 6  = $17,447.40

433733656

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.45% below maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60% below maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 726 exceed guideline requirement of 700 with 26 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 18 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $27,917.76 or 19.20 months of P&I reserves.Required P&I reserves are $1,453.95  x 6  = $17,447.40

433733657

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 717 exceed guideline requirement of 700 with 17points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $50,380.87 or 18.70 months of P&I reserves.Required P&I reserves are $2,694.04   x 12  = $32,328.48

433807797

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.12.21 Updated value received, appraised value supported.

07.12.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.38% below maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 788 exceed guideline requirement of 700 with 88 points.

433621383

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 14.49 months PITIA exceeds guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 20 points above guideline minimum

433733658

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 759. Minimum required is 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 56.25%. Maximum allowable is 70%

433733659

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 749. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 30.37%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $52,852.02 or 18.22 months of P&I reservesRequired P&I reserves are $2,900.06x12=$34,800.72

433733660

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  19 years owner at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 late on mortgage history. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Good credit management low debt no derogatory.

433807798

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 Credit score exceeds guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history with 0x30 late. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years at primary residence.

433733661

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD not in file.

09/11/2021  Client provided Seller CD.

09/11/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $94,777.61 or 19.13 months P&I reserves.Required reserves is 12 months P&I 44953.39x12= $59,440.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 10  months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years and 5 months.

433733661

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $94,777.61 or 19.13 months P&I reserves.Required reserves is 12 months P&I 44953.39x12= $59,440.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 10  months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years and 5 months.

433733661

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported. or

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $94,777.61 or 19.13 months P&I reserves.Required reserves is 12 months P&I 44953.39x12= $59,440.68 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 10  months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years and 5 months.

433733662

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  15 years owns current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments:  60% LTV below Lender guidelines of 70%. Guideline reduction of 10% used gift funds for reserves.

433807801

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 6 years and 6 months

433807801

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Assets:$221,879.10 in total assets verified, with $189,793.48 in funds required at closing leaving $32,085.62 or 11.56 months P&I in reserves.Required reserves are 12 months P&I $2774.10x12= $33,287.20.  File is short $1,203.58

9/20/21 - Lender provided a PCCD reflecting cash back of $1,384.37, allowing sufficient reserves.

9/20/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 6 years and 6 months

433807801

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 6 years and 6 months

433733665

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.03% below guideline requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.63% below guideline requirements 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  3 years time at current job

433663414

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 728 and the minimum credit score is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 12 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x13 months, guidelines require 1x30x12 months

433807802

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 136.24 months of P&I reserves; Guidelines require 6 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 39.65%; Guidelines require 80% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 4 years and 2 months at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years of job profession

433733667

XXXXXX

CA

(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

PRVAAPPR2502

Appraiser is currently on an exclusionary list

No

Appraisal listed on the Data verify drive report watch list.

9.15.21 - Lender responded alert is just a precautionary message indicating the same name is found on some other Appraiser Companys internal watch list.

9.15.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $112,777.82 or 39.36 months of PITIRequired PITIA reserves are $2865.36 x 9 = $25,788.24 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 30 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65.00% is > 5 points below the program max LTV of 70%.

433663415

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 798. Minimum required is 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 66.15%. Maximum allowable is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $29,005.17 or 9.92 months of PITIA reservesRequired PITIA reserves are $2,923.49x3=$8,770.47

433733668

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 17.89 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 744; Guidelines require 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 15.57%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 21 years of job profession

433663417

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 758 and the minimum credit score is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance

433733669

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 732. Minimum allowable 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44.89% . Maximum allowable 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%. Maximum allowed 85%

433807805

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.14.21 Updated value received, appraised value supported.

07.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history with 0x30 late CFCFS1734: Borrower has significant time at current job - Clayton Comments:  7 years on current job. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below guidelines.

433733670

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 745 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $54,181.10 or 19.25 months of PITIRequired PITIA reserves are $2814.99 x 3 = $8444.97"

433733671

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.

08/16/2021  Client provided PCCD XXX.

08/16/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.99 months P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 13.45%; Guidelines require 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 763; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 18 years of job profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 72.94%; Guidelines require 85%

433733671

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.99 months P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 13.45%; Guidelines require 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 763; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 18 years of job profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 72.94%; Guidelines require 85%

433807806

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 2 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$394,052.58 in total assets, with $278,259.55 in funds required for closing, leaving $115,793.03 in reserves.Required reserves are 12 months P&I $6259.77x12= $75,117.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433807806

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 2 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$394,052.58 in total assets, with $278,259.55 in funds required for closing, leaving $115,793.03 in reserves.Required reserves are 12 months P&I $6259.77x12= $75,117.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433807806

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 2 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$394,052.58 in total assets, with $278,259.55 in funds required for closing, leaving $115,793.03 in reserves.Required reserves are 12 months P&I $6259.77x12= $75,117.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433733672

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 15.72 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433733673

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Missing RCE to support the lower HOI Policy amount of $XXX

8.24.21 - Lender responded there are 2 HOI policies for $XXX each in coverage for a total of $XXX in coverage.8.10.21 - Lender provided RCE showing estimated replacement cost $XXX

8.24.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.64 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years of job profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 791; Guidelines require 720

433733674

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 802. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $527,009.66 or 117.11 months of PITI reservesRequired PITIA reserves are $4,500.14x9=$40,501.26 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 21 years at current residence

433663418

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Insurance effective date is XXX, need copy of insurance policy

7.29.21 dj Client provided PCD with disbursement date of XXX; insurance effective date cleared.

7.29.21 dj exception satisfied

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 780 and the minimum credit score is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 8 years

433807807

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below Lender guidelines 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Existing mortgage payment history exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  Renting 5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close Assets are $3,476.65 or 13.68 months of PITIA reserves.Required PITIA Reserves are $3,476.65 x 3 = $10,429.95

433807808

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment as 0x30x66 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 23.27 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 80% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for 2 years and 5 months

433807809

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 3 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $143,528.08 in total assets verified, with $112,556.54 in funds required at closing, leaving $30,971.54 in reserves.Required reserves are $501.95x12= $6023.40

433807810

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.14% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 772 exceed guideline requirement of 700 with 72 points.

433663419

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned primary residence for 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 737; Guidelines require 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment is 0x30x63 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 10.39 months of PITIA reserves; Guidelines require 9 months PITIA reserves

433733675

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post assets  are $141,080.77 or 44.43 months P&I Required P&I reserves are $3,175.25 X 12=$38,103.00. CFCFS2854: Significant time in profession - Clayton Comments:  6 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 29.06%. Maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 727. Minimum allowable 720

433733676

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 798 exceed guideline requirement of 700 with 98 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.49% below maximum of 49%

433733678

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 734 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.39% is below guideline maximum DTI.

433733679

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 800 and the minimum credit score is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x44 months, guidelines require 1x30x12 months

433733680

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 726 exceed guideline requirement of 700 with 26 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $65,479.81 or 13.17 months of P&I reserves.Required P&I reserves are $4,969.83  x 12  = $59,637.96

433733680

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

CD XXX - Loan Disclosures- Escrow Account- Will not have escrow account " You declined" or "Your lender does not offer one" option not selected.

7/30/21 - Lender provided a Post Close CD reflecting they declined an escrow account.

7/30/21 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 726 exceed guideline requirement of 700 with 26 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $65,479.81 or 13.17 months of P&I reserves.Required P&I reserves are $4,969.83  x 12  = $59,637.96

433733680

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.28.21 Updated value received, appraised value supported.

06.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 726 exceed guideline requirement of 700 with 26 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $65,479.81 or 13.17 months of P&I reserves.Required P&I reserves are $4,969.83  x 12  = $59,637.96

433807811

XXXXXX

UT

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 67.33. Maximum allowable 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.99%. Maximum  allowable 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 808. Minimum allowable 700

433733681

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below Lender guidelines at 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  809 credit score exceeds Lender guidelines at 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $40,174.74 or 24.68 months PITIRequired reserves are 3 months PITI $1628.13x3= $4,884.39 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82

433733682

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.23% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  2years 7months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 765 exceeds guidelines 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $30,718.98  or 20.13 months of PITIRequiredPITI reserves are $2,100.68 x 12 months = $18,306.00

433733682

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.23% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  2years 7months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 765 exceeds guidelines 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $30,718.98  or 20.13 months of PITIRequiredPITI reserves are $2,100.68 x 12 months = $18,306.00

433733683

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 19.64 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 790; Guidelines require 700 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower Credit history shows 0x30x90

433733684

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  758 score exceeds guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years as XXX at current position. CFCFS2860: Good credit history - Clayton Comments:  minimal credit usage  and 0x30 late on consumer debt.

433807812

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Disbursement date of XXX on CD XXX is before end of statutory rescission period XXX on the ROR.

9/17/21 - Lender provided a PCCD reflecting a disbursement date beyond the rescission date.

9/17/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  718 credit score exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.66 DTI below guidelines. CFCFS2860: Good credit history - Clayton Comments:  Good credit history.

433807812

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.14.21 Updated value received, appraised value supported.

07.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  718 credit score exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.66 DTI below guidelines. CFCFS2860: Good credit history - Clayton Comments:  Good credit history.

433663422

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.46% is below guideline maximum DTI.

433663422

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD.

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.46% is below guideline maximum DTI.

433733685

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65.12%; Guidelines require 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 746; Guidelines require 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 4.07 months of PITIA reserves; Guidelines require 3 months PITIA reserves

433733686

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Consumer Protection

Active

B

B

B

B

CMPSTCP2129

MD Counseling Notice not in file

No

Missing XXX Counseling Notice.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 8 years.

433733686

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 8 years.

433733686

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 11 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 8 years.

433733687

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 797 and the minimum credit score is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. No FC, BK, or judgments. All positive balance

433663423

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 749 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.28% is below guideline maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $20,303.41 or 14.51 months of PITIARequired P&I Reserves are $1,398.45 x 3 = $4196.26

433733688

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 70.98 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433733690

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 797 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 64.29% is > 10 points below the program max LTV of 80%.

433733691

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.25.21 Updated value received, appraised value supported.

06.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.20% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 722 exceed guideline requirement of 700 with 22 points.

433733692

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  763 credit score exceeds guidelines. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Refinance of loan with 9% interest rate. CFCFS2854: Significant time in profession - Clayton Comments:  20 years in current profession

433733693

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.01 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

433807813

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.19.21 Updated value received, appraised value supported.

07.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 Score exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  20 years home owner at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments:  69.91% LTV below Lender guidelines.

433733694

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.96% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 777 exceed guideline requirement of 700 with 77 points.

433733694

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.96% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 777 exceed guideline requirement of 700 with 77 points.

433733695

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 777 exceeds Lender guidelines. CFCFS2860: Good credit history - Clayton Comments:  good credit history 0x30 late. CFCFS1736: Significant time at current residence - Clayton Comments:  9 years at current residence

433733696

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 50.97 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score >100 points above guideline minimum.

433733698

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 802. Minimum allowed 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44.41%. Maximum allowable 49%

433663424

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.31`% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 788 exceeds guideline minimum score

433733699

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI at 25.55  and guidelines are 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 Credit score is 698 and minimum is showing 660 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets $155,607.40 or 161.95 months P&IRequired reserves are 12 months P&I at $960.79x12= $9,129.48

433733700

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 42.35% below guideline requirement 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 738 exceeds guidelines 720

433733702

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 20 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 810 and the minimum credit score is 720.

433807815

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective Date: XXXFinal CD Disbursement Date: XXX

9.20.21 - Lender provided PCCD showing disbursement date as XXX

9.20.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.61 months P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44.42%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years of job profession

433807815

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.61 months P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44.42%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years of job profession

433733703

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 17 years on job. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years in home. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Lender DTI of 30.60% is 18.40 points below program maximum of 49%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 17 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x39 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash out net proceeds of $110,999.03 or (110,999.03/2097) 52.93 months P&I reserves received at closing; Required reserves of $12,582 or 6 months P&I required.

433733704

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 793. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $73,328.24 or 19.56 months of PITIA reservesRequired PITIA reserves are $3,749.40x9=$33,744.60

433733705

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 724 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 64.44% is > 5 points below the program max LTV of 70%.

433733706

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 58.12%. Maximum allowable 80% CFCFS2860: Good credit history - Clayton Comments:  Minimum use of credit CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  11 months of PITIA reserves.

433807818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $130,876.78 in total assets verified, with $92,917.83 in funds required at closing, leaving $37,958.95 or 20.50 months P&I in reserves.Required reserves are $1850.90x12= $22,210.80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433807818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $130,876.78 in total assets verified, with $92,917.83 in funds required at closing, leaving $37,958.95 or 20.50 months P&I in reserves.Required reserves are $1850.90x12= $22,210.80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433807818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $130,876.78 in total assets verified, with $92,917.83 in funds required at closing, leaving $37,958.95 or 20.50 months P&I in reserves.Required reserves are $1850.90x12= $22,210.80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433733707

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  748 score exceeds Lender guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history 1 minor late over 12 month period review. CFCFS2854: Significant time in profession - Clayton Comments:  5 years in current profession.

433733707

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

Final page of Final CD does not have a box marked for You declined it and/or Your lender does not offer one .

08/17/2021  Client provided PCCD XXX.

08/17/2021 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  748 score exceeds Lender guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history 1 minor late over 12 month period review. CFCFS2854: Significant time in profession - Clayton Comments:  5 years in current profession.

433733707

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  748 score exceeds Lender guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history 1 minor late over 12 month period review. CFCFS2854: Significant time in profession - Clayton Comments:  5 years in current profession.

433733708

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 2 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 3 years.

433733708

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 2 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 3 years.

433733709

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 790. Minimum required is 700 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 11 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $861,083.79 or 194.87 months of P&I reservesRequired P&I reserves are $4,418.68x12=$53,024.16 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 25.24%. Maximum allowable is 49%

433807820

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  733 credit score exceeds guidelines CFCFS2860: Good credit history - Clayton Comments:  Borrower shows good credit history 0x30 late.

433807821

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 64.13 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 748; Guidelines require 700 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower2 DTI 36.11%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 80%

433807822

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 767 exceed guideline requirement of 700 with 67 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.19% below maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85%

433807822

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 767 exceed guideline requirement of 700 with 67 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.19% below maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85%

433733710

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Post Close Assets are $37,281.79 or 11.80 months of P&IRequired P&I Reserves are $3,160.48  x 12  months = $37,925.76. Short $643.97.

8.11.21 - Lender provided PCCD showing final funds

8.11.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  742 credit score exceeds Lenders guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years XXX and 20 years in profession. CFCFS2860: Good credit history - Clayton Comments:  Good credit management 0x30 late.

433733710

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  742 credit score exceeds Lenders guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years XXX and 20 years in profession. CFCFS2860: Good credit history - Clayton Comments:  Good credit management 0x30 late.

433733713

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $284,641.36 or 139.69 months of PITIA reserves.Required PITIA Reserves are $2037.72 x 9 = $18,339.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 771 and the minimum credit score is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years

433807823

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $188,653.61 or 54.17 months of P&I reserves.Required P&I reserves are $3,482.00  x  12  = $41,784.00 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 713 exceed guideline requirement of 700 with 13 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.65% below maximum of 49%

433807823

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $188,653.61 or 54.17 months of P&I reserves.Required P&I reserves are $3,482.00  x  12  = $41,784.00 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 713 exceed guideline requirement of 700 with 13 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.65% below maximum of 49%

433733714

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 46.48% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 813 exceeds guideline minimum score

433733715

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

B

A

A

A

B

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received does not support the appraise value. Field review recommended.

06.29.21 Exception Remains.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.37% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 788 exceed guideline requirement of 700 with 88 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $75,282.33 or 29.28 months of P&I reserves.Required P&I reserves are $2,570.70  x 12  = $30,848.40

433733715

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

B

A

A

A

B

A

A

Property Valuations

Value

Satisfied

N/A

A

N/A

B

PRVAVALU5249

Property Value Not Supported

No

Desk review received does not support the appraised value. Field review recommended.

9/16/21 - Lender provided a Field review with zero percent variance from the original appraised value.

9/16/21 - Exception Satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.37% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 788 exceed guideline requirement of 700 with 88 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $75,282.33 or 29.28 months of P&I reserves.Required P&I reserves are $2,570.70  x 12  = $30,848.40

433733717

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.07.21 Updated value received, appraised value supported.

07.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 39.82% below guideline requirement CFCFS1734: Borrower has significant time at current job - Clayton Comments:  2years 7months time at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 810 exceeds guidelines 740

433807824

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Final CD Disbursement Date:XXXHOI Effective Date:XXX

9.20.21 - Lender provided PCCD showing disbursement date as XXX

9.20.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.92% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 758 exceed guideline requirement of 700 with 58 points.

433807824

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.92% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 758 exceed guideline requirement of 700 with 58 points.

433733718

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years current residence CFCFS2854: Significant time in profession - Clayton Comments:  7 years in line of work CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 791. Minimum allowable 720

433807825

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 20 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 2 years and 8 months.

433733719

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.11% is below guideline maximum DTI.

433733719

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Insurance effective date of XXX is after the subject funding date XXX.

8.19.21 - Lender provided PCCD showing disbursement date as XXX

8.19.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.11% is below guideline maximum DTI.

433733719

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing executed letter acknowledging purchase price is higher than the Appraised As Is Value.

8.27.21 - lender provided LOX acknowledging higher sales price

8.27.21 - exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.11% is below guideline maximum DTI.

433807826

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.36% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 759 exceed guideline requirement of 700 with 59 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85%

433733720

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO score > 120 points above guideline minimum

433733720

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Disbursement date XXXInsurance effective date XXX

8.11.21 - Lender provided PCCD showing disbursement date as XXX

8.11.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO score > 120 points above guideline minimum

433733720

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO score > 120 points above guideline minimum

433733722

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living for 8 years  at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 30.66% 19% below  program maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $231,079.32 or 36.30 months P&IRequired reserves are $6365.23x12= $76,382.76 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433807827

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 26.27 months of P&I reserves; Guidelines require 6 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65%; Guidelines require 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 726; Guidelines require 720

433807828

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score > 100 points above guideline minimum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 15.82 months P&I exceeds guideline minimum of 12 months.

433733725

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 8 years in the profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.04% is 10.96 points below Guideline required maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60.31 is below the maximum per guideline 75%

433807830

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 810. Minimum allowed 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV75%. Maximum allowed 80% CFCFS2860: Good credit history - Clayton Comments:  Minimum use of credit

433733726

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 783 and the minimum credit score is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 30 years

433807832

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 767 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 45.06% is below guideline maximum DTI.

433807833

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 26.89%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $58,709.79 or 19.04 months of P&I reservesRequired P&I reserves are $3,082.94x12=$36,995.28

433807833

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 26.89%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $58,709.79 or 19.04 months of P&I reservesRequired P&I reserves are $3,082.94x12=$36,995.28

433807833

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 26.89%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $58,709.79 or 19.04 months of P&I reservesRequired P&I reserves are $3,082.94x12=$36,995.28

433733727

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $141,793.56 or 35.40 months of P&I reserves.Required P&I Reserves are $4,006.03  x 12 = $48,072.36 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence of 18 years.

433733727

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $141,793.56 or 35.40 months of P&I reserves.Required P&I Reserves are $4,006.03  x 12 = $48,072.36 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence of 18 years.

433733728

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433733728

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433733728

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Insurance policy effective dates are  from XXX to XXX. Note date is XXX.

9.20.21 - Lender provided PCCD showing disbursement date as XXX

9.20.21 - exception satisfied

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433733728

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433807834

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 56.47 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x54 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 60%; Guidelines require 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 747; Guidelines require 700

433733729

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 14.60 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum.

433807835

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 6 years and 2 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$248,276.52 in total assets verified, including $210,000 in gift funds, with $138,430.20 in funds required at closing, leaving $109,846.32 in reserves.Required reserves are 12 mo P&I $3148.79x12= $37,785.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433807835

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 6 years and 2 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$248,276.52 in total assets verified, including $210,000 in gift funds, with $138,430.20 in funds required at closing, leaving $109,846.32 in reserves.Required reserves are 12 mo P&I $3148.79x12= $37,785.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433807835

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 6 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 6 years and 2 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$248,276.52 in total assets verified, including $210,000 in gift funds, with $138,430.20 in funds required at closing, leaving $109,846.32 in reserves.Required reserves are 12 mo P&I $3148.79x12= $37,785.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433733730

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $49,846.35 or 13.02 months of P&I reserves.Required P&I reserves are $3,828.24  x 12  = $45,938.88

433733730

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Final CD Disbursement Date:XXXHOI Effective Date:XXX

9/17/21 - Lender provided a PCCD reflecting disbursement dated after the HOI effective date.

9/17/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $49,846.35 or 13.02 months of P&I reserves.Required P&I reserves are $3,828.24  x 12  = $45,938.88

433733730

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $49,846.35 or 13.02 months of P&I reserves.Required P&I reserves are $3,828.24  x 12  = $45,938.88

433733733

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Initial CD missing from file. Per DocMagic eSign cert on pg 463, Initial CD dated XXX was issued.

9/17/21 - Lender provided the missing XXX CD.

9/17/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x31 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,664.05 or 25.44 months P&I in reserves.Required reserves are 12 months P&I $3759.60x12= $45,115.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433733733

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

9/17/21 - Missing initial CD provided

9/17/21 - Exception satisfied.

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x31 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,664.05 or 25.44 months P&I in reserves.Required reserves are 12 months P&I $3759.60x12= $45,115.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433733733

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Missing Initial CD. Final CD XXX is the only CD in file.

9/17/21 - Missing initial CD provided

9/17/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x31 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,664.05 or 25.44 months P&I in reserves.Required reserves are 12 months P&I $3759.60x12= $45,115.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433733733

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing Initial CD. Final CD XXX is the only CD in file.

9/17/21 - Missing initial CD provided

9/17/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x31 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,664.05 or 25.44 months P&I in reserves.Required reserves are 12 months P&I $3759.60x12= $45,115.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433733733

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x31 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$95,664.05 or 25.44 months P&I in reserves.Required reserves are 12 months P&I $3759.60x12= $45,115.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 3 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433733734

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1736: Significant time at current residence - Clayton Comments:  3years time at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  24.97% below guideline requirement 49% CFCFS2854: Significant time in profession - Clayton Comments:  5years time in profession

433807837

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 819. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 42.05%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $80,524.98 or 34.58 months of P&I reservesRequired P&I reserves are $2,328.52x12=$27,942.24

433807837

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 819. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 42.05%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $80,524.98 or 34.58 months of P&I reservesRequired P&I reserves are $2,328.52x12=$27,942.24

433733735

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 9 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$164,716.42 or 61.75 months P&I in total assets verified, Required reserves are 12 months P&I at $2667.21x12= $32,00.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433733735

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Desk review received from vendor supports the appraisal value but is flagged for requiring an additional valuation.  A corrected desk reivew has been requested.

07.15.21 Updated value received, appraised value supported and additional review alerthas been resolved.

07.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 9 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:$164,716.42 or 61.75 months P&I in total assets verified, Required reserves are 12 months P&I at $2667.21x12= $32,00.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433733736

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 5 years in the current Job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 746 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 45.11% is below guideline maximum DTI.

433733737

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $57,289.57  or 43.55 months of P&I Reserves.Required P&I Reserves are $1,315.49 x 12 = $15,785.55 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 85%

433807838

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file.

09/20/2021  Client provided Seller CD.

09/20/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score exceeds Lender guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  4 years own at current residence.

433807838

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score exceeds Lender guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  4 years own at current residence.

433807838

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score exceeds Lender guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  4 years own at current residence.

433663431

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.28.21 Updated value received, appraised value supported.

06.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 755 exceed guideline requirement of 700 with 55 points.

433733738

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 64.99% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.75% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 765 exceed guideline requirement of 700 with 65 points.

433733739

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x84 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET Comment:Post Close Assets are 275,275.65 or  131.26 months of P&IRequired P&I are $121097.12 x 12 months = $ 25,165.44 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10years time at current job CFCFS1736: Significant time at current residence - Clayton Comments:  10years time at current residence

433733741

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years in the current Job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds guideline minimum score

433807839

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60.00% is > 10 points below the program max LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x31 months, guidelines require 1x30x12 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $381,337.27 or 82.33 months of PITIRequired PITIA reserves are $4,631.51 x 3 = $13,894.53" CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

433807841

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 37.81% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.81% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 782 exceed guideline requirement of 700 with 82 points.

433807842

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Desk review received from vendor supports the appraisal value but is flagged for requiring an additional valuation.  A corrected desk reivew has been requested

07.15.21 Updated value received, appraised value supported.

07.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.80% DTI below requirement. CFCFS2860: Good credit history - Clayton Comments:  Minimal credit usage show good credit management. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $89,256.59 or 51.03 months of PIRequired PI Reserves are $1,749.08 x 12 number of  months = $ 20,988.96

433807843

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 802 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $40,381.18 or 14.05 months of PITIRequired PITIA reserves are $2875.04x 3 = $8625.12"

433807844

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 788 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 50.00% is > 10 points below the program max LTV of 70%.

433807845

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.88 below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 780 exceed guideline requirement of 700 with 80 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $47,737.46 or 21.52 months of P&I reserves.Required P&I reserves are $2,217.44  x  12  = $26,609.28

433733743

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: $152,376.90 or 61.42 month P&IRequired reserves are 12 mo P&I are $2480.66x12= $29,767.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time of 33 years in this line of profession. CFCFS2860: Good credit history - Clayton Comments:  0x30 credit history within 12 months

433733744

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Final CD Disbursement Date: XXXHOI Effective Date: XXX

8.11.21 - lender provided PCCD showing disbursement date as XXX

8.11.21 - exception satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.25% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 787 exceed guideline requirement of 700 with 87 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower's post close Assets are $48,936.31 or 21.48 months of P&I reserves. Required P&I reserves are $2,277.78 x 12  = $27,333.36

433733744

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.25% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 787 exceed guideline requirement of 700 with 87 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower's post close Assets are $48,936.31 or 21.48 months of P&I reserves. Required P&I reserves are $2,277.78 x 12  = $27,333.36

433733745

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $52,814.70 or 22.43 months of P&I.Required P&I Reserves are $2,354.09 x 12  months = $28,248.00 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS2860: Good credit history - Clayton Comments:  Good credit management low debt 0x30 late. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  746 credit score exceeds guidelines CFCFS2854: Significant time in profession - Clayton Comments:  11 years in current profession 4 years at current job

433733746

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 30.94% is 18.06 points below the allowable 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified effective assets of $130,778.87 or 70.01 months PITI; required reserves $1868x12= $22,416 or 12 months PI reserves.

433888119

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Good Credit history only 1 minor 30 day account CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Current mortgage history exceeds guidelines. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no mortgage delinquency is last two years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $75,028.22 or 54.59 months of P&IRequired P&I Reserves are $1,374.26 x 12 months = $ 16,491.12 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433733747

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

Exception satisfied

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 808. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.38%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $31,214.73 or 16.89 months of P&I reservesRequired P&I reserves are $1,847.36x6=$11,084.16

433733747

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing

No

Initial CD dated XXX missing from file per eSign Cert on page 341/451.

08/07/2021  Client provided PCCD XXX. Clayton has reviewed, and the missing initial CD issued on XXX is required to satisfy the exception.08/11/2021  Client provided Initial CD XXX.

08/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 808. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.38%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $31,214.73 or 16.89 months of P&I reservesRequired P&I reserves are $1,847.36x6=$11,084.16

433733747

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Initial CD dated XXX missing from file per eSign Cert on page 341/451.

08/07/2021  Client provided PCCD XXX. Clayton has reviewed, and the missing initial CD issued on XXX is required to satisfy the exception.08/11/2021  Client provided Initial CD XXX

08/11/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 808. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.38%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $31,214.73 or 16.89 months of P&I reservesRequired P&I reserves are $1,847.36x6=$11,084.16

433733747

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.29.21 Updated value received, appraised value supported.

06.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 808. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 50%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.38%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $31,214.73 or 16.89 months of P&I reservesRequired P&I reserves are $1,847.36x6=$11,084.16

433807846

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 732 and the minimum credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 58.89% is > 10 points below the program max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $46,160.70 or 10.84 months of PITIRequired PITIA reserves are $4,256.82 x 3 = $12,770.46"

433807847

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 18 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x40 months, guidelines require 1x30x12 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  "Assets: Post Close Assets are $51,182.31 or 17.85 months of PITIRequired PITIA reserves are $2059.49 x 3 = $6,178.47

433888122

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 755 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 56.51% is > 10 points below the program max LTV of 85%.

433807849

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrower's post close Assets are $$34,645.09 or 11.04 months of P&I reserves.Required P&I reserves are $3,138.20  x 12  = $37,658.40

9.21.21 - Lender provided PCCD showing final funds.

9.21.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 744 exceed guideline requirement of 700 with 44 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.07% below maximum of 85%

433807849

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 744 exceed guideline requirement of 700 with 44 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.07% below maximum of 85%

433807850

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 775 exceeds guideline minimum score 720

433807851

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 42.91%. Maximum allowable 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 685. Minimum allowable 660

433807851

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective Date: XXXFinal CD Disbursement Date: XXX

9/21/21 - Lender provided a Post Close CD reflecting a disbursement date after the effective date of the HOI.

9/21/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 42.91%. Maximum allowable 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 685. Minimum allowable 660

433807851

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 42.91%. Maximum allowable 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 685. Minimum allowable 660

433733749

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.42% is 11.58 points below the allowable 49%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 752 is 32 points above the 720 score required for the program.

433888124

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 4 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433888124

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting original appraised value of $XXX.

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 3 years and 4 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433733750

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% below maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $275,356.37 or 129.75 months of P&I reserves.Required P&I reserves are $2,122.11 x 6  = $12,732.66

433807852

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $15,174.79 or 18.16 months of P&I reservesRequired P&I reserves are $835.48 x12=$10,025.76 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 26.33%. Maximum allowable is 49%

433807853

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  10 years in line of work CFCFS1736: Significant time at current residence - Clayton Comments:  7 years in current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 59.17%. Maximum allowable 85%

433807854

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 8 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433807854

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 8 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433733751

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 775. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $52,878.20 or 33.85 months of PITI reservesRequired PITIA reserves are $1,561.92x3=$4,685.76 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433807857

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 44.91 months P&I exceeds guideline minimum of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 150 points above guideline minimum.

433807857

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Insurance effective date XXX, Disbursement date XXX

9.7.21 - Lender provided PCCD showing disbursement date as XXX

9.7.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 44.91 months P&I exceeds guideline minimum of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 150 points above guideline minimum.

433807857

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 44.91 months P&I exceeds guideline minimum of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 150 points above guideline minimum.

433733753

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 805 and the minimum credit score is 700.

433888126

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting original appraised value of $XXX.

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past  3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same  profession for the past 4 years and 5 months.

433733754

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Final CD Disbursement Date:XXXHOI Effective Date:XXX

9.20.21 - Lender provided PCCD showing disbursement date as XXX

9.20.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 784 exceed guideline requirement of 700 with 84 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $70,002.67 or 25.05 months of P&I reserves. Required P&I reserves are $2,794.22 x 12  = $33,531.24

433733754

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 784 exceed guideline requirement of 700 with 84 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $70,002.67 or 25.05 months of P&I reserves. Required P&I reserves are $2,794.22 x 12  = $33,531.24

433807858

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 789 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.17% is below guideline maximum DTI.

433807860

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Reserves of 16.87 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433807861

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%. maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 41.65%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $63,706.43 or 24.21 months of P&I reservesRequired P&I reserves are $2,630.61x12=$31,567.32

433807862

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller's CD is missing; Need to provide Seller's CD

09/23/2021  Client provided Seller CD.

09/23/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 41.49% below guideline requirement 49% CFCFS2854: Significant time in profession - Clayton Comments:  10years time in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 742 exceeds guidelines 720

433807862

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 41.49% below guideline requirement 49% CFCFS2854: Significant time in profession - Clayton Comments:  10years time in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 742 exceeds guidelines 720

433807862

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 41.49% below guideline requirement 49% CFCFS2854: Significant time in profession - Clayton Comments:  10years time in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 742 exceeds guidelines 720

433888128

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Hazard Insurance policy has effective dates from XXX is greater than Disbursement date XXX.

8.19.21 - Lender provided PCCD showing disbursement date XXX

8.19.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 8 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433888128

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Executed Letter from B1 acknowledging purchase price is higher than the appraised value.

9.16.21 - Lender provided LOE acknowledging purchase price is higher than the appraised value.

9.16.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 8 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433888128

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting original value of $XXX.

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 8 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433807867

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 767 exceed guideline requirement of 700 with 67 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $75,879.78 or 25.64 months of P&I reserves.Required P&I reserves are $2,958.96  x  12  = $35,507.52

433807868

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 4.28 months of PITIA reserves; Guidelines require 3 months PITIA reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 740; Guidelines require 700

433807870

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.14.21 Updated value received, appraised value supported.

07.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.02% DTI is 16.98 points below the maximum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  41.57% LTV is 43.43 points below the maximum as required per guideline

433807870

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR101

Appraisal incomplete (missing map, layout, pages, etc)

No

Appraisal in file is cut off at the bottom of each page.

9/22/21 - Lender provided a complete copy of the appraisal.

9/22/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.02% DTI is 16.98 points below the maximum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  41.57% LTV is 43.43 points below the maximum as required per guideline

433807871

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.46% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 749 exceed guideline requirement of 700 with 49 points.

433807871

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.46% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 749 exceed guideline requirement of 700 with 49 points.

433807872

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

VOE in file for borrower shows borrower gets paid BI-Weekly, however the earnings showing on the VOE do not support Bi-Weekly pay.

9.24.21 - Lender responded UW used Income of $8600 monthly to qualify the loan, but if we calculated as bi-weekly, it comes out with $9317.00. So, UW used YTD income to qualify the loan, because its lower than a Bi-weekly earning.

9.24.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 763 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at the same residence  for the past 3 years

433807872

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 763 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 4 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at the same residence  for the past 3 years

433733756

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of X7.16 months PITIA exceeds guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 60 points above guideline minimum

433807874

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective Date: XXXFinal CD Disbursement Date: XXX

8.11.21 - lender provided PCCD showing disbursement date as XXX

8.11.21 - exception satisfied

Not Applicable

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history no derogatory credit reported last 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below Lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage  history 0x30 days late. >12 month review.

433807874

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history no derogatory credit reported last 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below Lender guidelines CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage  history 0x30 days late. >12 month review.

433733757

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI effective date: XXXFinal CD Disbursement date: XXX

8.11.21 - Lender provided PCCD showing disbursement date as XXX

8.11.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $141,667.72 or 22.57 months of P&I reserves Required P&I reserves are $6,275.70x12=$75,308.40

433733757

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.08.21 Updated value received, appraised value supported.

07.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $141,667.72 or 22.57 months of P&I reserves Required P&I reserves are $6,275.70x12=$75,308.40

433807876

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 18.37 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433807876

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Final CD Disbursement Date: XXXHOI Effective Date:  XXX

9.21.21 - Lender provided PCCD showing disbursement date as XXX

9.21.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 18.37 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433807877

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 7.82 months of PITIA reserves; Guidelines require 3 months of PITIA reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 24.59%; Guidelines require 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 702; Guidelines require 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 80%

433807878

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.03% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 808 exceed guideline requirement of 700 with 108 points.

433807878

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.19.21 Updated value received, appraised value supported.

07.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.03% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 808 exceed guideline requirement of 700 with 108 points.

433807879

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.64% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 794 exceeds guideline minimum score

433807880

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.19.21 Updated value received, appraised value supported.

07.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.91% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 745 exceed guideline requirement of 700 with 45 points.

433807881

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 20.06 months of P&I reserves; Guidelines require 6 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 714; Guidelines require 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 63.76%; Guidelines require 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years and 5 months at current job profession

433807882

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 722 exceed guideline requirement of 700 with 22 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.55% below maximum of 49%

433888129

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 18.04 months P&I exceeds guideline minimum of 12 months

433888129

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 18.04 months P&I exceeds guideline minimum of 12 months

433807883

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Need proof initial CD XXX was received by borrower 3 days before consummation date of XXX.

9/17/21 - Lender provided DocMagic tracking as evidence the borrower received (viewed) the XXX CD on XXX, sufficient time to close.

9/17/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 738 exceed guideline requirement of 700 with 38 points CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.18% below maximum of 49%

433807883

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.09.21 Updated value received, appraised value supported.

07.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 738 exceed guideline requirement of 700 with 38 points CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.18% below maximum of 49%

433733758

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.30.21 Updated value received, appraised value supported.

06.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.96% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 766 exceed guideline requirement of 700 with 66 points.

433733759

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 788 exceeds guideline minimum score CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 45.03% is below guideline maximum DTI.

433807884

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Assets: Post Close Assets are $14,573.64 or 5.32 months of P&I Required P&I reserves are $2737.79 x 12 = $32853.48", short $18,279.84 (file does not contain proof EMD has been cleared)

9.23.21 - Lender provided PCCD showing final funds.

9.23.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.00% is > 10 points below the program max LTV of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433807884

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.00% is > 10 points below the program max LTV of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433807885

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 780. Minimum allowable 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.16%. Maximum allowed 49% CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $60,232.99 or 21.245 months of P&I reserves.Required P&I reserves are $2,833.91 X 12 =$34,006.92

433807885

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 780. Minimum allowable 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.16%. Maximum allowed 49% CFCFS2854: Significant time in profession - Clayton Comments:  5 years in line of work CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $60,232.99 or 21.245 months of P&I reserves.Required P&I reserves are $2,833.91 X 12 =$34,006.92

433888131

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Total Reserves Required $33,202.20 ($2,766.85 X 12).  Post closing reserves verified $20,732.93.  Short reserves $12,469.27

8.27.21 - Lender provided updated asset statement 8.17.21 - Lender provided PCCD dated XXX showing final funds. (Doc already in file)

8.27.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 723; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.08%; Guidelines require 49%

433888131

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 723; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.08%; Guidelines require 49%

433888132

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 38.42 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 10 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 760; Guidelines require 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 4 years at current residence

433888132

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 38.42 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 10 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 760; Guidelines require 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 4 years at current residence

433807886

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history no derogatory items. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below 85% guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds Lender guidelines.

433807886

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Borrowweer has insufficient coverage with loan amount of $XXX and an HOI Policy for $XXX with no replacement cost.No RCE in file.

9.16.21 - Lender provided RCE

9.16.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history no derogatory items. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below 85% guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds Lender guidelines.

433807886

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history no derogatory items. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below 85% guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds Lender guidelines.

433888133

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing Desk Review to support the Appraised As Is Value of $XXX

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 7.99 months of P&I reserves; Guidelines require 6 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 704; Guidelines require 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 2 years and 11 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 23.61%; Guidelines require 49%

433807888

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

ROR Expiration Date is disclosed as midnight of XXX.  Earliest Disbursement Date is XXX.  CD dated XXX Disbursement Date is XXX.

09/20/2021  Client provided PCCD XXX.

09/20/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has in the same profession for the past 20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 3 years.

433807888

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.14.21 Updated value received, appraised value supported.

07.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has in the same profession for the past 20 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 3 years.

433807889

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.13.21 Updated value received, appraised value supported.

07.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 771 and the minimum credit score is 720. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 12 years.

433888136

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file.

08/17/2021  Client provided Seller CD.

08/17/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 775. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 44.45%. Maximum allowable is 49%

433888136

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 775. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 44.45%. Maximum allowable is 49%

433888136

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 775. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 44.45%. Maximum allowable is 49%

433807891

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 2 years and 2 months.

433888137

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation supporting original appraised value of $XXX.  cancel  CU in file with score of 1.0

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 18 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same residence for the past 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Post Close Assets are $94,595.38 or 27.72 months of PITI.Required PI Reserves are $3,411.93 x 6 =$20471.58 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of XX%

433888138

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing Desk Review to support the Appraised As Is Value of $XXX

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  over 5 years CFCFS1736: Significant time at current residence - Clayton Comments:  over 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  max 50% current 14.35%

433888139

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 691. Minimum required is 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.64%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $83,499.57 or 33.39 months of P&I reservesRequired P&I reserves are $2,500.51x12=$30,006.12

433888139

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Lender Loan Approval form.

8.17.21 - Lender provided loan approval

8.17.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 691. Minimum required is 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.64%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $83,499.57 or 33.39 months of P&I reservesRequired P&I reserves are $2,500.51x12=$30,006.12

433888139

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 691. Minimum required is 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.64%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $83,499.57 or 33.39 months of P&I reservesRequired P&I reserves are $2,500.51x12=$30,006.12

433888140

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  69.27% LTV below guidelines, max is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  713 Credit score exceeds guidelines require 700 CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history 1 minor 30 day delinquent. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 18 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $137,609.20 or 42.70 months of P&I.Required P&I Reserves are $3,222.92 x 12 months = $38,675.04. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433807893

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Assets: Post close assets are $32,473.04 or 9.29 months P&IRequired P&I reserves are $3,492.77 X 12=$41,913.24; file is short $9,440.20

9.29.21 - Lender responded $10k EMD was returned per the PCCD, final closing costs were $179,018.68.9.21.21 - Lender provided PCCD dated XXX showing final funds. (short $9,440.20)

9.29.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  17 years in line of profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 756. Minimum allowed 720

433807893

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  17 years in line of profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 756. Minimum allowed 720

433807894

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 21.71 months P&I exceeds guideline minimum of 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score >120 points above guideline minimum.

433888141

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history only 1 minor late CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Scores exceed Lender guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  9 years rental at current residence.

433888141

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history only 1 minor late CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Scores exceed Lender guidelines. CFCFS1736: Significant time at current residence - Clayton Comments:  9 years rental at current residence.

433807895

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 2 years and 9 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for the past 2 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433888143

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433888143

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence

433888145

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 770. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence

433888145

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective date: XXXFinal CD Disbursement date: XXX

8.19.21 - Lender provided PCCD showing disbursement date as XXX

8.19.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 770. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence

433888145

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Corrected 1008 showing qualifying ratio.The 1008 in file shows backend ratio to be 65.42%, which is a non-qualifying ratio

8.25.21 - Lender provided corrected 1008

8.25.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 770. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence

433888145

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 770. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence

433888146

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 749; Guidelines require 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 3 months at current job

433888146

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 749; Guidelines require 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 3 months at current job

433807897

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD is missing from file.

09/22/2021  Client provided Seller CD.

09/22/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 764. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 21.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $195,453.33 or 74.68 months of P&I reservesRequired P&I reserves are $2,617.13x12=$31,405.56

433807897

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 764. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 21.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $195,453.33 or 74.68 months of P&I reservesRequired P&I reserves are $2,617.13x12=$31,405.56

433807897

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective date: XXXFinal CD Disbursement date: XXX

9/22/21 - Lender provided a Post Close CD reflecting a disbursement date after the effective date of the HOI.

9/22/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 764. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 21.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $195,453.33 or 74.68 months of P&I reservesRequired P&I reserves are $2,617.13x12=$31,405.56

433807897

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.19.21 Updated value received, appraised value supported.

07.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 764. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 21.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $195,453.33 or 74.68 months of P&I reservesRequired P&I reserves are $2,617.13x12=$31,405.56

433807898

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.19.21 Updated value received, appraised value supported.

07.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 21.61 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score > 60 points above guideline minimum

433888147

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 17.40%; Guidelines require 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 739; Guidelines require 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 35.24 months of P&I reserves; Guidelines require 12 months P&I reserves

433807900

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history 0x30 days late CFCFS1736: Significant time at current residence - Clayton Comments:  4 years owner at current residence.

433888154

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing Desk Review to support the Appraised As Is Value of $XXX

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.41%; Guidelines require 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 72.05 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 763; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years at current  job profession

433888155

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $161,013.78 or 77.03 months of P&I.Required P&I Reserves are $2,090.21 x 12 months = $25,082.52

433888156

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Provide Closing Disclosure Issued XXX per PCCD info page 294.

08/17/2021  Client provided PCCD XXX.

08/17/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 65.47 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 90 points above guideline minimum

433888156

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXX.Right to cancel reflects date to cancel of XXX.Loan closed/disbursed prior to end of statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

08/17/2021  Client provided PCCD XXX.

08/17/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 65.47 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 90 points above guideline minimum

433888156

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 65.47 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 90 points above guideline minimum

433888158

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 credit score is 42 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  76.60% LTV is 8.4 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7 years in the profession

433888159

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected

No

CD XXX: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected.

08/17/2021  Client provided PCCD XXX.

08/17/2021 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below guidelines of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in business 16  years and in profession 20 years. CFCFS2860: Good credit history - Clayton Comments:  0x30 in past 12 months

433888159

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file.

08/17/2021  Client provided Seller CD.

08/17/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV below guidelines of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower in business 16  years and in profession 20 years. CFCFS2860: Good credit history - Clayton Comments:  0x30 in past 12 months

433888160

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.71% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close Assets are $46,718.91 or 25.59  months of P&I reserves. Required P&I reserves are $1,825.19  x   12  = $21,902.28

433888161

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x12 mortgage history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 773 exceeds guideline requirements of 700.

433807901

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.80 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.58%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years of job profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 772; Guidelines require 720

433807901

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

HOI Dwelling Coverage amount $XXX; Loan Amount $XXX

9.21.21 - Lender provided RCE

9.21.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.80 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.58%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years of job profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 772; Guidelines require 720

433807901

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.80 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.58%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years of job profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 772; Guidelines require 720

433888162

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD missing from file.

09/02/2021  Client provided Seller CD.

09/02/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2017

433888162

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2017

433888162

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Total Reserves Required $53,508.48.  Verified $53,251.35.  Short reserves $257.13

8.19.21 - Lender provided PCCD showing final funds.

8.19.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2017

433888162

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2017

433888163

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  % years at current residence no housing expense. CFCFS2854: Significant time in profession - Clayton Comments:  10 years in same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.64 % DTI below Lender guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $100,698.86 or 25.23 months of P&I Required P&I Reserves are $3,989.80 x 12 months = $47,877.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

433888163

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  % years at current residence no housing expense. CFCFS2854: Significant time in profession - Clayton Comments:  10 years in same line of work. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.64 % DTI below Lender guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $100,698.86 or 25.23 months of P&I Required P&I Reserves are $3,989.80 x 12 months = $47,877.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

433888166

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  FOR OVER 2 YEARS CFCFS1737: LTV below guideline requirements - Clayton Comments:  MAX 85% CURRENT 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  MAX 49%0 CURRENT 23.61% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  $44,358.94 or 40.16 months P&IRequired reserves are 12 months P&I at $1104.41x12= $13,252.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433888166

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  FOR OVER 2 YEARS CFCFS1737: LTV below guideline requirements - Clayton Comments:  MAX 85% CURRENT 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  MAX 49%0 CURRENT 23.61% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  $44,358.94 or 40.16 months P&IRequired reserves are 12 months P&I at $1104.41x12= $13,252.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

433888167

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 787 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.00% is 10 points below the program max LTV of 85%.

433888167

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

$27,036.72 Reserves Required.  Verified reserves $25,309.00  short $1,727.72

9.7.21 - Lender provided PCCD showing final funds.

9.7.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 787 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.00% is 10 points below the program max LTV of 85%.

433888167

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 787 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75.00% is 10 points below the program max LTV of 85%.

433888168

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided  at the same residence for the past 3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 5 years.

433888168

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided  at the same residence for the past 3 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 5 years.

433888169

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

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

433888169

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

08.06.21 Updated value received, appraised value supported.

08.06.21 Exception Satisfied.

(No Data)

Not Applicable

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

433888173

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  763 credit score is 43 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6years and 4 months in the profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.92% DTI is 16.08 points below maximum allowed per guideline

433888173

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  763 credit score is 43 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6years and 4 months in the profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.92% DTI is 16.08 points below maximum allowed per guideline

433888177

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.42 months of P&I reserves; Guidelines require 6 months P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 53.33%; Guidelines require 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.48%; Guidelines require 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 758; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job profession

433888179

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  729 credit score is 19 points above minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  45.45% LTV is 3955 points below the maximum allowed per guideline

433888179

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  729 credit score is 19 points above minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  45.45% LTV is 3955 points below the maximum allowed per guideline

433888179

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal Completed Subject to: Installation of Door on Terrace/Guest House. Missing Completion Cert.

8.17.21 - Lender provided 2 photos of a door, no completion cert provided.10/4/21 - Lender provided and updated appraisal reflecting "as is", not subject to completion.

8.17.21 - Exception remains10/4/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  729 credit score is 19 points above minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  45.45% LTV is 3955 points below the maximum allowed per guideline

433888181

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Evidence that borrower acknowledged receipt of CD 3 days prior to consummation date is the CD XXX change made

08/17/2021  Client provided XXX.

08/17/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  72.16% LTV is 12.84 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years in the profession

433888181

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  72.16% LTV is 12.84 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6 years in the profession

433888184

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score >130 points above guideline minimum

433888187

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 789 and the minimum credit score is 720. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 20 at XXX CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433888187

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

All seller paid real estate fees listed on PCCD XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 789 and the minimum credit score is 720. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 20 at XXX CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433888187

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 789 and the minimum credit score is 720. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 20 at XXX CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433888189

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 credit score is 42 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years in the profession.

433888191

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10points below the Maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  755 credit score is 35 points above the minimum allowed per guideline

433888191

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10points below the Maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  755 credit score is 35 points above the minimum allowed per guideline

433888192

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Seller CD is missing from file.

08/20/2021  Client provided Seller CD.

08/20/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 19.58 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 45 points above guideline minimum

433888192

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

N/A

A

N/A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A. ***Triggered during condition clearing***

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 19.58 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 45 points above guideline minimum

433888192

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 19.58 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 45 points above guideline minimum

433888193

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 59.76 months of P&I reserves; Guidelines require 6 months of P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 53.44%; Guidelines require 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 794; Guidelines require 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years at current job profession

433888194

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 24 year and 6 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  41.72% DTI is 7.28 points below the maximum allowed per guideline.

433888195

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.17.21 Updated value received, appraised value supported.

08.17.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  751 credit score is 31 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years and 6 months on the job. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below the maximum allowed per guideline.

433888198

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.18.21 Updated value received, appraised value supported.

08.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  72.81% LTV is 12.19 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  767 credit score is 47 points above the minimum required per guideline. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.72% DTI is 14.28 points below the maximum allowed per guideline.

433888199

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.58 months of P&I reserves; Guidelines require 12 months of P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 749; Guidelines require 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.07%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years and 1 month at current job profession

433888199

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.58 months of P&I reserves; Guidelines require 12 months of P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 749; Guidelines require 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.07%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years and 1 month at current job profession

433888200

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score is 84 points above minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in the profession

433888200

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score is 84 points above minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in the profession

433888201

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.45%  DTI is below requirements CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  782 Credit score exceeds guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8 years 7 months at current job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x84

433888202

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  764 credit score is 44 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 9 years in the profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline. CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.31% DTI is 15.69 points below the maximum allowed per guideline. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x57 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $171,077.17 or 23.65 months of P&I.Required P&I Reserves are $7,231.52 x 12 months = $86,778.24

433888203

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Homeowners insurance policy effective date is greater than transaction date.

8.11.21 - Lender provided PCCD showing disbursement date as XXX

8.11.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $56,376.17 or 19.19 months of P&I reserves. Required P&I Reserves are $2,937.22 x 12 = $35,246.64

433888203

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.06.21 Updated value received, appraised value supported.

08.06.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $56,376.17 or 19.19 months of P&I reserves. Required P&I Reserves are $2,937.22 x 12 = $35,246.64

433888206

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing CPA letter confirming 2 years business tax returns, business name, borrower name, Covid 19 impact.

9.7.21 - Lender provided CPA confirming 2 years business tax returns, business name, borrower name, Covid 19 impact.

9.7.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 43.40%. Maximum allowable is 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.30%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $289,452.11 or 175.74 months of P&I reservesRequired P&I reserves are $1,647.09x6=$9,882.54

433888206

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 43.40%. Maximum allowable is 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 40.30%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $289,452.11 or 175.74 months of P&I reservesRequired P&I reserves are $1,647.09x6=$9,882.54

433888211

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $30,175.17 or 20.04 months of P&I.Required P&I Reserves are $1,505.27 x 12 months = $18,063.24 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 credit score is 91 pints above the minimum required per guideline. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.86% DTI is 21.14 points below the maximum allowed per guideline.

433888211

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $30,175.17 or 20.04 months of P&I.Required P&I Reserves are $1,505.27 x 12 months = $18,063.24 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 11 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 credit score is 91 pints above the minimum required per guideline. CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.86% DTI is 21.14 points below the maximum allowed per guideline.

433888212

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760 credit score is 40 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 36 years in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.29% DTI is 14.71 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $244,112.91 or 35.44 months of P&I.Required P&I Reserves are $6,887.16 x 12 months = $82,645.92

433888212

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760 credit score is 40 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 36 years in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.29% DTI is 14.71 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $244,112.91 or 35.44 months of P&I.Required P&I Reserves are $6,887.16 x 12 months = $82,645.92

433888215

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $71,064.75 or 18.93 months of PITIRequired P&I reserves are $3754.01 x 12 = $45,048.12 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 4 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 769 and the minimum credit score is 720.

433888215

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $71,064.75 or 18.93 months of PITIRequired P&I reserves are $3754.01 x 12 = $45,048.12 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 4 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 769 and the minimum credit score is 720.

433888217

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.23.21 Updated value received, appraised value supported.

08.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years and 4 months in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 credit score is above the minimum required per guideline at 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  74.98 % LTV is below the maximum allowed per guideline of 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.85% DTI is below the maximum allowed per guideline of 49%.

433888218

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.09.21 Updated value received, appraised value supported.

08.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.40%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $95,468.17 or 20.86 months of P&I reservesRequired P&I reserves are $4,577.65x6=$27,465.90 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 43.64%. Maximum allowable is 85%

433888219

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation.

08/31/2021  Client provided DosMagic eSign Cert for initial CD.

08/31/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 759 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x43 months, guidelines require 1x30x12 months

433888219

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 759 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is > 10 points below the program max LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x43 months, guidelines require 1x30x12 months

433888221

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.10.21 Updated value received, appraised value supported.

08.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  over 4 years CFCFS1736: Significant time at current residence - Clayton Comments:  over 4 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x43

433888222

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 741; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 60.83 months of P&I reserves; Guidelines require 12 months of P&I reserves

433888222

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing Desk Review to support the Appraised As Is Value of XXX

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%; Guidelines require 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 741; Guidelines require 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 60.83 months of P&I reserves; Guidelines require 12 months of P&I reserves

433888223

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI coverage effective date was XXX. Disbursement date per Final CD is is XXX.

9/14/21 - Lender provided a PCCD reflecting a disbursement date of XXX.

9/14/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  796 credit score is 76 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in the profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline

433888223

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  796 credit score is 76 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in the profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline

433621386

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Compliance

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP847

TILA - ARM Loan Program Disclosure after 3 days from application

No

ARM Disclosure in file is dated XXX. Initial application is dated XXX.

05/18/2021  Client provided Initial ARM Disclosure dated XXX.

05/18/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Actual DTI 37.10 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  mortgage show 0x30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representatives scores: 770 CFCFS2860: Good credit history - Clayton Comments:  Minimal credit usage

433621386

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

06.16.21 Updated value received, appraised value supported.

06.16.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Actual DTI 37.10 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  mortgage show 0x30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representatives scores: 770 CFCFS2860: Good credit history - Clayton Comments:  Minimal credit usage

433807903

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP157

Application Not Signed by Primary Borrower

No

Application Not Signed by Primary Borrower.

7.12.21 - Lender provided executed application

7.12.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for over 9 years.

433807903

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification

7.8.21 - Lender provided flood cert

7.8.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for over 9 years.

433807903

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for over 9 years.

433807904

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Disbursement date XXX Insurance effective date XXX

6.23.21 - Lender provided HOI showing effective XXX

6.23.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 85.28 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 60 points above guideline minimum

433807904

XXXXXX

TX

(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

CRDLGL2275

Missing pre-payment penalty addendum

No

Pre-Payment Penalty addendum to Note is missing from file.

06/23/2021  Client provided Pre-payment Penalty Addendum.

06/23/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 85.28 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 60 points above guideline minimum

433733760

XXXXXX

TX

(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

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing documentation related to Non-Permanent Resident Alien status.

8.19.21 - Lender provided copy of passport.7.8.21 - Lender provided I-797A. (Still missing copy of passport)

8.19.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 296.40 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 30 points above guideline minimum

433807905

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

B

A

D

A

C

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

06/23/2021  Client provided list of homeowners counseling organizations.

06/23/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 22.71 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433807905

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

B

A

D

A

C

A

D

A

B

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Verbal verification of employment missing

6.23.21 - Lender provided VVOE dated XXX

6.23.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 22.71 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433807905

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

B

A

D

A

C

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 22.71 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433733761

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Disbursement date: XXX, Insurance effective date: XXX

7.1.21 - Lender provided HOI policy effective date XXX

7.1.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 41.64 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433733761

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

07.01.21 Updated value received, appraised value supported.

07.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 41.64 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433807907

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 32.79 months P&I exceeds guideline minimum of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

433888224

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 47.45 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

433807908

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

07.23.21 Updated value received, appraised value supported.

07.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 28.7 months P&I exceeds guideline minimum of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 140 points above guideline minimum

433888226

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008)

8.11.21 - lender provided approval/1008

8.11.21 - exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

433888226

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

08.19.21 Updated value received, appraised value supported.

08.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

Client Name:
Client Project Name:	CSMC 2021-NQM8
Start - End Dates:	2/15/2021 - 9/21/2021
Deal Loan Count:	390
Conditions Report 2.0
Loans in Report:	390
Loans with Conditions:	292

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

433733560

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433733561

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807760

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807761

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733564

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733565

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733566

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733567

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733568

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733569

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733570

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733571

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807763

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733572

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733573

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807764

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433807765

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807767

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

432332279

Yes

XXXXXX

XXXXXX

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

Not Applicable

433663297

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663298

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733575

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733576

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733577

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433663299

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Not Applicable

433621306

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733578

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733579

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888102

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733580

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433663300

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733581

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733582

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807768

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888104

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733583

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807769

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663307

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663308

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807770

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807771

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733585

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807772

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433663309

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663310

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733588

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733589

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733590

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733591

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652284

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663316

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

433663318

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433621321

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433621322

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807774

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433663323

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663325

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807775

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652290

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733595

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663331

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Not Applicable

433621339

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807777

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888106

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733597

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652294

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433663333

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733598

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433663335

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663337

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807778

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663338

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652297

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Not Applicable

433733601

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433652299

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888107

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663340

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433733604

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733605

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733607

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733608

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433621354

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433663342

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733609

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733610

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663343

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807780

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652301

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433652302

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652305

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733614

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733616

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807782

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433621357

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

433733617

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888108

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733618

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Not Applicable

433807784

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733619

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733620

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807785

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433621361

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733621

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652308

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663362

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733622

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807786

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807787

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733623

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663365

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433733624

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433652312

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433652313

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733627

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433652315

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807788

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433652318

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733630

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663379

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733631

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733632

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663381

Yes

XXXXXX

XXXXXX

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

Not Applicable

433733633

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433652322

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663392

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807790

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733635

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733636

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733637

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807792

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733640

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733641

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733642

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888112

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433652327

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733645

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888113

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733647

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733648

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807793

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652329

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433733650

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807794

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733651

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733652

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652331

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663408

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433652333

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807796

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733656

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433733657

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807797

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433621383

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733658

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733659

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733660

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807798

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733661

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433733662

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807801

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733665

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663414

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807802

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733667

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Not Applicable

433663415

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733668

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663417

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733669

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807805

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733670

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733671

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807806

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733672

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733673

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733674

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663418

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807807

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807808

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807809

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807810

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663419

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733675

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733676

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733678

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733679

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733680

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807811

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733681

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733682

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733683

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733684

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807812

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433663422

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

433733685

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733686

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

433733687

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663423

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733688

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733690

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733691

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733692

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733693

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807813

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733694

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733695

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733696

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733698

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433663424

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733699

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733700

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733702

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807815

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733703

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733704

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733705

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733706

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807818

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733707

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433733708

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733709

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807820

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807821

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807822

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733710

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733713

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807823

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733714

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733715

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

B

A

A

A

B

A

A

Not Applicable

433733717

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807824

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733718

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807825

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733719

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

Not Applicable

433807826

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733720

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733722

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

433807827

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807828

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733725

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807830

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733726

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807832

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807833

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733727

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733728

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807834

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733729

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807835

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733730

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733733

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433733734

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807837

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733735

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733736

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733737

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807838

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433663431

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733738

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733739

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733741

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807839

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807841

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807842

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807843

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807844

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807845

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733743

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733744

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733745

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733746

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888119

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733747

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

433807846

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807847

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888122

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807849

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807850

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807851

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733749

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888124

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433733750

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807852

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807853

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807854

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733751

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807857

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733753

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888126

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733754

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807858

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807860

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807861

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807862

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433888128

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807867

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807868

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807870

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433807871

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807872

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733756

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807874

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433733757

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807876

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807877

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807878

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807879

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807880

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807881

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807882

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888129

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807883

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

433733758

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733759

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807884

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807885

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888131

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433888132

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807886

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433888133

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433807888

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433807889

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888136

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433807891

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888137

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888138

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888139

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433888140

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807893

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807894

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888141

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433807895

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888143

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888145

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433888146

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807897

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Not Applicable

433807898

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888147

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807900

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888154

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888155

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888156

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Not Applicable

433888158

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888159

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

No

433888160

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888161

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

433807901

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433888162

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Not Applicable

433888163

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888166

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888167

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433888168

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888169

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888173

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888177

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888179

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888181

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

433888184

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888187

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

433888189

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888191

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888192

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433888193

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888194

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888195

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888198

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888199

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888200

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888201

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888202

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888203

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433888206

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433888211

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888212

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433888215

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888217

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888218

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888219

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

433888221

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888222

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888223

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433621386

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Not Applicable

433807903

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

433807904

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433733760

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433807905

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

B

A

D

A

C

A

D

A

B

A

Not Applicable

433733761

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Not Applicable

433807907

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888224

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433807908

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433888226

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable